Debbie Clark
Mob: 0413 778 403
Jason Clark
Mob: 0413 778 402
Home loan specialists servicing Birkdale, Wellington Point and surrounds.
As your local Mortgage Brokers, Mortgage Choice at Birkdale has been helping people in the Redlands to buy, invest or refinance for over eight years. Jason and Debbie offer local expertise and a wide range of home loan products. So whether you are trying to achieve your dream of buying your first home, new home or investment property or any matter relating to your home financing needs including refinancing, debt consolidation, car loans, personal loans, leasing or insurance, call Jason Clark and Debbie Clark on 32075432
They are fully mobile servicing Birkdale, Wellington Point, Ormiston, Capalaba, Sheldon, Thorneside, Alexandra Hills, Cleveland, Thornlands, Victoria Point, Redland Bay, Hemmant, Wynnum, Manly, Lota, Wakerley, Stradbroke Island, Russell Island and Macleay Island. They are also able to see you in their home/office at Birkdale.
Most importantly, they are your personal mortgage brokers and continually strive to provide the best service available at no cost to you. Call The Clarks today on 32075432
Testimonials
"It is always a pleasure to deal with Jason, Debbie and their office staff. They know their business and always provide the best information and complete the service quickly and efficiently. Many thanks."|||H.M.|||Refinancer|||Tingalpa|||QLD
"Your honesty and initiative in processing our loan has made us become your clients for life."|||M.S.|||Refinancer|||Birkdale|||QLD
"The service which I received in my opinion was perfect...that you were able to walk us through the whole process step by step with a friendly but professional approach."|||A.B.|||Property Investor|||Cleveland|||QLD
"...so very accommodating, extremely helpful, have used Jason and Debbie before and would not go anywhere else..."|||C.S.|||Refinancer|||Manly West|||QLD
"Jason was fantastic. I wouldn't go to anyone else. He is so helpful..."|||B.G.|||Upgrader|||North Lakes|||QLD
"Thank you so much for all of your hard work with my latest property settlement - I really do appreciate it...I'm so thankful."|||N.D.|||Upgrader|||Alexandra Hills|||QLD
Jason & the team, have dealt with our needs in a very timely manner and with a very professional manner, I would have no worries recommending their services to any one, they took the usual pain out of dealing with financial institutions. Well done guys & girls!|||S.E.|||Refinancer|||Thornlands|||QLD
How will today's rate cut help you?
Save more by revving up your loan repayment strategy
Published: 3rd May, 2012
Provided lenders pass on all or most of today's Reserve Bank cash rate cut, astute home loan holders who maximise this opportunity could save thousands of dollars in interest and shave months, or even years off their loan term, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.
Company spokesperson Belinda Williamson said, "We hope today's move by the Reserve Bank to lower the cash rate by half of a percentage point to 3.75% does not become a non-event for variable rate borrowers. A decision by lenders to pull the rate lever will likely have a much needed, positive impact on property buyers' plans and borrowers' ability to repay their home loan quicker."
"It is no secret that some lenders have shown a reluctance to pass on the full rate cut in a bid to safeguard their businesses against future funding costs. However, we are hopeful that in an effort to reignite the property market, entice new customers and in the spirit of competition, lenders will lower their home loan interest rates.
"Even if lenders, regrettably, pass on only part of the cash rate cut, astute borrowers who rev up their loan repayment strategy by keeping repayments at the pre rate cut level could save thousands of dollars in loan interest and shave months, or years off their home loan term."
If a lender passes on the full 0.50% rate cut announced today, for someone with a $300,000 loan at 7.25% over 25 years, it would lower monthly loan repayments by around $96.
"If a borrower continued to repay their loan at the pre cash rate cut level, leaving the monthly savings of $96 in each repayment, it could save them $68,364 in total interest payable and may see them repay the loan two years and eight months earlier," said Ms Williamson.
"If lenders choose not to pass on all, or most of the cash rate cut, borrowers should see it as a signal to shop around for a more competitive deal. Of course, they should not move from one lender and/or loan product to another without carefully weighing up the cost versus benefit of doing so.
"Health checking a home loan with a mortgage broker is a great way to ensure you are getting the deal suited to your needs and financial circumstances."
To see the impact extra repayments can make to your home loan, visit Mortgage Choice's Extra Repayments Calculator:http://www.mortgagechoice.com.au/extra-repayments-calculator.