Shop 5, Bell Central, Bell Place
MUDGEERABA QLD 4213
Tel: 07 5559 2563
Fax: 07 5559 2564

Your local mortgage and finance professional servicing Mudgeeraba and surrounding central Gold Coast areas

Our experienced, award winning team at Mortgage Choice in Mudgeeraba has been helping our clients for over 7 years. Whether you are a first home buyer, buying your second or subsequent home, looking at your first investment property or a seasoned property investor we have the expertise to guide you through the process.

CHOICE: We have a large panel of Australia's leading lenders, so you have genuine choice from many hundreds of home loan options.

PROFESSIONAL ADVICE: We work for you, our clients, looking after your best interests, assuring you of balanced and professional advice.

CONVENIENT: We do the running around, the research and comparisons for you, saving you the time and hassle involved in finding the right home loan. We lodge the application and do all the follow up through to loan approval and beyond, keeping you up-to-date every step of the way. And we can meet with you at our office or your home or office.

HIGH VALUE: At Mortgage Choice we do not sell our own loan products and our commission is the same regardless of the lender you select*. And best of all, we don't charge you anything for our service.

AWARD WINNING: At the recent Mortgage Choice Business Excellence Awards, John won both the Queensland and National Single Operator of the Year Awards.

Please call or email us if you'd like to meet to discuss your options.

As your local Mortgage Choice mortgage broker, we service the following suburbs: Austinville, Bonogin, Mudgeeraba, Springbrook, Tallai, Worongary, Gilston, Tallebudgera, Reedy Creek, Andrews, Burleigh, Miami, Robina, Merrimac, Mermaid Waters, Mermaid Beach, Broadbeach and Broadbeach Waters.

*This information refers only to loans provided by our panel of up to 24 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.

How to choose a home loan

Here are 5 essential tips that you should consider when choosing a home loan:

1. Interest rates

Interest rate is obviously important, but remember that you are not simply looking for the home loan with the lowest interest rate because there are many other considerations.

For example, the mortgage lender with the ‘best’ interest rate may have high ongoing fees and therefore your home loan may cost you more in the long term than a similar one with a higher interest rate.

Be sure to consider ‘break and switch’ costs as well because if you decide to pay out your home loan or refinance before time will you be charged exorbitant fees to do so.

Also, be wary of an introductory rate. It may be ‘cheap’ at the start but it may also revert to a much higher rate after once the introductory term has finished. You should try to negotiate an interest rate discount with your mortgage lender over the longer term.

2. Features and flexibility

What are the home loan features that you need? Home loans with the ‘best’ interest rate may not have all the features you need or be as flexible as you need it to be. For example, do you want the ability to pay extra so you can prepare yourself for future rate rises and also create a buffer if your financial circumstances change?

You also need to consider the accessibility of your mortgage lender in terms of ATM, internet, face-to-face contact, etc. Decide what you need and ask whether your chosen home loan lender has the features available.

3. Consider the current home loan approval times


Is your home loan approval time critical? If so, the lender with the ‘best’ home loan may not be able to get your loan approved in time. During peak processing periods, lender service times can vary between 2 to 20 working days.

4. Compare home loan products

Visit a reputable mortgage broker with more than 20 lenders on their panel. This way, you can research and compare a broad range of home loans and lenders all within the one visit.

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