John Manciameli
Mob: 0417 028 017
Welcome to Mortgage Choice Sylvania Waters
If you've ever thought about buying an investment property, now might be the right time. The combination of a softening property market and high rental demand are making property investments increasingly attractive. We strongly advise before making a decision to become fully informed. We regularly hold exclusive complimentary presentations for property investors. To enquire contact Loreta in our office for more details.
Whether you are purchasing your first home, refinancing your home loan or purchasing investment properties, you don't need to worry or stress about which bank, which loan or which structure best suits.
We search them all for you, so you don't have to.
Our team has 51 years combined experience in the financial and real estate industries.
Our expertise is helping people through this home loan maze by finding the most appropriate loan to suit your individual needs and circumstances. We offer quality advice and you always come first.
We will negotiate for you.
Not only do we work with you, we also liase with your real estate agent, solicitor and outgoing lender for refinance to coordinate and manage the entire process.
And best of all you don't pay for our service. Our consultants get paid the same* commission, no matter which loan you choose from our panel of lenders
*This information refers only to loans provided by our panel of up to 26 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
Our Mortgage Choice office has been servicing the Sutherland Shire for the past 9 years.
We enjoy what we do and we would love to help you along the path to the best solution! We are happy to meet with you at your home, your office or in our office at a time that is convenient to you. To arrange an appointment contact 9522 5034.
Testimonials
As first home buyers, we were unsure of the right investment for us. Our initial meeting with John immediately challenged our way of thinking. We had some high risk ideas and John approach our situation very carefully. He used his knowledge and experience to show us opportunities that were better suited to our needs.
Two weeks after attending one of Mortgage Choice’s seminars, we put down our first deposit on an off-the-plan investment property.
Buying a house is said to be one of the most stressful things to go through, we found it to be very easy with Mortgage Choice.
The loan application was made easy with the help of Hillary, she was very responsive and made sure we understood the process.
During settlement there were some unforeseen complications between the bank & the developer. We both so admired Loreta’s efforts to continue the fight even after we had settled. We found this to be the most significant moment during our relationship. This showed that Mortgage Choice had our best interest at heart, ensuring we were happy every step of the way.
The team at Mortgage Choice compliment each other exceptionally well, hence we will continue our relationship with them for years to come. Thanks guys!|||Susan & Chris Schwager|||First Home Buyer|||Marrickville|||NSW
"The ease of access to your team was outstanding. Really happy"|||Narelle and Peter Ellsmore|||Property Investor|||Engadine |||NSW
"Always exceed expectation! I like to leave it to the professionals. I value John's advice and recommendation"|||Luis Casado|||Refinancer|||Kellyville |||NSW
"Your team was so completely lovely and attentive. Nothing was too much trouble. They were also extremely knowledgeable"|||Mariana Cicade|||Property Investor|||Wollstonecraft |||NSW
"We were so impressed by the valuable advice and information shared. I believe using a broker makes the process much easier"|||Ann Farraway|||Property Investor|||Sylvania |||NSW
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.