John Acton
Mob: 0402 790 441
Natalie Acton
Expert Home Loan Advice for Central Coast Residents and surrounding areas.
With over nine year's experience, we have helped hundreds of clients on the Central Coast with their home loan needs. Our goal is to find a home loan that works for you, not the banks bottom line. When you use Mortgage Choice Lake Haven, it's like having up to 24 banks & lenders competing for your business. We will compare hundreds of different loans for you & find the one that is the best fit.
As your local mortgage broker, we are happy to travel to all parts of the Central Coast from Lake Munmorah to Patonga, and anywhere in between. We are available to meet with you at a time and place convenient to you - both during the day and in the evening - 7 days per week.
We can help you to navigate the complex home loan market and to realize your financial goals sooner. Having lived on the Central Coast for ten years we understand the local property market and the needs of:
First Home Buyers
Those looking to refinance their current loan or to upgrade their home
Investors
It makes sense to make sure that your home loan is still working as hard as possible for you with a home loan health check. We will review your home loan and will compare your loan with hundreds of others, not just the rates but the fees and features too. We will also take into account any potential refinancing costs, such as break fees, to help you work out your options and make the right decision.
Your current home loan may come out on top or there may be a loan more suitable for your needs.
First Home Buyers
The first home buyers grant has turned a dream of owning their own home into a reality for more than 8000 Central Coast families. If you are looking at buying your first home, Mortgage Choice specialises in all aspects of First Home Buyer loans.
Refinancing / Upgrading
Whether you need to move, reduce your repayments, use the equity you have in your current home to renovate or upgrade, we can assist by assessing your home loan needs. We have helped hundreds of people refinance their home loan by obtaining the most suitable product for them.
Investors
Whether you are looking at establishing an Investment Property Portfolio, or are a seasoned Investor, our panel of lenders offer a wide variety of loans that may suit your investment needs.
Contact us today on 4392 8611 or 0402 790 441
Additional Service
Did you know ...we also now offer?
Personal loans - for a car, holiday, or debt consolidation
Loan Protection Insurance - providing peace of mind for home owners
Business equipment finance and leasing - for vehicles or equipment both large and small.
Mortgage Choice does not charge our clients for our residential mortgage services. Mortgage Choice pays us the same commission, regardless of which lender you have chosen. This means we are only concerned about finding the right home loan for you.
It's all part of our service at Mortgage Choice Lake Haven.
Testimonials
" John, you & your team offer an amazing, helpful service. You provide up to date information on rates and lenders. We thank you for your help with our home loan & investment loan. You helped us find the loans to suit our needs & situation. Leanne & Michelle do an amazing job & provide a very professional, reliable service. Thanks again. "
S & S Saul, Belmont.
"John, Leanne & Michelle i can't thank you enough for your committed, professional and excellent "free" service and personally, for the courtesy shown to me by all. You didn't just assist in refinancing a loan, you helped me regain security for my family and sense of freedom i've not felt for years !!! " L Nunan, Tuggerawong
" I'd like to thank John, Leanne & Michelle for all their hard work in arranging my home loan. John was very patient in explaining all details of the loan product and the process involved. Leanne & Michelle were very helpful & knowledgable throughout the whole process. Thanks once again to you all. " K Schubert, Glenning Valley
" John, we loved your service and the girls were great to deal with too. I would tell everybody about you guys. Great service all round. "
K Christie, Blue Haven
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.