Leith Yelland
Mob: 0409 247 205
Your Mortgage Choice Broker in Gawler & Barossa Valley.
Despite the cool winter and with spring approaching, Mortgage Choice in Gawler is as busy as ever. Now is an ideal time for borrowers and those-to-be to reassess their property goals, revisit their budget and make the most of any new windfalls while putting in place a solid plan for the new financial year.
This applies whether you are looking to move out of the rental market through buying a home, purchase an investment property, upgrade or downsize your place of residence, pay more off your mortgage, or help your child into their first home.
Local Gawler and Barossa Valley residents may have noticed our new sign-written car. Look for it next time you go past the shop at 67 Murray Street Gawler.
We also continue to sponsor the local Barossa Bulldogs Football club.
"Growing kids need an active lifestyle and rely on the local sporting clubs to provide them with an opportunity to develop their skills in a safe and enjoyable environment. Without the support of local businesses such as Mortgage Choice, our Club simply would not survive. Over the years, Leith has been an amazing contributor to the Barossa District Football Club, this year sponsoring one of our under 11 football sides and providing them with new match jumpers. The kids look like mini AFL stars and proudly display the Mortgage Choice logo on backs of their jumpers. We're so glad to have Leith and Mortgage Choice on board and hope that our relationship continues for many years to come.
Simon Carpenter, Barossa District Football Club."
Leith Yelland has run a successful franchise since 2002 and has taken out many awards during this time.
Mortgage Choice Business Excellence Award Winner 2009
Mortgage Choice Business Excellence Award Nominee 2008
Mortgage Choice Business Excellence Award Winner 2007
The team at Gawler along with Leith, include Loan Consultant Chris Lee, who is also available to assist you with your Home Finance needs, William Woods who is our Loan Processing Support Manager, Julie Yelland, Marketing & Administration Assistant, and Jackie Lind, Receptionist & Administration Assistant.
Why Use us? We offer friendly professional advice.
We will make sure you have the right Home Loan to suit your needs.
We will do the work and make life easy for you!
We offer excellence in service, understanding and above all CHOICE.
Testimonials
Very happy with the service. Easy. And friendly staff. Thanks to all.
Carl- Andrews Farm SA.
Leith is always helpful.
Marina & Phil- Nuriootpa SA
My wife & I are very satisfied that Mortgage Choice were able to help us re-finance our home loan. We have already suggested them to family and friends in the past and we will continue to do so without hesitation.
Damian L - Willaston, SA
I thought your service was very good & couldnt ask for more. Mortgage Choice made the whole process very easy. Thank you so much.
Andrew -Birdwood SA.
The experience with Mortgage Choice has been excellent. We really appreciate all the advice from you and your staff. It has been a very smooth process to arrange our second Home Loan. Keep up the good work. Thanks.
Nathan & Despina- Blakeview SA.
Your service was always most professional. The follow up & up to date phone calls were very much appreciated. Please thank William for his fantastic service along with Leith.
Jason & Lee- Tanunda SA
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.