Mark Wheller
Mob: 0414 333 410
MORTGAGE CHOICE IN KNOX, YOUR LOCAL HOME LOAN SPECIALIST
My name is Mark Wheller and I am a Loan Consultant for Mortgage Choice. I have been with Mortgage Choice since 2004 and own and manage the Knox Franchise.
I look forward to helping you achieve your dream of buying your first home or investment property. If you are already in your home, as your local mortgage broker, I can assist you with obtaining a loan for renovation, refinance for a better deal &/or debt consolidation. I can also assist with the purchase of a commercial property or business, car or equipment leasing or personal loans.
My previous working experience was in law enforcement for 16 years. Since commencing a new career in finance with Mortgage Choice in 2004, I have helped hundreds of people with their home loan needs.
Buying a home is one of the biggest financial transactions you will make in your lifetime. Selecting a home loan is a big part of this process and that's where I can help.
I am able to assess and evaluate the most appropriate loan for your needs and circumstances. Then do all the follow-up and general running around, which of course saves you time, energy and stress " leaving you to enjoy this exciting time of your life. I am able to meet you at a time and place that is most suited to you.
Best of all, as a Mortgage Choice Loan Consultant, I do not charge you for my service.
Contact me today on (03) 9763 3777 or 0414 333 410.
Testimonials
It was excellent service, you went well beyond the call of duty.
J. Wallace - Scoresby
Mortgage Choice Knox is proud of our high quality customer service and local community involvement.
Thankyou so much for the time and effort you put in in sercuring our first home.
W & S Brown - Rowville
Dear Mark,
Thankyou so much for all your hard work in helping us get our home loan approved. You provided excellent service and helped us understand so much. We will recommend you to all our friends when they are in the market for a home loan. Thanks heaps.
B. Vassallo & T. Graham - Wantirna South
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.