Martin De Santi
Mark Bambagiotti
Mortgage Choice in Crows Nest
Professional Mortgage Advisors
Chatswood, Wollstonecraft, Crows Nest, St Leonards, Naremburn, Greenwich, Lane Cove, Chatswood, Artarmon, Roseville, Lindfield, Killara, Gordon, Willoughby, Northbridge, Castlecrag, Middle Cove and Castle Cove
We've helped literally hundreds of people on the North Shore with financing their first, second and even third homes. Whether you're a first home buyer, looking to save money or consolidate debts by refinancing your existing loan, or want to invest in property or grow a property portfolio, we will help find the right home loan for you.
There are so many providers and loan products in the market, it makes sense to seek the help of a professional mortgage broker to steer you through the process, show you different products and recommend one suitable for your lifestyle and financial situation. We are specialists in matching over 300 loan products from our lender panel with your needs.
Home Loan Health Check
If you are an existing borrower, you should take advantage of our obligation-free "home loan health check" to ensure that your home loan is still the most suitable for you.
The Right Loan
Mortgage Choice isn't owned by a bank. Better still, we don't charge you for our services. We are paid by the lenders once your loan is funded. Here is the important part . . . we are paid the same* regardless of the lender or loan product that you choose. So you can be confident that the loan that we recommend is right for you!
All of our team are tertiary qualified in finance and accounting and participate in industry events and ongoing professional development.
Complete Solutions
Our clients are often taking on a mortgage for the first time, so as part of our service, we provide you the opportunity to review your personal insurances to cover your debt if there is an unforseen future event. Our insurance partner specialises in the comparison of personal risk products. They will provide a free, no obligation service to source the best, most affordable policies for your needs from Australia's leading insurance companies.
Why Waste Your Time?
Save your valuable time and take the stress out of securing the finance for your property, call us for an appointment, or if more convenient, book an appointment online.
* 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.
Testimonials
"Martin is really easy to deal with, accurate, prompt, good at following up. He thinks of things that we haven't thought of" - Erica, Balmain NSW
"Mark showed attention to detail, looked after everything including our surveyors and solicitor. Great service" - Ian & Sarah, Rozelle NSW
"Martin was vey prompt, professional and kept things moving along well with the lender"- Mark, Marsfield NSW
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.