Northern Districts Home Loan Heroes
We've been helping locals with their home loan needs for over 9 years and are confident we can show you why our clients keep coming back. Often finding a home loan can be a nail biting experience. It's our pleasure to ensure that you're able to put your trust in our team and allow us to take on the running around to find and secure you the best home loan for your situation.
Our reputation in the local community for delivering outstanding customer service is backed by the many industry awards we've won, and confirms our status as Mortgage Choice's number 1 franchise in NSW for the past 9 years.
Our success has recently allowed us to expand and we now have two offices located at Gladesville and Macquarie Park to service our client's needs. We offer Home Loan advice for:
First Home Buyers Refinancing your existing loan to move or consolidating debt; and Investors
Our Macquarie Park office is located on the corner of Waterloo Road and Byfield Street, and works with our local corporate partners to deliver:
On site One-to-one appointments with employees 15 minute lunchtime Home Loan Heath Checks Home Loan seminars
Some of our current clients include Optus, Cannon, and Foxtel. To find out more click on the Our team section of our website. No matter who you are, or what your situation, chances are we can help you. Our Principal, Matthew Holland, took over the franchise in 2001 and has grown the business into a well known local institution. Matthew has formal qualifications in financial planning and mortgage broking and has hand picked his team to ensure that you receive service you expect, and deserve. Feel free to call either of our offices, or one of our qualified brokers to arrange a meeting directly:
Tiz Musumeci 0425 278 700 Maria Zappia 0401 158 307 Julian Ho 0433 509 256 Les Patonay 0414 286 030 Hamish Johnstone 0433 279 349 Clint Sellen
We love visitors, and always have the kettle boiled, so feel to drop in to one of our offices 6 days a week. Alternatively, we can visit you at your home or office from 8am till 7pm most days or you're welcome to make an appointment at either of our offices. Call Gladesville on 9879-5611 or Macquarie Park on 9888-6424.
Testimonials
"The team at Mortgage Choice delivered on their promise to provide a streamlined process from start to finish. We have no hesitation in referring business to Matt and his team". The James family from Hunters Hill
"Thanks to our broker Tiz and a special thanks to Karen in the office who held our hand with our first home purchase. Your a great team". Thanks Katie from Gladesville.
"Thanks again for all the help, the fact I could contact you on a Sunday to discuss my situation shows your level of customer service. Much appreciated and you will hear from us again"
Jason from Homebush Bay
"Hi Les, It was a real pleasure dealing with such a professional individual, your coming to our home at 7:30m on a Saturday night was a real saviour as I think we may have lost our new home if we had waitied any longer. Thanks Les and Julian for all your help".
Maxine and family from Castle Hill.
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.