MORTGAGE CHOICE - MORTGAGE BROKERS - MELBOURNE - VICTORIA - AUSTRALIA - HOME LOANS - FIRST HOME BUYERS - INVESTORS - REFINANCING - PROPERTY INVESTMENT - NON RESIDENTIAL LOANS - EXPAT LENDING
PROPERTY INVESTMENT SEMINARS
While several have been waiting, Melbourne's Median House prices have jumped 15% in the Dec 2009 Quarter as just released by the REIV, moving from $470,000 to $540,500 in just 3 months. It's definitely the right time to invest - so what are you waiting for?
Property is one of the proven ways to secure your financial freedom.
Investing in the right property takes skill, experience and hundreds of thousands of dollars. Unfortunately, many investors buy the wrong property. Don't be the one to make such an expensive mistake. If you're serious about making money in residential property, you need to know the difference.
Cameron Price and Stephen Zamykal of Mortgage Choice will educate you about lending policies, investment loan structuring, LVR issues and many valuable finance tips.
Agenda Includes:
How to get started
How to buy well and avoid costly mistakes Loan structuring for investment purchases, lending policy issues, LVR tips Real-life examples of selecting the right investment property
Approaches on how to get the best rent returns
Venue: Mortgage Choice State Office
The Atrium, 459 Collins Street Melbourne
MELBOURNE INVESTMENT SEMINAR DATES FOR 2010
21st September
12th October
16th November
2nd December
Simply email or phone our office to register!
FIRST HOME BUYER SEMINARS
These combined information packed evening is a must attend for anyone thinking of buying their first home. Hear the answers to important finance questions, such as:
How much can I borrow?
How much deposit do I need?
Am I eliglible for the First Home Owner Grant?
What type of loan product should I get?
Furthermore, you will gain invaluable information and important buying tips when purchasing a home. Presented by Mortgage Choice and with guest speakers.
Simply contact our office to find out when our next seminar will be held.
Testimonials
Customer Testimonial
Dear Stephen,
Thank you for all your help in showing us how we could use the equity in our home to allow us to buy an investment property. We did not realise that we could buy an investment property so easily, and now we are looking at getting our 2nd investment property very soon. You made the process feel so simple. We are grateful, as it took the pain away of running around to several different banks to get the best loan. I will not hesitate in referring you on to my friends and family as it is a service everyone should take advantage of. Look forward to using your expertise again in the future to help us expand our portfolio further.
Your Faithfully, Loui Sambevski & Nina Enqvist
Melbourne
Customer Testimonial
Dear Julius,
We are now settling in to our house and loving it.
Thank you for all your help with making it happen. It was a stressful time but your advice made things much easier. We will certainly return to you for more advice when we need it.
Thanks again.
Kate Shanahan & Scott Boulton
Melbourne
Customer Testimonial
Dear Cameron,
Thank you sincerely for all your assistance in thre purchase of my first home. You made what seemed like an extremely complicated and confusing process, straight-forward and worry free.
I very much doubt that if I hadn't have come into Mortgage Choice's offices and dealt with you, that I would have felt confident enough to bid and eventually purchase my property. Your extremely prompt responses to my questions and down-to-earth attitude made you an absolute pleasure to deal with.
Thank you again!
Kellie-Ann McDade
Melbourne
Customer Testimonial
Dear Ashley,
Now that the loan has settled, I would like to sincerely thank you for your thoroughly professional and patient support through what has been an incredibly frustrating experience. I am very grateful for your guidance and flexibility in accommodating our needs. Thanks again and Merry Christmas.
Regards, Mark Brownley
Melbourne
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.