Michelle Towner
Mob: 0412 998 844 (WA FB Lic No: 2484)
WHY CHOOSE US?
We have a team of professional, experienced brokers who can see you in our offices or they can come and see you at a location and time convenient to you. In addition, we also have a friendly loan support team in our office, which means there is always someone monitoring your application throughout the loan process and they are available to answer all of your important questions
Our " Customer for Life " program is our commitment to your ongoing needs and changing circumstance. This means our team will take care of you throughout your loan process as well as in the years after your settlement, with regular phone calls, emails and other contacts throughout the year. This differentiates us from most other brokers and finance providers
HOW DOES THIS BENEFIT YOU?
We excel at highly effective and personalised service which means you'll receive dedicated support and personal attention from the whole team
We'll help you find the right loan and a better deal - genuinely taking the time to listen to your needs
A more friendly and stress-free experience
Locals helping locals
A BIT ABOUT OUR BUSINESS
Our business has been established in the mortgage industry since 1998 and formed a corporate identity called MFO Enterprises Pty Ltd in 2003. Since then, we have serviced over 6000 clients and written over $1billion in loans to become the largest Mortgage Choice Franchise in Australia. We have also been the winner of the prestigious Mortgage Choice "High Flyers Award" every year since 1999, which places us in the top 10 Mortgage Choice Franchises in Australia for eight years in a row. This means that we have the experience and professionalism to deal with all your home loan needs, not matter what your circumstances.
Unlike many other brokers, Mortgage Choice Loan Consultants are paid the same* commissions regardless of which lender or product you choose from our panel and we don't sell our own home loan products. This means we always have your financial interests at heart and we strive to help you choose the most suitable products for your circumstances.
*This information refers only to loans provided by our panel of up to 25 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
In addition to the Mortgage Choice High Flyer Awards, my team has also received the following awards as a recognition of our success within Mortgage Choice and also the Finance Broking Industry;
2008 Finalist for MFAA Mortgage Broking Business of the Year
Mortgage Choice Franchisee of the Year for 2007
Mortgage Choice High Flyers Award 1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006, and 2007
Mortgage Choice NSW Multiple Franchise Operator of the Year " 2002
Franchise Council of Australia NSW Franchise of the Year - 2002
LET US ASSIST YOU TO
Pay off your mortgage years sooner
Consolidate your mortgage, credit cards and personal loans into one low rate
Purchase an investment property or fund other investments
Purchase your first home - we can also assist you with the First Home Owner Grant
Restructure your current mortgage to ensure that it is helping you to achieve your goals
Testimonials
“The long hours I work in an isolated environment – the effort the Mortgage Choice team puts in is excellent. Thankyou.â€
S. Hansen – Karratha WA
"Thanks once again to Dennis and his team at Mortgage Choice, for a smooth transaction and constant help on my mortgage for new building.â€
K. Mayes – Banksia Grove WA
"I was impressed by the friendly, upbeat manner of the receptionist, which made it easy for me to ring & check how things were going. Well Done.â€
M. Lancaster – Warnbro WA.
"We found Peter Keenan very helpful and prompt in letting us know what was going on. He gave us all the relevant information and answered our concerns in a professional way.â€
G & E MacMillan-Smith-Davies – Seville Grove WA
“I would like to convey my appreciation for your help over the last 6 months, you have always been very approachable and extremely helpful. I am certainly very “green†when it comes to financial affairs as historically I have never been really involved in those sorts of matters – your explanation along the way has been done in a way that I have been able to fully understand so I thank you for that. You give an excellent service and thankyou again.†T Webster – Como WA
"I was in a situation where a bank had let me down and I needed finance fast soon after starting a new job. Mortgage Choice were honest about my prospects and only too happy to help me out. As a result, finance was arranged quickly and painlessly. They got my business.†P. Wilson – Wellard WA
"I have had many home loans during my years with Mortgage Choice. Michelle and her team have always been outstanding in their customer service, communications and focus in getting you the best loan for your circumstances. Yet again another transition into a new home loan with ease. Thank MC."
S. Smith – Dianella WA
"Michelle was fantastic. Some stuff I didn’t understand Michelle took the time to explain things in detail. Overall wonderful service. Thanks Michelle.†R & I Parnham – Maddington WA
“Pete was very patient and always replied to my queries ASAP, and always had an answer for me. I’ve used Mortgage Choice 3 times and will continue to use you. Thanks Again.†F. Zottola – Carlisle WA
"From my initial enquiry, right through to completion was easy, convenient, friendly and hassle free. Top marks for Dennille Roberts and the rest of her team!†S. Mead – West Perth WA
"Dennis Aplin is a legend. Always happy to help. Lets give him a payrise and a carton of South African Beer – “Castle†every week. Service wise – wish I had a business whereby he was the face of my company as he is definitely a patient man who is the ultimate people person.â€
L. Bowman – Cowaramup WA
"Thank you Dennis for always being available to speak with us and to meet up about mortgage and lending issues. We are very happy with the service provided and will recommend Mortgage Choice to all our friends and family.†R & L Soh – Stirling WA
"Very helpful is the main comment. We were very confident that all would go well, as we have both used your services previously. A big Thankyou.†C. Sly & R Simpson – Bellevue WA
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.