Kym Moore
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
We are also local advocates, and support the community through sponsorship of:
- Sutherland PCYC
- Sylvania Heights Public School
- Taren Point Bowling Club
Testimonials
“Mortgage Choice Miranda were very helpful & met with us three times before we settled exactly upon what we wanted to do. They were very patient, explained everything in layman's terms & we would definitely recommend Mortgage Choice to family & friends. Thanks!â€
Geoff & Bree, Sutherland
“ Thank you for looking after my application win what was a very busy time. Because of your prompt response, excellent advise and constant updates i was able to secure my perfect little home."
Merrin Adams Cronulla
“The team at Mortgage Choice Miranda handled our refinancing of the loan in a timely manner. They were very professional and nothing seemed too difficult. We felt relaxed, at ease once we made our decision of refinancing. Thanks to our consultant & the team.â€
Dino & Mara, Peakhurst
My husband and I could not fault the Miranda Team. They were EXCELLENT. Just keep up the friendly service you give. The team made it easy for my husband and I to understand what they were saying to us.We would ask them to explain it again and they did without any trouble. There should be more service offices like them.
J & J Thirwell – Jannali
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.