Neil Gorman
Mob: 0430 500 848
Kate Gorman
Mob: 0407 805 858
Neil & Kate Gorman - Home Loan specialists in Brunswick & the surrounds
We have been Mortgage Choice Franchise Owners since 2006 and since that time we have helped hundreds of people like yourself secure the finances they have needed to buy or refinance their home or investment property.
Are you planning on buying your first home or upgrading to your next? Have you considered renovating your property lately or thought about investing in another?
Maybe you've had the same home loan package for a number of years and want to make sure you're still getting the best rate possible?
If so, now could be a good time to revise your options.
There are a lot of questions to consider when it comes to home loans. That's why it's a good idea to seek the professional, non-biased advice of a Mortgage Choice home loan broker.
- We have access to 20+ lenders including the big 4 banks
- You don't pay us for the service we provide
- We will manage your application for you and guide you through the entire process
- Specialist property investment finance advise available
As well as home loan products, we can assist you with a range of other services including:-- Life Insurance
- General Insurance
- Car Loans
- Personal Loans
- Equipment Finance & Leasing
- Commercial Loans
If you want to know more about us please click on the Our Team tab
Testimonials
Thank you so much for all your hard work in helping us to get our first home loan. Your service has been Fantastic. You have both given us so much of your time and answered all of our many questions, and so promptly too. You have made the process run so smoothly and have been so lovely to work with and so very reliable.|||Sarah and Chris Theaker, December 2011 |||First Home Buyer|||Brunswick West|||VIC
Extremely efficient & advised every step of the way where the process was at – kept on top of what became a difficult process due to lender’s processes. Extremely satisfied – thanks!|||Carmel Reilly & Rolf Bjerkhamn, November 2011|||Refinancer|||Northcote|||VIC
Tremendous customer service throughout all our experiences, with every effort made to ensure the process went as smoothly as possible. Neil and Kate’s attention to our needs and requirements makes doing business very easy and enjoyable|||Sonchy Khou & Sunhoc Khou, July 2011|||Property Investor|||Heidleberg|||VIC
Our sincerest thanks for all of your efforts in ensuring this process went smoothly. Your responsiveness and thoroughness have made this a positive experience for us. Our sincerest thanks for all of your efforts in ensuring this process went smoothly. Your responsiveness and thoroughness have made this a positive experience for us|||Ashley Keleher & Melanie Prendergast, August 2011|||First Home Buyer|||Pascoe Vale South|||VIC
I was very pleased with the very prompt and professional service provided by Neil & Kate|||Nicolette Torcello & Mario Caligari, September 2011|||Property Investor|||Blackburn|||VIC
Paul and I would like to thank both yourself and Neil for all your help with our re-financing. We understand our scenario was a little different and we truly appreciate the time Neil took to explain all our options and the time you spent organising the paperwork and liaising with the bank to ensure a smooth settlement. You were both very friendly and professional and made the whole process very easy for us. We will not hesitate to come and see you both again regarding our next loan and will also be recommending your services to others. Thanks again.|||Emma Saarinen & Paul Toomey, October 2011|||Property Investor|||Ascot Vale|||VIC
Neil & Kate (Mortgage Choice Moreland) were incredibly helpful in the application process for my home loan. As a first home buyer they clearly explained the different types of loans available (something the bank didn’t) as well as the way the application process works, and the roles of the parties involved. I will look forward to dealing with them again if I ever purchase another property!|||Maggie McKeand, August 2011|||First Home Buyer|||Fitzroy North|||VIC
Both Kate and Neil have been prompt in their response to queries, not only during the process, but also post settlement. The information provided along the way has been professional and knowledgeable|||Sean & Natalie Nicholson, July 2011|||Upgrader|||Brunswick West|||VIC
Buying our first home was an exciting time, but required us to go along a steep learning curve which was made much easier through the patience and expertise shown by Neil & Kate. No questions went unanswered and we wouldn’t hesitate to recommend them to a friend. Job well done Neil & Kate.|||Greg George & Larissa Dale, June 2011|||First Home Buyer|||Preston|||VIC
We were particularly impressed by the “last minute†effort that you both put in to complete the paperwork on the night before Christmas break. It meant a lot to us as we got the mortgage approved in the nick of time, despite every other lawyer and bank manager going on holiday!|||Shane & Katie Lee, April 2011|||Upgrader|||Brunswick|||VIC
How will today's rate cut help you?
Save more by revving up your loan repayment strategy
Published: 3rd May, 2012
Provided lenders pass on all or most of today's Reserve Bank cash rate cut, astute home loan holders who maximise this opportunity could save thousands of dollars in interest and shave months, or even years off their loan term, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.
Company spokesperson Belinda Williamson said, "We hope today's move by the Reserve Bank to lower the cash rate by half of a percentage point to 3.75% does not become a non-event for variable rate borrowers. A decision by lenders to pull the rate lever will likely have a much needed, positive impact on property buyers' plans and borrowers' ability to repay their home loan quicker."
"It is no secret that some lenders have shown a reluctance to pass on the full rate cut in a bid to safeguard their businesses against future funding costs. However, we are hopeful that in an effort to reignite the property market, entice new customers and in the spirit of competition, lenders will lower their home loan interest rates.
"Even if lenders, regrettably, pass on only part of the cash rate cut, astute borrowers who rev up their loan repayment strategy by keeping repayments at the pre rate cut level could save thousands of dollars in loan interest and shave months, or years off their home loan term."
If a lender passes on the full 0.50% rate cut announced today, for someone with a $300,000 loan at 7.25% over 25 years, it would lower monthly loan repayments by around $96.
"If a borrower continued to repay their loan at the pre cash rate cut level, leaving the monthly savings of $96 in each repayment, it could save them $68,364 in total interest payable and may see them repay the loan two years and eight months earlier," said Ms Williamson.
"If lenders choose not to pass on all, or most of the cash rate cut, borrowers should see it as a signal to shop around for a more competitive deal. Of course, they should not move from one lender and/or loan product to another without carefully weighing up the cost versus benefit of doing so.
"Health checking a home loan with a mortgage broker is a great way to ensure you are getting the deal suited to your needs and financial circumstances."
To see the impact extra repayments can make to your home loan, visit Mortgage Choice's Extra Repayments Calculator:http://www.mortgagechoice.com.au/extra-repayments-calculator.
I was very pleased with the very prompt and professional service provided by Neil & Kate
Nicolette Torcello & Mario Caligari, September 2011
Property Investor
Blackburn, VIC