Your Home & Business Loan Specialist
Welcome to Mortgage Choice Palm Beach.
We can make your dream home purchase a reality!
Murray Dickson, the franchise principal, brings to Mortgage Choice a wealth of experience based on knowledge, service and integrity " all key attributes for assisting you in obtaining the right home loan for your needs.
Murray joined Mortgage Choice in December 2001, having previously spent 10 years as a senior executive at Royal Pines Resort, including leading the Royal Pines team as Resort Manager. Prior to Royal Pines Resort, Murray spent 15 years with a major bank in a variety of lending roles.
"The Mortgage Choice service should be the first and last stop for a home loan borrower," Murray says. "Having access up to 23 lenders with hundreds of different loan products, the latest in technology to sort through the vast product range available and a service that is at no charge to the borrower means that our clients will get the home loan that best meets their individual needs."
Benefits to you include:
Difference - Mortgage Choice is paid the same commission regardless of which home loan or lender you choose, so you can rest assured I am working for you.
Convenient" Our office at 28 Palm Beach Avenue, Palm Beach is conveniently located or alternatively I will visit you at home, at work or at play, to discuss your home loan needs.
Experience" At Mortgage Choice we arranged home loans totalling nearly $10 billion in 2007/8. So we know where the best deals are to be found.
Technology" Our systems are updated every day with the latest in product and interest rate information.
Time " I will save you time and money by sourcing the best loan, explaining the best products for your individual needs and submitting all the paperwork direct to the chosen lender.
Call me on 5559 5177 or 0422 222 917 anytime " I would be pleased to assist you
* This information refers only to loans provided by our panel of up lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
Testimonials
Thank you so much for taking the stress out of buying my first home.
A, Elanora
You're wonderful Murray!!
E & T, Kirra
Thanks for your extra effort in securing funds ...we appreciate your fine service...
C & D, Currumbin
Thanks so much for everything you have done to make some of the biggest decisions of our life a breeze.
B & Y, Elanora
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.