Nathan Newham
Mob: 0410 345 246
Ryan Ewart
Mob: 0410 343 858
QUALITY, PROFESSIONALISM, EXPERIENCE AND AWARD WINNING SERVICE IS WHAT WE OFFER YOU.
We are extremely proud of the positive reputation that we have within the market, obtained through our strong committment to providing a professional and supportive service to each and every person who chooses to work with us. The overwhelming number of referrals we receive from happy customers is testament to our ability to successfully deliver a service we are proud of.
First Home Buyers Investors
Refinancing
Moving to your next home
Why use our team?
We are your personalised and independent home loan shopper to help you compare over 25 lenders and find the right home or investment loan for your needs.
Over the past 10 years we have been awarded numerous Business Excellence Awards and apply a ‘Client for Life' attitude in all customer dealings. We have built up a network of thousands of satisfied clients around Australia and have settled over a quarter of a billion dollars worth of loans.
We have dedicated contacts with every lender to ensure a speedy resolution to any issues or problems.
We remove much of the stress by doing lots of the work for you.
There is no cost to you for our service.
Testimonials
"Nathan was very professional, punctual and always willing to help. He knew his business, hence making us feel very confident that we were dealing with the right person. We were always kept up to date with all the proceedings involved in applying for a home loan. What Nathan didn't know was not worth knowing!"
Melanie and Stephen (Avalon)
"As First Home Buyers, we were extremely anxious and ignorant to the process. The best thing we ever did was phone Mortgage Choice and speak with Nathan. He put us at ease, walked us through the process and ensured we were informed each step of the way by the team, who were all fantastic. We've recommended him to all of our friends and those whom have sought loan assistance through him have all been very pleased. Thank you Nathan!"
Michael and Robyn G
"After having met with another company, I decided to 'test the market' before going ahead. I am so glad I did! Nathan was amazing helpful and professional, providing me with much more information than the original broker and ensuring all of my questions were answered, without making me feel foolish. Nathan made the process of of purchasing my home a dream and I am so grateful to him for his kindness and incredible professionalism. I referred Nathan to my two of my work colleagues who were equally impressed and I will definitely contact Nathan again when I'm ready for my next property!"
Karen G (Glenhaven)
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.