Property investment, refinancing and home loans in Melbourne, Victoria.
Whether you are buying your first home, need to refinance or want to invest in property, the Mortgage Choice team in Hoppers Crossing is here to help you. Our team of 14 mortgage brokers and administrative staff share a wealth of experience, backed by extensive industry knowledge. Each and every team member is dedicated to providing clients with superior customer service. We take the time to understand your financial circumstances and goals, help you find a home loan that suits your needs and take care of the whole application process.
And the service doesn't stop when your home loan is secured. We are with you every step of the way, until you move into your property and beyond - keeping you informed of property news, interest rate changes and the latest home loan products. If your needs change in years to come, we'll be here to assist you again. That's what we strive for - to have our clients for life!
First time home buyers - We understand that entering the property market may be daunting. But we're here to help and will provide you with all the information (particularly in relation to the First Home Buyers Grant) you need to give you confidence and help ensure your home loan experience is as stress-free as possible.
Property investors - Remember, we don't charge you for our service! What sets us apart from our competitors is that we don't sell our own home loan products and our consultants get paid the same* commission, no matter which loan you choose from our panel of lenders.
Contact one of the home loan consultants at Mortgage Choice in Hoppers Crossing by completing an online enquiry form or phoning us on 9748 7999.
The achievements of Mortgage Choice in Hoppers Crossing have proudly been acknowledged, receiving the Mortgage Choice High Flyer Award five years running in 2004,2005,2006, 2007 and 2008.
*This information refers only to loans provided by our panel of up to 23 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
Testimonials
First Time Investor Information Evenings
Have you thought about investing in property and not sure how to use the equity in your home to do so? Our Property Investor Seminar is a great place to hear valuable information.
For further information please contact Liz on 9748 7999 or liz.said@mortgagechoice.com.au
"What can I say! Exceptional service. I've had dealings with others in the past and it was nothing but one big headache, chasing up things etc. Didn't have to worry about a thing. Wonderful!
Denise
Altona Meadows
"As an independant broker, I found that your advice was based around a facility that best suited my requirements.
I never felt pressured, received great service and would have no hesitation in recommending family and friends to Mortgage Choice at Hoppers Crossing"
Peter McMahon
Balwyn North
"All the work is done by you, we don't have to do a thing. You are always available to talk to us and provide us with any information and advice we need. All the staff at Mortgage Choice are friendly and helpful and a pleasure to deal with. We would recommend everyoine to your office."
Angelo & Joanne
Point Cook
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.