Michelle Towner
Mob: 0412 998 844
Your Mortgage Broker in Perth CBD & Western Suburbs
I have been a Mortgage Broker Since 2001 and am one of 3 Directors at Mortgage Choice in Perth CBD. In 2006 I was recognised by the MFAA as the best Young Accredited Mortgage Consultant in Australia under the age of 30. I work exceptionally hard to maintain my knowledge and understanding of industry developments and the products offered by our panel of lenders, which ensures you will receive the exceptional service you deserve and also allows me to negotiate loan arrangements tailored to your specific needs.
I guarantee our service does not end once your loan is written. Our office is situated in the heart of Perth CBD and our friendly loan support team will track and monitor your loan application from submission to settlement and work to ensure the process is as seamless as possible. Our team is also available to answer any queries you may have.
A key difference between us and other mortgage brokers or finance providers, is our unique "Customer for Life" program. As a member of this program, our team of brokers will ensure the loan established for you continues to be the most suitable for your situation in the years after your settlement. We understand that circumstances can change and we are committed to your ongoing needs and changing circumstances. A timely home loan health check can often pay significant dividends.
I look forward to working with you to achieve your property goals - please contact me on the details above. I am able to meet with you at a time convenient to you in our offices in Perth CBD or a location of your choosing.
NEW SERVICE AVAILABLE FOR CLIENTS - Self Managed Super Funds!
Mortgage Choice now has a range of Self Managed Super Fund loan products available from our panel of lenders. We can compare all of these loans against your finance needs to find the option that best suits your future plans and investment requirements.
Some of the advantages of using a Self Managed Super Fund to purchase property in Australia are:
- You control the investment strategies
- You can invest in residential and commercial property
- Income tax on rental income is capped
- Interest expenses may offset tax liabilities
- Capital gains tax is capped if the property is sold after a minimum of 12 months, and none is payable if the property is sold during pension phase
We also have Financial Planning, Lawyer and Accounting Business Alliance Partners who can help complete the process of establishing and managing a Self Managed Super Fund. So if you are interested in finding out more about starting your own Self Managed Super Fund, just contact me and I will help arrange all the products and services you need to start your investment!
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 loan that is the most suitable for your needs and strive to get a better deal for you - genuinely taking the time to listen to your needs
- A more friendly and stress-free experience
- Locals helping locals
We can assist you with
- Purchasing your first home - we can also assist you with the First Home Owners Grant
- Refinancing solutions
- Purchasing an Investment Property
- Commercial and Equipment Loans
- Car Loans and Personal Finance
- Personal Insurance
Testimonials
“The long hours I work in an isolated environment – the effort the Mortgage Choice team puts in is excellent. Thankyou.â€|||S. Hansen|||First Home Buyer|||Karratha|||WA
“I would like to convey my appreciation for your help over the last 6 months, you have always been very approachable and extremely helpful. I am certainly very “green†when it comes to financial affairs as historically I have never been really involved in those sorts of matters – your explanation along the way has been done in a way that I have been able to fully understand so I thank you for that. You give an excellent service and thankyou again.â€|||T Webster |||Upgrader|||Como|||WA
"Michelle was fantastic. Some stuff I didn’t understand Michelle took the time to explain things in detail. Overall wonderful service. Thanks Michelle.â€|||R & I Parnham |||Property Investor|||Maddington|||WA
"Very helpful is the main comment. We were very confident that all would go well, as we have both used your services previously. A big Thankyou.â€|||C. Sly & R Simpson |||Property Investor|||Bellevue|||WA
"I was impressed by the friendly, upbeat manner of the receptionist, which made it easy for me to ring & check how things were going. Well Done.â€|||M. Lancaster|||Property Investor|||Warnbro |||WA
"I was in a situation where a bank had let me down and I needed finance fast soon after starting a new job. Mortgage Choice were honest about my prospects and only too happy to help me out. As a result, finance was arranged quickly and painlessly. They got my business.â€|||P. Wilson |||Property Investor|||Wellard|||WA
"I have had many home loans during my years with Mortgage Choice. Michelle and her team have always been outstanding in their customer service, communications and focus in getting you the best loan for your circumstances. Yet again another transition into a new home loan with ease. Thank MC."|||S. Smith|||Property Investor|||Dianella|||WA
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.