The Mortgage Choice Camberwell Team - Located In The Heart of Camberwell Junction
The most important thing to remember is that we do not sell our own home loan products, and we are paid exactly the same by the lenders regardless of the lender or product the borrower chooses*.
Our team at Mortgage Choice, Camberwell is very experienced in all types of home loans. Whether you are a first home buyer, seeking advice on refinancing an existing home loan, considering borrowing for an investment property and require advice on loan structuring, or would just like to compare your current loan with the large panel of lenders and the hundreds of loan options available through Mortgage Choice, we can help
Mortgage Choice, Camberwell is located centrally in Camberwell Junction directly opposite the Target / Safeway complex. Perhaps for locals it is easier to say we are along side the well known Camberwell Pet Shop.
Our team of brokers, Carol, Tony and Peter are very experienced in all areas of home loan lending especially with First Home Buyers, refinancing and lending for investment's.
At Mortgage Choice, Camberwell we use market leading software to ensure borrowers know the costs of either the loan or their new purchase, and can make an easy decision on the best home loan that suits their needs
We take as much time as you need to fully explain the options available so that you can make your decision totally confident that the loan you choose will meet you needs.
At Mortgage Choice, Camberwell we keep the home loan process simple and easy to understand.
We are especially proud of the service and response we commit to our clients after the loan is established. We are always available for advice in regard to the loan if a change occurs in your life or you just need to review your loan and the changing market.
Flexible is the best way to describe when and where we can meet; at our office, at your home or your place of work is fine, and we can meet during the day or after hours, whatever suits you!
Call Mortgage Choice, Camberwell on 9813 3522 and speak to one of our experienced brokers on how we can help you with advice on your home loan needs.
*This information refers only to loans provided by our panel of leading Australian banks and lending institutions with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
Testimonials
The service was "Brilliant" we could not have asked for a better mortgage broker. I highly recommend Peter". Elwood
Peter was prompt and professional and provided excellent customer service. If only I had known about Peter for our first home loan - life would have been so much easier. Strathmore
Peter's service and professionalis was fantastic, and made the whole process of taking out a mortgage easy and convenient. Prahran
I really appreciate all the time you gave me, and all your patience as I went through the process for the first time,,,, I would like to recommend you through our electronic noticeboard. I am sure people would be thrilled to receive the great service you gave. Surrey Hills
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.