Robert Harney
Mob: 0419 716 439
At Mortgage Choice in Noosa your local Mortgage Broker makes it simple to get a Home Loan
Stressed about home loan repayments?
First home buyer or building a new home? Looking to refinance?
Investing in property and looking for an investment loan?
Need cash for a car or holiday using a home equity loan?
Fixed or variable home loan?
Or simply, in need of a home loan health check?
Come and see us today. Whatever your circumstances, we can help by keeping the home
loan advice FREE and the answers simple. But most importantly by finding a loan suited to your borrowing and income capacity.
We have access to over 20 banks, building societies and non-bank lenders which will give you a choice of hundreds of home loan products.
CONTACT US
For more information or to arrange an appointment give us a call at any of our offices:
Noosa Heads: 5474 9834
Kawana: 5444 6007
Caloundra: 5437 2344
Nambour: 5476 1622
Testimonials
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Settle on a loan with us today and you can be rewarded with up to $3,000 worth of holiday vouchers.
If you have a friend who is interested in a home loan, introduce them to us and when they settle, you can also be rewarded with a bonus $250 in Resort Rewards, redeemable against any of the Resort Rewards holiday packages.
Take advantage of this offer, exclusive to Mortgage Choice at Caloundra, Kawana, Noosa Junction and Nambour by booking your appointment today.
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"We want to thank you for your patience and more than helpful assistance to us and on our behalf in getting the job done. We do not think that it could or would have happened without your help. We look forward to seeing you on our next trip and thanking you in person." ~ Barney & Robyn W (Malaysia)
"Thanks for all your assistance. One of the smartest decisions we made when we were in Noosa was to contact you. We had a very small window of opportunity to purchase a property and you did an excellent job helping us obtain finance in such a relatively short space of time." ~ David & Jackie P (London)
"We would like to thank you for all the hard work you have put in for us. You have done an excellent job and your follow up has been terrific, we would certainly recommend you to any one needing assistance with finance." ~ Steven & Jackie F (Peregian Beach)
"You made the daunting task of getting finance so easy, we were hating the thought of going to a bank and applying for a loan, how did we know if we got the best deal. You made it so easy, you are the expert it this area, thanks again." ~ Jenny & Ross W (Sunshine Beach)
"Just a quick note to say Thankyou for all your help in getting us a home loan. We are finally unpacked and settled into our new house. It's a dream come true!" ~ Troy and Kamila (Gympie)
"Thank you so much for the excellent service that you provided. This is the first time that I have done this sort of thing on my own and you have answered plenty of questions and guided me along the journey. Most importantly you have successfully helped me to acquire a loan! I hope to do business with you again!" ~ Sharon Wood (Nambour)
"We were both very impressed with the service and professionalism we were offered by you. Thankyou." ~ Nick and Yolanda (Noosaville)
"A brilliant service - we'll be recommending you to everyone!! Congratulations on your outstanding business. Thanks once again." ~ Megan P (Tewantin)
"Thanks for going in to bat for us (Lorain and I) and getting the loan through! Thanks for helping to get it through on the 24th Dec despite HUGE odds. Thanks again." ~ Cheryle M (Bli Bli)
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.