Ryan Ewart
Mob: 0410 343 858
Nathan Newham
Mob: 0410 345 246
Mortgage Choice on the Northern Beaches
The property market is ever-changing. So too is the lending market. In fact, when it comes to property, few areas have evolved as much or as quickly as the lending market. There are now more lenders, more loan products and more options, and with such choice comes the importance of teaming with professionals to get the best result.
The Mortgage Choice team servicing Sydney's Northern Beaches are your local professionals.
Our Customer for Life Philosophy
Our experience and processes ensure we find you the right loan, but it's our Customer for Life approach to service that really makes the experience special. It's what sees us enjoy repeat business and client referrals to family and friends. It's why we have strong referral partners in local Property Buyers, Solicitors and Accountants.
When you work with us, from the very first conversation, that's the level of service and professionalism you can expect. We'll submit the application, chase the lender when needed and ensure a speedy settlement. Then we're just a call away should a question arise " and not just about your existing loan. Our service expertise extends to:
- First homes and relocations
- Refinancing and debt consolidation
- Investment loans and strategy
- Commercial loans
- Deposit bonds
- Mortgage protection insurance
- Car and equipment leases
- All insurances " home, contents, car etc.
We also run regular First Home Buyer and Investment Seminars
Industry Professionals with Your Interests at HeartStructuring loans correctly is crucial in any property transaction, no matter if you are an experienced investor or first home buyer. To get the best result, you need to be sure that the information and guidance you receive is
independent and that
your interests are always the highest priority.Mortgage Choice is
not owned by a bank, we assess loans from over 20 lenders to find the most suited loans - and Mortgage Choice Brokers are paid the same commission by the lender regardless the loan, regardless the lender. Our services don't cost you a cent.
Our experience, our resources, our energy, all dedicated to providing the outcome you need to achieve the property goals you desire.
Call or
click to talk to the team servicing Sydney's Northern Beaches, we look forward to meeting you.
*This information refers only to loans provided by our panel of up to 25 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
Testimonials
"I would just like to say a very very big thank you for all of your help and advice which made my dream of owning my own property again a reality.
Your knowledge and professionalism is outstanding and will be recommending your services to all of my friends."|||Sue H|||Upgrader|||Turramurra|||NSW
"Thank you for your professional and friendly manner. Thank you for being so reliable in your communication and for going out of your way to chase things up for us as needed. Thank you for being able to give us good advice even when some others couldn't at times and thank you for your thorough and positive attitude."|||Andria D|||Upgrader|||Hornsby|||NSW
"We just wanted to say a very big thank you to you for all the help you gave us in securing our home loan! You gave us a great deal of your time and patience and we are very grateful for that.|||John and Lyndal|||Upgrader|||Normanhurst|||NSW
We had never used a broker before for Housing loans and we were blown away. Our expectations were exceeded at every turn. It wasn’t about a loan it was about buying a home – thankyou team! Ryan was always available to answer questions from the loan process to questions about the sale process. We will highly recommend Mortgage Choice to everyone we know.|||Rob and Michele|||First Home Buyer|||Dee Why|||NSW
You both were amazing, going above and beyond to help us find the best loan and then to make it happen. You both made this experience for my husband and I a lot less stressful as we knew that you were always on top of everything. Thanks again for all your hard work|||Lauren and Peter|||Upgrader|||Castle Hill|||NSW
Ryan and the team at Mortgage Choice have made home loans a simple matter and not a complicated one. For many years Ryan's Team have been our one stop shop for all loan matters and we trust we are always getting the best possible product for our circumstance.
With regular news letters and updates to see how we are going.. we could not ask for better service and a more knowledgeable crew. Our Redraws and loan variation have been a breeze! Thank you again!|||Daniel|||Refinancer|||Cherrybrook|||NSW
"I cannot thank Ryan and Susie enough for making the whole process stress-free. They were both so professional, quick to respond and happy to answer any questions I had regarding the often-confusing home purchase process and never did I feel like I was asking a stupid question. My purchase wasn't as straight-forward as most and Ryan took the time to talk me through all the steps and consisently followed up with me. Ryan came recommended from a friend and I would strongly recommend anyone considering buying a home to use Ryan's services. Thank you so much Ryan and Susie!"|||Claire|||First Home Buyer|||Biggera Waters|||QLD
Excellent service. Ryan and team kept us updated throughout the process and always responded promptly to queries. They were always available and really tried to go the 'extra mile' with their level of service. It was a pleasure dealing with them and I wouldn't hesitate to recommend them to others.|||Angus and Meredith|||Upgrader|||Berowra Heights|||NSW
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.