Scott Partridge
Mob: 0411 505 536

Mortgage Choice
Tel: 02 9659 2000
Fax: 02 8850 0991

Expert Home Loan Advice for Parramatta and Surrounds

Scott Partridge is your specialist local Mortgage Choice broker for Parramatta and surrounds. He has operated as a Mortgage Choice home loan broker in Parramatta, Ermington, Merrylands, Old Toongabbie, Toongabbie, Rydalmere, Dundas, Granville, Auburn, Lidcombe and Silverwater since 1998 and offers an exceptional level of expertise in the home loan field.

Whether you are a first home buyer, looking to invest in property or simply want to know if your current mortgage still meets your needs, Scott can help. He is able to assist you with information, advice and home loan applications for:

  • First home buyers
  • Debt consolidation
  • Property investment loans
  • Refinancing and upgrades
  • Loans for renovations
  • Low Doc loans

    Get your questions "How much can I borrow?" and "Can I afford an investment property" answered today!

    WHAT LOAN WILL SUIT ME?

    With so many banks and lenders, we all know how difficult it is to find the right home loan product suited to your individual needs and circumstances. It can be confusing and definitely time consuming. How can you be sure the home loan product you select won't end up costing you more?

    THE SERVICE

    As your local Mortgage Choice broker, Scott acts on your behalf when searching for the most suitable home loan from a prospective bank or lender. He will compare the various home loan products available on the market from Mortgage Choice's wide panel of lenders, saving you the time and stress involved in this process.

    Mortgage Choice represents a wide range of banks and lenders. Scott, working with you, can identify which home loan best suits your requirements by using our unique Qualifier software. He is able to cut through the maze of mortgage products to find you the most suitable solution to suit your needs, budget and lifestyle.

    Scott's extensive experience in the home loan industry along with his commercial property management, conveyancing, real estate, valuation and accounting training will ensure the home loan advice you receive meets your requirements.

    Best of all, as a Mortgage Choice consultant, there is no charge to you for Scott's service!

    As your MIAA accredited mortgage broker, let Scott do all the running around while you just find your dream home.

    To find out how we can help you achieve your home loan goals, please feel free to contact us by clicking on the Contact Us link or call Scott on:
    P: 02 9659 2000
    M: 0411 505 536
    E: scott.partridge@mortgagechoice.com.au

  • 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.

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