Scott Partridge
Mob: 0411 505 536
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
Testimonials
Testimonials:
Scott took all the worry out of applying for a loan. No appointments at bank, hours of paperwork or trying to find out what was going on. All made simple by one visit from Scott. Marvelous!
John & Sylvia Nowlan, The Ponds NSW
The loan application was handled efficiently with a minimum of involvement from me, which enabled me to carry on with business. The team were well informed, polite and very easy to deal with.
Allan Farrar, St Ives, NSW
Thank you for your frankness and explanations. I have had so much trouble in the past and you took the time to listen to my needs.
Cathy Morgans, Beecroft NSW
Thanks for putting together a complete financial arrangement that saved us, in the end, thousands of dollars.
Doug Cross, Merrylands NSW
Scott, your service was excellent. I don't think I will get a better person to deal with my loan applications. Hats off to you.
Girithat & Manikkalakshmi, Woodcroft NSW
Very accessible, great service and knowledge.
Christopher & Christine Cassar, Oatlands NSW
I was very grateful with the way both Scott and Sue helped me on both occassions, when I was very stressed. They took the stress away.
Louise Handley, Springwood NSW
Scott from Mortgage Choice helped make a seemingly daunting process quite simple and smooth.
Cathy & Tom Byrne, Baulkham Hills NSW
You didn't give me any reason to be disappointed or worried in any way. Thank you.
Louise Xerri, Wetherill Park NSW
Testimonials:
We wish to thank you sincerely for your professional and friendly service. You and your staff have always been ready to answer our questions and give us advice.
From our first meeting right through to completion of our house purchase, you have been helpful and prompt. Always making us feel comfortable and that everything was under control even when we thought that we had encountered some problems.
Thank you so much and please pass on our gratitude to your staff, particularly Sue.
We look forward to continuing our association with you in the future.
Ron & Sevim Micallef, Northbridge NSW
Scott provided us with some alternative options that we hadn't considered, which opened up our thinking beyond our original plans. His creativity saved us money and we were very happy with the service provided.
Mark & Monique Savage, Leichhardt, NSW.
You were wonderful, efficient and so helpful in every way. We are so happy with our loan and having you help us.
Marcus & Natasha Beaumont, The Ponds, NSW
Interest rates?
The question that is always top of mind is: what is going to happen to interest rates?
Interest rates are still at reasonably low levels and it is thought that this stability will give property buyers added confidence in the market in the second half of the year.
A stable interest rate environment means there could be more opportunities for the astute property buyers.
Auction clearance rates may also be giving an indication of a slightly more buoyant property market in the second half of 2010.
Just recently Melbourne recorded a 63.3 per cent unadjusted clearance rate, while Sydney's hit 56.5 per cent, according to Australian Property Monitors.
These recent auction clearance results are a far cry from the 80 per cent seen in Melbourne and Sydney as recently as March.
The ending of the government stimulus has also contributed to slowing momentum since the beginning of the year. Median capital city home prices rose 0.6 per cent in May according to information from RPData-Rismark, slowing from the 1 per cent monthly gains seen over the previous year.
Australian Bureau of Statistics reported that median capital city home prices rose 4.8 per cent in the March quarter.
Property once again continues to experience good steady long term growth. All you need is time, the right information, and patience.
ARPP July10
Testimonials:
Mr Partridge is constantly professional, knowledgeable, friendly and a pleasure to do business with. I have had four home loans through him and look forward to many more.
Rebecca Lambert, Seven Hills NSW
Very 'on the ball'.
Megan Toulson & Paul Grove
Baulkham Hills NSW
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.