Specialist Home Loan Service for Parramatta and Surrounds

Scott Partridge
Mob: 0411 505 536

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

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: Always there to lend a hand, even on weekends. We knew if we needed help/advice, all we needed to do was call. You never let us down. Edgar & Deanna Mendez, Dean Park 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 I was very happy with the quick and professional service I received. I would be very happy to recommend you to my friends and colleagues. Alicia Fernandez, Collaroy 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. Extremely prompt and efficient. James Fitzgibbon, Ruse NSW

Building approvals on the rise The Australian Bureau of Statistics estimates that the trend in building approvals has actually been on the rise since hitting its low point in January of 2009. It appears that indicators such as finance commitments and building approvals are pointing to further recovery in the December quarter of 2009. The number of new housing starts has risen 9.4 per cent in the September quarter, following a revised fall in the previous quarter. Rises in housing starts in the September quarter were recorded in all states with Queensland up 22.4 per cent, the ACT increasing 17.6 per cent and Western Australia rising 13.8 per cent. Victoria was up by 8.2 per cent, Tasmania up 4.9 per cent, while New South Wales and South Australia each gained 3.2 per cent. The Northern Territory was the only exception with approvals falling 5.5 per cent in the quarter. However, further recovery may be slow due to lack of progress in reducing the considerable land and labour shortages. Housing starts were still below the level needed to meet growing demand, especially in Queensland and Western Australia. Housing starts are still at a level that is substantially below what is required to meet the demands of a rapidly growing population. ARPP Dec 09

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

Mortgage tips to help borrowers own their property sooner

While interest rates and living costs are rising, the possibility of borrowers improving their mortgage situation via a few key steps is an opportunity not to be overlooked.

To help borrowers take a few steps closer to being mortgage-free, Mortgage Choice suggests going over the following checklist:

Step 1: Is your current mortgage still the most suitable for you?

Circumstances change, as do your needs. Consider how competitive your lender’s interest rate is, what features you are paying for and aren’t using, the fees you’re forking out for and what kind of costs are associated with switching loans and/or lender. A reputable mortgage broker can offer a no-cost home loan health check to compare your loan to others currently available.

Step 2: Are there ways to pay off your mortgage quicker?

Have you been throwing money into the home loan account wherever possible e.g. your yearly tax return or bonus or leftover monthly wage? Every cent counts. Is it possible for you to repay at a faster rate via other methods e.g. paying fortnightly instead of monthly or making the loan a partial offset?

Step 3: Are you interest rate savvy?

Have you been repaying your mortgage as though its interest rate was at least two percentage points higher, preparing yourself for rate rises and in the meantime reducing your loan term and the amount owed? This will encourage a good savings habit and make adjusting to rate rises less burdensome.

Step 4: Is refinancing an option?

If you are struggling with your repayments, consider refinancing the home loan over a longer term than you have left. Or, if you’ve been making extra repayments to reduce your home loan amount, you could always refinance the home loan so your repayments reflect what you owe on the loan, not the original home loan amount.

Step 5: Have you looked at your spending habits?

Are you spending more money than you need to e.g. transport, entertainment, fast food? Continually list your expenses to see where you can save money and contribute more into your mortgage. Once you have revisited all of the above steps, re-do your budget so you really are beginning the year ahead.

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