Sean Willett
Mob: 0437149326
Claire Willett
Mob: 0400 130 009
THE CHOICE IS SIMPLE - LET US DO ALL THE HARD WORK
Does this sound like you?
After years of renting you have at last made the decision to buy your first property. With the vast array of ever changing options available to you, where do you start? You turn to your partner for encouragement who looks more mystified & daunted than you by the whole home loan process. He too is confused by the myriad of choice and complex home loan jargon.
After work, you stay up late at night, surfing the internet. You research home loan choices, compare lenders, rates & features. You eagerly await the Reserve banks decision on interest rates every month & endlessly pour over newspapers to find the latest home loan deals. You take time off work to make appointments to talk with lenders as well as discussing your situation with well intentioned friends & family who only make you more confused and frustrated in the end. On weekends you visit open homes, go to auctions looking for your ideal property not understanding what the next steps are. Until at last - you find your dream property and can hardly contain your excitement as you know this is the one.... Or is it? It's a little more than you wanted to pay but you can afford it - can't you?
Sound familiar? There must be an easier way? There is!!!
Imagine if you could take all the worry and stress out of buying your property and instead you are able to sit back & enjoy this exciting time. In today's uncertain market, it's more important than ever before to make the right home loan choice. Our expertise is helping people through this financial maze, by finding the most appropriate loan to suit their individual needs and circumstances.
I enjoy running my own business and get a great level of personal satisfaction and pleasure when helping people reach their financial goals. Whether it's your 1st home or your 5th; buying a commercial property or simply looking to renovate or refinance I am passionate about giving them the best home loan advice to help people move forward.
We are paid by the lender, not by you. So best of all we do not charge you for our service. Most importantly we receive exactly the same payment whichever lender we choose for your home loan. So there's no financial incentive for us to recommend one lender over another. We truly have your interests at heart.
We'd love to help you, even with the simplest of questions or enquiries. We are fully mobile and are happy to meet you at your home, your office or whatever you choose and at time that is most suited to you. Call us today on 02 8764 8133 or 0437 149326.
Testimonials
I can not thank you enough Sean. We had always wanted to buy an investment property but never thought that we could afford to. You showed me how to strucutre my loan which enabled me to get into the market sooner. You were very knowledgeable and professional. Both Andrea & myself found you a pleasure to deal with through the whole process. Thankyou once again. Scott & Andrea - Penshurst.
I can't even begin to thank both of you enough. You just made it so easy for us It doesn't even feel like I got a home loan! You kept me fully informed all the way through and I never had to worry about anything. Thank so much. Tracey - Kirrawee.
Claire you have been so great to deal with over the last few months. Being a First Home Buyer, I just didn't have a clue on where to start. You talked me through the whole process and just made it so easy. From arranging my First Home Owners Grant Application to dealing with my solicitor. You have been amazing and were so easy to deal with. I can't believe I'm in my home now - It's all because of your help. Thankyou!!! Hannah - Mortdale.
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.