THE CHOICE IS SIMPLE - LET US DO ALL THE HARD WORK - Sean Willett

Sean Willett
Mob: 0437149326

Mortgage Choice
Tel: 02 8764 8133
Fax: 02 8078 6663

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 9771 9451 or 0437 149326.

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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