Tim Clissold
Mob: 0419 977 227
Welcome to Mortgage Choice in Armadale, Gosnells, Kelmscott, Maddington, Roleystone and Thornlie
FB Lic No: 2505
No one really wants a mortgage!
However, all of us want to have a place we can call home. A place we decorate, furnish, renovate. A place to raise a family, a place we can invite our friends for a meal. Once we've achieved that, we all know that accumulating property is one of the best ways of creating wealth.
So, most of us will have one or more mortgages in our lifetime.
And that's where I can help you.
Australia has one of the most complicated mortgage markets in the world. Competition is intense and choice is confusing. Don't waste your valuable time trying to find the right loan to achieve your goals. I have access to hundreds of different loans from Australia's leading lenders. Some you will have heard of, some you may not have. That's choice.
We can meet at your home or place of work, seven days a week, anytime of day or night. That's convenience.
In one short appointment we can review all the loans available to you, sort through them and rank them in order. We can discuss the features of each loan in plain English. Then you can decide which one will suit you. That's easy.
At the same time, we can complete your application and lodge it with the lender of your choice. If you're eligible, we can also complete your application for the First Home Owners Grant. That's service.
Like all Mortgage Choice consultants, I am a member of the Mortgage Industry Association which means that the quality of the service you receive will be timely, professional and courteous. That's reassuring.
So, if you want to achieve any (or all) of the following, please give me a call:
Buy your first home. Move to a new home. Borrow to buy land. Construct a new home. Pay off those expensive debts at home loan rates. Buy an investment property (or two). Pay off your existing mortgage sooner. Release equity to renovate or invest in shares. Just check to see if you still have the right loan for your circumstances. I look forward to helping you sort through the maze of home loan options available so that you can achieve your dream sooner.
Call Tim Clissold anytime on 9397 5574 or 041 99 77 227.
Testimonials
Thanks for all your advice. You really made the process easy for us.....Mark, Roleystone
You were recommended to us, and I can understand why. Thank you for making a complicated task much easier......Jenny, Armadale
As first home buyers, we really didn't know where to start. We appreceiate you invaluable assistance arranging our home loan......Sue, Gosnells
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.