Vincent Camilleri
Mob: 0413 734 707
Home Loan Specialist in Altona, Victoria
Acquiring a home is the most important purchase you will make in your lifetime. So it's important that you consult a professional to assist you with your finance. That's what Mortgage Choice does.
Reasons to Choose Mortgage Choice in Altona
Various Loans & Services:
First Home Buyer Loans
Home Construction Loans Home Loan Refinancing
Debt Consolidation
Property Investment Loans
Bridging Loans
Commercial Loans
Mortgage Choice now also offers:
Personal Loans
Car and Equipment Leasing
Loan Protection Insurance
General Insurance
A Variety of Choice: Mortgage Choice has a panel of up to 24 banks and lenders and we do not sell our home loans, so our team are all dedicated to assist you getting a loan which best suits your needs.
Cost: Mortgage Choice does not charge you for our service.
Convenience: If you can't come to us we will visit you at home or work.
Interview Process: With a variety of lenders we take our time during the interview to assist by educating and informing our clients about the different options they have.
We do all the work: We liaise with the lenders and all relevant parties during from the loan application to settlement process as well as keeping our clients updated about the status of their loan application.
Qualified: All our loan consultants are members of the Mortgage Finance Association of Australia (MFAA).
Experience: Our team of 4 Loan Consultants and 4 support staff (see the team on the "Our Team Page") together have over 60 years of experience in the Banking & Finance Industry.
Recognition: Our Franchise has been awarded the following:
Winner of the 2004, 2005, 2006, 2007 & 2008 Mortgage Choice High Flyer Award
Winner of the 2005, 2006 & 2008 Mortgage Choice Victorian Business Excellence Award
Testimonials: "Luke always replies to our questions promptly and explains everything until we understand it. He provides professional advice without being pushy, allowing us to make our own decisions". - J & J Ayling, Werribee
"Very professionial service thank you. Constantly keeping me informed with the latest trends, markets & lenders. Vince Camilleri went above and beyond, not with his lending service and also offering other advice. Thank you!" - Graham Elander, Bacchus Marsh.
"Vince's service was fantastic. I was a returning customer as I was very happy with my previous experience. Vince took the stress out of finding the right home loan for me. Thanks for the great job!" - Sharon McGrath, Moonee Ponds.
Local Area: We provide home loan advice and service to the Hobsons Bay & Wyndham suburbs including: Altona, Altona North, Altona Meadows, Laverton, Point Cook, Hoppers Crossing, Tarneit, Wyndham & Werribee as well as other nearby areas.
Local Staff: All staff either currently live or have lived in the Hobsons Bay & Wyndham area with our office located at 78 Pier St, Altona (the film location of "The Bank" starring Anthony La Paglia and David Wenham).
Local Community Involvement: Our staff are, involved in various sporting and local associations as well sponsorship within the local community:
Altona Village Traders Association: Vince Camilleri is on the commitee.
Altona North Soccer Club: Luke Camilleri is on the commitee.
Altona Bowling Club: Mortgage Choice in Altona is a sponsor.
Local Toastmasters: Vince Camilleri & Daniel Ellul are both current members and Vince is a former president of the club.
Contact our office on 03 9398 1390.
Testimonials
"Service was very professional, but with a personal caring touch. Would highly recommend Mortgage Choice Altona". - Pauline Grundy, Altona
"I would like to thank Luke for all his hard work in finding a loan that would suit my needs. As a result of his hard work my loan was approved and the property settled smoothly. I was very impressed with Luke's dedication and communication and the level of attention I received was very professional. I wouldn't hesitate to recommend Luke to my family & friends". - Matt Buttigieg, Hoppers Crossing
"We are long term clients and have always found Mortgage Choice Altona to conduct a professional approach to all our needs. The business is a credit to Vince & his team. Well done". - D. Martin, Hoppers Crossing
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.