Mortgage Choice in Altona & surrounds
Specialist home loan help for your most important purchase
Acquiring a home is the most important purchase you will make in your lifetime. So it's important to consult a specialist to assist you with your financial decisions. Vince Camilleri and the team at Mortgage Choice in Altona are here to help.
We can help you find and secure a suitable loan for your property purchase, including:
First Home Buyer Loans Home Construction LoansProperty Investment Loans Home Loan Refinancing Debt consolidation Loan Bridging Loans Commercial LoansOur service covers the Hobsons Bay & Wyndham suburbs including Altona, Altona North, Altona Meadows, Derrimut, Laverton, Hoppers Crossing, Point Cook, Tarneit, Truganina, Williams Landing, Werribee, Werribee South and Wyndham Vale, as well as other nearby areas.
At Mortgage Choice in Altona we have access to the
latest home loan products with our panel of up to 25 banks and lenders. We can
explain the subtle differences between products and
answer all your questions about mortgages. We make the
paperwork easy and could
save you thousands of dollars in home loan costs.
If it's not a property loan you're after, Mortgage Choice in Altona is now also offering:
Personal Loans Car and Equipment Finance Loan Protection Insurance General Insurance Deposit Bonds Tax Depreciation SchedulesVisit us at
13 Harrington Square, Altona. If you can't make it to our place, we can come to you at
a time and place that suits. Call us today on
03 9398 1390, or use the
contact link at the top of this page. Why use a mortgage broker?Mortgage brokers remove the time, hassle and confusion that often come with finding a home loan.
Our job is to:Understand and analyse your personal home loan requirements Filter through the hundreds of home loan options on the marketFind the one(s) that most suit your individual circumstances
Work through the entire application process alongside you " right through until settlement Be available long-term to help you reassess your home loan as and when your circumstances change.Why work with Mortgage Choice in Altona? Mortgage Choice in Altona is dedicated to understanding your personal situation and property ownership aspirations. We always keep your interests as our number one priority and will go the extra mile and negotiate on your behalf to find a home loan that suits you. We make the entire process of finding, applying for and settling on a home loan easy and stress free.
Our loan consultants are all members of the Mortgage Finance Association of Australia (MFAA).
We are proud to be multi-time award winners of both the
Mortgage Choice High Flyer Award (2004, 2005, 2006, 2007, 2008) and the
Mortgage Choice Victorian Business Excellence Award (2005, 2006, 2008).
Perhaps the best recommendations come from some of our
many satisfied customers:
"Very happy with your service, you are already A1 with me and love the door to door service. I like the feeling that I'm your number one customer, even though we all are". -Brian Short, Sydenham.
"We are extremely happy with the service and advice we receive from Vince. Money is not always something easy to speak about, although when discussing it with Vince, my husband and I feel very comfortable and at ease and know we are going to receive the right advice every time. Thanks Vince!" - Megan Payne, St. Leonards.
"Nothing was too much trouble, everyone was very knowledgeable & friendly". - Carla Pirrone, Essendon North.
"Vince's service was fantastic. I was a return customer as I was very happy with my previous experience. Vince took the stress out of finding the right home loan for me. With a 30 day settlement it was tight to meet the deadline and Vince went out of his way to make sure we met the deadline and I settled on time. He even met me in the city to sign the loan documents so it would get through. Thanks for the great job." - Sharon McGrath, Moonee Ponds.
NO COST TO YOUAt Mortgage Choice, our service doesn't cost you anything. Our fees are paid by the home loan lenders, and our consultants get paid the same commission no matter which home loan you choose from our panel of lenders*.
Contact Mortgage Choice in AltonaLet us take the stress and hassle out of getting a home loan. Phone us today on
03 9398 1390. Or use the contact link at the top of this page.
*This information refers only to loans provided by our panel of up to 25 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
Set resolutions to repay your home loan sooner
This year's tips for budgeting, spending and managing your mortgage
Becoming a better budgeter, wising up on spending and making the most of any savings can help borrowers master their mortgage and own their home outright sooner, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.
Company spokesperson, Belinda Williamson said, "If your goal is to pay off your home loan sooner, the beginning of the year is a great time to set new financial resolutions."
"Challenge yourself to ramp up your home loan repayments by readjusting your budget and finding ways to make extra contributions to your mortgage.
"Well thought-out saving, spending and loan repayment strategy decisions can help put you months or even years closer to living mortgage free. Keep in mind even small financial changes can have a big impact on how much interest you pay over the life of your loan and the length of your loan term."
Mortgage Choice offers these financial resolutions to help borrowers own their home outright sooner:
Resolution 1. Become best buddies with your budget
If you don't already have a budget, the New Year is the ideal time to start one. Ensure it factors in all your regular spending - home and/or other loans, utility bills, medical expenses, memberships, grocery bills, insurance costs, etc. Don't forget to include funds for socialising treats. Be honest with your budget and refer to it each time you contemplate a new expense.
Resolution 2. Slash your cash limit
Consider ways to cut your daily spend. For instance, a daily caffeine hit at $4 per weekday equates to $80 per month. Did you know by making a coffee an every-second-day spend and contributing $40 extra per month to your mortgage from day one (based on a $300,000 loan over 30 years at 7%) could reduce the total interest owed by around $31,000 and the loan term by almost 2 years?
Resolution 3. Review your home loan with a fine-toothed comb
There could be underutilised loan features costing you money or features worth refinancing for. Get to know your loan's features. Your mortgage broker can help review your current loan and its features and identify any opportunities to shop around for something better suited to your goals.
Resolution 4. When rates fall, keep repaying more
If your home loan's interest rate has recently fallen, consider keeping your repayments at the higher, pre-fall rate. For example, take a home loan of $300,000 at 7% over 30 years. If your rate reduces to 6.5% and you keep repaying your loan as if the interest rate was still 7%, you could shave approximately 4 years off your loan term and save around $60,000 in interest owed.
Resolution 5. Make the move from monthly to fortnightly
Switching your monthly repayment to fortnightly may make a significant difference to your loan term and the interest owed. There are 12 months and 26 fortnights in one calendar year; by paying fortnightly, you make the equivalent of 13 monthly repayments. The savings, based on a $300,000 loan at 7% equates to around $103,000 in interest and about 6 years and 6 months off the loan term.