Wayne Jones
Mob: 0417 733 814
Wayne Jones - your Mortgage Choice Home Loan Broker in Brisbane North
Buying a property and applying for a home loan is one of the biggest decisions we make in our lives, so you want to make sure you find the best deal for you. Is that the sort of decision you want to give to someone that treats you like a number, has no qualifications, or can only offer a loan from one lender?
Let me find the right home loan or investment loan for your circumstances. I offer:
Choice
Our name says it all. We have over 300 loan products from over 20 lenders to choose from, and our specialist software means I can find the best deal for you.
Knowledge
I am a CPA with over 10 years experience and a buiness degree so you know you're getting advice from an expert.
Hassle-Free
Dealing with banks can be stressful, time consuming and frustrating and that's why you will be glad you used my services. I fill out the loan application form, lodge it with the bank, and follow them up. You simply provide me wih the information and sign the form and I do the rest. So while I am on the phone to the bank you can get on with your life.
Availability
You have a job and a busy life so looking for a property often has to be done outside normal work hours. I understand that, so I am happy to meet you after hours and on weekends. And to make it even easier I will come to you.
FREE Residex Reports
As part of my service I offer a free Residex report, a valuable tool when looking for your next home or investment property. And if you see more than one property you like, that's fine, I offer as many as you need until you find the property you're after.
The Next Step - call 3077 7109
Regardless of your situation please feel free to contact me. I can answer your questions, and discuss your needs - you might be surprised at how much I can do to help you achieve your goals of buying your next home or investment property, or releasing some of your equity to enjoy life.
Testimonials
"Wayne, Bernadette and I were very impressed with your professional and personalised service. Your attention to detail and willingness to go the extra mile to make things happen are greatly appreciated."
David Cameron, Ferny Hills
"Wayne - you couldn't have done more to help us in getting our home loan for our house. All up it took less than a month for you to see us, get the loan approved and us move in. All my friends said how hard to was to buy a house and get finance and you made it a very painless exercise."
Kendell Borrows, Bray Park
"Very comfortable and helpful about the whole home buying process, as well as informing us of the best deal for our circumstances. Highly recommended for first home buyers."
M Devlin & D Ennis, Deagon
"Great service & follow-up"
Victor V., Tarragindi||||||||||||
"Very comfortable and helpful about the whole home buying process, as well as informing us of the best deal for our circumstances. Highly recommended for first home buyers."
M Devlin & D Ennis, Deagon
"Great service & follow-up"
Victor V., Tarragindi||||||||||||
How will today's rate cut help you?
Save more by revving up your loan repayment strategy
Published: 3rd May, 2012
Provided lenders pass on all or most of today's Reserve Bank cash rate cut, astute home loan holders who maximise this opportunity could save thousands of dollars in interest and shave months, or even years off their loan term, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.
Company spokesperson Belinda Williamson said, "We hope today's move by the Reserve Bank to lower the cash rate by half of a percentage point to 3.75% does not become a non-event for variable rate borrowers. A decision by lenders to pull the rate lever will likely have a much needed, positive impact on property buyers' plans and borrowers' ability to repay their home loan quicker."
"It is no secret that some lenders have shown a reluctance to pass on the full rate cut in a bid to safeguard their businesses against future funding costs. However, we are hopeful that in an effort to reignite the property market, entice new customers and in the spirit of competition, lenders will lower their home loan interest rates.
"Even if lenders, regrettably, pass on only part of the cash rate cut, astute borrowers who rev up their loan repayment strategy by keeping repayments at the pre rate cut level could save thousands of dollars in loan interest and shave months, or years off their home loan term."
If a lender passes on the full 0.50% rate cut announced today, for someone with a $300,000 loan at 7.25% over 25 years, it would lower monthly loan repayments by around $96.
"If a borrower continued to repay their loan at the pre cash rate cut level, leaving the monthly savings of $96 in each repayment, it could save them $68,364 in total interest payable and may see them repay the loan two years and eight months earlier," said Ms Williamson.
"If lenders choose not to pass on all, or most of the cash rate cut, borrowers should see it as a signal to shop around for a more competitive deal. Of course, they should not move from one lender and/or loan product to another without carefully weighing up the cost versus benefit of doing so.
"Health checking a home loan with a mortgage broker is a great way to ensure you are getting the deal suited to your needs and financial circumstances."
To see the impact extra repayments can make to your home loan, visit Mortgage Choice's Extra Repayments Calculator:http://www.mortgagechoice.com.au/extra-repayments-calculator.