Published: 23rd August, 2016
I found this great article on www.smh.com.au on Sunday Aug 21 and thought it was worth sharing word ...Read more blogs
Better choices for a better life
Welcome to Mortgage Choice, Gymea - Mortgage Brokers & Financial Advisers
, GYMEA NSW 2227
Tel: 02 9525 4544 Fax: 02 9520 7966
Hi, my name is Ben Herden and I head the experienced team of mortgage brokers and financial planners at Mortgage Choice at Gymea.
Welcome to the back half of 2016. Seems crazy but not long 'til Christmas!
August saw another round of rate cuts which resulted in the cheapest interest rates ever to be offered in Australia. The lenders were a bit stingy passing this cut on to mortgage holders so there is now quite a large gap between some lenders' interest rates. It is definitely worth calling for a "home loan health check" even if you've only had your loan for a couple of years.
Jenny Deushian, formerly of St George Bank, has been with us for 7 months now. We now have a full compliment of 3 incredibly experienced full time brokers working from our office, alongside our expert financial planning team. There is an absolute wealth of knowlegde in this office - give us a call for a chat.
If 2016 is the year you're going to be buying / selling you really need to have a pre-approval in hand before you go house hunting. The local property market so no signs of slowing so when you find your dream home you'll need to move fast!
We can help you work out your borrowing limits and quickly and easily get a pre-approval in place for you. Adam Niewidok, our Financial Advisor, will also stress test your application to ensure your making the best financial decisions possible.
With the introduction of our Financial Planning division we now offer a full holistic financial services packages to our clients. Taking on more debt is the perfect time to take a good look at your financial future, from debt reduction techniques to superannuation to insurances. Adam is also an expert in setting up & administering Self Managed Super Funds (SMSF) and Transition to Retirement strategies.
As local home owners and active participants in the Shire community (Ben & Michele Hutchen both live in Cronulla), there's nothing we enjoy more than helping our clients realise their property and financial goals, and we'd very much like to help you. Whether it's your first home, an investment property or financial planning, if you're wishing to relocate to the area or wanting to look at refinancing options for your existing loan, my team and I are here to help.
The Sutherland Shire Team
Finding a home loan or refinancing is something most only do a few times throughout their life, but for me and my team it's what we do day in, day out. We know the local property market and the broader lending landscape intimately and we work with you to find the loan that's right for you.
I've been a Mortgage Broker for almost 16 years and between my team and I we've helped hundreds upon hundreds of clients with their loan needs. In that time this office has written over HALF A BILLION $$$ in home loans! That's a lot of loans! Our performance in this area has been well recognised. We have been regular winners and finalists of the Mortgage Choice Business Excellence Award, we have won numerous local Small Business Awards and we are keen contributors to the local community through our work with schools, clubs and the Chamber of Commerce. I have also appeared TV as an industry expert and I am often consulted on issues surrounding property and investment by various print media outlets.
Over the past 17 years the Gymea team has consolidated their position as one of the best mortgage brokers in theSutherland Shire, if not the industry;
Yes, we are very proud of our work and the recognition, but the main reason I highlight it here is to let you know that when you work with us, you are working with a truly local team of experienced and committed professionals.
Mortgage Broking - The Process
Here's how we work:
1. Initial Consultation - come in or we can come to you and we'll discuss your goals and circumstances. It's free, without obligation and fully confidential.
2. Loan Choice - we'll assess hundreds of loan products from a broad range of lenders, present you with detailed information, then work with you, answering your questions to help you make the right home loan choice.
3. Application to Settlement - we take the hassle out of the home loan process. We'll complete and submit the appropriate documentation then follow the application though to settlement.
4. Future Needs & Your Protection - as long term Shire locals and Mortgage Broking professionals, we'll be here for you down the track should you have a question. Our in house financial planner will have a look at your figures and offer suggestions. We care about more than just our clients home loans. That's only one piece of the financial plan. We're with you for the long term.
Let's get started - give us a call or click on the link to set up a time to meet. We can meet in our Gymea Bay Rd offices or we can come to you.
We look forward to meeting you.
Ben Herden and Team
Providing the best service to our clients since 1999. Servicing Cronulla, Caringbah, Miranda, Gymea, Kurnell, Bundeena, Maianbar, Lillipilli, Burraneer, Woolooware, Sutherland - the whole Shire! - we have clients literally all over the world!!