Announcing Some Very Happy Customers...
They may be:
- First Home Buyers, OR
- Refinancers, OR
- Property Investors, OR
We first utilized the services of Yew Kong at Mortgage Choice in July 2004 for a pre-approval. We eventually bought a property in September 2004 and the pre-approval was activated with military precision. One week prior to settlement Yew Kong's determination and efficiency was put to the test, as the selected bank failed to deliver the correct documents in time for my husband to sign before proceeding overseas for a business assignment. Once the correct documents were obtained, Yew Kong ran around on a few trips to get my signature and then arranged for the documents to be delivered out to Singapore to hasten the process for a smooth settlement. He went beyond the call of duty and provided this extra service with a smile. Though I was anxious about the settlement, we were confident that Yew Kong would deliver his promises about extraordinary service. We are happy to say that settlement went ahead as scheduled without any hiccups.We were very impressed with Yew Kong's professionalism, thoroughness in explaining the products and features of the loans, his calm and collected manner when under pressure and his unflinching motivation to provide an excellent service and be responsible for the only acceptable outcome-a smooth and hassle free settlement. We totally trust and respect his advice we have no hesitation to recommend his impeccable services to anyone.
Guido Lilio and Michelle Eime.
To Whom It May Concern:
We first met Yew Kong at a business function where he was a presenter on loans issues affecting small business owners and offered advice on how to save on their loans by structuring them better. We found him to be an expert on such matters and a breath of fresh air on the issues that were related to our situation and that we had limited knowledge on. We decided to set up a meeting with him to explore our situation in greater details and that is the best decision that we have made in a long while, as far as our finances are concerned.
Our situation is fairly complex, suffice to mention that we had a commercial loan for our factory on top of our home and investment loans secured against the 3 properties. We were paying a fairly high interest rate on our commercial loan on top of a very punishing fee structure that saw us pay more than $9,000 in fees per annum. Our home loan was not crash hot, either. The interest rate was higher than it should be and there was on-going fees to content with. It just seemed that the bank was bleeding us from all directions. In step Yew Kong, our mortgage expert, and our worst nightmares were over. He re-financed all our loans to a bank who took over a hugh part of our commercial loan at a very low home loan interest rate (the bank would have been happy to use the low rate for the whole commercial loan had there been more equity in our other properties). The home and investment loans were also at that low home loan interest. The best thing was that, there were no ongoing fees on all the loans except one. From our calculations, he has saved us more $9,500 in bank fees and interest of $2,500 a year. That would equate to more than $200,000 savings over the term of the loans. That is certainly better than a poke in the eye with a blunt instrument and we are amazed what a simple meeting and an assessment can lead to.
Apart from the massive savings that we have achieved, the whole process was relatively smooth. Sure, there were hiccups as you would expect dealing with banks and our complex situation but, Yew Kong was there to smoothen the kinks each time. We have found him to be an authority in his field, very efficient, patient and was constantly keeping us informed of the situation. We would say that it was an overall pleasant journey, so much so that, we had no hesitation in recommending him to our sister whom he has helped and in future, to any of our family, friends or business associates. In conclusion, we have no hesitation in endorsing his expertise and high level of service. We just feel that Yew Kong is on a personal mission and crusade to help anyone he comes across in finding them a better loan and help them save money. Maybe, that is why he is so confident in offering his guarantee, which I am sure he will not be challenged on, at the rate he is going.
Tony and Jenny Banks
To Whom It May Concern,
My brother, Pieter recently had the bad luck of having a medical procedure go wrong which put him out of work for 4 months. As a result, his mortgage which was leveraged against my home, fell into arrears. At the same time, I had intentions of renovating my home and consolidate my expensive car loan. Once Peeter returned to work and got his mortgage in order, we approached our bank that turned us down. We then saw a broker who recommended that we should re-finance with Interstar Securities, an institution that specializes on borrowers who have credit impairment or had their mortgage in arrears. They charge interest of more than 10%. We felt we had no other options?.so we were led to believe!
Pieter met Yew-Kong at a seminar when he was presenting to a business group and was impressed with his sound knowledge and honesty. We decided to seek a second opinion and that was probably the best decision we have made in a long while. I spoke with Yew-Kong over the phone and explained our situation and requirements and he said he will go off and do some research. A few days later we met up and he is everything Pieter made him out to be and more. He immediately said that something was wrong and that we should not go anywhere near InterStar as they are a lender of last resort, hence the high interest rate. He did not promise anything but was confident a few mainstream banks will consider our case because of ?hardship clauses? in loan contracts. He then, went on to explain to us what products were available and their features and what product may suit our requirements. He was patient, clear and concise with his explanation which made our selection process that much easier.
We decided to go ahead with the application and I cannot believe what he has achieved for us. The whole process was smooth, stress free and a dream. That is not to mention the time we saved having someone take care of everything for us?all absolutely free. The dream run has everything to do with Yew-Kong and his team. He is organized, meticulous and kept us informed at every stage of the process. I must admit at one stage, I wanted things to happen quicker and was slightly anxious. All he did was assured me that everything was under control and that I should take the week-end off and have a few chardies and relax. He is just so calm that I feel so re-assured each time after speaking with him.
Not only is he efficient, he has integrity and will absolutely go all out to help us get the best loan and savings. He has saved us 3.5% in interest rate and thousands of dollars both in fees and interest over the coming years. To say that I am most impressed with the whole experience would be an understatement. I have no hesitation in recommending his service to anybody. In fact, I will actively drum up some referrals to him as I feel more people deserve to receive his impeccable service and in the process save themselves thousands of dollars and not be duped by other unscrupulous operators.
To Whom It May Concern
Ten years ago, I would not have believed that I would be on the verge of buying my third property before I reached the age of 35. I work with the Postal Services, earning a modest income. No, I did not strike the Tattslotto, if that?s what you think!
I have to thank my Accountant for his advice to look at an investment property back in 2000. This first modest property has helped me to fund my second property. It was my good fortune to meet Yew-Kong Lye who advised me on how to structure my loan with the equity from my first property to buy my second property. The repayments were paid from the rental income and I did not have to dip into my own pocket for any of the repayments. Now, four years later, I?m ready to invest in my third piece of property.
Not only did Yew Kong give me good advice on how to structure my loan to get the best mileage out of my first investment property, he saved me a lot of time as well. Dealing with Yew-Kong was a pleasant experience. He took control of the loan application and dealt with the lender removing all the stress of seeing the loan through the different processes involved from the submission till settlement from me. That is why I have come to him again to help me with my loan application for my third piece of property. I have no qualms about recommending him to all my friends.
I am sure by now you are aware that we have finally sorted out and settled the Unit purchased by Danielle & Sam.
The whole process from start to finish has been a very challenging one , but we believe we have reached an acceptable resolution to all the issues and Danielle and Sam can now focus on the future.
Your assistance during this time was invaluable. You helped us understand our options and added very useful information to the decisions we needed to make .
Thank you for your patience , your guidance , your effort and support in helping Danielle & Sam settle the property and achieve a very good outcome.
Yew Kong, you are by far the best mortgage broker we have come across.
Very professional concise and to the point. Friendly, knowledgeable, and always quick to reply to all
We've greatly appreciated your responsiveness and will certainly be in touch for any future property
James & April
To Whom It May Concern,
I would like to take this opportunity to say a few words about the help I have received Your focus was getting me a competitive home loan that suited my requirements and you have far exceeded that. You have probably saved me nearly $30,000 in interest over the 30 years life of the loan if I had a loan that was a quarter of one percent worst off. You explained everything clearly and you were very thorough in your processes and kept me informed along the way and never failed to return my calls in a timely manner. Your professionalism is second to none and you completely took charge of the whole process without me having to stress about things. The best part was how you encouraged me to apply for the First Home Buyer additional grant when I thought I did not qualify. I was $18,000 richer.
Again I thank you for the excellent home lending advice and assistance you provided me when getting me into my first home. You ensured that I received very competitive interest rates and provided me with fantastic continual, prompt personal service. I would highly recommend your services to anyone.
We were very impressed with Yew Kongs professionalism, thoroughness in explaining the products and features of the loans, his calm and collected manner when under pressure and his unflinching motivation to provide an excellent service and be responsible for the only acceptable outcome-a smooth and hassle free settlement. We totally trust and respect his advice we have no hesitation to recommend his impeccable services to anyone.
You may remember that you had helped me previously with home loan advice.
Unfortunately, there were various reasons why I ultimately chose not to follow through with your advice on the last occasion we met. I recall that the reasons for this were unfortunate and not of your direct making.
I was struck at that time, however, by the fact that you still followed through on your undertakings, even though I made it clear that I would not be taking up the loan that you had arranged because of my disappointment. The fact that you followed through on your actions showed high professionalism on your part, and I have never forgotten that gesture.
So, if you are willing to do so, I would like to again make use of your expertise.
Thanks Yew Kong, We are very happy with your services and relieved that the process has come off without a hitch!
After our initial stress of being with a different mortgage broker who dropped the ball, we were very worried that we wouldn't even get our finance together in time. It was such a relief when we engaged your services and you assured us that we would be fine and walked us through the process of applying for loans - and also structuring it in such a way that our resulting finance will benefit us for more than just this investment property.
Thanks for your comprehensive and professional service and assistance
S & J
Hi Yew Kong
Thanks to you, I noticed today the discounted rate that you've been fighting for us has come into effect. Yew kong you are a man of your words and we thank you for making a difference . That is huge . Little changers like that can go a long way .
We settled on Austin St on Tuesday and have just spent our third night there. We love it! Thank you so much for all your hard work to make it happen! We really appreciate all of your assistance and huge efforts.
We really appreciate your personalised support and commitment to ensure settlement goes through without any stress.
I found my recent dealings with Yew Kong Lye at Mortgage Choice Essendon to be professional and the advice received extremely helpful.
I had previously secured the services of Yew Kong when obtaining a mortgage in 2001 and upon my recent property purchase sought his expert advice again. After pre-approval, Yew Kong kept me informed with market information via his on-line newsletters. Upon purchase of my new home he was able to progress every stage of the process with my solicitor and the financial institution with great efficiency and in a timely manner.
The settlement and financing of my home was completed within a very tight timeframe (20 days) to my complete satisfaction.
I would not hesitate to recommend the services of Yew Kong.
4 years ago, we were trying to save enough money to purchase our first home. We did not think we would be able to take this huge step in life; however Yew Kong Lye showed us ways of achieving the goals required to own our first home.
With Yew’s help we were able to purchase our first home and we moved into our fantastic home in January 2013.
2 years later Yew Kong Lye has helped us re-finance our home loan which in turn will help us save an extra $2000 every month which in turn will be approximately $24000 a year, something we have been struggling to do for a very long time.
We can’t wait to see what our future brings, thanks heaps for your continued help!!!
I have known Yew Kong for many years and have been very pleased to have him as our Mortgage Broker. My husband and I have recently commenced some investment plans and Yew Kong was invaluable in helping us get the most appropriate and cost effective loans for our investments as well as ensuring our home mortgage was the most suitable for our needs. At all times he was able to provide a wide range of options for us to consider that helped us to achieve our plans. He also ensured that right up to the very end, he supported us through the process so that things always went smoothly. He is very professional, knowledgeable and a pleasure to deal with at all times. I would gladly recommend Yew Kong, and have done so on numerous occasions
I had the good fortune of coming across Yew Kong Lye more than 16 years ago now.
I have always found the 'financing' side of life quite complex and problematic. However, Yew Kong has always been able to make this process simple and has consistently found me the best financial products on the market.
Yew Kong was instrumental in me purchasing a property in a suburb that was destined to reap considerable capital return - his general advice has been incredibly helpful and I will be forever grateful for his wisdom and kindness.
Not only has Yew Kong helped me with my mortgages, he has also been great council to me in other aspects of my life. He is selflessly helpful and an inspiration
He is easy to work with and has demonstrated to me a high level of integrity. I have no hesitation in recommending Yew Kong as the broker you can work easily with and can be fully trusted.