Buying a home in Kingsley – it’s about more than just the right place

July 13, 2016
Shae Aiello

If you’re buying a home in Kingsley or across the City of Wanneroo, chances are you’re investing time selecting the right property. But Kingsley home loan expert Tim Kerin explains another side to a home purchase that buyers also need to get right. Call Tim on 0403 883 850 for tailored advice or read on to learn more.

It’s no secret that buying property in Kingsley is a major step, and you’re probably wearing out plenty of shoe leather checking out open home inspections to find your dream place. With Kingsley median house values currently at $608,000 – down from $613,000 a year ago, we are certainly seeing some good deals in the area. 

However buying a Kingsley home goes hand in hand with another major commitment – taking out a home loan.

Your loan should be as comfortable as your new home

Just as your new home should meet your needs, it’s important to ensure your home loan is the right fit for you, your budget and your lifestyle.

The problem is, researching the home loan market is no easy task. With hundreds of mortgages available it can be tempting to toss it all in the ‘too hard’ basket and simply approach your regular bank.

That’s where my team of Kingsley home loan experts can help. In fact, we’ve been supporting local home buyers fund their home purchase for over 15 years. 

Understand how much you can borrow

Our first step is always to discuss your needs and circumstances. From here, we can give you a firm figure of your borrowing capacity – it’s vital information helping you shortlist homes you can comfortably afford.

When it comes to pinpointing the loan that is right for your needs, our specialist software allows us to sort through our extensive panel of lenders in a matter of minutes.

Importantly though, we recognise that it’s not all about the rate.

Loan features can be the key to long term savings

As I often explain to my Kingsley home loan customers, a very low rate can disguise a raft of fees that quickly bump up the cost of a loan. Features matter too because these don’t just make your loan easier to live with, they can also provide long term savings to help you pay off the loan sooner.

As a guide, first home buyers in Kingsley sometimes feel they don’t have sufficient cash to make extra repayments straight away. That’s where an offset loan can help, as every dollar of spare cash goes to work helping you become mortgage-free sooner.

We liaise with lenders on your behalf

With our local experience spanning 15 years, not only do we have an in-depth understanding of the local property market. The team at Mortgage Choice in Kingsley also work closely with lenders. So we are well placed to negotiate on your behalf, and in addition to assisting with your loan application, we’ll continue to liaise with your chosen lender all the way to settlement.

As testimony to our level of service and commitment, many of our customers who started with us as first home buyers, are returning for to enlist our support buying a second or third home in Kingsley and throughout the City of Wanneroo.

For a firsthand view of what our customers say, take a look at how we recently helped Julia achieve her property goals.

To get the home loan side of your property purchase right, call me – Tim Kerin, at Mortgage Choice in Kingsley, on 0403 883 850 or 08 9309 4780. Or email me at with any queries you may have.


Here are some of our informative blogs you may be interested in checking out:
Is Negative Gearing a good idea?
Offset Accounts and how to master them
First Home Owner Grant changes - how do they affect me?
Buy where you can afford, rent where you want to live...
How do I calculate my home loan repayment?
How is a mortgage broker paid?

Posted in: Home loans

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