We work for you and not the banks

As your local Mortgage Broker in Caringbah & Miranda, my job is to help you find the right loan for your dream home or investment. I search through thousands of home loans from over 25 lenders (including the big banks) on your behalf to find a loan that suits you best - with a great rate and features. It's like having your own personal advocate, expert & mentor for your property finance.

It means that I work directly for you and not the banks to get you the best outcome on your home loan. 

I do all the hard work for you

Many people start out on the home loan journey completely overwhelmed and unsure about where to start. My job as your local Caringbah Mortgage Broker is to do all the hard work for you, from spending the time finding a selection of home loans that suit your next purchase, through to completing all the paperwork. Not only that, I follow up with the bank on your behalf, answering any questions they have about your application, so you don't have to.

It means that you can spend your time searching for your next home instead of chasing your bank.

Knowing which loan is right for you (and why)

I am passionate about equipping you for a lifetime of better financial decisions. And it all starts with understanding your home loan and feeling informed about your choice of finance. In the first stages of the process, I will chat to you about:

• Your budget, what you could likely borrow and what your repayments might be
• Loan to Value Ratio, Lenders Mortgage Insurance and some of the other technical terms that affect your borrowing capacity
• What you want from your home loan: like an offset account or the ability to make extra repayments
• What interest rates and features are available to you
• Which incentives or grants you could be eligible for
• Where you sit in the lending landscape and answering any questions you might have

My service is no cost to you

As your Mortgage Broker Caringbah & Miranda, my home loan service is no cost as your chosen lender pay us a commission after your loan settles. Different lenders pay different commissions. What sets Mortgage Choice apart from other brokers? 

It's our Paid the Same Philosophy. As a Mortgage Choice broker, I am paid the same rate of commission regardless of the home loan you choose from our wide choice of lenders.

It means that while other brokers may receive different commissions depending on the bank, I receive the same rate no matter which bank you choose. So, you can have peace of mind that we have your best interests in mind when recommending a bank.

The first step with your home loan

Our brand at Mortgage Choice is 27+ years strong - because Australians trust us to find them the right deal. As your local Caringbah & Miranda Mortgage Broker, I can help with your home loan, car loan, investment loan and business finance (plus heaps more). Let me help you make great, informed decisions with your finances. 

As a mobile Mortgage Broker, I can come to you, at a time and place that suits you best. If you prefer, I can also chat to you remotely via phone or video call. 

Take the first step on the home loan journey and call me today on 0400 772 326 or email me on the button below.

 Email Paul to get started

^{Our Mortgage Broker Caringbah & Miranda team service the areas of Gymea, Miranda, Caringbah, Cronulla, Kurnell, Woolooware, Dolans Bay and surrounds.}