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Tim Manuel

Mortgage Broker Balgownie, Fairy Meadow & Wollongong

As your mortgage broker in the Wollongong area, Tim Manuel is passionate about helping you secure the best loan possible.
  • Call Us Mortgage Choice Fairy Meadow
  • Office - 0412 078 230
  • Open Hours Mortgage Choice Fairy Meadow
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment
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Mortgage broker Balgownie, Fairy Meadow, and Wollongong

Tim Manuel, your mortgage broker in the Wollongong area, knows that your home purchase may be the most significant financial decision you make in your life. As such, he is dedicated to using his considerable knowledge and skills to make your financing journey as smooth and seamless as possible. With experience in teaching Mathematics as well as coaching sport, Tim is no stranger to explaining concepts and answering questions - particularly when it comes to crunching the numbers! He can break down even the most complex financial concepts, helping you gain understanding and confidence as you move through your property journey. 

With four active kids and two miniature poodles at home, there’s never a dull moment for Tim! He loves getting outdoors, whether it’s fishing, surfing, or camping, and most weekends you can find him at the North Wollongong Parkrun. An Illawarra local for nearly 30 years, Tim would love to help you on your purchasing journey in this beautiful area. 

Construction loans in the Wollongong area

Building your home can be an exciting opportunity to customise it to your needs and tastes, which may be especially appealing when you can’t find your dream home on the market. When you decide to build a home, or substantially renovate your current home, you’ll need an amazing construction loan to set you off on the right track. Unlike a standard home loan, you will also need to provide approved council plans and other documentation when you apply for a construction loan. But never fear - Tim can help you decipher exactly what you need, and will even complete and submit your application. 

Construction loans also differ from standard loans in their structure. Your loan amount will be progressively ‘drawn down’ to fund each stage of the build - these are generally base, framing, lock-up, fixing and completion. The benefit to this is that you will only pay interest on the money that has been used, instead of the full amount immediately, keeping your initial repayments low. When you’re ready to think about building your home, Tim will guide you through the entire process to ensure you get the right loan for your circumstances. 

Talk to Tim Manuel today about your home loan plans

We can also help with

Fortnightly repayment calculator

Did you know that paying off your mortgage every fortnight instead of every month can actually save you money? It might be more than you think! Find out just how much you could benefit by using our free online calculator tool.

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Calculating your borrowing power

When it comes to buying a property, the ultimate question is just how much you’ll be able to afford. Lenders will determine your borrowing power based on your income and financial commitments such as other debts. From this, you can work out your repayment budget and narrow down your property search into a realistic range. 

Compare interest rates

Your interest rate can have a huge effect on your overall financial health. A lower rate might be able to save you a considerable amount of cash over the length of your loan. Compare how your loan might look with a different interest rate using our handy calculator tool - it’s completely free to use! 

Call Tim Manuel today on 0412 078 230 to start finding your perfect home loan

Moving home checklist

Moving home may feel like a daunting task, but it doesn't have to be. This checklist walks through what to do in the lead up to a big move to make it as seamless and stress-free as possible.

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MC Factsheet 14 Moving House Checklist FA

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