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Choosing the right loan for your situation is half the battle, so what is it you want to do and how can we help?

Need Help With Your First Home Loan?

Buying your first home is an important step - and if you make the right decisions it can help form the foundation on which to build assets for life. Tthe right decision doesn't only mean finding the right property - it involves choosing the right type of loan from the best lender too.
If you're a first home buyer, you'll typically need to borrow a higher percentage of the valuation of your property. This can involve extra costs such as mortgage insurance. As a first home buyer you may also qualify for government grants and other state and national incentives that may be available from time to time. What is a first home buyers grant?
The federal goverment introduced the First Home Owner Grant in 2000 to facilitate buying first homes. The grant is not means-tested and consists of a one-off, tax-free payment of $7,000.
Your Choice Mortgage Consultant is an expert at helping their customers decide which loan is the best for their situation, making sure you receive all the benefits for which you qualify and keeping the costs to a minimum.

Ready to Buy Your Next Home Investment?

When you've been through the process of buying a home (or two or three...) before, it's not as scary - but can still be stressful. Since you last purchased a home your situation may have changed and you may now be a more astute property purchaser.
Your current property may have appreciated in value, thus decreasing the percentage of the valuation of the property that you need to borrow.
You have become an attractive client to a lender, you'll have a stable track record of making regular repayments, you are no longer a high risk borrower. These factors will help you find a much better deal.
This is where the knowledge and experience of your Choice Mortgage Consultants can be invaluable. They'll help you decide which loan is the best for your situation, making sure you receive all the benefits of the loan of your choice.

Sell Your Home with Greater Ease!

You may wonder how a home loan company like ours can help you sell your home - the answer is by giving you more flexibility with time and perhaps money.
Most people selling a home are also buying or building another home - and that's where we come in. We can help you get a loan for your next home before you've sold the first one (some conditions may apply - ask your Consultant for details).
This means that if you've found the right property to buy, or you want to start building, you can do it straight away. Then, you have the time to go through a proper sale process and ensure you get the best price for your existing home. Sounds good doesn't it? It can be, but like many things in life, it can also have risks.
This is where the knowledge and experience of your Choice Mortgage Consultant can be invaluable. They'll explain all your options and the advantages and risks associated with each. Then they'll ensure you get the full benefits from the loan of your choice.

Build Your New Home or Investment Property

Whether you're building a new home for your family or an investment property, the whole process is often stressful and demanding - the last thing you need to worry about is your finance.
Choosing the right loan can save you worry and money, but it can be a reasonably complex process as there is a wide choice of loans available.
Which loan is the most appropriate for you, depends on a range of factors, including your overall financial position, the equity you will have in the finished property, your timeframe and whether you are selling another property, as part of the whole process.
This is where the knowledge and experience of your Choice Mortgage Consultants can be invaluable. They'll look at your total situation and work with you to explain all your options and the advantages and risks associated with each. Then they'll ensure you get the full benefits from the loan of your choice.

Home Improvements, Extensions & Renovations

Sometimes the costs associated with selling and buying a new home (agent's fees and stamp duty) can be out of proportion to the benefits you gain. That's when it makes sound financial sense to look at renovating or extending your home. In some cases home owners can do it for around the same as the buying and selling costs for a new home.
When it comes to financing your renovations there are a range of options available. Which one is the most appropriate for you depends on your individual circumstances and factors such as how much equity you have in your home, any current loans, your overall financial situation and your timeframe. Working through all the options and taking everything into account can be reasonably complex.
This is where the knowledge and experience of your Choice Mortgage Consultants can be invaluable. They'll look at your total situation and work with you to explain all your options and the advantages and risks associated with each. Then they'll ensure you get the full benefits from the loan of your choice.

 

Want to Buy a Holiday House or Farm?

Have you been dreaming of getting away at weekends to a place by the beach - or maybe it's the thought of waking up in crisp, clear country air?
Whatever your idea of a getaway property is, we can help you make it happen. But, while finding the right place to buy might be simple, choosing the right loan may not be as easy.
When it comes to financing your holiday house there are a range of options available. Which one is the most appropriate for you depends on your individual circumstances and factors such as how much equity you have in your current home, any current loans, your overall financial situation and your timeframe.
This is where the knowledge and experience of your Choice Mortgage Consultants can be invaluable. They'll look at your total situation and work with you to explain all your options and the advantages and risks associated with each. Ensuring you get the full benefits from the loan of your choice.

 

Home Loans for Investment Property

Whether you're a first time property investor, or looking to add another property to your portfolio, there is a wide choice of loans available.
Choosing the right loan can have a direct effect on the success of your investment. The wrong loan can be inflexible, unnecessarily expensive and inappropriate for your needs.
This is where the knowledge and experience of your Choice Mortgage Consultants can be invaluable. They'll look at your total situation and identify areas in which you can potentially save money by simplifying loan structures and maximising the use of assets. Did you know that by using the equity in your home, banks can finance up to 110% of the value of an investment property depending on your home value?
Our consultants will work with you to explain all your options and the advantages and risks associated with each. Ensuring you get the full benefits from the loan of your choice.

How to Best Consolidate Your Debts & Loans

Statistics show that Australian household debt is at record levels. And many people are paying more interest than they need to on their debt. This means that it can be difficult, cost a lot more and take a lot longer to reduce the amount owing.
If you have debts - especially those with very high interest rates such as credit cards or personal loans - it can be a very wise move to consolidate them into one loan at a lower overall interest rate.
This has the twin benefit of saving you money and making it easier to track (and control) how much you owe.
When it comes to consolidating your debts there are a range of options available. Which one is the most appropriate for you depends on your individual circumstances and factors such as how much equity you have in your current home, the nature and number of your debts, your overall financial situation and your timeframe.
Working through all the options and taking everything into account can be reasonably complex, but very rewarding.
This is where the knowledge and experience of your Choice Mortgage Consultants can be invaluable. They'll look at your total situation and work with you to explain all your options and the advantages and risks associated with each. Ensuring you get the full benefits from the loan of your choice.

Refinancing Home Loans & Mortgages

It's not uncommon for people to be paying more interest than they need to for their home or investment property loan.
Sometimes it's because their circumstances have changed, other times it may be there are much better deals available now than when they first got their loan.
So, if you think you might be in that position, it's worth checking with us to see what options may be on offer.
It's worth remembering though, that there may be costs involved in paying out your existing loan and establishing a new one, so all the figures have to be carefully checked.
Discover more about your options and how we can help you by clicking on the links below.
What ever your situation, using our experience and knowledge we can help you work out the best choice.

Reverse Mortgage Home Loans

As governments put more responsibility on individuals to fund their own retirement, many people find that their Superannuation and other income sources such as the pension don't provide enough money to support the lifestyle they want. An obvious option is to sell their biggest asset - their home, but they may still want to live in it.
This is where a reverse mortgage may provide the answer. A reverse mortgage is available to residential property owners over 60. It allows you to release funds using the equity in your home. You can use these funds as an income stream or for personal lifestyle needs like travel, home improvements etc.
Like a traditional mortgage there's interest to pay, but you don't have to make monthly repayments. The interest is capitalised, which means it's added to the amount of the loan.
When your home is eventually sold you'll pay back the amount of the loan (the cash you received) plus the interest owing.
There are a range of reverse mortgage options available. Which one is the most appropriate for you depends on your individual circumstances and other factors.
This is where the knowledge and experience of your Choice Mortgage Consultants can be invaluable. They'll look at your total situation and work with you to explain all your options and the advantages and risks associated with each. Ensuring you get the full benefits from the loan of your choice.

Commercial Finance & Business Loans

In addition to home loans your Choice Mortgage Consultants also provide a full range of business and commercial property finance options.
The most appropriate option for you depends on your individual circumstances and factors including the nature of your business, any other debts your business may have have, its overall financial situation, the reason for the loan and your timeframe.
With access to a wide range of both Bank and Non Bank lenders, your Choice Mortgage consultant can assist you in finding the best finance solution for your business or commercial investment.