The right partner can help you make the most of your home loan
Property is one of the biggest purchases you’ll make in your lifetime, and one of the most complicated. You need the right partner to offer invaluable knowledge and insight.
As you move through various stages of life - from starting your first job, getting married and starting a family, to farewelling your kids from the family home - we’ll partner with you for life to help you make the most of your home loans.
If your salary increases or you get a financial windfall, we’ll help you make the most of your change in circumstance. And if your situation changes for the worst and you find yourself facing financial difficulty, we’ll be with you all the way.
At Choice Home Loans, we’ll ensure you find the loan that’s right for you, and help you keep on track with your long-term goals. We keep up-to-date with the latest industry trends and purchase processes so you stay informed. And as you grow your property portfolio or decide to refinance in future, we’ll be here to help.
With an extensive network of over 150 brokers across Australia, you’re sure to find someone near to you. And your local Choice Home Loans broker is happy to come to you, at a time and place that suits.
How to get great advice
Come with questions
One of the advantages of going to a mortgage broker rather than a bank is that they are experienced at dealing with many different mortgage lenders, and can give you a broader idea of the type of products you should consider in your personal financial situation. Use your time with your broker to benefit from that experience, and see if they really know their stuff about the market.
Credentials are key
Checking that your mortgage broker is certified with industry bodies is another way to make sure they have the experience and recognition to back up the advice they’re giving you. Mortgage brokers should be licensed by ASIC or be a representative of a licensee as well as being a member of a dispute resolution body like the Credit Ombudsman service. Membership of the Mortgage and Finance Association of Australia (MFAA) is also beneficial, as the MFAA has strict standards and provides you with an additional complaints tribunal.
Check your prices
Good brokers often have access to special interest rate deals on home loans, with lenders that they do not give out to their direct customers. But it’s still a good idea to check against the banks’ advertised rates, then go back to your broker and discuss if you find any discrepancies. If by chance their rate is not as competitive, they may be able to negotiate the interest rate with their lender directly.
Service doesn’t end at settlement
A quality broker will want to retain you as a customer even after you have signed up to your new home loan. Your broker will continue earning a trailing commission on your loan during the loan term, so will be available if your require any assistance or advice in future for debt management or even refinancing, if your financial circumstances change over that time.
When it comes to quality, expert advice, you can always trust Choice Home Loans mortgage brokers to deliver. Fully accredited and backed by a strong program of in-house professional development and training, Choice brokers can confidently advise you on a range of competitive loans that will meet your needs, based on your financial circumstances.
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