David Thurmond - Mortgage Choice Berwick

If you’re a business owner considering your finance options for a commercial vehicle, we can help.

With access to a range of loan options across more than 25 lenders, we can find a loan that suits your business structure, cash-flow requirements and tax considerations.

Talk to us today to learn more.

If you’re paying off your home loan in monthly repayments, there could be an opportunity for you to save both money and time on your loan if you switch to fortnightly repayments.

By making 26 fortnightly repayments instead of 12 monthly repayments, you’re essentially making one additional monthly payment off your loan each year. As a result, you could be shortening the life of your loan and lowering the total amount you need to pay.

If you’d like to know more about your loan repayments, reach out today.

People working in certain professions and earning over the income threshold may be exempt from paying Lenders Mortgage Insurance (LMI).

Lenders can waive LMI for specific professionals because they're considered low-risk borrowers due to their high income and stable profession - even with a high loan-to-value ratio (LVR).

Speak to us today to learn if you’re eligible for an LMI exemption or potential discount.

To all the extraordinary mothers, carers and guardians out there this Mother’s Day, we wish you a day filled with love, laughter and relaxation 💐

Saving for a deposit is one of the hardest parts of buying a home – especially when property prices and the cost of living keep rising.

The Australian Government introduced the Home Guarantee Scheme to help low-to-middle income earners get into their own home sooner.

People who are eligible to participate in the Scheme can use a lower-than-usual deposit without paying Lenders Mortgage Insurance (LMI). Borrowers generally pay LMI if they’re borrowing more than 80% of the property purchase price.

Curious to know if you’re eligible? Reach out to us today.

This ANZAC Day, we remember and thank all those who have sacrificed so much for our freedom and country.

We will remember them.

Understanding how much you can borrow is an important step in your home buying journey.

To make sure you're maximising your borrowing capacity, here are five things to consider.

If you’d like more guidance on your home buying journey, contact us today.

However you choose to celebrate this Easter long weekend, we wish you all the best!

When choosing your home loan, there are two main repayment options to consider; principal and interest or interest only.

Principal and Interest repayments (P&I) ➡ You repay a portion of the total amount owed plus interest each month.

Interest-only repayments ➡ As the name suggests, only the interest charged against the principal is repaid during a specific period of the loan.

So repayments are lower than with a P&I loan. However, at the end of the interest-only period, you must make principal and interest repayments for the rest of the loan term.

Talk to us today to learn more.

The Adviser interviewed David Thurmond earlier this week and asked for his thoughts on how borrowers are faring with mortgage arrears. Read our thoughts via the link below.

www.theadviser.com.au

This year’s International Women’s Day theme is ‘Count Her In’, exploring the many ways that women’s economic empowerment is central to a gender equal world. We live these principles all-year-round at Mortgage Choice.

💜 We're proud to support women to achieve economic empowerment through financial education and home ownership. We're also proud to have our Aspire program, which supports women brokers in our network to take the next step in their careers and is taking action to address the gender imbalance in our industry.

We’re firm believers that when women are given equal opportunities to earn, learn and lead, entire communities thrive, and we will continue to work hard to ensure we’re ‘Counting Her In’ in more ways each year.

We're giving two lucky winners the chance to win $25,000 each. You will automatically go into the draw when you apply for a home loan with Mortgage Choice.

Find out more and view full terms & conditions here -

When your fixed rate is nearing its end, you have a few options:
1. Re-fix
2. Switch to a variable rate
3. Refinance with a new lender.

Each option comes with it’s own benefits and risks.

We can guide you every step of the way and find the best option for you. Chat to us today.

Wishing Karley a very happy birthday!!

From us to you, Happy Lunar New Year!

If you’re in the market for a new car and curious about which car loan will best suit your needs, we can help.

We’ll review products from more than 35 lenders and guide you through the application process to help you find a competitive rate and hassle-free finance.

Book a time with us today!

🔗 https://bit.ly/3NhZIjG

Having access to thousands of home loan options means:

✅ You have access to more options to help find a competitive interest rate.
✅ You can select the features that are right for your circumstances.
✅ You can be confident you’re making an informed choice.

Book a time with us today!

🔗 https://bit.ly/3NhZIjG

If you’re planning to buy your first home in 2024, we can help.

At Mortgage Choice, we’ve been helping first home buyers make their property dreams a reality for more than 30 years.

We’ll be with you every step of the way, so book an appointment today to get started!

🔗 https://bit.ly/3NhZIjG

Here are some tips to ensure your day of open inspections is stress free and successful.

1. Create an itinerary:
Having a detailed plan of all the open houses you want to attend, including the locations and times, will help make your day run smoothly.

2. Come prepared:
Pack a bag with a fully charged mobile phone for taking photos and videos, a tape measure to check dimensions, and a notebook to jot down notes (e.g. any issues with a property).

3. Bring snacks:
Make sure you have enough food and plenty of water on hand to keep yourself nourished. This will save you the stress of tracking down places to eat while on the go.

Here are 3 ways we can help save you time and money in 2024:

1. With access to more than 35 lenders, we can find you the loan product that’s right for you.

2. We’ll conduct a review of your existing home loan to make sure it’s still working for you.

3. Finding the right home loan comes at no cost to you. We are paid by the lender once your loan settles.

To find out more, book a time with us today!

🔗 https://bit.ly/3NhZIjG

May you and your loved ones have a safe and happy New Year ✨

The new year is just around the corner! This year we saw a resilient property market, with housing prices remaining strong despite ongoing economic uncertainty.

With 2024 coming up, share your new year resolutions in the comments below 👇

December's best deals from our panel of lenders.

To discuss your home loan options, please book a time with us below:

👉 https://bit.ly/3NhZIjG

Wishing you and your loved ones a Merry Christmas, from all of us here at Mortgage Choice Berwick 🎄

Understanding what buyers are looking for in property can be helpful when it comes time to sell your home.

Some of the most desirable features of a property include a swimming pool, a garage, air conditioning and a work-from-home space.

To find out what buyers are looking for in your suburb, use our keyword search tool here:

🔗 https://bit.ly/3RecDbw

You’ve done your research on what you can borrow and buy, but now you want to know how long it would take to pay off your mortgage.

Our mortgage repayments calculator will give you a great idea!

🔗 https://bit.ly/3QXclpD

There are great benefits in refinancing your home loan, such as getting a better interest rate or more home loan features. You just need to weigh up the different expenses involved.

So it's important to take the time needed to review and compare your home loan against other lenders. Which is where we can help!

Book a time to speak with us today!

👉 https://bit.ly/3NhZIjG

Snaps from our Christmas party last Friday 📷
Celebrating the end of year in style! 🎉

PropTrack economic research director Cameron Kusher gives his PropTrack Property Market Outlook for December 2023.

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PropTrack Property Market Outlook: December 2023 - Mortgage Choice December 11, 2023 by Cameron KusherThe strength and pace of Australia’s market rebound despite surging interest rates surprised many this year. At the start of 2023, we forecast that national home prices would fall. In November 2023, home prices had increased by 5.5% year-to-date. This is despite ...