Mortgage Choice Michael Cullinan | Finance

Mortgage Choice Michael Cullinan

Phone: +61 447 528 116

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25.01.2022 Your own home sooner! Round 2 of the First Home Loan Deposit Scheme just kicked off. Buy with just a 5% deposit and no lenders mortgage insurance - a BIG saving. Hurry in - only 10,000 places available, secure your spot today. Apply now: bit.ly/2NzGgCy

24.01.2022 Great news for first home buyers - another 10,000 First Home Loan Deposit Scheme (FHLDS) places have just been released as part of the 2020-21 Federal Budget! If you're ready to purchase your first property contact Michael, your local Mortgage Choice broker in Geelong today. 0447 528 116.

24.01.2022 A client of mine wanted to refinance their investment loan to save more on their monthly repayments. They were paying 3.74% with a major bank so we reviewed their options and found a great solution for them. They refinanced their loan to a fixed loan at 2.59% which will save them $15,384 over 3 years. As an added bonus, we were able to reduce their annual fee from $395 to $180.... If youre ready to discuss your refinancing options, please reach out to me today. We are still open for business and we want to support you in any way we can!

24.01.2022 Enjoy spending more time on the things you love most! As your local home loan expert, we have access to hundreds of loans from a wide choice of leading lenders, including Australia’s big banks and a selection of specialist lenders. We're happy to provide a free review of your current home loan. Book a free review of your Home Loan with us and see how much you could potentially save. Call 0447 528 116.

23.01.2022 The Reserve Bank of Australia has decided to keep the official cash rate on hold at 0.25% during their meeting today! If you would like to discuss your current financial situation, please dont hesitate to get in contact with us. Right now, a home loan health check could provide huge benefits, including; Securing a lower interest rate... Save on interest repayments or Consolidate your debts See more

22.01.2022 Dealer finance can seem quick and easy. But it could see you pay a lot more for your new ride. To find out what you’re really paying, check out our latest blog: https://bit.ly/3nxJeah

22.01.2022 One of the main reasons homeowners consider refinancing is to secure a lower interest rate on their home loan! If this is something youve been thinking of or if you would like to find out more about it, simply reach out to Michael on 0447 528 116. We are still taking appointments via video call or phone.

21.01.2022 Are you planning to purchase a new car soon? With our help, we can help you secure the right car loan for your needs. If youre ready to start the process simply get in touch with Michael on 0447 528 116. You can also visit us here https://bit.ly/31pqfWu for more information.

21.01.2022 We know that getting a home loan can seem complex, even if youve bought property before. But we are here to help you break it down! Check out our short video on the most common steps from application to settlement.

21.01.2022 Find out how much you can borrow in just a couple of minutes! Our home loan calculators will help you determine what your borrowing capacity is, so you can have confidence when it comes time to finding the perfect home. Try our home loan calculator here https://bit.ly/3haUtCH

20.01.2022 We are ready to get started on the next stage of your finance & property journey. Whether youre a first home buyer or planning your financial future - we want to help! Give Michael a call on 0447 528 116 to discuss your financial situation or visit us here: https://bit.ly/35ebzwG

19.01.2022 Purchasing your first home is a big step and one you wont have to do alone! With our help, well ensure youre given the best loan options that meet and suit your financial situation. Give us a call on 0447 528 116 or visit us here https://bit.ly/30wNe2o.

18.01.2022 What is a reverse mortgage? Well, a reverse mortgage is a type of loan that may allow you to use the existing equity in your home to act as security for a new loan, rather than relying on a regular income stream. It may sound complicated, but thats where our service comes in. We will make sure you understand every step of the way!... Find out more here: https://bit.ly/33xsLMR.

18.01.2022 When should you get a home loan health check? If you haven't reviewed your loan in the past 2 years If your interest rate starts with a 3 If your family has grown since getting the loan... If you need to renovate or plan to renovate the house If you want to use the equity to invest If you want to save MORE on your monthly home loan repayments. If any of the above fit your situation, then please reach out to Mortgage Choice Geelong today, or find out more here: https://bit.ly/34VNE55.

18.01.2022 Are you thinking about buying a new car this year? Did you know I can help you with: Car loan pre-approval Car loan refinancing Self-employed car loans... Feel free to send me a message or call me on 0447 528 116 to discuss your options.

18.01.2022 Purchasing a property is probably the biggest and most expensive decision youll ever make. Make the most of a property inspection by ticking off this checklist. More info: bit.ly/2TDhmVX

17.01.2022 The new HomeBuilder scheme for a $25,000 grant could be just what you need to kickstart that big reno project. Chat to us about all of the fine print. Get started: bit.ly/2U9ReCD

17.01.2022 Find out how much you can borrow in just a couple of minutes! Our home loan calculators can help you find out what your borrowing capacity is, so you can have confidence when it comes time to finding the perfect home. Try our home loan calculator here - https://bit.ly/3haUtCH

17.01.2022 Despite COVID restrictions in Victoria moving to stage 4 & 3, I am still open for business, and despite social distancing and compulsory masks, I can still assist via phone, zoom, google meets, DocuSign. If you would like to discuss your situation, please get in contact with me. Call me on 0447 528 116 to book an appointment.

17.01.2022 With the current pandemic, we understand how tight finances might be. With our help, we can guide you through the journey and provide any support you may require. We are still open for business and we want to support you in any way we can! Right now we are conducting our appointments over: Phone and Video Call... Book an appointment to discuss your situation this week. 0447 528 116

16.01.2022 Ready to invest in property? Michael will search through our wide range of loans to find you the right one, complete the paperwork and submit to the lender on your behalf - all at no cost to you! Book your obligation-free appointment with Michael today on 0447 528 116. https://bit.ly/2C53PB3.

16.01.2022 Have you been thinking about getting a personal loan? Check out our recent blog which outlines the pros and cons of obtaining one https://bit.ly/30yIBFa . #personlloan #business #home #family #budget

16.01.2022 Weve helped thousands of people save on their home loans in the past few months, and its as easy as completing a simple home loan health check. Get started: bit.ly/3f46SrI

15.01.2022 What are the pros & cons of a fixed interest rate? Pros: Makes budgeting easier as you know what your repayments will be. Fewer loan features could cost you less.... Cons: You wont get the benefit if interest rates go down. It may cost more to switch loans later if youre charged a break fee. If you want to find out if a fixed interest rate is the right move for you - then give me a call on 0447 528 116. Id love to help you!

14.01.2022 We love this transformation by @threebirdsrenovations. If youre in need of some home inspiration, make sure you check out their page.

14.01.2022 Seek Pre-Approval first! Pre-approval will give you a good idea of what you can afford, which means you won't look at properties that are outside your budget. As your local Mortgage Choice broker, we can help you gain pre-approval by comparing hundreds of home loan options from a variety of lenders. Get in touch with us today!

12.01.2022 Are you thinking about buying a new car but don't know the first thing about your finance options? We can help you through the car-buying journey! We can help you with: Car loan pre-approval... Car loan refinancing Novated Leasing Self-employed car loans Hire purchase To start the process, reach out to our team today on 0447 528 116 or visit https://bit.ly/31pqfWu.

11.01.2022 Find out how much you could save by refinancing! To work out what your monthly repayments might be and how much you could save by refinancing, you can use our home loan repayment calculator. Check out our calculators here https://bit.ly/3haUtCH

11.01.2022 If youve owned your home for a few years, theres a good chance you have built up reasonable equity; which can be a valuable resource when it comes to property investment. To understand how you can use your equity to invest, visit our website here https://bit.ly/2C53PB3 or give Michael a call on 0447 528 116 to discuss your situation further.

11.01.2022 Are you confused about how the home loan process works? To help, we have created a short video which outlines each step for the home loan process! If you have any questions, feel free to get in contact with me directly - 0447 528 116.

10.01.2022 Thanks so much for taking the time to leave a review, Joe, Holly, Nige & Marni! We're more than happy to hear you were pleased with our services and the outcome!

10.01.2022 We have had a lot of enquiries recently from clients who are looking to refinance their current home loan. With the cash rate at 0.25%, the best home loan rates now start with a two. If yours doesnt, it might be time to go home loan shopping. We know it can be time-consuming and complicated switching home loans, but were here to take the stress away! Simply reach out to our team on 0447 528 116 for a home loan health check this week.... https://bit.ly/3fCdddS

09.01.2022 Why should you consider refinancing? A few of reasons include: To secure a lower interest rate Switch to a different lender Consolidate debts or to ... Access equity in your current home If you would like to explore this option, then please reach out to Michael to discuss if its the right move for you or visit our website https://bit.ly/3gQEUjo to find out more.

09.01.2022 Purchasing a property may seem overwhelming; however, with the right help, it can be a lot easier than you think. Download our free e-guide to property ownership. In this property guide, we simplify the process into simple steps! Check it out here. https://bit.ly/39Bc1oQ

08.01.2022 Providing a service is one thing, but building a relationship is something completely different! As your local mortgage broker in Geelong & Bellarine, our aim is to make the home loan process as easy as possible for you. If you're ready to discuss your home loan needs, give Michael a call on 0447 528 116.

08.01.2022 With interest rates at record lows, a simple home loan check could mean a better deal for you. Let us do all the work for you. Get in touch: bit.ly/3f46SrI

08.01.2022 Its World Blood Donor Day - donating blood is one of the most generous things you can do for another person and Australia needs 29,000 donations each week. Do your bit: donateblood.com.au : Australian Red Cross Lifeblood

06.01.2022 One of the best things about our home loan service is that it is no cost to our customer, as your chosen lender pays us a commission after your loan settles. Plus, as Mortgage Choice brokers, were paid the same commission, regardless of the home loan you choose from our wide choice of lenders. That means were focused on the right outcome for you and not for us.

06.01.2022 COVID-19 has not impacted our ability to help you find the right home loan for your needs! We want to support you in any way we can during this time and we are fortunate enough that we can conduct our appointments over the phone and of course video calls. To arrange a meeting, simply give me a call on 0447 528 116.

05.01.2022 Are you planning to purchase a property? Do some quick sums with our home loan repayment calculator here- https://bit.ly/3haUtCH When youre ready to get started, talk to Michael, your local Mortgage Choice broker on 0447 528 116.

05.01.2022 Articles such as "Pandemic drains FHB deposit savings" is confirmation that many people are doing it tough. But for those of you that have maintained full-time employment, and have squirrelled away 5% savings, the opportunities have never been greater. You could be eligible for $20K FHOG, savings on stamp duty, plus avoid LMI costs by accessing the FHLDS. Plus if you are building you also be eligible to apply for the Homebuilder Grant. For example, I had a First Home applicat...ion approved this week for a single mum with 2 children, these schemes combined, equated to savings & cash injections of $65,000. Combined land & house purchase was $535,000. This was all achieved with only $10k savings for the deposit. Give me a call if you want to test your eligibility. Michael - 0447528116 https://www.theadviser.com.au//40707-pandemic-drains-fhb-d

05.01.2022 Own your first home with just a 5% deposit! Get in quick with the First Home Loan Deposit Scheme. Get in touch with our team today to secure your place in the Scheme. Find out more info here: https://bit.ly/2GEAa3I

04.01.2022 Has there ever been a better time to buy your first home? Low rates, plenty of cash grants and the new $25,000 HomeBuilder scheme. Its the perfect combo to get into a place of your own sooner. Learn more: bit.ly/2U9ReCD

04.01.2022 First home buyers get in quick! The next round of the First Home Loan Deposit Scheme starts 1 July. Only 10,000 places up for grabs - dont miss your chance. PM us to start planning. Speak to an expert: bit.ly/3cb4X25

04.01.2022 RBA Breaking news - the cash rate remains at 0.10% for another month. To start the month off the right way, book a chat with Michael from Mortgage Choice Torquay to find out if your home loan is still competitive and suitable for your needs. Call Michael this week!

03.01.2022 Happy Mother's Day! May your day be as wonderful as you are!

03.01.2022 Planning to treat your family to a holiday? At Mortgage Choice Geelong, we understand there are special times in life when you could use a little extra cash for things like planning a well-deserved holiday, completing some home renovations or giving the kids a high-quality education. As your local broker, we do all the legwork by comparing multiple products from a range of lenders so that we track down competitively priced personal loans that let you achieve your goals. Book an appointment with Michael this week to discuss how we can assist you! 0447 528 116.

02.01.2022 To become mortgage-free as early as possible, remember that a little bit goes a very long way. Your local Mortgage Choice broker can help you achieve your goals. More info: bit.ly/2ZDpSbh

01.01.2022 COVID-19 has not impacted our ability to help you find the right home loan for your needs! Reach out to our team this week to discuss your needs. We want to support you in any way we can during this time and we are fortunate enough that we can conduct our appointments over the phone and of course video calls. Call our office on 0447 528 116 to book an appointment.

01.01.2022 Have you heard the news? Victorian buyers are set to score a 50% discount on stamp duty! This is big news for anyone who has been saving up a deposit and is ready to purchase a property in 2021. Find out how it works here: https://bit.ly/3q70OVh

01.01.2022 If youre considering to refinance your home loan, its important to do your research to ensure youre making the right decision. To help you decide if the time is right for you to move on from your current lender, simply get in contact with our team. We will guide you through every step of the way!