Mortgage Choice Northern Tasmania in Launceston, Tasmania | Mortgage brokers

Mortgage Choice Northern Tasmania

Locality: Launceston, Tasmania

Phone: +61 439 768 781

Address: 16 Brisbane Street 7250 Launceston, TAS, Australia

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25.01.2022 "Buying Your Car Tip # 1" With so many makes and models these days, before buying your car, consider what you’ll be using it for. Is it to transport the kids, to go off-road, long family drives, be economical, safe, sporty or otherwise? These factors, along with your budget, will influence the car that is best for you.

25.01.2022 "Mortgage Myth # 21 If a self-employed applicant can provide all necessary documentation, they can qualify for the same loans as a PAYG person."

25.01.2022 How can a Mortgage Choice broker help you? Explain the costs and steps involved in buying a home Help you secure pre-approval Find out if you're eligible for government incentives and... Support you all the way When you're ready to take the next steps towards home ownership, simply get in touch with your local Mortgage Choice broker.

24.01.2022 Wishing all the dads out there a very Happy Fathers Day!

24.01.2022 With interest rates at record lows, let us do all the work and find you a better deal. Get started: bit.ly/3f46SrI

23.01.2022 "Mortgage Myth # 11 Though lenders do use credit scores to assess what type of loans you are eligible for, there are lenders that specialise in lending money to people with lower credit scores. Often this means paying a higher interest rate, but once your credit score has improved, you are generally eligible to refinance into a lender with a better rate."

21.01.2022 Despite the challenges of getting into the property market, young people are not giving up on the great Australian dream. In times of uncertainty, it is human nature to want stability, and this is what investing in property can provide,’’ said Mortgage Choice Chief Executive Officer Susan Mitchell. Research shows saving money is now rated the highest priority for young people. This is how their behaviour has dramatically shifted since the COVID-19 crisis.

21.01.2022 Still working from home? Its important to have a comfortable working space, so here are some tips to set up your ideal home office. Read now: www.mortgagechoice.com.au//still-working-from-home-4-tips/

20.01.2022 Pack away the wollens - its the last day of winter! Are you ready for the spring property market? Our handy checklist includes everything you need to know. www.mortgagechoice.com.au//get-the-most-out-of-property-i/

20.01.2022 "Mortgage Myth # 16 Some lenders are willing to offer loans to people with as little as a 5% deposit. Generally, a smaller deposit could incur other fees and charges such as lender mortgage insurance (LMI), so its important to assess what youre eligible for based on your timing and your affordability."

20.01.2022 "Budgeting Tip # 8 Whether it's about setting a goal for your deposit or how much you'll knock off the principal of your loan, having realistic goals you can achieve will be far more rewarding than setting lofty, unrealistic goals, particularly if things feel a little tight every so often. Like many things in life, improving your finances is a journey, and it will take effort and focus for you to move in the direction you want to go."

20.01.2022 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

20.01.2022 "Mortgage Myth # 12 Lenders assess the upper limit of your credit card as debt regardless of how much you have owing. So, if you have a $10,000 credit car limit, even though you only spend $500 each month, the $10,000 limit will affect how lenders assess your serviceability - so you might consider lowering the limit on your card to give you more borrowing capacity."

19.01.2022 Not sure if you’re in a position to refinance? That’s not a problem, we can help! We have access to hundreds of loans from a wide choice of lenders, including Australia’s big banks and a selection of specialist lenders. If you would like to book a free Home Loan Health Check, reach out to your local Mortgage Choice broker today!

19.01.2022 "Mortgage Myth # 22 All lenders use a credit reporting system, which is also accessible by you if you visit https://www.mycreditfile.com.au/"

19.01.2022 "Budgeting Tip # 7 Stop comparing yourself to others and aim to be the best version of you. By putting your focus into your family instead of other’s, you’ll not only be happier, you’ll almost certainly see your finances improving for the better, and you'll feel better for it."

16.01.2022 "Mortgage Myth # 17 My clients dont actually pay for my service. I am proud to work in a role where I am only paid by the lender you select after helping you successfully receive your loan. Whats more, I will provide a line by line breakdown of exactly how I am remunerated prior to submitting your loan, which will provide you with full clarity and confidence."

15.01.2022 "Buying Your Car Tip # 8" If you are self-employed or operate a business and you are looking to buy a car, there are several options to help you from full documentation to ‘low doc’ and more. Just like a home loan, it’s important to ensure the finance structure on a vehicle reflects your personal situation. To make things quick and easy for you, contact us so we can walk your thought your options.

15.01.2022 "Mortgage Myth # 25 If you receive an inheritance or other lump sum, though this can help with your deposit, many lenders also like to see evidence of regular savings to give them confidence you can manage money responsibly and therefore pay back the loan. As there are a lot of varying policies when it comes to assessing a deposit, contact us so we can advise who you will qualify with based on where your deposit has come from."

15.01.2022 Savings and a new home? Yes please! Here is a state by state breakdown of Government grants and incentives, which could help you save on the purchase of your first home: https://bit.ly/3jBeBi1

15.01.2022 Building your first home doesnt come without its challenges. Jem and Ai achieved their dream home by working with their Mortgage Choice broker through the purchase and construction process. Your local expert is ready to help you achieve your dream home. mortgagechoice.com.au/restart2020

15.01.2022 Still working from home? Set yourself up for success with these handy tips. https://www.nsw.gov.au//safe-wor/workers/working-from-home

14.01.2022 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

14.01.2022 So youre looking to buy a property, but have you worked out how much stamp duty youll have to pay? It varies from state-to-state and can get quite confusing but weve got a stamp duty calculator to help you out. More info: bit.ly/36wIX0r

14.01.2022 "Mortgage Myth # 24 Lenders must issue an unconditional approval to be sure they will lend you the money. Pre-approved, or pre-qualified, gives you a strong indication of how much you will be able to borrow, and unconditional approval is where the lender has fully assessed and approved your application."

14.01.2022 Have you noticed that Christmas decorations are making their way back out earlier every year? Here are a few tips for keeping on top of cash flow management during the Christmas and New Year holiday period. https://bit.ly/3jAWSaC

13.01.2022 A credit score is just one aspect a lender looks at when it comes to loan approval While it’s important, a lender also takes into consideration credit history, your capacity to pay back a loan, income and expenses, your capital as well as reviewing the property and postcode itself to ensure it’s a secure investment.

13.01.2022 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: mortgagechoice.com.au/peter.reynolds/

13.01.2022 Whats not to love? Our home loan health check means: Well negotiate for you Well find you a better deal Well do all the legwork... www.mortgagechoice.com.au/home/refinancing/mc-loan-checks/

13.01.2022 "Mortgage Myth # 19 As there are 26 fortnights in a year compared to only 12 months, by having fortnightly payments, it will lower interest that accrues for the period while increasing the frequency of payments - which can help to pay your loan off quicker."

12.01.2022 If you’ve had a home loan for a few years now, it is worth getting in touch with your local Mortgage Choice broker to find out if you could save on your home loan. Reach out to your local Mortgage Choice broker today!

11.01.2022 We’ve all heard about it, but what exactly is Lender’s Mortgage Insurance and how much will it cost you? Our experts are here to answer all your questions Read more on LMI here: https://bit.ly/3wU44qb

10.01.2022 Why would you need a loan check? A home loan health check is a smart option if you are: Thinking about topping up your home loan; Coming to the end of a fixed rate term; Looking to reduce or lock in your repayments; planning renovations; or considering buying an investment property.... If you're ready to take action, get in touch with your local Mortgage Choice broker today!

10.01.2022 "Mortgage Myth # 13 Though having a great deposit will reduce the amount you need to borrow, you must be able to demonstrate you can repay the loan, which is why the lender will always take your income into consideration."

10.01.2022 "Expert insights # 8 If your home is unencumbered, it means there is no longer a home loan owing and is free from restrictive covenants and leases."

10.01.2022 "Mortgage Myth # 14 Like any type of loan, if youre considering to refinance, its important to look at the big picture to see if it makes sense. The bigger the loan and the longer the term, the more you stand to save by having a 0.5% cheaper rate."

09.01.2022 If you’re serious about a property for sale, it’s important that you look out for these main things! Damp areas or mould Structural issues (ceilings, window frames or walls) and Look into the council rates & strata fees before you proceed.

09.01.2022 Sarah and Lexs family is saving $1,000 a month, thanks to our simple home loan health check! Find out how we can help you save. Get started: www.mortgagechoice.com.au//how-this-family-saved-1000-a-m/

08.01.2022 "Budgeting Tip # 9 Though it might seem an unusual budgeting tip, savings gained on your loan can put valuable money back into your family budget to offset other expenses. All refinance solutions should take into consideration your full financial situation to ensure it will actually allow you to be better off."

08.01.2022 Not comfortable negotiating your home loan rate? Let our experts do it for you. Well talk to your lender about a better deal. Start now: bit.ly/3f46SrI

08.01.2022 Find the right home loan! Our brokers will take the time to explore your individual circumstances and goals to identify the right loan for your needs. This is different from when you go straight to a bank, where your options are often limited. Speak to your local Mortgage Choice broker today to start the discussion.

07.01.2022 "When should I refinance?" Answer: If youre planning to purchase another property, now might be the best time to refinance. Get in touch with your local broker today. mortgagechoice.com.au/restart2020... #Restart2020 #MortgageMinute

06.01.2022 "Should I bother refinancing?" Answer: If you havent reviewed your home loan in the past two years, then you could be saving more. Get in touch with your local broker today. mortgagechoice.com.au/restart2020... #Restart2020 #MortgageMinute

06.01.2022 To fix or not to fix? Fixed home loan rates are the lowest that weve ever seen - are you getting your share of the savings? Our experts can help you. https://www.mortgagechoice.com.au//04/is-now-the-time-to-/

06.01.2022 Reckon youre stuck with renting? Maybe not! Record low interest rates can make it cheaper to buy. Speak to an expert to help you make the right choice: www.mortgagechoice.com.au//07/is-it-cheaper-to-buy-than-r/

06.01.2022 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 With in-person auctions back for some states, make sure youre prepared for what can be a stressful process. Your local Mortgage Choice broker can help you get auction-ready. Get ready: bit.ly/36xgqrn

05.01.2022 Spring is the perfect time to prepare your outdoor area for the warmer seasons ahead. By enhancing your home’s outdoor area, you can make your place more inviting, enjoyable, and memorable. But where do you begin? Here are a few ideas to get you started https://bit.ly/3mQFGQo

04.01.2022 "Mortgage Myth # 15 Consumers are eligible to refinance a fixed rate loan, though there could be break costs to get out of the fixed rate. These costs must be taken into consideration to determine the most suitable solution for you, which is why it is critical to speak with your broker to determine what option work will work most in your favour."

04.01.2022 "Mortgage Myth # 23 All lending institutions, whether they are banks, building societies or otherwise, must abide by the same consumer credit rules and regulations. We can help you determine the lender or lenders who will provide you a great deal based on your personal situation."

03.01.2022 Is now a good time to purchase a home if youre a first-home buyer? Heres why it could be a window of opportunity for those looking to enter the property market. Find out more: bit.ly/3c9CmKJ

03.01.2022 "Mortgage Myth # 18 Though existing debts could impact how much you are eligible to borrow, some loans allow you to consolidate all your debts into a single, lower rate loan instead of having several loans, some of which have very higher interest rates."

02.01.2022 "Expert insights # 9 Home loans with a fixed interest rate will return (revert) back to a standard variable rate at the end of the fixed period unless you decide to re-fix your loan. The revert rate is typically higher than the standard variable rate you could get from the same lender, which is why when reviewing your lending options, it is important to take a 'long-term' view of your options instead of just a 'for now' view, which might otherwise cost you a lot more in the long-term."

02.01.2022 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

02.01.2022 "Mortgage Myth # 20 A lender will look at your capacity to repay the loan and the loan term. They may also ask for some additional information to be confident the loan will be repaid. If you would like, we can give you an idea of lenders who you might be able to refinance with."

01.01.2022 First home buyers Chloe and Asher saved more than $60,000 to achieve their home goals, with their help of their Mortgage Choice broker. How much could you save? https://www.mortgagechoice.com.au//a-brand-new-home-and-a/

01.01.2022 If you’re in the market for a new home, chances are one of your key questions is ‘How much can I borrow?’ To find out, take a moment and check out our borrowing power calculator here: https://bit.ly/2TuV3S5