Want a Mortgage Broker in Fremantle, WA 6160? You've come to the right place
Total Choice Home Loans is a reputed multi-year award winning boutique brokerage with 20 years of service from the HQ in Norfolk Street, Fremantle, WA 6160. Total Choice is dedicated to helping locals and prospective homebuyers access a variety of loan options from banks and lenders across Australia. We have an intimate knowledge of the local market, working closely with the local real estate agents, settlement agents and buyers’ agents. We also enjoy the local cafes and restaurants! So whether you choose your coffee at Good Things Café, Blend Café or Port City Roasters, you can be assured we know the area like you. We can provide a much more detailed and comprehensive service offering working and living local to you. We will partner with you to provide solutions that are in your best interests, not the banks or ours.
Our expertise spans all aspects of credit advice, from First Home Buyers, upgraders looking at bridging finance on the next home, to investors and refinancing, commercial property and more, ensuring you find the right solution that suits your financial situation and goals.
Understanding your borrowing capacity is essential when you're considering buying a home. We help you determine the right loan amount based on your unique financial circumstances, considering your income, debits, and credit history. By choosing Total Choice Home Loans, you can explore a range of loan options including variable interest rates and fixed interest rate loans. Each type of loan has its own benefits; for example, variable loan rates may offer more flexibility, while fixed interest rates provide predictability in repayments. Our team is skilled at calculating loan repayments to ensure you understand your commitments clearly.
Applying for a loan can seem daunting, but our streamlined application process makes it straightforward and hassle-free. Essential elements such as bank statements, credit history, and the Loan to Value Ratio (LVR) are meticulously reviewed to ensure you receive the best possible interest rate. We also provide guidance on interest rate discounts and understanding lenders mortgage insurance (LMI), which can be a crucial factor for those with a lower deposit. Our comprehensive service ensures that every aspect of the loan application is handled with care, allowing you to focus on your dream of home ownership.
A critical component of buying a home is getting pre-approved for a loan. This not only confirms your borrowing capacity but also strengthens your position when negotiating with sellers. Total Choice Home Loans helps with loan pre-approval, allowing you to confidently apply for a loan that meets your requirements. Furthermore, if you’re considering an investment loan, our experts can guide you through the specifics, including the potential tax advantages and how an offset account can benefit you. For those interested in how home equity might improve financial flexibility, we are ready to discuss options that align with your long-term plans.
Buying a home in Fremantle also involves understanding additional costs like stamp duty. Our local knowledge allows us to provide valuable insights into these expenses, ensuring there are no surprises down the road. We work closely with you to explore every opportunity, optimising both your home loan choice and financial outcome. By partnering with us, you'll not only gain access to competitive loan rates, but also receive personalised advice tailored to the Fremantle area.
Total Choice Home Loans is committed to helping you achieve your property goals in Fremantle. Whether you're just starting your journey or looking to expand your investment portfolio, our expert team is here to support you every step of the way. Contact us today to learn more about how we can assist with your mortgage needs and take the first step towards turning your property dreams into reality. Let us make your home loan journey as smooth and successful as possible.