Do you want to quickly and
easily find out how you much you can borrow
for your first home?

Let John help you find out EXACTLY how much you can borrow
and what your monthly repayments will be.
John has helped thousands of people over many years achieve their dream
of buying their first home. He can help you too!

Buying your first home can be a daunting task. There are so many unknowns and with all the changes taking place at the moment it is hard for many people to know exactly what they are entitled to.

That’s where John will help you!
John will work with you and put all of your figures together and then work out which of over 20 lenders available to Mortgage Choice, suits you the best.

Did you know that one of the most important things you need before you start looking for your first home is a pre-approval? Why is a pre-approval so important? Well, it lets you know your borrowing capacity. This means you can go and make an offer on your dream home knowing that you can comfortably afford it.

John makes sure that your application meets all of the lender requirements. THE WORST thing you can do is “STUFF UP” your application and end up having your loan declined simply because you have your finance structure wrong or you made a simple mistake! John has seen this all too often.

So, the best advice John can give you is SEE HIM FIRST.
More than 50% of Australian’s now use a broker like John.

People have really wised up to how valuable a broker is to their loan process and success.
John has saved so many people thousands of dollars and a heap of stress.

 

 

Did you know that Mortgage Choice has over
20 lenders for you to choose from?




“We purchased our first home and to say it was a daunting experience is an understatement. “

It was a very confusing time for us, we had no idea how much deposit we needed or how much we could borrow. John was able to show us exactly what it would take to buy our first home. We would never of worked this out without the support of John, from Mortgage Choice. He made everything clear and his service and knowledge of the industry was really impressive
Christy & Dave


John is passionate about helping people just like you, he will help take the guess work out of purchasing your first home and the overwhelm first home buyers often feel. You can visit John at either of his offices or he will come and sit with you and run through all of your figures and finances.

John has specialist software that allows him to crunch all of your numbers so you know straight away how much deposit you will need, how much you can borrow, your monthly repayments and which lender best suits your circumstances.

John will then submit all of the paperwork on your behalf ensuring you get the best rate with the right lender. This alone could save you thousands of dollars.

You will then be ready to go out and start the fun bit of hunting down your first home.



“Prior to booking my first appointment with Mortgage Choice, I knew entirely nothing about home loans and the housing market. “

John provided me with the knowledge, expertise and guideance to feel comfortable enough to take the plunge and buy my first home, I am very happy with the package that I ended up choosing and would return to Mortgage Choice Again
– Chan


Changes to Stamp Duty
From 1 July, the Victorian State Government removed all stamp duty fees for first home buyers purchasing a home worth $600,000 or less. And, those purchasing a property worth between $600,000 and $750,000 will get a significant discount.

Increase in the First Home Owner Grant

If you’re planning on buying your first home in metropolitan Melbourne, you may be eligible for the $10,000 first home owner grant. Meanwhile, those first home buyers looking to buy or build a new home in regional Victoria – up to the value of $750,000 – will be eligible for a $20,000 first home owner grant.

• Understand your needs
John fully understands your needs and will find out as much as possible about your circumstances to achieve your goals.

• Compare loans to find you the right one
John can compare hundreds of home loans from over 20 lenders, including the big four banks, to quickly narrow down your choices to the lenders that best suit you.

• Do all the legwork for you
When you decide to go ahead with your loan application, John will prepare all of the paperwork and support you through the entire process.

• Work out how much you can borrow
John will skillfully calculate how much you can borrow and how much you can comfortably afford to repay each month.

• Answer all your questions about buying your first home
John has a wealth of knowledge and is passionate about helping people get into their first home.

• Helping you get your pre-approval
John will help you get your pre-approval for your home loan so you can confidently, shop around for your home, knowing what you can afford to buy.

 

 

Why is a pre-approval so important?

The benefits of getting a mortgage pre-approval will help you determine how much you can actually afford to borrow so you can make a solid offer on that dream home you want to buy, particularly at an auction.

The benefits of getting a mortgage pre-approval will help you determine how much you can actually afford to borrow so you can make a solid offer on that dream home you want to buy, particularly at an auction.

Another thing most people don’t realise is that each time you put in an application with a bank, declined or not it stays on record for other lenders to see. Lenders may become suspicious if you have been going from bank to bank.

Another thing most people don’t realise is that each time you put in an application with a bank, declined or not it stays on record for other lenders to see. Lenders may become suspicious if you have been going from bank to bank.



“We are a young family with a $50,000 deposit and six figure income, yet my bank was unable to help us.”

After meeting with John from Mortgage Choice, he clearly and effectively communicated our options and the process of purchasing our first home. Within 48 hours we had been
pre-approved to almost double the amount approved by the bank.
– Ross and Karen


The beauty of seeing a professional like John, is that his consultation
comes at NO COST to you. That’s right – it’s FREE.
Remember a mortgage choice broker will help answer all of the points
below to make sure you fully qualify and understand the process and
requirements of buying your first home.

John will help you find out:
How much money you can borrow?
How much you need to save for a deposit?
How you choose which home loan is right for you?
Should you choose a fixed or variable rate?
What is Lenders Mortgage Insurance (LMI)?
What are the costs involved in buying a home?

Mortgage Choice is Australia’s leading and most reputable mortgage broker firm. Mortgage Choice brokers across Australia have helped hundreds of thousands of people get the best home loan rates and products with over 23 lenders to choose from. John is a certified and qualified Mortgage Choice professional with years of experience, he has helped thousands of people with their loans, so they can buy the home of their dreams. John takes the stress and the anxiety out of buying your first home.

Once you work with John you will never go back to doing it yourself again.
In fact John’s clients come back time and time again as they grow and invest.

Desperate to own your home?
Then contact John today!

COPYRIGHT 2017 | VITAMIN BE PTY LTD
Tel: (03) 9725 5799 E: john.iskra@mortgagechoice.com.au