Services

U Choose Home Loans is a mobile lending service. We help our clients to make informed decisions with making the right home loan choices including:

  • Investment Loans
  • Equipment Finance
  • Complex Scenarios
  • First Home Buyers

Let us do all the running around, it’s all part of the service and what’s more it won’t cost U a cent.

We use an award winning computer software programme and follow a process to ensure we meet the needs and requirements of our client.

At U Choose Home Loans U can be confident we can find the most suitable loan for U.

Our Loan Consultants are all accredited with the Mortgage & Finance Association of Australia (MFAA), and hold the Diploma of Finance and Mortgage Broking Management.

Plus, at U Choose Home Loans, we pride ourselves on our ability to get your loans settled! There are various types of home loans, all offering different rates and features. Always check the terms of your loan.We have extensive experience in all things lending, including:

Is your current home loan still the most suitable?

How does your rate compare with the rates of today?

Call us and take advantage of our
FREE HOME LOAN HEALTH CHECK.

First Home Buyer

A home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a mortgage broker (that’s what we do!). Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. It’s always best to speak with a mortgage broking professional to determine the loan that is right for you.

Investment Loans

Investment loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works towards building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.

Commercial Loans

Due to expensive upfront costs and regulation related hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.

Standard variable & fixed rate loans

The variable rate loan offers more features and flexibility than the basic or ‘no frills’ loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

Honeymoon Loans

A loan with lower repayments for the first six to twelve months. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.

Insurance

We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance.

We also specialise in helping out first home buyers, loans for those of you who have employment that is out of the ordinary and have great knowledge in company, trusts and SMSF mortgages.

Our role as your mortgage specialist is to provide you with comparison of various loan options from a panel of lenders, and assist you with choosing the right loan for your circumstances.

Please call us on the details below and one of our mortgage brokers will contact you to discuss your eligibility for a home loan.