Mortgage Choice Bunbury - Steve & Rebecca Baskerville

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Bunbury, WA
Mortgage Choice Bunbury - Steve & Rebecca Baskerville

Proving expert advice, friendly competitions and timely updates to help you with all your mortgage needs

Steve Baskerville has over 20 years of experience serving the financial needs of his clients. He served with Commonwealth Bank of Australia for 10 years and excelled in both retail and commercial lending. Steve transitioned to personal lending with Bankwest as a Mobile Lending Manager for two years. He joined Smartline (formerly The Mortgage Gallery) in 2002 and dedicated himself to helping his cl

ients achieve their property ownership and financial goals. Steve is an avid Geelong supporter and spends his free time at the gym and playing basketball. He enjoys the economic development and active lifestyle of the Bunbury community.

30/08/2023

Mortgage Choice conference themed night “under the sea”

29/08/2023

Conference Time 😊

29/05/2023

Happy Birthday Steve - you work so hard so you can have today off to celebrate 🎉 🥂🥳 Back in the office tomorrow.

18/05/2023

Are you a small business and need some updated equipment. You may want to take advantage of the Instant Tax Write-Off for purchases made prior to 30 June 2023. Whether its machinery or vehicles, Asset Finance is available.

Yes we can assist you with this type of financing - call us today!

Policy - ABN & GST for 2 yrs +, home owner or 20@% deposit, $250K max loan, New, used, dealer or private sale, Asset aged 20 years EOT.

14/05/2023

Happy Mother’s Day x

26/04/2023

Thinking about fixing your home loan rate? Here's a new offer from one of our lenders - 5.24%p.a.* for 3 years, and if you are refinancing a loan over $250,000 you are eligible for a $3,000 Cash Back!**
T&Cs apply.
You will need to be assessed to see if you qualify with this lender and if this product meets your requirements.
Owner Occupied loans that are new business to lender only.
*5.66% comparison rate (based on a 25yr loan term)
**loan size greater thank 250K, paid within 120 days of the loan settling

Give us a call to find out more, cheers Steve

24/04/2023

We are exited to share with you the opening of our new office in Bunbury. We have moved upstairs to Suite 8, 32 Stirling Street so still in the same building. We look forward to seeing you soon.

12/03/2023

Great night at the Better Business Awards 2023 with the Mortgage Choice crew. Thanks Pepper for being our host.

19/12/2022

Wishing you all a wonderful, happy & safe Christmas.

We will be closed between Christmas Eve to New Years' Eve to spend some time with our amazing family. Hope you all get to have a break too and enjoy your time together.

Thank you for letting us help you with your financial needs over 2022 and we look forward to success and happiness in 2023.

regards Steve & Bec

13/09/2022

It's official - we are now Mortgage Choice!

Everything remains the same, just a new name and branding.

03/08/2022

Refinancing - what the media isn't telling you! Before you rush to refinance, you should consider the following things:

1. Am I really getting a better rate? Every lender is passing on the RBA increases, so if you were given the best rate in the last year or so, then it most likely is still the best rate as yours and other lender rates have increased. So don't get misled by moving to someone offering what looks like a better rate advertised today, as the fine print most likely will say a 0.5% increase will be occurring at the end of the month (which now will bring you back to where you were). Make sure you compare with rates as of the end of the month, not today as most likely some lenders will trick you into thinking their rate looks better because they are delaying the increase to after the major banks lift theirs.
2. Will I pass the servicing calculators? Every lender has a servicing calculator they use to determine where you can afford a loan. Banks factor in generally a 2 - 2.5% extra buffer to ensure you can still afford the loan if the interest would increase. For eg. If the current interest rate is 4%, when determining whether you can afford the loan, they may use a 6.5% interest rate when calculating the repayment amounts. So you need to consider, will your income comfortably afford a repayment amount based on a 6.5% rate and my increased living costs? So even if you wanted to move, you may not be able to due to this calculation.
3. Do I have at least 20% equity in my property? Most lenders offer a lower interest rate for loans with a lower than 80% value of the property, so this is where we see a benefit for clients to refinance their home loan if their current lender won't give them a better rate. The difference can be up to 0.8%. For example, based on this morning on a Owner Occupied Variable home loan of $250K, BankWest have a rate of 4.24% for a 95% lend but their rate for an 80% lend is 3.39% (comparable 3.4%).
4. Will I need to pay Lenders Mortgage Insurance again? If you took out a home loan for more than 80% of the value of the property then you would have paid LMI (Lenders Mortgage Insurance), if you move to another lender and your home loan is still going to be over 80% of the property value, you are going to have to pay it again! The premium is smaller the closer you are to the 80%, so in some cases it is still a better choice to move but in some cases it isn't, so make sure you factor this in when considering moving your home loan.

We are more than happy to assist you with considering whether refinancing your loan is in your best interest. In the current WA market we are finding that properties have gone up in value so it may be a good time to investigate and take advantage of a lower rate. We are happy to reevaluate your property if you feel this could be you.

Give us a call, sms or email on 0427914177 - [email protected].

Address

32 Stirling Street
Bunbury, WA
6230

Telephone

+61427914177

Website

https://www.smartline.com.au/mortgage-broker/sbaskerville/

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