Property appetite hits two-year high

Stable interest rates and consumer confidence are leading people into the property market.  Westpac Chief Economist, Bill Evans found that consumers who believe now is a good time to buy a dwelling jumped 15.1% to its highest level in two years.

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So don't miss out - get shopping in the sunshine this weekend, and if we can help ensure your finances are right, please call 02 9212 2275 or email

Our website has lots of handy links and tools too http://www.mortgagechoice.com.au/philip.sangster

First Home Buyers - Buy now or miss out!

For First Home Buyers, the NSW government is removing the property stamp duty exemption on existing dwellings, which means if you want to buy an existing apartment or house up to $500,000 you will save around $18,000 if you buy before 31 December 2011.

If you - or any of your family, friends or work colleagues - are First Home Buyers and have been thinking of getting into the market and want to buy an existing property (not brand new) then act now and call Philip on  9212 2275 to discuss your options!

There is a huge financial incentive to buy before the end of the year.  Take advantage of this Spring season to get in the market!

We're here to help!

When you're buying a new property there are lots of things to think about:

• where will I buy?
• what can I live without and what must I have?
• what can I afford?
• how much will my repayments be?
• what about stamp duty?

We're really happy to tell you that help is just an App away!  If you have a smart phone, download the new Mortgage Choice Home Loan Helper app - free from iTunes.  It will give you a guide on your borrowing power, loan repayments and stamp duty.

So now you can focus on what you want, and we'll help with the finance.

As always, to discuss your personal circumstances in detail and work out your borrowing power accurately, or to simply work through purchasing scenarios, please call me on 9212 2275 or check out our website.

Are you getting the best deal?

It's really important to take stock of your mortgage.  Do you have the right type of home loan for you? Have you got the best deal?  Have you thought about any lifestyle changes that are likely within the next 12-24 months?

There's never been a better time to get a good deal from the lenders - even the media is telling us to check that we're getting the best deal.

Call Philip 02 9212 2275 for a free home loan health check if you have an existing mortgage, or if you simply want to know what your borrowing capacity is and start the path to property ownership.

Check out our website for more information.

You find the house, we'll find the loan! 

Investors are being told to buy NOW!

We've been saying it for a little while now and the media is catching on...

As reported in The Adviser (Industry news for mortgage and finance brokers), "With property prices at the bottom of the cycle, investors are being told to buy now.

Australian Property Monitors senior economist Andrew Wilson said investors should not be put off by trouble abroad, as the Australian economy is, by and large, stable."

If you need help finding the right property or securing your finances, or just want to have a chat about your own circumstances, please call!  9212 2275

For more information, please go to our website.

Buy now for Christmas!

We may feel like we're still in the depths of winter, with summer and Christmas seeming like they're miles away, but if you want to be in your new property by Christmas, now is the time to be buying.

Sometimes we can be lucky and find the perfect property at first inspection, sometimes it takes longer. 

While you are out looking at properties, check out possible repayments and stamp duty costs via our iPhone app.

Download it today!

To discuss your own circumstances in more detail please call me on 9212 2275 or check out our website for more info http://www.mortgagechoice.com.au/philip.sangster

Rates Race

On Tuesday the RBA announced that the cash rate would be held at 4.75%, and there's always lots of speculation about what interest rates are doing.  Despite what you read, the facts and figures tell the truth - look at this graph in this article.

The long term average for interest rates is 7.5% and we are still below the long term average, with variable rates today around 7.00%
So even with 2 more rate rises, that will take us to the long term average.


Don't be frightened by the media - it is a good time to buy!

Give me a call if there's anything I can do to help secure finance on 9212 2275 or check out my website http://www.mortgagechoice.com.au/philip.sangster.

Happy house hunting!