Desley Tolman
Mob: 0420 600 283

Mortgage Choice
Tel: 07 3410 7343
Fax: 07 3410 7359

Contact Us

Your Local Home Loan Specialist - Bribie Island, Caboolture, Redcliffe and surrounding areas

Hello! My name is Desley Tolman and as your local Mortgage Choice broker servicing Bribie Island, Caboolture, Redcliffe and surrounding areas I look forward to helping you achieve your dream of buying your home or investment property. If you're already in your home, as your local mortgage broker, I can also assist you with obtaining a loan for a renovation or refinance for easier repayments.

With a background in sales and marketing, I chose a Mortgage Choice franchise because it enabled me to provide a valuable service to my local community. Finding the right mortgage can be a daunting task for consumers. I find it extremely satisfying to guide people through the maze of options and help them make the best possible choice. I believe that the relationship between a client and a broker is based upon personal service, and listening to the client's needs and individual circumstances. Everyone's situation is different. That is why using a broker makes so much sense.

This relationship continues long after the mortgage has been established. As personal circumstances change, I encourage my clients to have regular mortgage 'health checks' to ensure that they have the most appropriate product for their particular needs - at all times.

As a qualified mortgage broker, with access to a wide panel of lenders, I am able to assess and evaluate the most appropriate loan for your needs and circumstances.

As a home owner, business operator and franchisee, I am acutely aware of how valuable time is. Because of this, I am pleased to provide a high level of service, where I do all the follow-up and general running around, saving you time, energy and stress " and leaving you to enjoy this exciting time in your life. I am fully mobile and my office is your home, your office or wherever you choose and at a time that is most suited to you.

I am an active member of our industry body, MFAA, and I undertake regular training to keep up-to-date on the myriad of loan products changes, and new loan types available.

Best of all, as a Mortgage Choice broker, I do not charge you for my service!

Contact me today on 07 3410 7343 or mobile 0420 600 283.

Top tips for first home buyers

Applying for a mortgage doesn’t have to be difficult. However, it is best to be well prepared before you start the home loan process. Here are some tips to help first home buyers prepare for their first property purchase.

1.     Do your research

Apart from visiting a reputable mortgage broker – much more time-savvy than visiting 20 or more lenders individually – start taking note of property and mortgage related information sources.

2.     Visit home loan calculators online

There are plenty of Australian home loan calculators on the internet. These will give you an idea of how much your income, assets and liabilities will allow you to borrow as well as what the repayments will be on a particular home loan amount.

3.     Write up a budget

If you don’t already have a budget plan in place, create one! If you can follow a budget for a year-long period or more, tweaking it long the way, then you’ll have a strong idea of what money you need to put aside for things that crop up regularly through to once a year.

4.     Determine if you are eligible for the First Home Owner Grant

You may be eligible for the Australian government’s First Home Owner Grant. There are also a range of state concessions available on top of the First Home Owner Grant. Your local Mortgage Choice broker can walk you through them.

5.     Think about concessions and other costs involved

You may know how much you can afford but have you considered the new car you’ll need in a year’s time or new/replacement furniture or that overseas trip you’ve been thinking as being two years down the track? When you’re committing your money to a mortgage, you’re committing your lifestyle to a mortgage too.

6.     Consider suitable loan types

Many people are not aware that there are many different types of mortgages. Everything from family equity loans to paying off a loan with a friend rather than by yourself can bring property ownership closer than you may think.

7.     Determine your property picture

Once you have a better idea of the loan type, repayments and loan amount, you can start looking at areas and types of homes you think you can afford.

8.     Consider a pre-approval

Consider a loan pre-approval before going on the serious hunt for a place to buy. These are normally valid for three months at a time, with a possibility of extension.

Contact your Mortgage Choice broker to help you to find the home loan that suits your needs.

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