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About Better Choice
"Integrity, Enthusiasm, Commitment and Knowledge"
Better Choice Mortgage Services are a large team of specialists who have been assisting West Australians for over a decade to locate the most suitable home and investment property loan for their personal circumstances.
People have entrusted us and we have returned their trust with integrity, enthusiasm, commitment and knowledge, 7 days a week at no direct cost.
Better Choice is consistent and has been recognised for its success in assisting Western Australians with their finance.
The Better Choice Mortgage Benefits
"Integrity, Enthusiasm, Commitment and Knowledge"
- Open communication to all parties at all times
- Extensive panel of 30 lenders
- 10 years of servicing Western Australia
- 6 administration officers
- High customer satisfaction
- Totally transparent in all dealings
- Continual feedback
You can contact us today to help decide what loan is right for you.
Meet Our Team
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Why use Better Choice Mortgage Services?
We offer you 1000’s of home loans options
We have access to over 35 different banks, building societies and non bank-lenders to give you the best possible finance solution. Our brokers are continually informed on each product from each lender. Don’t go straight to the bank as you will be limited to the bank's own loan products; contact us for a full product suitability assessment today.
Our service will save you time
The never-ending paperwork, continual researching to compare the best loan products can all cause unnecessary stress on an already stressful situation. Our brokers deal with lenders everyday and can take all the stress away in getting your loan approved.
Our client is our number 1 priority
Finding the most suitable loan for each client is our number 1 priority. No matter if you are a first home buyer, investor or self employed, whatever the case may be we can help you find a loan that is right for you.
A free service that’s available 7 days a week
As well as doing the hard work for you we can meet you 7 days a week at no cost to you!
Want to speak to a Better Choice Finance Consultant?
If you are ready to take the next step towards finding finance or if you need further information please contact us to speak to one of our friendly consultants.
How can a Better Choice Consultant help you?
Better Choice not only guides you through the steps in applying for a home loan. We see you through to final settlement on your home or investment property and beyond. Even once your loan has settled, our goal and objective is still to be your number one call for all your future lending requirements.
Step 1: Providing the supporting documents
At our first appointment, our brokers will outline each stage of your loan application and the required documentation to ensure the whole process runs as smooth as possible.
Step 2: Working out how much you can afford to borrow
It is crucial to any loan application’s success that the amount you borrow is based on your current financial situation. Our brokers are fully qualified and experienced to calculate your affordability ensuring it’s realistic and manageable.
Step 3: Find the best home loan to suit you
Every situation is different when assessing borrowing capacity and with 1000’s of different products, it’s difficult for anyone to analyse the best product to suit their situation. That’s why, Better Choice Consultants are kept up to date with latest news on the different loan products and features available on the market. Better Choice Consultants are knowledgeable and qualified to provide you with a range of loan options to suit your needs. Also, when structuring your loan a Better Choice Consultants will also take into account your plans for the future, ensuring that your loan suits your needs now and into the future.
Step 4: Paperwork
Once you have chosen your loan, we will also help you complete the lenders paperwork and organise the supporting documents. Once these documents have been submitted, our brokers will be constantly updating you on the progress and are available at any stage if you have any questions.
Step 5: Choosing a Settlement Agent
Its now time to find a settlement agent. If you need any recommendations, Better Choice can provide you with details of reputable and reliable contacts.
Step 6: Settlement Day
Once your loan is settled, the property will be transferred into your name.
Achievements
To be Australian Finance Group's (AFG) number 1 WA agent in 2007 and runner up in 2006 and 2005, you must be doing something right! In 2007, Better Choice Mortgage Services facilitated and settled in excess of $265, 000, 000 in real estate lending.
We have a number of award winning brokers who are recognised as the industry’s best. Our team works closely together, ensuring information and experience gained is then disseminated to all members. This enhances our team’s knowledge and overall success.
One of our most recent success stories is Vic Giannakis who was named number 19 in the top 100 mortgage professional throughout Australia.
We have professionally handled the financial needs of Western Australians for many years, and we plan to continue this service for many more years to come.
Careers at Better Choice
As a fully owned and operated WA business, we are continually looking to expand our brokering team to help provide a quality and knowledgeable service to all West Australians.
Priding our work ethic on professionalism, integrity, commitment and knowledge only people with the same values will be considered to join our team.
The broker industry has increased considerably over the last 10 years, with over 50% of people dealing with brokers instead of going direct to the lenders to service their lending needs. Better Choice Mortgage Services has the infrastructure, administration and experience to help establish a licensed finance broker in the industry. Better Choice Consultants work flexible hours and have no budgets or demands placed on their workload, resulting in a work environment based on high job satisfaction and commitment to their clients.
Please contact us if you are interested in becoming a part of a successful company or if you require any further information.
Pre-approval
Why wait until you find a property before you start organising finance. At Better Choice Mortgage Services we strongly recommend that you get your finance approved in principal, (a pre-approval), before you go shopping for your home.
Why get a pre-approval?
- Your financial situation is assessed and any issues that may arise are sorted out prior to you contracting to buy a property.
- Pre-approvals last 3-6 months
- There is no cost to you! Neither the lender nor Better Choice Mortgage Services charge a fee to arrange pre-approvals.
- Vendors and Real Estate Agents love dealing with purchasers who have pre-approved finance.
- Having pre-approved finance may enhance your bargaining position when negotiating on the purchase of a property. Especially, so in the case where there are other purchasers who are also interested in the same property as yourself.
- With pre-approved finance, once you find a property, the time frame in settling the property can be shorted considerably.
- Pre-approvals do not obligate you to purchase a property.
- If your pre-approval expires and you have decided not to purchase a property, neither Better Choice Mortgage Services nor the lender will charge you a fee.
So you have to ask yourself, why wouldn’t I get a pre-approval???
Feel free to contact us today to discuss with no obligations.
Governing Bodies
Following is information concerning the Finance Industry stakeholders that formulate and govern industry compliance.
Australian Finance Group Ltd (AFG)
AFG is Australia’s largest mortgage aggregator and AFG and its members facilitate approx $3 billion per month of finance.
Amazing statistics when you consider that AFG are predominantly WA owned company and their head office is located in West Perth. www.afgonline.com.au Ph: (08) 9420 7888
The Directors of Better Choice Mortgage Services have had a business relationship with AFG since 1994. Better Choice has been AFG’s No 1 and No 2 member for the last 3 consecutive years.
Below are other organisations that help regulate the industry:
Credit Ombudsman Services Limited (COSL)
The Credit Ombudsman Service is a free and independent External Dispute Resolution scheme. It provides consumers with an alternative to legal proceedings for resolving disputes with COSL Members operating in the Credit marketplace.
www.creditombudsman.com.au
Ph: 1300 78 08 08
Department of Consumer and Employment Protection (DOCEP)
The main objective of DOCEP is to create an employment and trading environment that provides for the growth, safety and protection of the community.
www.docep.wa.gov.au
Ph: 1300 136 237
Mortgage and Finance Association of Australia (MFAA)
The Mortgage & Finance Association of Australia (MFAA) established in 1980, is a leading provider of service and representation to mortgage brokers, finance brokers, mortgage managers, lenders (bank and non-bank), and originators to assist them develop, foster, and promote the mortgage and finance industry.
www.mfaa.com.au
Ph: 1300 554 817
Legal information
This web site is provided by Advanced Finance Pty Limited trading as Better Choice Mortgage Services (ABN 36 082 954 916) “Better Choice”.
Your access to this website and your use of the services provided through it is subject to these legally binding terms and conditions. Please read them carefully.
Dispute Resolution and Governing bodies
Dispute Resolution
If for some reason, you as our client have not been completely satisfied with the processing and handling of your financial needs, the management of Better Choice recommends the following procedure.
- Speak to your Finance Consultant first and endeavour to establish what your needs as a borrower/client are and to what extent those needs were met by the Better Choice Finance Consultant.
- If you are unable to reach some form of resolution with the Better Choice Finance Consultant please contact:
Sebastian Scurria
Director in Bona Fide Control
PO Box 896
Balcatta WA 6914
Ph: 08 9240 2001
Fax: 08 9240 2441
Mob: 0419 925 291
Email: Seb@betterchoice.net.au
If you are unable to find common ground with the Director of Better Choice Mortgage Services, then there is a number of instrumentalities you may contact in an effort to achieve resolution.
Credit Ombudsman Services Limited (COSL)
www.creditombudsman.com.au
Ph: 1300 78 08 08
Department of Consumer and Employment Protection (DOCEP)
www.docep.wa.gov.au
Ph: 1300 136 237
Mortgage and Finance Association of Australia (MFAA)
www.mfaa.com.au
Ph: 1300 554 817
Disclaimer of Warranty and Limitation of Liability
The information on this website is general information provided as a guide to the steps involved in borrowing money and buying and selling property. The information on this website is not legal, financial, or real estate advice, it should not be relied as such advice. You should obtain professional legal, financial and real estate advice before applying for any loan or purchasing any property. Better Choice excludes all liability for loss or damage suffered by you, as a result, of your reliance on the information on this website.
This website contains content and links to content provided and maintained by third parties ("Third Party Content"). Better Choice makes no representation or warranty as to the accuracy or reliability of any of the Third Party content and excludes all liability for loss or damage suffered by you as a result of your reliance on the Third Party Content.
This website contains calculators, which provide estimates as to how much you may be able to borrow. You acknowledge and agree that:
- the results shown by the calculators on this website are a guide only and actual figures may vary;
- formal loan approval is subject to acceptance of a formal loan application submitted to a lender.
This website may contain the details of the terms and conditions of various loans. You acknowledge and agree that:
- interest rates are subject to variation and that this information is only current as at the date and within the currency specified;
- you should confirm the details by calling Better Choice on +61 8 9240 2001. To the maximum extent permitted by law, Better Choice does not give any warranty in relation to the content, accuracy, source or any other aspect of the information contained on this website.
- In no event shall Better Choice be liable for any loss of profits, savings, contracts, revenue, interest or goodwill or for any consequential, indirect, incidental, special or punitive loss, damage or expenses or loss or damage to data even if it has been advised of their possible existence.
Use of Website
You acknowledge that:- this website is designed to be used in conjunction with Internet Explorer 6 or greater or Netscape 6 or greater and that you may experience difficulties with use and access to this website unless you use such browsers.
- the Internet is not error or fault free and that you may experience interruptions and difficulties accessing this website from time to time;
- we may immediately and without notice suspend the operation of this website:
- during any technical failure, modification or maintenance;
- or if we, deem it necessary to protect against fraudulent or illegal use or to otherwise protect us or our service providers from legal liability.
You must not:
- hack into this website or our computer systems. Hacking means malicious damage or interference and includes, without limitation, mail bombing, propagating viruses, worms or other types of malicious programs, deliberate attempts to overload a system, broadcast attacks or any other method designed to damage or interfere with the operation of a computer system or website;
- use robots or any other automated system to take information or data from this website.
Privacy
Intellectual Property
You acknowledge and agree that the content (including without limitation the text, graphics, photographs, sound or other material presented on this website ("Content") is protected by copyright, trade mark, patents or other proprietary rights and laws. You are only permitted to use the Content as authorised by Better Choice.
General
These terms and conditions are governed by the laws in force in the State of, Western Australia, and each party hereto irrevocably submits to the exclusive jurisdiction of the Courts of that State
