Terry Cochrane
Mortgage Broker Mornington, Mount Martha, Dromana
I have been helping families to find the right money for their homes for over 10 years. I am determined to ensure that my clients gain the positive experience all home buyers deserve. In fact, my determination to help other has driven me to assist over 1000 people, always striving to find the right home loan fit for their circumstances.
With over 20 major banks and secure lenders on my books, I work as your advocate and can help you determine the right home loan solution for you.
Loans for First Home Buyers
Buying your first home is an exciting time. There is also so much to think about, such as:
- How much can I afford to borrow?
- What type of home loan best suits me?
- What does all this jargon mean?
- Am I eligible for the First Home Owners Grant?
I answer all these questions for you and work with you to tailor a home loan solution that will help you become the owner of your own home.
I have helped hundreds of first home buyers realise their dream. In today’s competitive market having someone guide you through the mortgage brokering process will give you the competitive edge on other buyers.
Whether you have already found your dream home or are looking for a home loan pre-approval, I help you through the maze that is the home loan market. I even make sure you fully understand all the terminology and jargon and simplify the mortgage broking process.
Me and Darren have just moved into our first ever home, Yay!!!!!! The whole thing started when a really good friend told us to contact Terry as he had been their broker when they bought their first home in Somerville.
I did of course and I’ve got to tell you he was so calm and knowledgeable he instantly put our doubts and fears to rest and then set about explaining the whole process, not just what we needed to do and what he does but even what the Conveyancer does, I’ve got to tell you it was such a relief to have it all explained including the costs like stamp duty and Mortgage insurance, he even took care of our First Home Owners Grant paperwork (Soooo Cool!!)
Mandy, Cranbourne
Refinancing Your Home
With so many home loan options out there these days it makes sense to want to ensure your home loan is working for you. Refinancing can save you thousands of dollars off your mortgage, unlock equity in your home to finance renovations or capital investments and give you peace-of-mind that your home loan is truly the smartest option for you.
There are so many decisions to consider when you are looking at finance, whether to go for a fixed or variable interest rate, consolidate debt or not, or choose long term or short term loan, it can be overwhelming trying to decide what to do. With over 10 years experience and a range of 20+ major banks and lenders to call on, I will help you make the right decision.
Terry was referred to us by a good friend that I had confided in about our financial problems we were going through. Wow what a good piece of advice that was, due to ill health and just a general run of bad luck we were stuck with crippling repayments. I was having trouble sleeping and we were stressed out.
Terry calmed the whole nightmare down and was able to move us to a cheaper mortgage and by consolidating our debts were dropped our monthly repayments by nearly $1,000 per month. I nearly cried!!!! NOT ONLY THAT but Terry then told us about good debt verses bad debt!!! And said that within 2 years we could be looking at buying an investment property, he said that that way we could start using money to build our wealth, I’m very excited about our future now
Andrew, Frankston
Investment Loans
Although interest rates are constantly changing, investing in the housing market is usually a pretty safe bet in the longer term, and choosing the right investment loan is essential to maximising your returns.
Whether you are looking at taking that first step into the investment market or expanding your real estate portfolio I can help you choose the right investment loan package to maximise the performance of you investment.
What’s more, my expansive knowledge of the Mornington Peninsula gives you a competitive edge to the investment market.
Terry took us through the process of purchasing our first investment property. Because Terry has an investment portfolio himself he was able to teach us about the types and positions of properties to look for, and the pit falls to be avoided, it really helped calm my nerves!
He used his lender / loan comparator soft ware to find us the most suitable loan, one that will still be right for us as the number of properties we purchase increases.
We now look forward safe in the knowledge that Terry having been in the industry for over 10 years will be there for the long term and that we won’t need to deal with some uncaring nameless person from a bank.
Anthony and Bernie, Dromana
Customers Mornington Peninsula
Having lived on the Mornington Peninsula for 25 years, I know the Peninsula market and have 10 years of professional relationships to call on to help you buy your dream home. I offer home loan services in and around the Peninsula, including in Mornington, Mount Martha, Dromana, Mount eliza, Hastings, Rosebud, Frankston, Langwarrin and Red Hill.
- State: Victoria, VIC
- Broker region: Melbourne South
- Suburbs: Mornington, Mount Martha, Dromana
- Terry Cochrane provides mortgage broking services in suburbs including but not limited to: Mornington, Mount Martha, Dromana, Mount eliza, Hastings, Rosebud, Frankston, Langwarrin, Red Hill