00 Finance in Maroochydore, Queensland | Financial service

00 Finance

Locality: Maroochydore, Queensland

Phone: +61 411 220 021

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• Financial service
• Mortgage brokers
• Investing service
• Financial consultant

25.01.2022 I think we've all thought about packing up and swapping the mundane 9-5 jobs, mortgages and daily stress for a more relaxed life of travelling... And this family has nailed it! They say their best investment was making their home-on-wheels entirely self-sufficient. Everything is much easier when you have less - we couldn't agree more! A great read ... https://www.domain.com.au//meet-the-family-who-spend-jus/

25.01.2022 Tip Tuesday: 3 ways to get a deposit for your first home Just like your parents told youSave Save Save. Unless you have just won the lotto, you will (like the other 99% of us) need a home loan. This requires a cash deposit of 20% and the bank will lend you the other 80% of the property purchase value. What does 20 percent look like? For an average Aussie home you might find something for $400,000.. youll need $80,000 cash deposit!... A smaller deposit isnt unheard of these days, some financiers will lend up to 95% (5% of $400,000 = $20,000 ). However, you do become a greater risk and the lender will slap on lenders mortgage insurance (LMI). LMI is paid to the banks insurer to cover the bank in the event your default on your home loan. You can pay your LMI upfront or, depending how much LMI you have to pay, you can add it to your mortgage. Having a guarantor is another great way to help with your deposit. They must be an immediate (clearly loves-you-a-lot) adult family member who is able to use the equity in their property as extra security for your home loan deposit. Once you have paid off some of your mortgage and your property value has increased, you may remove the guarantor and you can finally adult independently Theres also some other costs and upfront fees no one normally talks about when purchasing a home but super important you do budget for them: Mortgage registration fee Transfer fee (or commonly referred to as 'Transfer of title fee') Title search fee Stamp duty Pest and building inspections Home building insurance And of course all your moving costs and on going costs like council rates, strata fees, utility bills and property maintenance. To find out if you qualify for a first home buyers grant or would like to discuss your options confidentially, send us a quick message and we will call you back

25.01.2022 How low can you go!!! Rates drop again!!!

25.01.2022 Hi everyone, WHOA!!! new changes to the bank world! Govern getting tough on lending!!! Still low rates!... looking at refinancing ? Looking at buying propertys with your super??? Want to buy investment property? It's still good time right now!!! Suresh 0411220021 [email protected]

25.01.2022 What are your financial goals?

24.01.2022 Breaking news!!! Qld government giving away $20,000 for first home owner grant , Call me on 0411220021 for more information

24.01.2022 Motivation Monday...

23.01.2022 4.39% for Home Loans!!!

23.01.2022 Check out the new promo video. Feel free to like and share with your friends. Thanks

23.01.2022 Black Friday Shopping Tips Black Friday marks the unofficial start of the Christmas shopping season in America. Australian retailers have jumped on board over the past decade to keep some of those dollars on our sandy shores It's estimated Aussies will spend around $320 Million this year!! Holy pumpkin that's a lot ... Here are a few tips from us for safer, smarter shopping this year: - some brands may start their sale prior to Friday so make sure you're following them on social media or subscribe to their newsletters to be in the first to know when the sales hit - Afterpay is a great way to budget payments over a 4 week period, rather than spending your entire pay check in one hit - look for the "lock" icon next to the website URL; this means the site is safe - Please try and avoid doing your online shopping while using public wi-fi; do we even need to explain this one - watch out for deals that look too-good-to-be-true - Read the reviews BEFORE you purchase; we all know returning online purchases is just down right frustrating - For any big ticket items, perhaps using a price comparison tool could be useful Happy Shopping!

23.01.2022 EOFY is fast approaching and there has never been a better time to purchase that new car you've had your eye on It's a buyers market, so take advantage and save thousands of dollars at the dealership and let us secure you a great value car loan. Enquire today and you could be driving away tomorrow! (We can also see if you qualify for the tax breaks provided by the government).

23.01.2022 Children learn a lot by watching their parents and how they deal with money.. Learning the value of money and money management from a young age can be invaluable life lessons for your child(ren). Raising Children have a great article covering the when, how, what and lots of tips in between... https://raisingchildren.net.au//rules-chores-/pocket-money

23.01.2022 Let me educate you to overcome these hurdles .

21.01.2022 3.99% for 3 yrs fixed rate!!! What are you paying?

21.01.2022 A little bit of motivation for your Monday... Go get it

20.01.2022 Anything is possible

19.01.2022 I think we can all agree that one of the biggest predictions for 2018 (in the financial world) was house prices were going to cool down just a little Sydney is generally the leader for all things finance and while in the recent months they have posted their biggest decline in property values since 2009, we can be certain this trend will follow through to our other states The house price growth has remained in the low single digits so far this year and with the RBA set to ...make their next cash rate announcement today (which hasnt changed in the past 23 months), we are pretty confident it will be a slow pace of cash rate tightening and house prices will in turn remain low at least until 2020.. For generations such as the baby boomers maybe this isnt the best news but for our ever-growing millennials (or any first home buyer) this is fantastic news This is a real opportunity to get your foot in the property door and create a future for you and your family Its a buyers market out there, the right broker will be the best friend you could have; to ensure you are getting the best loan for your individual goals and dreams. Our team of finance specialist are knowledgeable, reliable and here to elimate stress and give you a "worry-free" home loan. For more information send us a message and we can call you back

19.01.2022 Attention!!! We have several lenders on our panel that are offering a low 1, 3 and 5 year fixed rate! As low as 3.99% for 3 year Fixed Rate or 3.75% for limited time only This is a great time to consider securing your first investment property/ home! Or you can even think of re-financing your current property/investment loan. We are here to help!... CALL US NOW FOR A FREE APPOINTMENT! 0411220021 Suresh

18.01.2022 Meet the broker who will help make your dreams come true.....Suresh Dewan. And with record low interest rates now is the perfect time. Call him today for a friendly chat 0411220021.

18.01.2022 Has your lender passed on their L O W E R E D interest rates to you yet? The Reserve Bank of Australia (RBA) has kept the cash rate unchanged and at a historic low of 1.50% for months now. What does this mean for you? Well, four of Australia's biggest lenders have reduced their interest rates (at their own discretion), and normally the smaller ones will follow. However, the bad news is if you are an existing customer these lowered rates generally won't be passed on to you.... The good news is, this is the perfect time to consider whether your current loan is still right for you. With access to over 35 lenders, our team of finance specialists can ensure you will have the right loan for your needs. We care about you and your future so pop us a call and let us get you back on track with your financial goals. 0411 220 021 [email protected]

18.01.2022 what are you paying?

18.01.2022 We aren't gamblers here at 00 Finance, as we like to keep our money right where we can see it But for all you punters out there, here are some tips from former champion jockey - Simon Marshall Good luck! ... https://www.foxsports.com.au//14d62c38f1bec2dbfbfad18cb5b1

18.01.2022 FIRST HOME BUYERS... Have you put in your application for your $20K yet? We are now in May and we don't mean to freak you out, B U T... There is as little as 2 months before the First Home Owners Grant decreases! We want to make sure you get the opportunity to make use of the whole $20,000 while it's still available...... We will help you with your application Guide you through the entire process We can assist with builders payments Our finance specialists are local, trusted and reliable We have over 35 lenders to choose from Get in touch today and let us take care of everything for you. 0411220021 [email protected]

18.01.2022 A message to our valued clients: If you are currently a Westpac customer and would like to have a chat about the current rate increase, please get in touch. We would love to save you some dollars so you can keep enjoying the things you like

17.01.2022 1 year fixed rate 3.99%

17.01.2022 Motivation Monday... Who are you choosing to be today?

17.01.2022 Thinking of renovating..? We've got you sorted with our worry-free loans Get pre-approval quickly. Apply now. Just send a quick message and we will do the rest for you

17.01.2022 Do you have multiple credit cards? Do you know how much you are paying for unnecessary rates and fees If not, that's ok, most Aussie's don't... We will show you how to eliminate stress and halve your interest rate Just send a quick message and we will do the rest for you

16.01.2022 The Reserve Bank has lowered the official cash rate to a historic low, marking the third cut in five months. The Reserve Bank of Australia (RBA) has announced that it has reduced the official cash rate to a new record low of 0.75 per cent. The cash rate has now been slashed by a cumulative 75bps over the past five months, with the RBA also lowering rates in June and July. The central bank has maintained that the monetary policy stimulus is aimed at supporting jobs growth and... ensuring that the inflation rate closer to the RBAs medium-term target of 2 to 3 per cent. Market observers were anticipating the RBAs decision in light of recent interest rate cuts from its foreign counterparts in the US and Europe. Following the US Federal Reserves recent cut to its funds rate, it reinforced the need for further easing from the RBA in order to maintain downward pressure on the Australian dollar. On the one hand, the Feds easing, along with stimulus elsewhere globally, should help support global growth, which is good for Australia, [but] its probably not enough to change the outlook for the RBA and its perception that global risks have increased, The RBAs decision to cut the cash rate for a third time has come despite evidence of a recovery in the housing market, which analysts have partly attributed to the RBAs cuts in June and July. CoreLogics latest Hedonic Home Value Index has revealed that national home values increased for the second consecutive month, rising by 0.9 per cent in September, following on from a 0.8 per cent increase in August. Reflecting on the RBAs decision, CoreLogics head of research, The improvement in housing market conditions was offset by signs of further weakness in the labour market. A trend towards higher unemployment and a slowdown in jobs growth were likely the primary factors in the RBAs decision to cut rates to a new low, as well as concerns around persistently weak household spending, subdued wages growth and low inflation, he said. All eyes will now be fixed on mortgage rates, with Australias lenders set to pass on the RBAs cuts to home loan customers. Clients should be reviewing their home loan every time the RBA makes an adjustment to the cash rate, he said. Theres no prospect of rates going up any time soon so this should be a shot in the arm for consumer confidence. With Christmas approaching, the domestic economy will lift if consumers have a change of heart and start spending again. See more

16.01.2022 We dont mean to toot our own horn (well, we will anyway) but, the Mortgage Broking Industry Group (MBIG) recently released a report stating that "Australian mortgage brokers help to drive lower interest rates!" Its no wonder this is true; as a mortgage broker, we have access to an average of 35 different home lenders, which we carefully select for each individual customer based on financial situation, needs, preferences and customers choice... So, while we are doing this... shopping around for you, mortgage brokers have actually contributed to a fall in net interest margins of more than three percentage points over the past 30 years With the recent interest rate spike, theres no better time to have a chat with one of our finance specialists and let us work our magic to secure you the loan you need (before the big banks crack under pressure and raise their rates too ) Send us a message and we can call you back

15.01.2022 Do you currently have an interest only (IO) home loan? According to the Australian Bureau of Statistics (ABS), more than 900,000 IO loans (approved in 2014/15) are set to expire this month! What could that mean for you? ... Your bank will switch you over to a P&I loan and based on recent interest rates, it could add a hefty $5k per year on mortgage repayments... Credit criteria has become increasingly rigid and some IO borrowers may find it difficult to obtain another loan with similar repayments.. What can you do about it? If you haven't "stress tested" your home loan yet, this is a fantastic time to do it! New year, fresh start to your finances Call Suresh on 0411 220 021 or pop us a message and we will call you back

14.01.2022 Prime Minister Scott Morrison MP - ScoMo says anyone unhappy with Westpac's decision to hike its home mortgage rate should switch banks. www.7plus.com.au/news #Westpac #auspol #7News

14.01.2022 Our VW Rome trip

14.01.2022 Monday Motivation... Keeping it simple!

13.01.2022 21 positive habits that all happy people know goo.gl/QiLvoz

12.01.2022 https://www.facebook.com/pakka007/posts/651184488333642

12.01.2022 http://www.realestate.com.au/blog/tips-paying-house-sooner/

11.01.2022 A message to our valued clients: We have been informed some of the banks have recently slugged borrowers with out-of-cycle mortgage-rate hikes! Many have seen an increase of up to 0.9% Unfortunately it is looking like borrowers will be paying more on their mortgage(s) within a matter of months! This has not been passed on by the RBA and it is uncertain whether the Reserve Bank will raise the official interest rates in the near future... If you would like our team to do a li...ttle digging for you to find out what your options are, please get in touch today. Send us a message and we can call you back

11.01.2022 We don’t mean to toot our own horn (well, we will anyway) but, the Mortgage Broking Industry Group (MBIG) recently released a report stating that "Australian mortgage brokers help to drive lower interest rates!" It’s no wonder this is true; as a mortgage broker, we have access to an average of 35 different home lenders, which we carefully select for each individual customer based on financial situation, needs, preferences and customer’s choice... So, while we are doing this... shopping around for you, mortgage brokers have actually contributed to a fall in net interest margins of more than three percentage points over the past 30 years With the recent interest rate spike, there’s no better time to have a chat with one of our finance specialists and let us work our magic to secure you the loan you need (before the big banks crack under pressure and raise their rates too ) Send us a message and we can call you back

09.01.2022 Ravers be like..

09.01.2022 Monday Motivation... Stay focused on why you started

09.01.2022 Ummmm excuse us buuuut there are only 13 Fridays until Christmas Will your budget be thrown out of whack this year? For most Aussies at this time of the year, unforeseen expenses always seem to pop up all at once, no matter how financially in control you may be... Turning to credit cards is an easy band-aid solution Last year, we as a nation, racked up $29B in Christmas credit card debt there are other smarter options out there and debt consolidation is an excellent... alternative. Consolidating isnt just about getting you out of debt, its also a great way to prepare for times like Christmas or a solution for that family trip youve been dreaming about There are sooo many easy ways to make sure all the pressies get under the tree this year(from consolidating to budgeting tips) and we are here to help by taking away some of your stress Pop us a quick message with your Christmas budgeting concern, name and number and we can call you back

09.01.2022 Ridiculously easy loans... ca-ching!! Personal loans for whatever you need in your life right now Repayments from as little as $45 per week...

08.01.2022 Brisbane Broncio's star "lavish hilltop haven" sold up just weeks after the troubled team was bundled out of NRL grand final contention... And what a house, check out that kitchen! https://www.realestate.com.au//brisbane-broncos-star-sel/

08.01.2022 5 year fixed rate 4.99% How low can you go!!!!

06.01.2022 World news in Sunshine Coast !!!

06.01.2022 The weather is finally starting to heat up and we are super excited about summer A few tips from us to keep cool without breaking the bank: 1. Getting your Air Conditioner serviced before the high heat hits will ensure it's not using unnecessary energy - also keep it running at 24-25 degrees to reduce on your quarterly bill.. A few drops of your favourite essential oils in the filter will also make your home smell wonderful.... 2. Block-out curtains can lower indoor temperatures by up to 10 degrees. 3. BBQ outside; cooking your dinner outdoors will help cut down on generating additional heat in your home. 4. Make sure you switch your fan settings to summer; this circulates the cool air and keeps the warm air up high. 5. Go for cotton or bamboo sheets, ditch the doona and keep your bed as cool as possible! 6. Turn off lights in rooms no one is using; this will reduce static heat. 7. If you're a home owner, seal cracks and vents so the cool air doesn't escape... If you're a tenant, always ask your property manager for permission. Stay cool

05.01.2022 Good times to look at your home loans! Free valuation! Free review of your loans! Review your super!

05.01.2022 A great read for our valued clients...

05.01.2022 Motivation Monday... Just keep swimming

04.01.2022 Do you and your partner share bank accounts or have joint loans? What are your thoughts on keeping finances separate? This is a great read covering spousal asset sharing!

03.01.2022 Motivation Monday Dream big or go home...

03.01.2022 3 yr fixed rate 3.99%

02.01.2022 Mental health is such a silenced, sensitive and overlooked topic... 1 in 4 people suffer from depression and there are still not enough resources out there for every stage of mental health needs... The Gidget Foundation have a superstar ambassador, Chelsea Pottenger ,who knows first hand the daily struggles of depression. If you, or anyone you know are suffering, or even in the early stages of depression, reach out to your loved ones and book in to see your GP so you can get... on a mental health plan and access this service from anywhere in Australia. It's never too late or too early to make a change. https://www.facebook.com/629095014/posts/10160236423735015?sfns=0

02.01.2022 Motivation Monday... May your month start strong

02.01.2022 Can we build a property in our SMSF? Is it possible to build an investment property in a Self Managed Super Fund (SMSF)? I sat down with a new client recently who was seeking the answer to this commonly asked question. The following is a snippet of our conversation for anyone else who is interested in learning more about the possibility of building an investment property in super:...Continue reading

01.01.2022 WHY IS NOW TIME TO FIX THE HOME LOAN RATE? Fixed rate home loans still popular in Australia Hundreds of thousands of Australians compared home loans with Canstar From January to December 2017, giving us a wide range of insights into what Australian homebuyers are looking for in a mortgage. The number of people searching for fixed-rate home loans on our website has decreased slightly since our last ratings, showing that some Australians think interest rates may yet go down fur...ther! The majority of home loans searches on our website are still for people looking for a fixed rate home loan; where this figure was once 64% in July 2016, 86% of visitors to our site now search for fixed rate home loans. Of those who are searching for a fixed rate home loan, the most popular fixed terms are as follows: Fixed rate term included in search filters Percentage of visitors 1-year fixed rate 13% 2-year fixed rate 20% 3-year fixed rate 29% 5-year fixed rate 24% Source: Canstar Home Loans Database. Based on visitors comparing home loans on our website from January 1, 2017, to December 31 2017. To filter your home loan search by a certain fixed rate term, use our home loans comparison page:

01.01.2022 You can dance like this , when u are saving on your mortgage!!! https://m.facebook.com/story.php

01.01.2022 What a beauiful day No Rates drop this month. Best Variable rate at 3.75% Best 3 year fixed rates 3.88% Free valuation... Free health check on your loans Let me know if i can assist Suresh 0411220021 [email protected]