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Advanced Finance Solutions

Phone: +61 429 810 906

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25.01.2022 The price threshold for the latest government low deposit first home buyers scheme of 10,000 placements has been released (new properties only ) as per the list below. This is a big improvement on the previous caps which made it very hard to find a home in the price ranges they previously had. This is the scheme where the government is your guarantor so you only need 5% deposit plus enough to cover legal fees and closing costs (NO Lenders mortgage insurance on these loans). I...n total you are likely to need around 6% of the purchase price. Please be aware that you need to have saved the 5% yourself (it can't come from gifts or sale of assets etc). Part of the scheme requirement is that they want to see that you are able to save this amount yourself so they are more comfortable with approving your loan. There are a couple of lenders that will allow a rental ledger showing on time rent for 12 months to be considered instead of saving the money yourself but you do still need to have the 6% either way. We will be putting forth a much stronger application if you have saved the 6% yourself so that's what do recommend you aim for. I am booked out today but feel free to email me [email protected] and I can send you what we need to know to check your borrowing capacity for a home loan. NHG property price cap NSW Capital City and Regional Centre$950,000 NSW Other$600,000 VIC Capital City and Regional Centre$850,000 VIC Other$550,000 QLD Capital City and Regional Centre$650,000 QLD Other$500,000 WA Capital City$550,000 WA Other$400,000 SA Capital City$550,000 SA Other $400,000 TAS Capital City$550,000 TAS Other $400,000 Australian Capital Territory $600,000 Northern Territory$550,000 Jervis Bay Territory & Norfolk Island $600,000 Christmas Island & Cocos (Keeling Island) $400,000

24.01.2022 Very informative video thank you Darren :)

23.01.2022 Just touching base! - https://mailchi.mp/e77df8ef6c59/just-touching-base-9408650

22.01.2022 Today Jess got these gorgeous flowers delivered from Anita to congratulate her on the next milestone in her mortgage broking career and for being such a fabulous mortgage broker. Congratulations Jess

22.01.2022 74 DAYS UNTIL CHRISTMAS Hey guys.... what does everyone want for Christmas?! Pre-approval for a home loan? ... Personal Loan for a New outdoor living space or a Swimming pool in time for summer?? New wheels to hit the road when the boarders open??... ... We are hearing ya!!... Give the Advanced Finance team a call soon!! Don’t leave it too long guys - there is plenty of planning to do NSW: 02 4919 0478 QLD: 07 5613 1888 See more

20.01.2022 Needing some help with your current loan and unsure if you have the most suitable one for your circumstances? Give us a call today to see what we can do for you! NSW: 02 4919 0478 ... QLD: 07 5613 1888 Or book an appointment using the below link! https://calendly.com/advancedfinancesolutions

20.01.2022 Styling can make a big difference to the sale price of a home. First impressions count.

19.01.2022 A huge thank you to the team at Genus Wealth for our Christmas gift

18.01.2022 **** PRE-APPROVAL FIRST **** If you are looking at purchasing within the next 3 months it is extremely important that you seek a pre-approval first! Pre-approvals will last within 3-6 months so you have time to find a property! ... You’re Welcome

18.01.2022 This comment made my day. A referral from another very successful business person :)

17.01.2022 A friends mums property is for sale. Looks gorgeous.

16.01.2022 This is the definition of a new home under the low deposit scheme. 10,000 spots are being released for first home buyers applying for a new home. If you want to know more feel feee to email me [email protected]

15.01.2022 A lovely text from some happy clients

15.01.2022 Do you want to achieve the Great Australian Dream of owning your own home, but feel that it is exactly that.. a dream?. By implementing some discipline and the below tips you could turn that dream of owning your own home into a reality. 1. Analyse your current spending and set a budget A great place to start in your savings journey is to set a budget. When you can see how much you’re spending you can try to find areas where you can cut back to enable you to save more each we...ek. 2. Pay off your debts such as credit cards and car loans Not only are these expenses that come out of your wage each week they also can incur interest and can bring your borrowing capacities down. Try to think the less debt and more savings i have the better!. 3. Make a savings account and do not touch it! Every week save what you can from your wage and do not touch it. This is know as genuine savings and shows the lenders you can save money and live on your income without having to utilize these savings. 4. Plan your meals Meal planning is one of the easiest ways to save money. If you plan what you’re eating for the week and base your grocery shop around this plan you will be less likely to have extra trips to the grocery store which result in extra spending. By planning what your cooking for the entire week and shopping accordingly you will also minimise those impulse take away night as you will be organised and save the money you would use on take away which could be contributed to your savings account instead. No one said saving for your first home would be easy or wouldn't mean having to make some sacrifices, but try to remember these sacrifices are only short term for long term gain to own your own home and be living the Great Australian Dream! Contact us today to check your options! NSW: (02) 4919 0478 QLD: (07) 5613 1888 OR Book a complimentary consultation via the following link: https://calendly.com/advancedfinancesolutions

13.01.2022 Under the latest release of low deposit scheme placements ( where the government is your guarantor ) it’s only for brand new homes or house and land packages. ...One thing that is important to know is you need to find your house and land at the same time. So this means a house and land package or find land and a builder at the same time. The land does need to be registered too ( or very close to it ) because once you get a placement on the low deposit scheme you have to settle within 90 days and the extensions are quite tricky. If you are not using that scheme you can find land first and then find a builder later. The advantage of the low deposit scheme is you pay no lmi on your loan so it’s a big saving.

11.01.2022 What an amazing transformation of a garage. Wow.

09.01.2022 Usually on Christmas Eve each year we close for a week and enjoy a some time off but this year the market is so crazily busy that we are only closing the public holidays. We are working with skeleton staff each day so that we can keep our current client files moving forward but as of today 1pm we are closed til Tuesday so we can all enjoy time with family and friends for a few well deserved days off. I cannot thank my amazing team enough for their hard work and dedication th...is year. Its been an incredibly challenging year in finance yet again but we have made it through it and helped a LOT of clients along the way. We are all very passionate about what we do. Thank you to everyone who chose to do their finance through us this year. You are helping me in my small business, helping me employ my team and also helping me to support the various charities that I am so passionate about. As most of you know we are huge on giving back. We hope you all have a wonderful Christmas/New Year. Anita

09.01.2022 A chat about what we feel is happening with the property market. Feel free to share if you like xx

09.01.2022 We are usually closed this week but we are doing 4 hours each day (except Friday) to keep the client files moving forward. If you have a loan on the go with us at the moment your file will not be slowed up by the Christmas break this year. The banks are working and we are working half days. Hope everyone is enjoying their break.

07.01.2022 WHY US??.... because we are passionate about what we do, we are very good at what we do, and just quietly..... WE LOVE IT!!!... Give us a call and we'll do it all for you too!! NSW: 02 4919 0478... QLD: 07 5613 1888 See more

06.01.2022 Do you know the interest rate on your loan? Call us today, we can discuss more than just interest rates! You might benefit from giving us a call! :) NSW: 02 4919 0478 ... QLD: 07 5613 1888 Or book an appointment using the below link! https://calendly.com/advancedfinancesolutions

02.01.2022 Interesting information for your Sunday reading from Darren from Stratprop. Don’t forget to email us if you have questions about finance [email protected]

01.01.2022 It is not too late to donate a bag to the It's In The Bag charity - the bags can be dropped at Bunnings anytime between now and 29th November. We have donated 2 today. :) What is 'It's In The Bag'? Each year the ‘It’s in The Bag’ campaign gives vulnerable women and girls a reason to smile over the festive season. This collaboration with Share the Dignity restores dignity by sharing handbags filled with essential hygiene products, plus a few extra treats. ‘It’s In The Bag’ is ...a simple idea which works like this: Donate a handbag in good, used condition that you no longer use. Fill it with items that will make a difference to the daily life of a vulnerable woman or girl. Be sure to include the essentials such as sealed packets of pads and tampons, roll-on deodorant, toothbrush, toothpaste, shampoo, conditioner and soap or bodywash. Add little luxuries like lip balm, new socks, a magazine - anything that would make a woman or teenage girl feel special. You can also add a thoughtful note in to the bag to show the recipient they are in your thoughts.