Alder Tree Finance in St Clair, New South Wales | Financial service

Alder Tree Finance

Locality: St Clair, New South Wales

Phone: +61 423 929 334

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25.01.2022 To cut your expenses and increase your savings, you could start by understanding your spend. It can be easy to lose track of how youre spending money, especially due to cashless payments and credit cards. Many online banking systems include tools to categorise debits and make a budget take advantage of them. Or download an app that helps you track your personal expenses on the go, like ASICs TrackMySPEND.

25.01.2022 Top ways to cut your expenses and increase your savings 1. Start by understanding your spend 2. Find savings in the essentials 3. Reduce common overspending... 4. Costs that could be eliminated See more

24.01.2022 Is one phone call really all it takes to secure a lower interest rate? With official interest rates trending downward, shrewd mortgage holders may take the opportunity to call their lender to ask for a better deal. But when even a small interest rate reduction means potential savings of thousands of dollars, is a simple phone call really enough to get you there? #Find out more #Contact -

24.01.2022 The perfect property at an affordable price - it’s not a myth. So you’ve found your dream home, but it’s in need of a little TLC. While others may see this as a deterrent, this is actually a great opportunity to nab the house of your dreams at a price tag that’s within your means. Here’s how to tactfully negotiate the price without ruining your chances of securing the property.... 1. Never enter a negotiation empty-handed 2. Separate your emotions 3. Remember this is someone else’s house 4. If you don’t ask, the answer is always going to be no See more

24.01.2022 Mortgage refinancing reasons: defaulting Some people find they have borrowed more than they can comfortably repay, and theyre in danger of defaulting. Theres no shame in that. But dont suffer in silence. ... If youre having trouble making your mortgage repayments, talk to me about refinancing your home loan to make it more manageable. See more

23.01.2022 Mortgage refinancing reasons: lower rate The most common reason for people to refinance their mortgage is to get a better deal. But be careful you dont become interest rate-fixated. When you refinance your home loan, you need to consider fees and charges as well as the interest rate. ... You often have to pay charges for exiting your current home loan, plus charges for taking out the new mortgage. You need to be sure that in refinancing your home loan that youll be better off in the long run after taking into account all costs. See more

22.01.2022 I love helping First Home Buyers. I enjoy helping deliver a sense of euphoria. A sense of belonging. A sense of achievement when you get into your own house. 2019 is the time to make it happen.... Contact me to get started. See more

18.01.2022 Mortgage refinancing reasons: more flexibility Many people only discover the full details about their mortgage when its too late. They try to do something and get told by their lender that either they cant do it, or they will incur a hefty charge if they do. An example is a redraw facility the ability to pay extra money into a mortgage and then redraw it later. ... This feature is not possible with a basic home loan, so many people refinance their mortgage to give themselves this sort of increased flexibility. See more

17.01.2022 Mortgage refinancing reasons: home equity Over recent years in the property market houses have appreciated at a significant rate e.g. a home you bought for $500,000 five years ago, might now be worth $800,000. Refinancing your mortgage with a home equity loan might let you tap into that extra $300,000 equity.

14.01.2022 Reduce common overspending:- If you spend excessively on things like buying clothes, going out or expensive hobbies, it may be unrealistic to cut the expense entirely. Set a weekly or monthly limit and reduce that limit over time. ... To reduce gift expenses, be like Santa: make a list (and a budget). Buy only planned items within your allocated budget then stop! Ask your family for support; its easier to put a cap on gift values if everyone else does too. Another common way Aussies overspend is on holidays. Do your research and set a daily budget.

14.01.2022 In my previous post, I gave you a list of tips. Now I want to give you more information on each tip. If you dont ask, the answer is always going to be no.... Ive heard a lot of weird and wonderful requests when it comes to purchasing a house, so really you can ask for anything. Whether or not it will be accepted is another thing. From wanting certain fixtures included in the sale price, to extra inspection requests, you wont know what the owners are happy to give if you dont voice your desires. However, before you go wild with requests, think about what is most important to you, as realistically the owners arent likely to budge on everything.

14.01.2022 Is one phone call really all it takes to secure a lower interest rate? In 2019, ‘your interest rate should have a three in front of it’. But while a number of lenders offer lower rates to new customers, it’s not always so simple for existing customers to secure the same outcome. #Find out how you can get achieve low rates # Contact

14.01.2022 Mortgage refinancing reasons: renovation If you carry out renovations, it often makes sense to refinance your mortgage and take out a construction loan so you only pay interest as building progresses. Once construction is over, it might make sense to refinance your home loan again so that you consolidate the total amount you owe into a loan that minimises your interest bill, while giving you a degree of liquidity.

14.01.2022 Happy New Year! Wishing you an exciting and fulfilling year.

12.01.2022 Costs that could be eliminated Look for opportunities to eliminate costs. Cancel unused services. Update your internet or mobile plans if youre always paying for excess data. ... Ask yourself: are you really using that gym membership? Are you getting value from your subscriptions? Remember, every wasted dollar is money you could be spending on your own home.

12.01.2022 When Would I Refinance My Mortgage? Whenever it makes financial sense to do so. Heard about mortgage refinancing? ... In the past, most people who took out a mortgage doggedly continued with it until they had paid it off. These days, people refinance their mortgage much more frequently. The average duration of a home loan in Australia now is just 4-5 years. Here we look at some of the reasons people in Australia refinance their home loan. - lower rate - more flexibility - renovation - home equity - defaulting See more

09.01.2022 The perfect property at an affordable price - its not a myth. So youve found your dream home, but its in need of a little TLC. While others may see this as a deterrent, this is actually a great opportunity to nab the house of your dreams at a price tag thats within your means. Heres how to tactfully negotiate the price without ruining your chances of securing the property.... 1. Never enter a negotiation empty-handed 2. Separate your emotions 3. Remember this is someone elses house 4. If you dont ask, the answer is always going to be no See more

09.01.2022 Find savings in the essentials:- Some costs cant be avoided but many everyday expenses can be reduced. For example you could:... Move in with your parents/relatives, or move into a cheaper rental or share house (short-term discomfort can pay off in the long term). Implement tactics like meal planning, making grocery lists and buying in bulk to save money on food. Set aside a budget for eating out/take-away and stick to it. Shop around to reduce your regular bills you may get better value if you switch, or tell current providers you intend to switch. Seek discounts for taking out multiple policies with one insurer. Use the car less: take public transport; carpool with colleagues; or try walking or riding. Youll be amazed at how quickly it all adds up to savings. Make sure youre paying off debts or credit cards completely each month or as much as possible, to avoid the added expense of paying interest.

08.01.2022 Wishing you a lovely and safe Christmas. From my family to yours.

06.01.2022 As an existing client, it can be disheartening to see your bank offer new customers a lower rate to the one you currently have. Lenders regularly try to win new customers by offering low rates. It is a great acquisition strategy. #Find out how you can beat the banks. # Contact - https://buff.ly/2yWQrde

04.01.2022 If people want a better deal on their mortgage, there are basically two options: 1. Call your bank and ask them to match the new rate, or 2. Contact your broker and vote with your feet. And although the first option is commonly recommended, lenders arent always so obliging when it comes to rate-matching to get you a more affordable mortgage. #Contact - https://buff.ly/2yWQrde

03.01.2022 What is the best time of year to buy a house? While spring is renowned as the time that sellers dust off their properties and place them on the market, this doe...snt mean it is necessarily the best time for buyers to go shopping. Buyers may be better off when there are fewer buyers around in the late summer months, at least from the perspective of being able to negotiate hard on price. Use my calculator to see what you could do. See more

03.01.2022 Is one phone call really all it takes to secure a lower interest rate? In 2019, your interest rate should have a three in front of it. But while a number of lenders offer lower rates to new customers, its not always so simple for existing customers to secure the same outcome. #Find out how you can get achieve low rates # Contact

01.01.2022 Find savings in the essentials:- Some costs can’t be avoided but many everyday expenses can be reduced. For example you could:... Move in with your parents/relatives, or move into a cheaper rental or share house (short-term discomfort can pay off in the long term). Implement tactics like meal planning, making grocery lists and buying in bulk to save money on food. Set aside a budget for eating out/take-away and stick to it. Shop around to reduce your regular bills you may get better value if you switch, or tell current providers you intend to switch. Seek discounts for taking out multiple policies with one insurer. Use the car less: take public transport; carpool with colleagues; or try walking or riding. You’ll be amazed at how quickly it all adds up to savings. Make sure you’re paying off debts or credit cards completely each month or as much as possible, to avoid the added expense of paying interest.