Alex Carrano | Property

Alex Carrano

Phone: +61 432 219 160

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23.01.2022 Manage your finances with three free apps They say 'you need to spend money to make money', but that's not always true - sometimes a free mobile app or calculator is on hand. Here are some useful ASIC tools:... 1. Savings goals calculator: this tool helps you work out how quickly you can reach your savings goals, and how to achieve them. 2. First Business app: this app can help you decide if you're ready to start a business, provides tips and ideas on developing your business network, and provides a checklist for starting your business. 3. MoneySmart Cars: this app not only gives you an initial calculation of what your car will cost, it also provides ongoing cost details and helps identify any hidden costs that may be lurking under the bonnet. Homes, businesses and cars - three important areas of life, and three areas where we can assist. To find out more, call 0432 219 160, email [email protected] or DM us. #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker

19.01.2022 What you should know about comparison websites We've all held up the line um-ing and ah-ing over ice-cream flavours, so we know that choice can be overwhelming. Rating and comparison websites can be useful for bigger purchases - like TVs, washing machines and finance products such as home loans.... But while comparison websites can give you a rough idea of what's out there, many make money from showing sponsored links before non-sponsored links, and they usually only cover certain sponsored providers and products. How do we differ? We listen: we explore your financial goals and personal circumstances so that we can offer solutions that put your needs first, not the lenders'. To find out more, call 0432 219 160, email [email protected] or DM us. #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker

19.01.2022 No one wants the worst to happen, but we like to feel our loved ones will be looked after if it does. A good comparison of Mortgage/Life insurance between your Super cover and MPP from ALI. http://ow.ly/Yph150AAIwE

15.01.2022 Here are 5 common reasons why your home loan application might get declined Getting rejected is never nice - especially so for a home loan. So, with that in mind, here are 5 common reasons why home loan applications can be declined.... 1. Your spending habits are a little too ... lavish. 2. Your credit history has a checkered past. 3. No proof of genuine savings. 4. Your employment situation isn't as stable as the lender likes. 5. You haven't saved a large enough deposit. If you're thinking of applying for a home loan soon, we'd love to help you get that all-important stamp of approval. To find out more, call 0432 219 160, email [email protected] or DM us #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker See more

15.01.2022 Tempted to use Afterpay? Read this first Afterpay can certainly be tempting (particularly when late night shopping), but it can lead to consequences that linger long after the new shoe glow has faded. While the Afterpay approval process doesn't (generally) involve credit report checks, Afterpay (and its competitors such as ZipPay) is still a credit liability that needs to be disclosed when applying for a home loan. ... And with the banks pretty rigorous when it comes to approving loans these days, your next property purchase could be held up if you’ve racked up an Afterpay bill. So next time your finger is hovering over the Afterpay button, ask yourself: how will this look on my loan application? #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker

15.01.2022 Is your business in need of working capital? Great news for SME owners seeking an affordable loan: the government has extended (& expanded) the Coronavirus SME Guarantee Scheme beyond September 30 until the EOFY. What's this scheme about? Well, it basically involves the government guaranteeing 50% of each new loan issued to SMEs by eligible lenders, which allows the loans to be offered more cheaply and more freely" compared to ordinary business loans*. ... To find out more about the SME Loan Guarantee scheme for your business, call 0432 219 160, email [email protected] or DM us. *Source: Australian Banking Association #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker See more

14.01.2022 Beware the 'September Cliff!' Remember that September financial cliff everyone's been talking about? Well, it's fast approaching. Jobkeeper 2.0 begins from October, which means if you've been relying on it to pay off your home or business loan over the past few months, it's time to consider your transition plan.... If you’d like to explore some potential financing options, call 0432 219 160, email [email protected] or DM us. #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker See more

14.01.2022 How to pay off your home loan 4 years faster Paying an extra $50 a week off your mortgage could put you years ahead on your loan. Now, we know that's a lot of money right now, but let's put it this way: paying an extra $50 a week on an average $400,000 mortgage could save you $46,992 in interest and pay off your home loan four years faster.* ... Even $20 a week could save you $21,281 in interest and pay off your loan 1 year and 9 months faster. Shout out if you'd like more tips on paying off your mortgage sooner or you want to discuss your refinancing options. We're always available - call 0432 219 160, email [email protected] or DM us. *Source: AMP #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker

13.01.2022 Has your dream home location changed since COVID-19 hit? With so many more people working from home since COVID-19 hit, home seekers are now less likely to opt for higher density living in cities. Instead, spacious living is now top of the agenda, with a third (34%) of would-be buyers wanting to live somewhere less populated, another third wanting to be closer to either parks or shops, and one in five seeking suburbs with larger properties. ... Has the pandemic changed your priorities when it comes to your ideal home? *Source: Westpac survey #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker See more

09.01.2022 Are there ways your business could improve cash flow? Poor cash flow typically causes more than half (51%) of all Australian business insolvencies,* and the COVID-19 pandemic has left even more businesses than usual under pressure. But if your business is having cash flow difficulties, there are some financing solutions that can help.... To find out more call 0432 219 160, email [email protected] or DM us. *Source: ASIC insolvency reports #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker

08.01.2022 Hey, what's up with those 0% car finance offers? When something sounds too good to be true, it probably is. Those 0% car finance offers spruiked by dealerships are no different, because they'll usually sell the car at a higher price than you’d be able to purchase it upfront for.... Hidden charges and establishment fees might also be lurking under the bonnet. How can we do it better? Well, not only is our job to get you a loan with a low rate, but to negotiate on your behalf to ensure you pay a low price for the vehicle. We'll also make sure you're aware of all the relevant fees and charges that may be lurking in the fine print. So if a hot set of wheels has caught your attention, call 0432 219 160, email [email protected] or DM us #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker See more

08.01.2022 Is now the time to lock in your rate? Well, it all depends on your individual circumstances, preferences and loan. You might want to lock in a rate if you: ... - won’t suffer from FOMO if rates drop further. - are concerned you'd be unable to make repayments if rates rise - prefer to plan your finances accurately On the other hand, you might prefer not to lock in a rate if you: - don’t mind having some unpredictability in your financial planning - prefer to go with market rates. - are confident interest rates will continue to fall To find out more, call 0432 219 160, email [email protected] or DM us. #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker See more

08.01.2022 If you’re looking to level up your finances, consider a flexible personal loan. With access to a range of #FreeThinking lending options, I can help you consolidate high-interest debt and get back in the game https://j.mp/30jN2Ck #GetFinancial

07.01.2022 Preparing for a valuation When you apply to refinance your home loan, your lender will arrange a valuation to estimate what your property is worth. And it's important to be prepared - according to one online lender* 1 in 7 home owners were unsuccessful in refinancing their mortgage because the value of their property had fallen. ... Here are 4 ways you can prepare for a valuation: 1. Spring clean! Whether you do it yourself, or hire professional cleaners and landscapers, make sure your house's interior and exterior are looking spick and span. 2. List your property’s features: make a list of the best things about your property and give it to the valuer, just in case they miss that newly-installed double garage. 3. Local community developments: share a list of any upcoming community developments, such as a public transport hub or you-beaut bike path. 4. Dig out some paper work: if you have building plans, council rates notices and/or land tax valuations, make them available to the valuer. For more info on refinancing, call 0432 219 160, email [email protected] or DM us. *Source: State Custodians #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker

07.01.2022 Has COVID-19 made you a more conscientious saver? It has for half of young Australians, with 49% saying they're now planning to save more than they did before COVID-19*. So how about you? Has all that's happened this year sharpened your focus on saving for the future? And if so, what are you saving towards?... *Source: Westpac survey #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker See more

04.01.2022 Ever thought about downsizing? You're not alone. In fact, more than half of Australians over the age of 55 are open to downsizing*. One key concern that puts people off downsizing, however, is financial factors associated with their existing mortgage.... But rest assured there are options available - and we'd be happy to talk you through them. So if you'd like to find out more about making your downsizing dreams a reality, then call 0432 219 160, email [email protected] or DM us. *Source: AHURI #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker See more

03.01.2022 We all want to grow our wealth. A registered Finance Adviser is always recommended. Here is a good place to start your research. https://moneysmart.gov.au/how-to-invest/investor-toolkit

03.01.2022 What is a Mortgage Broker and what can we do? https://moneysmart.gov.au/home-loans/using-a-mortgage-broker

02.01.2022 How to avoid identity theft 1. Limit the amount of personal information you make available about yourself on social media, and don't click on random email links and attachments. 2. Shop online with caution - only provide your payment details to websites that begin with "https". ... 3. Pay attention to your bank statements and regularly check for irregularities. 4. Check your credit report online to see if any new accounts have been opened in your name. If this seems like overkill, consider that one in five Australians have had their personal information stolen at some point.* And if the thieves go on a spending spree in your name - taking out credit cards, and withdrawing money from your account - you could find it mighty hard to take out a loan on your next property. *Source: Veda #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker

01.01.2022 Ever wanted to add a granny flat to your property? How about this!? Did you know building a granny flat could add around 27% to your rental income and/or boost the value of your home by 30%?* (and help keep the in-laws at arm's length!) Constructing a two bedroom granny flat requires an initial investment of up to $200,000, on average, while a one bedroom flat costs about $120,000. ... So, if you've ever thought about building one and need finance, then call 0432 219 160, email [email protected] or DM us. *Source: CoreLogic and Archistar #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker See more

01.01.2022 Would you allow pets in your investment property? While you might have some reservations about four-legged tenants, stats show that landlords who allow pets can boost their rental return by as much as 30%.* In almost every Australian capital, the median asking rent for a pet-friendly apartments is higher than for homes that don’t allow pets. ... But what do you think? Would you rent to pet owners? Or do you have a horror story to share? *Domain #perth #perthbroker #perthfinance #perthhomeloans #finance #broker #commercial #loan #mortgage #B2B #onlinebroker See more