Antonio Eftimovski, Smartline Personal Mortgage Adviser | Mortgage brokers

Antonio Eftimovski, Smartline Personal Mortgage Adviser

Phone: +61 407 099 900

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25.01.2022 RBA has just announced a historic rate cut! The cash rate has reached a new record low of 0.10%. Find out what this means for you if you have an existing home loan and also what it could mean for you if you're a first home buyer. ow.ly/i0i4102r7rg

25.01.2022 The RBA has announced that the cash rate will remain on hold at the historically low rate of 0.25%. You can read the full statement by Philip Lowe (RBA Governor) on the decision below. And if you have any questions about interest rates or your loan, please feel free to get in touch to discuss. ow.ly/hx7O102oCUJ

25.01.2022 Whether you're interested in taking advantage of the recent rate cut or cash back offers; or set up a savings plan to help you buy, invest or renovate; or want to understand your financial options during this uncertain time, I'm here and ready to help. Give me a call if you'd like to discuss in more detail.

25.01.2022 Are you looking for a smarter home loan variable rate? I'm here to help, give me a call if you'd like to find out more. ow.ly/GiuL102eefw

24.01.2022 COVID-19 has generated a new normal to which we all have to adjust. Here’s an outline of what’s changing right now and how to keep on top of your finances. ow.ly/7Ixu102nWMK

23.01.2022 When you're starting the process of buying a house, it's hard enough trying to find a property, let alone secure a loan too. And then throw in the mix first home buyer grants and schemes - there is so much to be aware of. The good news is, I can help simplify all of that for you, find out what you're eligible for and help you through the entire process. If you'd like to make buying your first home easier, give me a call on 0407 099 900.

23.01.2022 A new financial year is a great time to review your home loan and make sure you're planning to get ahead. Get in contact with me today to get your home loan working for you.

23.01.2022 Nerida Conisbee, Chief Economist at REA Group, explains what the stage 4 lockdown means for real estate in Melbourne. ow.ly/X8bc102kMUQ

23.01.2022 Tax time is around the corner and things have drastically changed, now that so many people are working from home, due to the pandemic. It's a good time to get your finances in order to make sure you're ready to claim everything correctly. If you'd like to organise your finances, I can assist. Give me a call on 0407099900 to discuss.

21.01.2022 Even though we're in a recession, we're not seeing a collapse in house prices. Nerida Conisbee, Chief Economist at REA Group, outlines 6 key reasons why house prices aren’t falling.

21.01.2022 So it’s been 6 weeks and your loan hasn’t been approved yet? We can help!

21.01.2022 The Reserve Bank of Australia has announced that in its Board meeting today, it has decided to keep the cash rate unchanged at 0.25%. You can read the full statement by Philip Lowe (RBA Governor) on the decision here. ow.ly/grQK102eGpF

20.01.2022 Can you really afford to not review your mortgage? There are a few strategies you can explore to pay off your mortgage sooner; one is reviewing your home loan to see if you can potentially save money. There are many competitive rates out in the market at the moment, so if you'd like to find out more or discuss what they are, I'm free for a chat.

20.01.2022 Today is International Women's Day - A celebration of women's achievements. Let's raise awareness against bias and take action for equality. An equal world is an enabled world. #IWD2020 #EachforEqual ow.ly/JJ45102be57

20.01.2022 Are you wanting to get into the property market to purchase your own home or purchase an investment property but are dreading the process of securing a loan? Well you're not alone! I have helped many clients secure a home loan and helped ease the stress involved in settling a loan. If you're in the market and need that extra support, I'm here to help.

19.01.2022 Are you looking to capitalise on the EOFY car sales? I can assist with securing a great rate on your car finance so you don't end up paying too much. I also have access to a car buying service which means you choose the car and we'll do the rest - find a great price for the car, secure the finance and even deliver it to your front door with a full tank of petrol. If you'd like to find out more, please get in touch. #finance #newcar #newcarsmell #getmoney #makeitcount #makeithappen

19.01.2022 Tossing up between lenders is hard enough, not to mention, having to consider different loan structures and interest rates. If you're overwhelmed at the home loan process, I can assist. Give me a call on 0407099900 and I’ll do all the heavy lifting for you.

18.01.2022 There are many benefits of using a Smartline mortgage adviser, here are just a few: 1. I value your business and will treat you like a person, not just a loan number. 2. I will provide expert advice based on your situation. 3. I have access to smart technology ... 4. You will have a trusted person in your corner With tax time nearly upon us, it's the perfect time to review your home loan. If you'd like some assistance with this, I can help. Give me a call.

18.01.2022 It’s quite common to accumulate a number of loans, particularly as you move through different stages of your life. Refinancing debts and consolidating them into one loan can be a great way to save money and get back in control of your finances. Find out more here. ow.ly/iWJW102kyau

18.01.2022 Building or renovating is a great way to create your dream home, but there is a lot to think about. If you're considering some home improvements over the holiday season and need to understand your finance options, give me a call to discuss. #diy #diyprojects #building #homedecor #homeimprovement

18.01.2022 I’ve helped hundreds of people buy a house and experience the joy of owning a home. When I meet them in person for the very first time, their story is always the same: We want to talk to a real person, about our needs and at our convenience with someone that has our best interest at heart but our bank didn’t listen Nothing makes me happier than helping my clients achieve their dreams. I can do so much more for them working with 30+ lenders as opposed to just one bank. It’s an emotional investment and I’m right there with you, side by side, invested. You deserve to own your home, Let’s Talk!

17.01.2022 Sometimes you need to treat yourself!

16.01.2022 Under the HomeBuilder scheme, homeowners looking to spruce up their houses and apartments could be eligible for a $25,000 grant to cover the cost of the job. Realestate. com. au data has analysed current listings to find the suburbs that have the highest proportion of renovation-ready properties. ow.ly/fax4102hr1m

15.01.2022 You may have an expansive backyard that you simply don’t use or if you have recently invested in a large block of land that is ideal for units, townhouses, duplexes or multi-dwelling developments. The team at New Edge Studio can help you unlock your property’s potential.

12.01.2022 MYTH vs. FACT - Myth: If you can get a deferral on your loan repayments you should take it because it means you may not have to pay interest for up to six months. Fact: It is recommended you keep making your usual loan repayments if possible, since deferring your repayments increases the overall cost of your loan. This is because the interest you incur during the deferral period will be capitalised (i.e. added on to your mortgage), so you will need to either increase your interest repayments after the deferral period or extend your loan term; both of these will increase total interest. Additionally, any available redraw on your loan may be used first by your lender to make your repayments during the support period. Therefore, if you need access to this money during the support period, consider transferring it to another account now.

11.01.2022 It’s not unusual for borrowing to get more difficult and more complicated during an economic downturn. I can help navigate the complexities of lending and also have access to a large panel of lenders that I am constantly keeping track of policies changes. Getting good advice from a broker can help you successfully manage your finances through an economic slowdown while minimising any long-term impacts on your personal wealth. ow.ly/Ua5Y102gfTA

11.01.2022 The Federal Government’s new HomeBuilder scheme offers eligible owner-occupiers a $25,000 grant towards building a new home. I can help you choose the right finance option for your construction project and will be able to guide you through the process of applying for the HomeBuilder grant. Give me a call on 0407 099 900 to find out more.

11.01.2022 Want to find out how the real estate market performed over the past week? You can view the national auction results and also drill down to your state or suburb here. ow.ly/w5k3102hOfl

11.01.2022 With interest rates this low, it's a great time to make sure you're on the most competitive rate. Give me a call if you'd like to find out if a fixed rate is right for you. ow.ly/8zdz102iQ36

09.01.2022 Recent data from realestate .com .au shows enquiries made to residential agents recently increased on the back of the Federal Government’s Homebuilder stimulus announcement. ow.ly/1bsn102k0Lv

09.01.2022 Having anticipated the recent bans on auctions and open for inspections, realestate. com .au has launched a new virtual inspection tool which will allow buyers and sellers to remain in business. ow.ly/jO6i102djl9

09.01.2022 Building a new home can be both exciting and stressful, all at the same time. If you're looking to build a new home, I can assist and provide guidance at every step of the way. I can even help you find out if you're eligible for the HomeBuilder Scheme. If you'd like to talk about your financing options, please give me a call on 0407 099 900.

08.01.2022 Happy Easter to everyone from us here at Smartline.

08.01.2022 Is your goal this year to purchase your first home or first investment property? I can help secure the finance for this so you can focus on finding the right home. If you’d like to discuss in more detail, please give me a call.

07.01.2022 'Twas the night before Christmas... I hope everyone made it on the nice list this year and has a little gift waiting for them under the tree tomorrow.

07.01.2022 Reviewing and consolidating your loans can make managing your finances more convenient and potentially save money, helping you become debt free sooner. If you'd like to review your situation and find out if you could pay off your mortgage sooner, please give me a call.

05.01.2022 Is it time to fix your home loan interest rate? With so many changes in the market and the recent cash rate cuts; some home loan interest rates are at historic lows. If you're wondering if it is a good time to fix your home loan, give me a call. I'd be happy to talk through your situation and see if it's the right decision for you.

04.01.2022 Did you know? Some lenders are offering cash bonuses of up to $4,000 when you refinance your home loan. If you'd like to find out if you're eligible, give me a call on 0407099900

04.01.2022 Government grants: don’t miss the deadline! The pandemic instigated a number of new government grants and schemes designed to support the property and construction industry. However, a number of important deadlines are fast approaching, so if you have been thinking of taking advantage of any of the following offers, you need to act now. If you're interested in the Federal HomeBuilder grant or any other state government grant, get in contact with me today so I can find out if you're eligible.

03.01.2022 Would you like to find out if there is equity in your home? This could be used towards renovations or to start an investment portfolio. I'd be happy to review your situation for you, feel free to give me a call on 0407099900 to discuss.

02.01.2022 The process of securing a home loan is becoming more difficult and time consuming. If you'd like someone to take the stress out of securing a loan for you, I'd love to help. Give me a call so we can discuss your unique situation.

01.01.2022 If you can think of it, the team at New Edge Studio can turn it into reality.

01.01.2022 Do you want to know how much you can borrow? Our calculator can help. And if you need anymore information or want to discuss your situation in more detail, I can assist. Feel free to give me a call on 0407099900. ow.ly/bYrk102f2hS

01.01.2022 The traditionally busy spring selling season is likely to be flatter this year, but property experts predict that pent-up demand will prompt a flurry of activity once the second coronavirus wave eases and Melbourne’s stage four lockdown is lifted. ow.ly/A9Eo102liVW