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Australian Property Finance

Phone: +61 1300 015 626

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23.01.2022 FRIDAY FEELS Navigating the banks in these trying times is extremely hard even for the experienced mortgage broker. With policy restrictions and changing guidelines. it’s a constantly evolving environment! Behind every bank we use, we are provided with a Business Development Manager to help us get our lodged loan applications through the system, keep us up to date with policy & product changes and just general support needed to do our job and ensure we are left with hap...py clients at the end of the process, because that is our number 1 priority! So I thought every Friday I’d give a shout out to my BDM of the week to say thank you for your support. This week is Natalie McCullough from CBA! You are the most amazing lady. The best in the business. No matter the issue big or small, you are there every step of the way (with your boxing gloves on ready to fight for every client of mine). You return every call, answer every email and are always prepared to listen to my ranting and escalate my files where necessary! I thank you for your support and guidance, you’re a legend!

20.01.2022 So it appears there is currently a baby boom happening for Australian Property Finance clients at the moment. Some born recently others currently baking and due very soon. I’d personally like to congratulate you all (too many to name) and to wish you well. ... If you need any future assistance like investigating upgrade to larger premises or renovations etc, feel free to give me a call to discuss your home loan solution. with 2 teenagers myself I’m also happy to give you some insights as to what to expect

20.01.2022 THANK YOU I just wanted to put out a gratitude post to thank all of you who have referred friends and family to use my services. I appreciate the confidence you place in me! I’m forever grateful

17.01.2022 Getting spoiled by clients tonight. Thank you Kelsey & Angus I can’t wait to see the construction progress

15.01.2022 FRIDAY FEELS Today my appreciation goes to my children. Their cooperation and assistance in running our home (cooking and cleaning) allows me the opportunity to dedicate my time (especially evenings) to my clients. I couldn’t run my business as efficiently if it wasn’t for their ongoing support, help and understanding. Thanks Jack & Jesse, I’m blessed

13.01.2022 Signing loan documents for an owner occupied purchase and investment refinance

13.01.2022 Congratulations Skye & Mitchell on your purchase today! Great addition to your portfolio! Source: https://www.realestate.com.au/auction-results/nsw

12.01.2022 MONDAY MOTIVATION

11.01.2022 Thinking of updating a vehicle or business equipment? Call or message us to discuss your finance options. Ph 1300 01 LOAN (1300 01 5626)

11.01.2022 Government Renovation Grant Here is what we know: Fund grants worth $25,000 for eligible singles and couples... Singles need to earn LESS than $125,000 based on 2018/2019 tax return (or later), couples need to earn less than $200,000 combined. Building contracts need to be executed between 4th June - 31st December 2020. To Qualify: Building a new home? Must be your principal place of residence valued up to $750,000 INCLUDING land, or renovating an existing property with an UPGRADE value between $150,000 - $750,000. Existing properties need to be worth LESS than $1.5 millionBEFORE the renovation and construction MUST be contracted to commence within three months of the contract date. The "Homebuilder" grants can be used for kitchen and bathroom renovations carried out by licensed contractors. Cannot be used for add-ons like swimming pools, tennis courts, outdoor spas and saunas, detached sheds or garages. Cannot be claimed for investment properties and owner builders are also ineligible. What are your thoughts? Unless you're planning a large renovation, the grant probably won't assist many homeowners.

10.01.2022 Makes my job so much more rewarding when I get messages like this

09.01.2022 So nice to hear from a client thanking me for assisting them and their daughter. Even more rewarding to be asked if I’m planning to retire any time soon as they are sure there will be at least one grandchild to help in the next 10 years. Services spanning over several generations and no retirement plans for at least 15 years

08.01.2022 SCAM ALERT Watch out for scammers impersonating myGov, claiming they've made adjustments to your tax return and you're eligible for a refund. If you get an ...email like this DO NOT click any links or provide your personal details. If unsure, contact the ATO directly. Report scam activity to Scamwatch via www.scamwatch.gov.au

07.01.2022 FRIDAY FEELS This weeks Friday Feels isn’t about a person, it’s about clocking off for a long weekend with lots of golf , sun & relaxation (for me anyway)! Whatever your plans, enjoy and stay safe! ... And don’t forget clocks go forward on Sunday morning gotta love daylight savings

07.01.2022 Very spoilt today

06.01.2022 B R E A K I N G N E W S Stamp Duty is being temporarily scrapped for some first home buyers Learn more: https://www.google.com.au//stamp-duty-paused-for-nsw-first

05.01.2022 love this Stoked to see clients achieving their goals #makingithappen.

04.01.2022 FRIDAY FEELS This weeks thanks goes to John Rice, my BDM at Suncorp! Whether it’s escalating a file, pricing assistance or just workshopping a scenario to ensure a great client outcome, you’re always available to guide me in the right direction. You even tolerate my outbursts and manage to calm me when things don’t quite go the way I insist! and we always manage to finish a conversation with some golf talk ... Thank you John for your ongoing support See more

03.01.2022 Making business dreams a reality! Commercial property loans & vehicle & asset finance solutions approved when other experts said not possible! And at lower rates.

02.01.2022 Your Mortgage Is on Hold. What Are the Implications? If you're taking a mortgage repayment holiday, you're probably wondering about the long term effects. What will it mean for your mortgage? How will it impact your credit score? How deferring your mortgage repayments affects interest... With the coronavirus reaping so much financial distress on so many Australians, taking a holiday from home loan repayments is a welcome relief for many. However, it's important to understand that this deferral is not a break from interest charges. The interest you incur during this period is added to your mortgage, affecting the overall cost of your loan. At the end of the payment holiday, your lender may give you the option to either increase your monthly repayments or extend the term to cover the extra interest accrued. They should also offer the possibility of a hardship plan, where they will work with you on measures to help you catch up with your commitments. As your mortgage broker, we can talk you through your options and answer any specific queries you may have. Your questions might include asking about the impact of coming out of a fixed-term or making any other changes to mortgage terms while on a repayment holiday. Does a mortgage holiday affect your credit rating? There will be no effect whatsoever on your credit rating provided your bank sanctions your repayment holiday, and you were up to date with repayments before COVID-19. When your lender formally grants you a mortgage holiday, the Australian Banking Association has confirmed that banks will apply a 'zero' to your record. This means that when you're granted a COVID-19 related deferral on your mortgage, credit bureaus are told you haven't missed a payment. This information is emulated in your credit report and reflected in your credit score. If you were in arrears before your repayment holiday, your credit score would continue to reflect that you're a higher risk. As these scores are generated from the information in your credit report, there will already be a history of late or missed payments from financial institutions, telecommunications and utilities. If you stopped making mortgage repayments but didn't get your lender's approval to take a break, this will affect your credit rating. Your missed payments will be reported to the credit bureaus as 'missing', which will affect your credit score in the same way that it would have before COVID-19. Finance Fact Consider these options as alternatives to taking a repayment holiday: Lower your repayments to the minimum Take back any extra repayments sitting in your redraw account Ask for a reduction in your mortgage interest rate.

02.01.2022 FRIDAY FEELS Macquarie Bank BDM Nicholas Ganis gets my vote this week! Impeccable service and great communication has enabled me to provide fast turnarounds & even get a formal approval in 48 hours for one client so they could get the property off the market before the weekend! You’ve ended my week on a good note thank you

01.01.2022 GOOD NEWS STORY Congratulations to Kelsey and Angus for securing a spot on the First Home Loan Deposit Scheme! Saving +$10k in lenders mortgage insurance bet you can’t wait to start building your new home! If you want to hear more on how you can secure a spot on the scheme as well as all the other First Home grants and savings available, call me on ... 1300 01 LOAN (1300 01 5626) See more