Archbold Financial | Mortgage brokers

Archbold Financial

Phone: +61 3 9855 2893

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25.01.2022 Theres more to say after R U OK? Learn more from @ruokday on how best to support those who arent doing ok right now. #theresmoretosay #ruok #ruokday

24.01.2022 Banks love a good acronym. Here are three you'll come across on your home buyer journey: LVR: Loan to Value Ratio is how much you're borrowing compared to the value of the property (and accounting for all fees and taxes). An LVR of 80%, for instance, means you have a 20% deposit to contribute to the purchase once you've paid Stamp Duty and other costs. LMI: Lenders Mortgage Insurance is what protects the bank on the off-chance you default... on your loan before you've had a chance to build up your equity. Generally you'll have to take out this insurance if you have a smaller-than-usual deposit (as you'll be considered a bigger risk). SVR: Standard Variable Rate is the interest rate of a lender's 'standard' home loan. These loan products usually include a lot of bells and whistles, and so will be more expensive than a basic variable loan. Any questions on home loan jargon? Send us a DM See more

23.01.2022 Words to live by. Life is for living. Not obsessing about money, stressing over the small stuff or working yourself to the ground. We get that life is not smooth sailing for a lot of people in our community right now, but we hope that you're taking time out where you can to enjoy the little things.

22.01.2022 Whether youre after lower repayments or want to tap into the equity sitting in your home, refinancing can offer a world of benefits. Here are some things to be aware of so that you dont find yourself hooked into unsuitable deal.

22.01.2022 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. Heres a look at some of the reasons why people in Australia refinance their home loan.

22.01.2022 The easing of COVID-19 restrictions set off $1 billion in new mortgages across the country in June, after two months of decline, as demand from owner-occupiers picked up and investor loans grew for the first time in six months.

22.01.2022 As a business owner, its likely you have no shortage of competing demands on your capital. In your quest for growth, you might want to hire additional staff, move to bigger premises, increase production capacity, diversify your product range or spend more on marketing. Learn how Asset Finance can help your business grow.

20.01.2022 Managing multiple loans can be difficult - and stressful. One way to simplify your financial situation and save yourself time, effort and (hopefully) money is to centralise your debt. But its not always the right answer, so heres what to consider before you consolidate.

20.01.2022 As the EOFY approaches, now is a great time to make a tax deductible purchase for your business. We have a large panel of lenders for all of your Asset & Equipment Finance needs.

19.01.2022 If you didnt realise already, @archboldfinancial can arrange Motor Vehicle Finance for you. If you are interested, contact us on 03 9855 2893 #personalloans #carloan #motorcycle #car #loan #motorcycle #motor #vehicle

17.01.2022 It's true, refinancing your home loan can save you big time. But with all the noise in home loan land, be aware that there's so much more to consider than just the interest rate or the cash back offer: How much will it cost to apply?... Will you be approved and by when? What are the break fees or discharge fees? What happens if you want to pay the loan back faster? What if you need funds to renovate your property? When you add up all the fees and charges, what's the comparison rate? That is, how much is switching really costing you? See more

17.01.2022 New restrictions have hit the real estate market hard but Australias leading property experts are quietly confident home prices wont suffer a coronavirus crash.

17.01.2022 With most people at home quarantined, there is no better time then now to review your current mortgage and insurance arrangements from the comfort of your own home. Get in contact with us today to organise a no obligation review.

16.01.2022 Sometimes you just need a fresh perspective. We've helped lots of people this week start to clear their bad debt (credit cards and personal loans), so they'll have a better shot at being approved for good debt (home loans). Whether you're buying your first or fifth property, or perhaps you want to refinance, getting your money in order is the first step.

15.01.2022 The best part of our job is letting people know their dream home is within reach. Congratulations to everyone who’s made that next big step this month!

15.01.2022 Our Principal Broker Luke ready for another big NAB PD Day today from the comfort of home.

14.01.2022 Havent checked how much interest you paid on your loans for the 2020FY yet? Dont keep putting it off. Now is a great time to review them with Archbold Financial. #mortgagebroker #mortgage #loan #finance #mortgagebrokerkew

13.01.2022 Obtaining Pre-Approval is vital before purchasing your dream home. Here are some of the reasons why. #mortgage #loan #house #preapproval #finance #financetips

13.01.2022 It's amazing how much cold hard cash we're able to save our clients by refinancing their home loans. Once you've built up some equity in your property, it may be time to leverage this into a more competitive interest rate. #winning Ever feel like your bank isn't giving you the absolute best? Get in touch and we can investigate for you.... See more

13.01.2022 Investing in real estate is a long game. A lot can (and will) happen in 10, 20, 30 years. We don't see the Great Australian Dream losing its lustre any time soon. What's better than owning your own home, except maybe having an investment property or two under your belt as well... Get in touch to find out how you can climb the property ladder. See more

13.01.2022 Who's with us? Definitely not suggesting you ignore your bills, btw. In fact, protect your credit rating and pay them on time! We are HUGE advocates for being in charge of your money because it means you can put that boring stuff on autopilot and focus instead on the truly rewarding things.... Making big plans Long lunches with friends Lego with your little ones Homemade pasta Designing your dream kitchen Kicking business goals A solid 8 hours sleep Over to you. What are you hoping to do more of, or less of? See more

12.01.2022 We have noticed quite a few of our new commercial clients are unaware of the differences between chattel mortgages vs leases vs hire purchases. In this three part post, we will be explaining the benefits and GST implications that come with purchasing an Asset or Equipment for your business. Beginning today with Chattel Mortgages. Go to https://archboldfinancial.com.au/news to learn more. #assetfinance #equipment #finance #machinery #cars #bikes

12.01.2022 @tilesoftomorrow completing their first deliveries with the new truck they recently purchased and financed through @archboldfinancial Congratulations again @lukeewall, it looks great! #assetfinance #truck #delivery #finance

12.01.2022 So, youve been working hard, doing everything to earn more. Maybe even started a side hustle. Yet you dont seem to be saving, investing, or donating more. Where has it gone? ... Think gym memberships that never get used, additional streaming services that arent needed, more meals out (ok, takeaway). The antidote? A budget! What do you think, are you a fan of budgeting?

12.01.2022 Merry Christmas from Archbold Financial! We wish everyone a happy and safe Christmas and New Year period. The Archbold Financial office will be closed from Wednesday the 23rd of December 2020 until Tuesday the 5th of January 2021. If you have any urgent matters, Luke will still be accessible via all the usual contact channels.... Check out our website for more contact information.

11.01.2022 If you want to look inside perfectly-designed homes, there are more ways than ever before, many delivered directly to your phone or social feed. When does Pinterest become inspiration overload? #designinspiration #homesweethome #architecturelovers #finance

11.01.2022 If you've got a home loan, you'll know it's easy to just 'set and forget'. What you may not know is that it's incredibly easy to get a better deal. Here's how: Step 1: Engage a home loan expert (at no cost to you). Step 2: Sit back while we research hundreds of options.... Step 3: Get excited about your brighter financial future! See more

11.01.2022 ANZ Bank chief executive Shayne Elliott says banks and regulators will need to take a flexible approach to Victorian customers hurt by stage-four restrictions, as concerns grow about the resilience of the states mortgage belt and small to medium firms. To find out more, a link to the article is in the comments.

11.01.2022 Happy Fathers Day to all the dads out there from the team at Archbold Financial. Have a great day!

10.01.2022 Dreaming of buying that new home? We can help. #mortgagebroker #mortgages #debtconsolidation #firsttimehomebuyers #homeloan

10.01.2022 Theres no denying its a strange and alarming time amid the global coronavirus pandemic. But, fortunately, life doesnt simply stop because of a virus outbreak. At the end of the day, we all need a place to live. Whilst during an unprecedented lockdown of society probably wouldnt be the best time to purchase your next home, it might not actually be as bad as first thought. Here are some experts take on the best approach for those looking to buy a property amid this ever-evolving situation.

10.01.2022 There's a lot to consider when choosing car finance. Here's what to look out for: Are you allowed to make extra payments Will you be charged for paying the loan off sooner What are the interest rates Can you choose the length of the loan... How long will it take to be approved Are there any application or account keeping fees We specialise in car finance, and will help you get a good deal.

08.01.2022 If you’re selling your property, consider covering up any polarising paint choices (90s suede trend, anyone?) with fresh, bright white. White reflects the light; is the perfect backdrop for art, and makes it easier for prospective buyers to see themselves in the home. A few tins of paint could end up significantly adding to your sale price.

08.01.2022 Compound interest has been described as the eighth wonder of the world: They who understand it, earn it. They who dont, pay it. Are you paying it or earning it? Youre probably not scrolling FB for an accounting lesson, so just ask Google if youre unsure about the magic of compound interest. It really is one to know!

08.01.2022 Wintry weather. COVID lockdown. If youve found yourself spending more time at home these last couple of months, you might be starting to notice the areas of your house that need a bit of a freshen up. And now youve got the time to do something about it. Winter can be the perfect time for the home improvements to enjoy once the weather warms.

07.01.2022 The Victorian government has announced that it is extending the First Home Owner Grant for an additional 12 months to support home buyers through the COVID-19 pandemic. Victorian Treasurer Tim Pallas said the state government would be extending the $20,000 First Home Owner Grant (FHOG) for people buying or building a new home in regional Victoria for a further 12 months. The regional grant, which had been due to end in June, will be extended until the middle of 2021. Read the article below to learn more.

06.01.2022 Happy Mothers Day to all the amazing Mums out there!

06.01.2022 Were all about staying in our lane, so you wont see us dishing out advice on medical matters, law and order or public health policy. We will, however, put our hands up to provide finance-related advice, because your finances are far too important to be left to chance, or trial and error. As the banks lending policies continue to tighten up, we can give you insight on where youve got the best chance of being approved. And getting approved for a loan right now is absolute g...old. Get in touch if you need a hand

05.01.2022 Commercial real estate transactions have slowed down noticeably as the Australian economy digests the economic impact from COVID-19, according to Andrew Schwartz of Qualitas. But despite this, alternative lenders like his are seeing a sharp increase in lending opportunities.

05.01.2022 #thankfulthursday With another lock-down week almost over, this week we are thankful for all the medical professionals on the front lines battling away day in and day out.

05.01.2022 If youve been thinking of buying a home, by now, youve probably heard that you should be shopping around for a mortgage. Whilst this advice is true, getting rates from a variety of different mortgage professionals does require a certain amount of legwork. Luckily, there is a way to make the process easier. You can use a mortgage broker. Read the article below to know what a mortgage broker is, how using one works, and why you may want to include one in your home search.

03.01.2022 Considering transforming your home from banal to brilliant, but lack the funds to support your makeover? Here are five home renovation finance options that could help turn your dream into reality.

03.01.2022 Given the magnitude of COVID-19, lenders are doing their best to support those affected by the pandemic. The big four banks were quick to give their borrowers the ability to put their repayments on pause for up to 6 months. Although this will help ease the pain for borrowers, the long lasting impacts of COVID-19 on the mortgage market and economy more broadly remain to be seen. Check out the article below to know more.

03.01.2022 Its almost pointless to weigh in on the commentary thats circulating right now around what policy-makers should do next, whats going to happen to the property market, and the economy and society more broadly. What we will say is that now is the time to focus on whats in your control, and ignore whats out of it. There has never been more of a need to get on top of your finances. Whether its a case of consolidating your debts, making sure your home loan is working for you, or optimising your investment strategy - we are here to help.