Ballarat Lending Centre P/L in Ballarat, Victoria | Mortgage brokers

Ballarat Lending Centre P/L

Locality: Ballarat, Victoria

Phone: +61 3 5332 7567

Address: Level 1 2/88 Mair St 3350 Ballarat, VIC, Australia

Website: https://ballaratlendingcentre.com.au

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24.01.2022 In a world of uncertainty, theres one thing we know - interest rates are incredibly low right now. If youve had your home loan for a few years, its a good time to review your loan to see if you could save and check its still the right loan to suit your needs. If youd like more information about how you may be able to benefit from refinancing your home loan, contact Nigel Keating today on (03) 5352 4738 or [email protected] ... For background on Ballarat Lending Centre, visit http://www.ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

24.01.2022 For a streamlined, professional approach to applying for a loan, visit Nigel Fitzpatrick. Hi Nigel, Thank you for your recent loan application in the name of ............. We would like to take this opportunity to also thank you for the completeness of the application. We were impressed with how well you packaged the application. The attention to detail, detailed notes and calculations provided enabled us to assess the application quickly and we hope that this resulted in a positive experience for you and your client(s). We acknowledge the time and effort you took to fulfill all the requirements and we wanted reach out to say well done. We truly value and appreciate your ongoing support to ING and look forward to assisting you going forward. Regards, Luis. ING Mortgage Operations

23.01.2022 When is the best time to refinance your home loan? As a home owner with a mortgage, chances are youve heard of the term refinancing. Refinancing involves reviewing your current mortgage, and potentially swapping your loan to another lender who can better meet your current needs, wants and circumstances. Refinancing can also allow you to consolidate your debts or pay down your mortgage more quickly. Another common reason borrowers look to refinance is so that they can acces...Continue reading

23.01.2022 Let us help you seek to SAVE MONEY on your HOME LOAN. After people get a home loan, they often do not revisit the terms and competitiveness of their loan. We can take this laborious task away and review clients loans to see if they could do better. The problem with a sit and forget approach with your home loan is that a loan may become expensive compared with other loans in the market, potentially resulting you paying a lot more than you would with another loan product.... If youd like more information, talk to Nigel Keating today about how you may be able to benefit from refinancing your home loan. Contact Nigel Keating at Ballarat Lending Centre today on (03) 5352 4738 or [email protected]. For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

23.01.2022 Keep an eye out for the new Carringum billboard. Located in Carngham Rd.

20.01.2022 Our office will be closed Friday 23rd October due to the Grand Final Public Holiday. Enjoy the Grand Final and may the best team win! Our office will resume normal trading hours of 9am -5pm Mon 26th October... If you have any urgent queries please do not hesitate to contact Nigel on 0417 518 994 or email [email protected]

19.01.2022 As a homeowner with a mortgage, there is a way to save more without impacting your lifestyle. We’re currently experiencing some of the lowest interest rates in history, which could present a great opportunity for you to refinance and potentially save a lot of money. Whether your situation has changed recently, or you'd like to review your current home loan to make sure it's still the right one for you, we can help.... Get in touch with Nigel Fitzpatrick today to find out more by phone on 0417 131 494 or email at [email protected]. Or visit our website - www.ballaratlendingcentre.com.au Ballarat Lending Centre. ABN 12 620 088 413. Credit Representative 475246 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

18.01.2022 Are you planning to build a new home or renovate an existing home? Provided you meet certain criteria, the $25,000 HomeBuilder grant for new home builds and renovations could assist. To be eligible for the HomeBuilder scheme, you must: Be an Australian citizen aged 18 years or older and be an individual, not a company or trust.... Be on an income of less than $200,000 for couples, and $125,000 for singles. Be spending between $150,000 and $750,000 on a renovation for a home that has been previously valued at less than $1.5 million. Be building a new home worth less than $750,000 (this includes land value). The tax-free grant will apply to all owner-occupiers - not just first home buyers. All dwelling types (house, apartment, house and land package, off the plan, etc) will be eligible under the HomeBuilder scheme. The scheme will not apply to owner-builders or those who are planning to build a new home or renovate an existing home as an investment property. The grant also cannot be used for additions to the property that are not connected to the home, such as swimming pools, tennis courts, outdoor spas and saunas, sheds or garages. The grant will be offered for contracts entered into between 4/6/20 and 31/12/20. Construction must be contracted to begin within three months of the contract date to be eligible HomeBuilder complements existing state and territory First Home Owner Grant programs, stamp duty concessions and other grant schemes, as well as the Commonwealths First Home Loan Deposit Scheme and First Home Super Saver Scheme. If youd like more information, talk to Nigel Keating today about how you may be able to benefit from refinancing your home loan. Contact Nigel Keating at Ballarat Lending Centre today on(03) 5352 4738 or [email protected]. For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. Source: savings.com.au, 4/6/20 *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

12.01.2022 OWN OR LOOKING TO PURCHASE A COMMERCIAL PROPERTY IN A CITY WITH A POPULATION OF AT LEAST 100,000? We have access to various lenders who have commercial and business loans to suit the owner operator or investor with loan terms of up to 30 years, loan-to-valuation ratios up to to 80%, including Lease-Doc type facilities where loan servicing is totally reliant on net lease income alone without the need for financial statements or tax returns. Your full financial situation would ...need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. Call Nigel Keating today for a chat about your options on 0417 518 994 or email [email protected]. Visit our website at www.ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

10.01.2022 GREAT NEWS if you are wanting to build a new home or renovate an existing one! The Australian government has recently announced a HomeBuilder scheme that will provide eligible owner-occupiers (including first home buyers) with a tax-free grant of $25,000. To access the grant, owner-occupiers need to meet the following criteria: - You are a natural person (not a company or trust) - You are aged 18 years or older... - You are an Australian citizen - Your building contract is entered into between 4 June 2020 and 31 December 2020; - You build a home as a principle place of residence where the house and land value does not exceed $750,000 OR you substantially renovate your existing principle place of residence and the renovation contract is between $150,000 and $750,000 and the value of your existing property does not exceed $1.5 million - Construction commences within 3 months of the contract date - You meet one of the following two income caps: - $125,000 p.a. for an individual based on your 2018-19 tax return or later -$200,000 p.a. for a couple based on your 2018-19 tax return or later To find out more, visit https://treasury.gov.au/coronavirus/homebuilder With interest rates at an all-time low, now is the perfect time to take advantage of this opportunity. Contact Nigel Fitzpatrick at Ballarat Lending Centre today on 0417 131 494 or [email protected] to discuss your eligibility and to help you with a competitive loan. For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 475246 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

10.01.2022 Saving for a home loan deposit is now more achievable than ever. With interest rates at an all-time low and government assistance such as the First Home Loan Deposit Scheme (FHLDS), the First Home Super Saver (FHSS) scheme and the HomeBuilder grant, your first home could become a reality sooner than you expected. There are a few things to consider when saving for your home loan: How much do I need to save? Your living expenses could affect your borrowing capacity, here’s why.... What other expenses should I plan for during the purchase process? Are my goals achievable? Does my budget align with my goals and my lifestyle? Here are some tips on budgeting. Will I be able to manage my repayments once I have the home loan? As your broker, I can help tailor a plan that will suit your current financial situation and get you on your way to that first home you’ve always dreamed of. Contact me today to take those first steps to making your dream become a reality. Contact Nigel Fitzpatrick at Ballarat Lending Centre today on 0417 131 494 or [email protected]. Credit Representative 475246 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

08.01.2022 Saving the deposit for your first home can be difficult and take a number of years. One way to potentially get into your own home sooner is by having a family member act as a guarantor. Many lenders allow parents or someone who is close to you, to use the equity in their property as security for your home in lieu of you saving the full deposit required. This person is known as a guarantor.... For more information, contact Nigel Fitzpatrick at Ballarat Lending Centre today on 0417 131 494 or [email protected]. Credit Representative 475246 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

06.01.2022 Do you want to PAY OFF your HOME LOAN quicker? Or do you want to reduce your HOME LOAN repayments to release funds to spend on something you would like? If so, let us help you SAVE MONEY on your HOME LOAN. Many people have a sit and forget approach with their home loan, and the loan may have become much more expensive compared with other loans in the market, potentially resulting in paying a lot more than they would otherwise have to pay.... If youd like more information, talk to Nigel Keating today about how you may be able to benefit from refinancing your home loan. Contact Nigel Keating at Ballarat Lending Centre today on (03) 5352 4738 or [email protected] For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

02.01.2022 Are you a NURSE or ESSENTIAL WORKER looking for a home loan? We can help you find a suitable loan. The policies of different lenders can affect the amount an essential worker can borrow. For example - Not all lenders will include 100% of your shift penalties and overtime income when assessing the income available to service a loan.... - Not all lenders will include untaxed salary sacrifice as non-taxable income and this assume this income is taxed. If youd like more information, talk to Nigel Fitzpatrick today about how you may be able to benefit from refinancing your home loan. Contact Nigel Fitzpatrick at Ballarat Lending Centre today on 0417 131 494 or [email protected] For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 475246 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.