Barton Johnson-Baxter in Melbourne, Victoria, Australia | Property

Barton Johnson-Baxter

Locality: Melbourne, Victoria, Australia

Phone: +61 401 015 922

Address: Level 9, 520 Collins St 3000 Melbourne, VIC, Australia

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23.01.2022 Buying your first home is an exciting time! Did you know that the Australian Government has two new initiatives that support first home buyers? These are the First Home Loan Deposit Scheme (FHLDS) and the First Home Super Saver (FHSS) scheme. First Home Loan Deposit Scheme (FHLDS) What is it? FHLDS helps first home buyers purchase a home sooner by providing a guarantee allowing those on low and middle incomes to buy a house with as little as 5% deposit (lenders criteria appl...y). Who is eligible? Singles and couples that meet the following key checks: an income test, a prior property owner test, a minimum age test, a deposit requirement, and an owner-occupier requirement. Get in touch soon so we can check if you meet the criteria. First Home Super Saver (FHSS) Scheme What is it? FHSS allows you to make voluntary before-tax and after-tax contributions into your super fund to save for your first home. Eligible candidates can then access these contributions and associated earnings to buy their first home. As of July 2019, there have been changes to the scheme, including only applying to buy your first home in Australia, compared to the previous version that applies to any location. Who is eligible? First home buyers who live in the premises they are buying or intend to live there as soon as practicable; and who intend to live in the property for at least six months within the first 12 months they own it. The buyer also must have never owned a property in Australia and have not previously requested a FHSS release authority. Get in touch today to learn more about these schemes and explore opportunities suitable for you. I can provide details on how each scheme works, the ins and outs, and the pros and cons that apply to your current situation. Contact me today on 0401 015 922 to check your eligibility.

15.01.2022 In a market where banks are competing aggressively for new clients, it is a great time to review whether your lender is up to par. With many banks offering refinance rebates and extremely competitive rates for new clients, it is a great time to look to refinance. The benefits of refinancing your mortgage can vary depending on your situation and financial goals. But generally, refinancing opens doors to many opportunities, such as: - better mortgage rates... - lower monthly repayments - shorter loan terms - fixed-rate options - debt consolidation Is refinancing right for you? I can help you make an informed decision by helping you to set goals and review loan options that align to your needs. Aside from having access to various loans from Australias leading lenders, I have access to a range of exclusive, flexible, and competitive loan solutions. Through this, I can work with you to find a loan tailored to your circumstance. To learn more about refinancing, get in touch with me today!

14.01.2022 As we continue to ride the roller-coaster of 2020, we understand your situation may change during these uncertain times. For this reason, its a good time to review your home loan and potentially leverage opportunities available to ensure you have the right loan to suit your needs. While some things are uncertain, what we do know is interest rates are currently at an all-time low, which also presents opportunities. So with this in mind, it could be the perfect time to consider a fixed rate home loan, which allows you to lock in the an interest rate for up to 5 years (depending on the lender). To find out more and whether a fixed rate home loan will suit your financial needs, give me a call to discuss your options.

08.01.2022 When was the last time you reviewed your home loan? It is important to regularly check your existing home loan to see if it still works for you or if its time for a home loan refresh. Do you know if your home loan still fits your property goals for this year? As your mortgage broker, I can help you achieve your property goals for 2020. Do your goals include the following? - Buying your first home... - Buying and moving into your next home - Investing in property - Improving management of your expenses and cash flow - Renovating your current home If you have other property goals in mind, let me know so we can discuss the right strategies and develop an action plan, giving you the right information and resources you need. I can also review your existing home loan to make sure youre getting the best rate and check it is still in line with your financial and property goals. And if you need refinancing, I can assist you in selecting an option suited to your needs. Lets make your property goals a reality in 2020! Get in touch today on 0401 015 922 to get started with your annual loan review.

01.01.2022 I love helping first home buyers to get into the property market sooner. You can rely on my knowledge and experience to help you get over the hurdles, so you can buy a home and start building wealth for your future. Dont have a 20% deposit? I will take the time to analyse your current financial situation and see if you are eligible for a variety of special home loan products where you wont necessarily need a 20% deposit. Youll be surprised at the number of alternative opti...ons available. Can you afford a property right now? Ill also help you to set your budget so you can see what property you can afford right now. Whats available to help first home buyers? There are many new incentives available for first home buyers increased government grants, ways to save a deposit using your super, lenders offering special discounts on interest rates. All these things could work together to help you buy a property sooner, with expert advice from your mortgage broker. So why not give me a call? Id really love to help and my services are free.