BC Home Loans | Loan service

BC Home Loans

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25.01.2022 Thanks to the many calls, emails and texts from our wonderful clients yesterday and today This answers some of the questions very well. I realise it is 6 minutes long but if you can spare some time, please view it..#brokerbehindyou https://www.youtube.com/watch?v=Qve5ky4iI1A

25.01.2022 With Rate Rises being announced almost daily, maybe it is time to get a health check on your Home Loan? You wont always be able to change lenders to the best deal possible but we have had many positive experiences to negotiate a better deal at your current lender. http://yourloanhub.com.au//how-to-get-the-most-out-of-ref/

24.01.2022 By now most people would have heard about the devastating recommendations from the Royal Commission that will harm the Mortgage Broking Industry and its many loyal clients. If all recommendations are implemented, borrowers will be forking out thousands of dollars in fees with little competition from smaller and regional lenders and will be forced in droves back to the Big 4 Banks and likely higher interest rates. If you have been helped out by us or any other Mortgage Broker... and appreciated the fee free service we provide, we ask that you assist us in trying to persuade Govt this is not in the best interests of consumers or thousands of small business owners by signing the attached online petition. Getting a loan is currently as hard as it has ever been, engaging the services of a professional to navigate the market is something that needs to be paid for by the best lender for your situation, not the client. https://www.change.org/p/federal-treasurer-josh-frydenberg- www.brokerbehindyou.com.au

24.01.2022 A relationship break up is never easy. Over the years we have helped both parties many times and can provide impartial and confidential borrowing advice. We have had quite a few queries lately so thought it a good time to post some information. Please feel free to pass onto to anyone who may be going through a tough time and are not sure what their options are.. http://yourloanhub.com.au//mortgages-and-break-ups-some-p/

21.01.2022 This week has once again seen major lenders increase rates on Interest Only Loans and Investment Loans. In some case we have seen a rise of almost 1% in the last 12 months. If you have an Interest Only Loan or an Investment Loan, this will be impacting you harder in the future. Now is the time to review to ensure you are getting the best rate possible..Please get in touch for a review.

21.01.2022 We have been fortunate to be in business long enough to have witnessed many of our clients young children grow up to become home owners in their own right. Some are able to do it alone and others require the assistance of their parents or immediate family members. With many queries lately the attached may assist somebody you know.. http://yourloanhub.com.au//want-to-help-your-kids-buy-pro/

20.01.2022 BC Home Loans prides itself on our client retention. Clients keep coming back. We have an internal electronic review system constantly reviewing our clients loans to ensure they are getting the best deal they can. If you are unsure on your current loan, please feel free to get in touch. http://yourloanhub.com.au//seven-things-to-look-for-when-/

19.01.2022 More Savings for some of our longterm ANZ & NAB clients..In the last week we have managed to get further interest rate discounts ranging from 0.15% up to a massive 0.41%..At BC Home Loans we don't just look after the initial approval. We like to monitor your loan and ensure you are getting the best rate ongoing. If you have a Home or Investment Loan and are unsure whether you are getting the best deal, please get in contact.

14.01.2022 We thought after 12 years of business, it was time for a new logo.

13.01.2022 Business as usual for now. Let’s hope it doesn’t get to this In these uncertain times it’s now a great time to make sure your on the best rate you can be. Please feel free to get in touch with any queries

10.01.2022 MAJOR SPONSOR - Thank you to Brad from BC HOME LOANS for your generous 2018 sponsorship! Members, if you need any financial services please support them as they are supporting our Club. https://www.bchomeloans.com.au/

10.01.2022 The cold winter months sees us hard at work reviewing our existing clients loans. Have you had a review lately? We don't just look at a potential refinance to a new lender. We try and get the best deal possible at your existing lender. If refinancing is the best course of action there are many incentives available to make the savings even bigger.. http://yourloanhub.com.au//refinancing-could-save-you-tho/

09.01.2022 Great advice from a fantastic Settlement Agency.

09.01.2022 With so many changes going on in the borrowing market, Is it time to consider your home loan rate options? Let BC Home Loans provide a free review. http://yourloanhub.com.au//fixed-variable-split-find-the-/

08.01.2022 Fantastic to get some support in the Victorian Parliament from the member for Deakin #yourbrokerbehindyou

07.01.2022 We get a lot of queries about this when valuing homes for refinance, Investment Purchase. We have access to RP Data Property Reports and Bank Valuations so if you are in any doubt as to your current valuation, please get in touch. http://yourloanhub.com.au//overcapitalising-what-it-is-an/

06.01.2022 Just a reminder to all our clients that we still use our subscription to RP Data/Core Logic on a daily basis. Please feel free to contact us to arrange your free property report. These can be especially helpful when looking at buying a new property or simply to get an updated report on your home and surrounds.

05.01.2022 Some interesting stats here for those wanting to get into the property market. With Household Incomes staying relatively still its proving harder and harder to get a Home Loan and trying to navigate that yourself can be intimidating. http://yourloanhub.com.au/2019/01/house-4-decades-of-change/

04.01.2022 A great article about the effect the Govt watchdog APRA is having on Banks and Lending Institutions resulting in tightening lending policies and the unintended consequences of obtaining credit in WA. Just another reason to use a Mortgage broker to navigate the best deal for you without all the headaches.

01.01.2022 ##Open for Business## We have had so many queries lately and the phone has been running hot in these unprecedented times. We are finding this is a great time to complete interest rate reviews. We also thought a quick explanation about the lenders Covid-19 hardship packages on offer may also be helpful :... 1. Most Lenders are offering a six month freeze on repayments. Although this means no repayments, interest will continue to capitalise. At the end of the 6 months you would have a choice to increase repayments a little to make up for it or increase your term by 6 months. 2. Can you still pay into the loan in need? Yes 3. Will my Offset Account still work? Yes 4. Does this impact on my credit rating? No, most lenders have stated that as long as you make the necessary arrangements with the lender, they will not negatively report on your credit file. 5. Can anyone apply? Yes, as long as you are dealing with hardship brought about by Covid 19. 6. Just be mindful that if you have say $50k in redraw or a large offset account balance, the lender in all likelihood will not approve your request. In this instance, you would need to make other arrangements such as a repayment holiday. 7. Switch minimum repayments to interest only for a set term to ease cash flow. Obviously every Lender and clients circumstances are different so please feel free to touch base with any queries. If you are self isolating or shutdown, we do not need to meet face to face, we have a range of technology platforms to enable us to do business efficiently. Thanks and Take Care Brad