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Bella Lee Financing

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25.01.2022 Bella Lee Financing is 1 today! Thank you so much to my Family, Friends & Clients for your never ending support and encouragement. I couldn't be on this journey without you!

24.01.2022 Take action today. Head to http://keepcompetitionalive.com.au/ and email your local MP. #keepcompetitionalive

23.01.2022 When was the last time you had a Mortgage Makeover???

23.01.2022 Thanks to Cassie and her team at The Happy Hens Eggs for the 5 dozen full and fresh delivery Thanks to Sue Collins for the yummy bacon Thanks to Thurgoona... Bakery for the rolls Our 50 peeps on our Bus trip will be starting the day off well !

23.01.2022 With the uncertainty of the federal election behind it, the RBA has decided to reduce the official cash rate to 1.25% as it tries to stimulate household spending and the economy. This is the first rate move since August 2016.

22.01.2022 An important announcement for customers impacted by the ongoing bushfire crisis: NAB customers who have lost their homes can immediately access a $2000 grant to... assist with their urgent needs such as food, clothing and temporary accommodation. These funds will be deposited directly into customer accounts as early as next business day. We have set up a dedicated phone line for those needing assistance. Please call us on 1300 683 106 to find out how to immediately access these grants. This is part of a $1 Million Disaster Relief Fund that NAB has today announced to help people affected by fires across Australia. NAB employees who have had to evacuate their homes can also access a $1000 grant. Other measures available to assist customers include: * Suspending home loan repayments * Credit card and personal loan relief * Support to manage regional and agri banking facilities * We have made NAB’s Employee counselling and assistance program available to all affected customers We’d again like to thank all our employees who are serving as volunteer fire fighters in this difficult time. NAB offers unlimited paid leave to emergency service volunteers, in addition to all other leave entitlements, and we thank them for their brave service - especially as some of them are themselves personally impacted by these fires. Our Chief Customer Officer, Mike Baird, has been in regular contact with our bankers and staff on the ground in affected areas and today said: I have heard the grief in our bankers’ voices as they grapple with making sure our colleagues are safe and, at the same time, are dealing with the impact more broadly on their own communities. There are horrific tales of lost homes, lost livelihoods and, most tragically, lost loved ones. Many families and businesses face an uncertain future and we want to do all we can. Customers in need of support should visit their local branch or call our NAB Assist team on 1300 683 106. In addition, any Australians who wish to donate to help Australian Red Cross’ support efforts in these communities can do so at any NAB Branch across Australia or by logging into NAB Internet Banking.

21.01.2022 Canberra Town Hall Meeting confirmed with the Shadow Assistant Treasurer and Member for Fenner, Dr Andrew Leigh Tuesday 19th March. Keep an eye out for more d...etails coming soon. As an industry, we need our local politicians to hear our stories directly from Australian brokers and customers. We’re organising a national calendar of ‘Town Hall’ style meetings. First off the rank is ACT and we'll be calling on brokers to come along with their customers to hear directly from the ALP about their response to the Royal Commission and their plans for the mortgage broking industry and customer choice. More events will be announced as they are confirmed. Having our voice heard has never been more important. If you haven't already, make sure you secure a meeting with your local MP using our campaign tool -

21.01.2022 Bikes have not been found! But Thank you so much to our community trying to help us find the A Holes who stole our Husky motor bikes from inside our house! The... bikes have not been recovered. We have cctv footage of one of the bikes riding down Rickard Rd Warimoo travelling towards the football fields with a vehicle close behind at 4.19am and 20min after the 2nd bike travelling towards the footy fields with a vehicle travelling behind on the 3rd of July 21. Bikes were stashed behind the work site shed at the end of the footy fields. If anyone has cameras on Rickard Rd, Railway Parade or surrounding areas near any fire trails from Sun Valley to Emu Plains, please contact me in 0450042491 so we can advise the police who are investigating the theft and gather more footage. Please share this post. The more shares the better! There is a reward for any info that leads to the recovery of the bikes. See more

19.01.2022 Today, the RBA announced an out-of-cycle emergency rate cut to help the Australian economy withstand the impact of COVID-19. The RBA has reduced the cash rate to a new record low of 0.25%. If the COVID-19 crisis is affecting your financial situation, please get in touch so we can formulate a plan to manage your loan repayments during these unprecedented times. The good news is that today's rate cut will hopefully lead to repayment decreases.

19.01.2022 I am so excited for all of my Clients when their dreams are achieved and I have been a part of their journey......and I love and appreciate un-expected presents :) :) 2 in one week!

19.01.2022 Happy First Home Buyers!

18.01.2022 The RBA has decided to leave the official cash rate unchanged at 1.5% for the 28th consecutive time. https://www.afgonline.com.au//cash-rate-remains-unchanged/

18.01.2022 Here is the ‘Don’t Kill Competition’ teaser campaign ad launched today. These ads will run over the coming days in the Financial Review and The Australian. My ...thanks to the 13 aggregators and other industry partners that have supported this campaign. Now is the time to make your voice heard. The success of the campaign will depend on your support. #dontkillcompetition #yourbrokerbehindyou If you want to get involved, VISIT: https://brokerbehindyou.com.au.

17.01.2022 The first cash rate decision for 2020 has been announced by the RBA with the rate unchanged at 0.75%, as it assesses the economic threat posed by the bushfire crisis and the coronavirus outbreak. The Reserve Bank will have been encouraged by positive employment, inflation and house price figures and will be hoping these threats do not undo these recent gains.

13.01.2022 The numbers don't lie - AFG mortgage brokers are now offering the greatest choice and competition for Australian borrowers that we've seen in the last decade.

13.01.2022 Why use us as a mortgage broker when looking for finance? A mortgage broker is someone who shops around for the home loan that's right for you. Whether you're in the market for your first home or building a portfolio of investment properties, we have access to hundreds of loans from a host of Australia's leading lenders. We do the hard work for you.

13.01.2022 As the world grapples with the COVID-19 situation unfolding, I wanted to let you know we are committed to helping our clients through what will likely be difficult and challenging times ahead. This is a tricky time for us all, but together we can get through it. I hope you and your families remain safe and healthy during this time. Please don't hesitate to get in touch if I can help.

12.01.2022 With Victoria lockdown we now have 4 spots left on our NSW pub crawl this Sunday We are devastated we cant take our 50 Victorian guys on their epic road trip ar...ound the North East but be rest assured it will happen as soon as we can!! But our NSW bus still has 4 spots left (due to some not being able to cross the river) $75 a ticket - bus , lunch + comp drink, bacon + egg roll + bag of goodies All money raised for Boys to the Bush - anyone keen for a great Sunday out? Its a ripper and hope you can come! PM me if you are keen

11.01.2022 Do you speak bank? Watch Melanie’s story and see the difference having a mortgage broker in your corner can make. Show your support for mortgage brokers here - https://www.brokerbehindyou.com.au/

11.01.2022 Letting First Home Buyers know their loan has been approved is one of the happiest feelings

11.01.2022 Have you done your part to support the 27,000 people working in the mortgage broking industry and keep competition alive? Visit https://www.keepcompetitionalive....com.au/ today and send a message - it takes less than a minute. Near on 1000 brokers and supporters have already sent their local members of parliament and senators a message or requested a meeting to illustrate the value mortgage brokers bring to the table. #keepcompetitionalive #AFG

10.01.2022 A lot of Lenders have enacted their Disaster Relief Packages. If you have been affected by the fires, please get in touch if you would like some help in liaising with your Bank xx Schen

09.01.2022 The Reserve Bank of Australia decided to once again reduce the official cash rate, this time to 1% in a concentrated effort to boost household spending and the ...economy in general. In making the decision to lower rates again this month the RBA has signalled its focus on supporting employment growth as it looks to restore inflation to within its target range and provide further stimulus to the economy. See more

09.01.2022 Proud to be a Sponsor of such a great cause.

08.01.2022 What a great day! Community Crew Albury

07.01.2022 Teachers Mutual Bank has announced interest rate reductions of up to 50 basis points on its owner-occupied and investor home loan offerings. Teachers Mutual Bank http://ow.ly/PLTY30nW0zd

06.01.2022 THE SAVINGS HAVE NEVER BEEN BETTER! For a limited time Peter Bowen Homes, along with our valued trades and suppliers, are offering discounts of up to $20K on AL...L new homes. This is increased to $25K for selected house and land packages in Brooklyn Fields Estate Add your $25,000 grant from the brand new HomeBuilder scheme for HUGE savings on a brand new home. First Home Buyers may be eligible for further grants! Our team is always ready and happy to answer any questions about what you may be eligible for and how to navigate the way forward. Call in to see us any day between 1-5pm in our display village. Hurry, these numbers are limited, terms and conditions apply.

06.01.2022 Morning tea @ Bella Lee! Thanks Dariah’s Delights! They are delicious

04.01.2022 So wonderful to see our I forgot lunch funds used so well - here is our music therapy classes at UPA Lavington - the smiles say it all

03.01.2022 Let me know Ladies if you would like to join us!

02.01.2022 When my Clients take the time to send me a pic of their new home marked as 'SOLD' <3 <3 <3

02.01.2022 I SUPPORT MORTGAGE BROKERS - NOT THE BANKS I supplied the following opinion piece to the Australian newspaper today. ..................... Commissioner Kenneth Hayne’s recommendations in his final report into misconduct in the banking industry has immediately jeopardised the survival of more than 17,000 small businesses across Australia. That’s the number of mortgage brokers providing loans to mums and dads, who rely on upfront and trailing commissions paid by the lender to survive. Take those commissions away and make the borrower pay, and you will decimate the industry. That’s tens of thousands of jobs, millions of dollars in tax revenue and much less competition for the big banks. The recommendations have also jeopardised more than 100 small lenders in Australia lenders that have shifted into regional areas to partially fill the void left by the big banks moving out. Those small lenders, including regional banks and credit unions, rely on mortgage brokers to reach customers. The consequences of Hayne’s mortgage broker industry recommendations will be far-reaching for small businesses, consumers and our economy. And they won’t be positive. There are several flaws in the Royal Commission report relating to the home lending market. Hayne shows little knowledge of how the mortgage market works. The first flaw is a lack of understanding about what a mortgage broker does to earn his or her upfront and trailing commissions. A mortgage broker helps a customer select a home loan based on their financial situation, needs and ability to repay the loan. They compare loans, help the customer negotiate a lower interest rate and use their knowledge and contacts within the industry to find the most suitable deal. Once the customer has decided on the best loan for them, mortgage brokers help customers fill out the loan form, liaises with solicitors before settlement and often do a full assessment of the credit-worthiness of the borrower. They are regularly responsible for chasing documents, such as pay slips, to verify eligibility. Then they submit it to the lender. Once the lender approves the loan, the mortgage broker assists with the loan documentation, liaises with the lender, solicitors and anyone else involved in the transaction to allow the customer to get the money. No-one else in the home lending sector provides a single coordination point for all this. Knowing what is going on in the market is very important if the customer wants the best deal. Which bank has the best deal for fixed-rate loans this week? What lender is looking for long term home loans? Who wants to lend to agri-businesses? Mortgage brokers know what’s going on in the market. Consumers don’t. I can’t imagine someone walking into Commonwealth Bank and being refused a loan, only to hear the customer service representative suggest they go down the road to ANZ. If the government undermines the mortgage broker community, there will be far fewer loans provided. Almost 60 percent of us use a mortgage broker. Take that service away and fewer people will buy houses. The Reserve Bank has already said the economy is vulnerable to shocks in the property market. The second flaw from Hayne recommends borrowers, not lenders, pay the upfront fee. It means the borrower will pay the fee twice. At the moment, the mortgage brokers receive a commission paid by the lender and the customer gets the loan. Under Hayne’s recommendations, the borrower pays the fee and the bank gets to pocket what it used to pay the mortgage broker. Hayne didn’t tell the banks to reduce interest rates to make up for the additional money they’ve made on the home loan. So customers will pay twice once when they set up the loan and once when they pay the interest on the loan. The only way around this is to force the banks to refund the fee to the borrower, or to have them charge a lower interest rate, at least for the first year. Hayne wants to punish the mortgage brokers and reward the banks. The third flaw is that forcing the borrower to pay the upfront fee to mortgage brokers means families will take longer to buy a house. Already it’s very tough to save for the deposit, and have enough for stamp duty, administration fees, legal and other fees. Adding another cost up front will put home ownership out of people’s reach for longer, particularly first home buyers. The fourth flaw from Commissioner Hayne’s recommendations on mortgage brokers is critical. If you undermine the mortgage brokers’ viability, smaller lenders lose access to customers and will start closing. The only winner will be the big banks. Already the number of small lenders is shrinking. Excluding the big five banks ANZ, Commonwealth Bank, NAB, Westpac and Macquarie Bank there is half the number of lenders available to home loan customers than 12 years ago. Regional banks and credit unions haven’t got the money to open up branches in Sydney or Melbourne or regional Western Australia or far north Queensland. They don’t need to because mortgage brokers do the job for them, helping them access thousands of customers. If mortgage brokers become unviable, so too do dozens of lenders. Market power shifts back to the big banks and interest rates will go up. Customers lose out. Just look across the ditch. No trail is available to mortgage brokers in New Zealand, but the upfront payment is almost twice as much as here. It’s not because the mortgage brokers are greedy. It’s because they need that much upfront commission to stay afloat. Hayne has these recommendations wrong. The Government and Labor are blindly walking into a huge trap by abolishing trailing commissions. Bill Shorten and Scott Morrison need to consult with the industry before making these sweeping changes or they risk enormous fallout. Senator for Queensland and leader of Pauline Hanson’s One Nation Party.