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Best Interest Mortgages

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23.01.2022 With such pressing times ahead, now is the time that we look after each other. If you are experiencing financial difficulty or anticipate hardship throughout the next few months, there ARE relief options available. The type of assistance will depend on individual circumstances and can include: - Review of your current home loan package and ... refinancing to a lower rate if feasible. - Deferral of current scheduled loan repayments. - Waiving Fees and Charges. - Interest free periods or no interest rate increases. - Debt consolidation to make loans more affordable. Please reach out for a full comprehensive review of your home loan if you need assistance during these unprecedented times. Tamara Ives BEST INTEREST MORTGAGES [email protected] 0422 972 632

22.01.2022 WHAT ARE THE COSTS INVOLVED IN BUYING A PROPERTY? These costs and fees can include include: - Building inspections... - Loan application or establishment fees - Lenders Mortgage Insurance or Risk Fees (If applicable) - Mortgage Registration & Transfer Fees - Conveyancing & Legal Fees - Stamp Duty (Exemptions may apply) If you would like an indication on these fees are and how much to allow for in your budget, feel free to contact me any time on 0422 972 632 or click the button below for a speedy response....

22.01.2022 TAX TIME & ATO BUSINESS DEBT Are you worried about business debt this tax time? I can help you find a business lending solution that suits your needs. With fast turnaround times and options for ATO debt payout get in touch today. #taxtime2020

19.01.2022 LOOKING FOR A NEW CAR? DO NOT MAKE THIS MISTAKE... When it comes to paying for a new vehicle, many Australians make the mistake of financing their car through a dealership.... More often than not, they’re paying for the convenience of on-site loans with higher interest rates and hidden fees that can add up to thousands of dollars in the long run. So let's talk about a better way to get a car loan.... I work with several lenders who will smash the rates, fees and service you'd get organising finance through a dealership. You’ll enjoy: - Low & personalised rates - Flexible loan terms to fit your goals (6 months to 5 years) - Fast approval (often as quick as 24 hours) If you’re after car finance, give me a call on 0422 972 632. I’ll find the right car loan for you.

19.01.2022 LET'S TALK PRE-APPROVAL It’s easy to get carried away when you find your dream house on the internet or attend an auction where the adrenaline is pumping and you’re ready to bid! The unfortunate reality is that most of us have budgets and unless you have a clear outline of what you can afford, you might find yourself trying to purchase something that’s out of your reach.... That’s why Home Loan Pre-Approvals are so important! Whilst there are plenty of online applications out there offering ‘instant’ results, there’s no guarantee they are accurate. Why not let a Mortgage Broker use their contacts and expertise to secure you an official, fast and low-rate Pre-Approval, so you can start viewing properties with confidence! If you have any questions, or would like me to start organising your Pre-Approval today, feel free to contact me on 0422 972 632.

19.01.2022 INVESTMENTS - WHAT CAN I CLAIM ON TAX WHEN I INVEST? Getting your loan structure right is crucial to making the most out of your assets. With the right property, negative gearing can be attractive to investors because it offers tax relief and financial gains in the long term. ... BUT WHAT EXACTLY CAN YOU CLAIM ON TAX? - Borrowing expenses such as legal costs, stamp duty and Lenders Mortgage Insurance. - Interest and Bank Fees you pay on your loan. - Real Estate Agent fees. - Rates and Body Corporate costs. - Cleaners, Pest Control services and Gardening / Landscaping costs. - Costs to secure, terminate and evict tenants. - Any decline in your property’s value. If you have any questions about Investment loan products, please feel free to contact me on 0422 972 632.

18.01.2022 REFINANCING YOUR HOME CAN SAVE YOU UP TO $58,000 OVER THE LIFE OF YOUR MORTGAGE, AND SWITCHING IS EASIER THAN YOU THINK... With refinance cashbacks available between $1,000 - $2,000, you could take a holiday with the bonus and still save on your mortgage! What are the benefits of refinancing? Well, that depends on your situation. But the benefits can be pretty significant.... - You can save some serious money. - You can repay your mortgage faster. - You can unlock equity - You can get your finances back on track - You can unlock better features Contact me to find out if you're eligible on 0422 972 632, or send me a message below.

17.01.2022 There is still plenty of time in 2019 to obtain a pre-approved home loan for you to buy the home of your dreams before Christmas! With fixed interest rates as low as 2.74%, exploring your lending options with over 40 Lenders has never been easier. Contact me for a fast response and a choice of lenders tailored for your financial situation- 0422 972 632. ... : Three Birds Renovations

17.01.2022 HOW DO I CHOOSE A HOME LOAN THAT IS RIGHT FOR ME? Choosing a Home Loan can be a daunting experience. There are endless options and mountains of information out there, so how can you be sure that you’re getting the best deal for your situation? Let’s have a quick look at the options:... FIXED LOANS: Your interest rate remains the same over the life of your loan Budgeting is made easy as your outgoing costs are the same each month. Fixed loans don’t offer the flexible features that variable rates do, and you MAY NOT be able to make extra repayments to decrease your loan balance, when times are good. There are a small amount of lenders however that will allow you this extra feature on a fixed product. VARIABLE LOANS: Your interest rate changes as the Reserve Bank adjusts to economic conditions. Variable rates are useful if you’re not worried about fluctuating repayments and want to take advantage of movement in the economy. There are plenty of "add-ons" and benefits of a home loan that you can use to your advantage, including: INTEREST ONLY REPAYMENTS: This helps cover unexpected expenses or negative cash flow strategies. OFFSET ACCOUNTS: Allow you hold savings in a separate account to credit towards your loan balance, which you can access without penalties. ADDITIONAL REPAYMENTS / REDRAW: This means you can use any extra savings on your loan to decrease the balance and access them later, if needed. LOAN SPLITS: This allows you to split a portion of your loan between variable and fixed interest rates, to reduce the risk of unexpected repayment blow out. If you’d like more information on what lenders are currently offering different niches and how you can choose the home loan in your best interest, contact me for a 15 minute chat on 0422 972 632.

16.01.2022 ARE YOU THINKING OF PURCHASING OFF THE PLAN? It’s probably more complicated than you think and there are definitely a few things you need to think about before you put a deposit on the table. For example:... Your building company has the authority to dictate its construction and features, meaning you have limited say in how the property looks. - Rather than paying for the construction in instalments, the contract price is for the final product. - When you settle on a purchase price, you’ll have to pay stamp duty on the full contract price as well. - You could be eligible for huge savings from a government grant which I can scope out for you. I’d love to talk you through the steps involved in purchasing a property off the plan. Give me a ring on 0422 972 632 or click on the button below so I can schedule a call back to you shortly.

15.01.2022 WE HAVE SELF EMPLOYED HOME LOAN SOLUTIONS FOR EVERY SCENARIO AND BUSINESS: - Up to 90% loans under Lo Doc policy - 6 month ABN - Accountant's Declaration Only... - Unlimited Tax Debt Refinance - Business Debt Refinance - Cash out for Business Purposes - Adverse Credit Considered - 40 year loan term (must be Principal and Interest) - 100% Offset facilities available Contact me to discuss which niche Lenders could assist your circumstances without compromising on interest rates - 0422 972 632.

14.01.2022 WHAT IS A COMPARISON RATE? A comparison rate is a single percentage figure that gives you a more realistic idea of what your loan will cost you. It combines the lender’s interest rate with all the extra charges and additional fees related to that loan. Lenders are legally required to disclose this rate in their advertising.... HOW CAN IT HELP ME CHOOSE A LOAN? Without guidance from a broker, most people simply compare loans based on the loan interest rate. This can be a misguiding practice as they won’t get the full picture of approval fees, establishment fees and other additional costs. Some loans will have a great interest rate but once those costs are factored in, maybe far more expensive than a comparable loan with a slightly higher interest rate. If you need some help finding the best rate for you, give me a call on 0422 972 632.

13.01.2022 THE DIRTY TRUTH BEHIND PAYDAY LENDERS... It’s not uncommon for Australians to need help with cash between pay days. Some businesses have taken advantage of these times in need, and they’re known as payday lenders.... Essentially, these businesses can provide you with fast cash, but you’ll pay it back at an exorbitant interest rate. For the majority of the population, this is not the best way to get money. Worse still, any loan or enquiry you make with a payday lender will end up on your credit file, which doesn’t look good for future loan applications. Some lenders will go so far as to automatically decline a loan application if they see a payday loan or enquiry on that person’s credit file. If you’re ever in need of quick money, please call me. I know the right lenders and products that will take care of your short-term needs, so you can look after your long-term goals. Most importantly, we can keep your credit file clean. Book in a chat or call me anytime 0422 972 632.

12.01.2022 THE HOME LOAN PROCESS... - You meet with me either face to face or remotely, depending on your preference to discuss your lending options. - Necessary documentation is collected and your application is submitted to the bank.... - The bank begins assessing your application and liaises with us further if any more information is required. - The bank issues a PRE-APPROVAL, subject to a property valuation. - The property valuer inspects the property and the valuation is sent to the bank. - The bank issues a FULL APPROVAL and Mortgage documentation is sent through for you to sign. - We liaise with your solicitor and the bank to organise a time to book in settlement. - SETTLEMENT DAY Time to bring out the champagne to celebrate!!! If you would like to explore your lending options, please feel free to reach out for a no-obligation discussion on 0422 972 632.

12.01.2022 WHAT IS BRIDGING FINANCE? This is my favourite visual to show my clients how simple it is to finance their dream home PRIOR to selling their existing property. If you are due for an upsize, feel free to send any loan scenarios through to [email protected]... Ph: 0422 972 632 https://youtu.be/6ed-cTohEdM

10.01.2022 REFINANCING YOUR HOME Do you want to use some of the equity in your home to: - Buy an investment property... - Pay off consumer debt - Renovate the house With rock bottom rates in this current financial climate, we can help you get the best loan and make the most out of your property. We provide you with information covering all aspects of refinancing your existing loans. We can also assist with simply refinancing to the best loan so that you are able to save big on your monthly home loan instalment. Contact me for a no obligation home loan assessment - 0422 972 632 or send me a message below for a personalised and speedy response.

09.01.2022 IT'S TIME TO START COMPARING.... Navigating the mortgage loan market can be a really confusing experience. There are plenty of numbers and legal issues to consider and that’s before you even get down to choosing a great interest rate.... Once borrowers get to this stage, they’ll often call and ask me about ‘comparison rates’ and whilst it’s always best to speak to a Mortgage Broker who can evaluate your situation, I thought I’d give you a brief rundown. WHAT IS A COMPARISON RATE? A comparison rate is a single percentage figure that gives you a more realistic idea of what your loan will cost you. It combines the lender’s interest rate with all the extra charges and additional fees related to that loan. Lenders are legally required to disclose this rate in their advertising. HOW CAN IT HELP ME CHOOSE A HOME LOAN? Without guidance from a Mortgage Broker, most people simply compare loans based on the loan interest rate. This can be a misleading practice, as they won’t get the full picture of approval fees, establishment fees and other additional costs. Some loans will have a great interest rate, but once those costs are factored in, may be far more expensive than a comparable loan with a slightly higher interest rate. If you need some help finding the best rate for you, give me a call on 0422 972 632.

08.01.2022 BROKERS ARE MORE POPULAR THAN EVER Mortgage brokers are now responsible for writing over half of Australia's home loans and are valued for their choice, expertise and convenience, according to a new survey commissioned by the Mortgage and Finance Association of Australia (MFAA). Investors in particular are convinced of the value of using a mortgage broker, with research showing that 40.5 per cent of broker originated loans are from investors. Owner-occupiers follow closely be...hind at 37 per cent of broker-originated loans! If you would like to have a no obligation chat on a home loan scenario, send me a message below or contact me on 0422 972 632.

06.01.2022 WHAT IS AN OFFSET ACCOUNT? There’s been a lot of discussion lately around offset accounts and how they can shorten the length of your home loan and even reduce your repayments. How does this work?... An offset account is a transaction account that is attached to your home loan. You can use it the same way you would use your everyday banking account, as you’ll receive a debit card and your salary can be deposited directly into it. So what’s so special about it? Offset accounts can dramatically change the amount of interest you are paying on your home loan. Everyday, the amount you have in your offset account will be compared to the balance of your mortgage and this will determine how much of your loan you’ll pay interest on. For example, if you have a $300,000 home loan and $10,000 in your offset account, you’ll only be charged interest on $290,000. Tell me more Because home loan rates tend to be higher than what is offered for a savings account, offset accounts can be a great alternative for those wanting their money to work harder for them. It’s always advisable to speak to a mortgage broker on whether this is an appropriate option for you and I am happy to have a chat with you about your options. Feel free to give me a call on 0422 972 632.

05.01.2022 We all know life can get messy! Chances are you’re juggling a career, family and social life, all whilst trying to earn enough money to pay off your mortgage and other debts you’ve accumulated over time. Keeping track of all these small payments can feel like an overwhelming burden. I have a solution that could make your life easier.... Did you know that you can bundle all your debts into your mortgage for one easy repayment? It’s known as debt consolidation and it’s possible if you refinance your home loan. Luckily, the process can be straightforward. We can go through your debts and look at your existing loan together and then I’ll help you find a new lender that will offer a competitive deal. For most lenders, you will have to show: - You’ve held the debt for a minimum of 3 months - Statements or an account showing the debt - That you are up-to-date on your repayments There’s a few other things that are important to consider with debt consolidation so if you’ve been thinking about bundling a few debts into your home loan and potentially saving thousands of dollars in the process, let’s chat! Call me on 0422 972 632 or click the button below and I’ll get back to you soon.

04.01.2022 FIXED RATES ARE NOW AVAILABLE FROM 2.89% WITH 100% OFFSET FACILITY AND NO APPLICATION FEES! - Full Redraw Functionality. - Additional Repayments allowed. - Construction loans available. ... - All the "Bells and Whistles" in one Home Loan Package for your convenience. Your home loan should be reviewed every 6 months to ensure you are on the most appropriate loan and product. Contact me for more information or to find out if you're eligible for this loan product - 0422 972 632.

04.01.2022 GREAT NEWS FOR FIRST HOME BUYERS AND BORROWERS APRA has finalised its proposed changes to the serviceability assessments for home loans. Going forward, this means that home buyers could potentially borrow an ADDITIONAL 10% in comparison to this time last month. Check if your lending situation has been improved with a complimentary consultation. Contact me on 0422 972 632 or email me at [email protected]

02.01.2022 Being on Maternity Leave doesn’t necessarily restrict you from refinancing or upsizing the family home. We have access to Lenders with exceptional Maternity Leave policies, assisting families achieve their goals sooner. For more information contact me on 0422 972 632 or email... : [email protected]

02.01.2022 GREAT NEWS FOR FIRST HOME BUYERS IN THE 2020 FEDERAL BUDGET Those open to buying a brand-new home will benefit from the expansion of the government’s First Home Loan Deposit Scheme. The scheme will be extended to help an extra 10,000 people and the value of the properties eligible will also be increased.... Previously properties worth up to $700,000 in Sydney were covered under the scheme, but this will be increased to $950,000. Melbourne’s cap will be increased to $850,000 and Brisbane to $650,0000. It means that first home buyers with a 5 per cent deposit won’t have to pay lenders mortgage insurance, which means you could potentially be living in your dream home sooner! Contact me for further information on 0422 972 632.

01.01.2022 WHAT IS A PROPERTY VALUATION AND WHY IS IT IMPORTANT? Buying a home is one of the biggest financial decisions of your lifetime and with so much at stake, it’s in your Best Interest to know every little detail about what you’re entering into. A property valuation is an essential step in the loan application process. When you apply for your loan, the lender will send someone to determine the value of the property.... This valuation number may differ from the actual price you pay. Some lender valuations may differ substantially, in which case we may need to explore another option for you if the LVR becomes too high. I can help you find a great lender and answer any questions you may have about property valuations. Give me a call anytime on 0422 972 632 or click below to schedule a call back.