Better Money Lenders | Mortgage brokers

Better Money Lenders

Phone: +61 428 156 680

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25.01.2022 How do you like the look of our new brochure? Our design wizard has outdone herself this time with interactive videos, live pricing and availability updates. Click the link on the home page of https://hiddenvalleyestate.com.au/ to see more.

25.01.2022 Great News for those looking to build a new home. Home Builder Grants have been extended to 31 March 2021. If you are looking for a good block of land to build your new home and also a great loan to match give us a call at Better Money Lenders.... https://treasury.gov.au/coronavirus/homebuilder

24.01.2022 Come join us this afternoon from 4pm for an information session on site. We plan to give the new stubby coolers a test run too! Take the Rifle Range Road exit off Shute Harbour Road and we’ll see you there

23.01.2022 Housing values are now at a record high levels across Brisbane, Adelaide, Canberra and Hobart. According to CoreLogic, Perth values are still 21% below their 2014 peak and Darwin remains 29% lower than the 2014 peak. In Sydney, values are almost 5% below their 2017 peak.... For more info, please message us.

22.01.2022 Have you been considering taking the plunge and buying your first home? With the Government incentives on offer, it’s a great time. There are a few things you need to do before making an offer on a property. 1. Save a deposit - with all the Government incentives and programs you can potentially get away with as little as 5% in genuine savings.... 2. Good money habits - it’s important to save and pay your bills on time. This is something that lenders look at to make sure you are someone who can manage money. 3. Check out your credit score (it’s free to do), so you know what your track record looks like. The quickest way to do these three things is to speak to a mortgage broker. They’ll be able to assess your situation and even start the pre-approval process. For more info, please message us.

22.01.2022 For generations, investing in property has been a great way to build wealth and set yourself up for the future. While buying your first investment property can be nerve-racking, there are a few things you can do to make sure you’re making the right choice. 1. Speak to a broker - the first thing you need to do is understand your borrowing capacity, which depends on your income and savings. A mortgage broker will be able to give you a host of options, whereas a bank can only ta...lk to their suite of products. 2. Get a valuation - if you’re worried about paying too much, buy the property subject to a valuation. That way you know you will be getting a fair deal. 3. Buy with your head - when buying an investment property, it’s all about the numbers. Don’t get emotionally attached to a property and buy based on your research. 4. Use professional advice - if you’re not confident, talk to a buyer’s agent. Just like a mortgage broker can get you the best loan, a buyer’s agent can help identify an investment property that suits your goals. For more info, please message us.

20.01.2022 First home buyers have rushed to take advantage of record-low interest rates and a host of Government incentives, with finance increasing the most we’ve seen in a decade. According to NAB, financing for first home buyers increased by 21% during the October quarter. The largest increase in first home buyer lending was found in Queensland, which saw an increase of 39%, while Western Australia jumped by 37%.... Regional markets across the country have seen a 44% surge in first home buyer activity, with regional New South Wales leading the way with a 57% increase. For more info, please message us.

19.01.2022 The latest CoreLogic data for September is out and has seen six of the countries eight major capital cities increase in value. In September, dwelling values increased in Perth (0.2%), Canberra (0.4%), Hobart (0.4%), Brisbane (0.5%), Adelaide (0.8%), and Darwin (1.6%). Values in Sydney fell by just 0.3%, while importantly auction clearance rates continue to remain strong.... The lowest in house prices during September continues to be in Melbourne, on the back of the second set of lockdown measures. Interestingly, the cumulative loss to date during the COVID period has been just 2.8% according to CoreLogic, however, there are many areas that are higher than their pre-COVD levels. For more info, please message us.

19.01.2022 1. Mortgage brokers aren’t tied to lenders or loans - Mortgage brokers are able to save you time and money by finding the right loan and lender for you. 2. They can guide you - Not only will a mortgage broker help you find the right loan, they can also help you with the homebuying process. Liaising with everyone from accountants to real estate agents, ensuring the entire home buying process is a breeze. 3. Brokers provide a service - You don’t have to pay to work with a mortg...age broker and their fees are generally covered by the lender. 4. Get approved faster - Because mortgage brokers have a strong relationship with a range of lenders, they can often get your loan approved faster. 5. Brokers help in specific areas - Many brokers are experts in different areas of specialisation, such as working with first home buyers or getting construction loans or loans for property investors. Often banks simply aren’t going to be across the different options. For more info please message us.

19.01.2022 ANZ Bank forecasts price gains of around 9% across Australia’s capital cities in 2021. Perth and Brisbane are expected to see the strongest growth in 2021, with prices predicted to grow by 12% and 10% respectively, while all other cities across the country are expected to see prices rising in the coming 12 months. If you have a question or would like more information, please send us a message.

15.01.2022 Property prices across the country continue to remain steady despite Victoria going back into stage four restrictions. As a result, Melbourne has been the weakest market over the past month, with values falling -1.2%. However, prices are still 6.6% higher than they were this time last year. Across all the capital cities, prices have weakened by -0.6% over the month. However, over the course of the year, values are still slightly higher - up 0.4%.... So far, the large price falls that we’ve been hearing about just aren’t happening, with most homeowners simply riding out the storm. For more info, please send us a message.

15.01.2022 The resurgence in the national property market has continued in October, with dwelling values increasing in all states except Melbourne. Overall the national property market increased 0.4 per cent last month according to the latest data from CoreLogic. The strongest performers have continued to come from the smaller capital cities with Hobart, Canberra, Darwin and Adelaide all increasing in value by more than 1 per cent last month.... While Sydney values have started to rebound after declining over the past few months, up 0.1 per cent for October. Melbourne was the only city to record a fall in values, down -0.2 per cent thanks to the extended lockdown measures. Over the last seven months, since the lockdown measures first started coming into place across the country, national values have only fallen by 2.6 per cent in a sign of just how resistant the Australian property market really is. For more info, please message us.

14.01.2022 1. Record Low Rates - Mortgage rates are now at the lowest levels we’ve seen in history. By refinancing you could access a lower interest rate and save thousands of dollars a year. 2. Get a Cashback Rebate - Worried about the costs of changing home loans? Some lenders will give you a rebate which could cover any out-of-pocket costs. This can really help if you have a fixed-rate loan and want to change. 3. Free-up Cash - If you’ve got equity in your home or investment property..., you might be able to access it to invest in another property and grow your portfolio. For more info, please message us.

13.01.2022 A cooling-off period is a fixed number of days in which you can walk away from a transaction. The cooling-off period is different in every state and it’s important to note that it doesn’t apply to auctions which are considered unconditional sales. What are the rules in your state?... In New South Wales, you get five business days, however, expect to pay the seller 0.25 per cent of the sales price. In Queensland, you also get five business days and have to pay the same 0.25 per cent fee. Victorian’s get a three-business-day cooling-off period and the termination fee is a little lower at 0.25 per cent. South Australian’s have only two business days, but only lose a $100 holding deposit. The ACT is the same as both NSW and Victoria, with five business days and the termination fee is 0.25 per cent of the purchase price. In the Northern Territory, there is a cooling-off period of four business days, however, no termination fee is payable. There’s no cooling-off period in Tasmania and Western Australia. For more info, please message us.

13.01.2022 Preliminary auction clearance rates are once again on the rise in both Sydney and Melbourne. The latest data from CoreLogic has shown a 77 per cent clearance rate for the week, which was up from 76 per cent for the same time last week. Sydney’s auction clearance rate which has always been a good indicator of price movements has been sitting above 70 per cent, with preliminary rates reaching 80 per cent at times. Again on lower volumes than the same time last year.... Melbourne has been the one that has seen a large increase in auction activity as lockdown measures ease and the clearance rate has been slowly increasing over the past few weeks. Last week Melbourne posted a preliminary clearance rate of 76 per cent, up from 73 per cent as both buyers and sellers look to get back to business with lockdowns easing. For more info, please message us.

12.01.2022 The rental market in Sydney is returning to normal after the sharp falls attributed to COVID-19. Across Sydney, the vacancy rate fell to 3.4% in November, down from 4.3% in October according to the Real Estate Institute of New South Wales (REINSW). Rental vacancy rates tightened across all parts of Sydney, with the inner-ring suburbs falling to 4.6%, the middle-ring to 4.4%. and the outer-ring dropping to 1.8%.... For more info, please message us.

12.01.2022 Typically, the holiday period is a time of year where people spend the majority of their money and increase their debts. Come the start of the new year, many people can find themselves struggling with that additional debt burden and often turn to short-term, payday loans to try and help them get by. Click here to learn more.... https://bettermoneylenders.com.au/considering-a-payday-loan/ If you have a question or would like more information, please send us a message.

12.01.2022 House sales across Australia have increased dramatically in the lead up to Christmas. According to the Housing Industry Association (HIA), house sales jumped by 15.2% on a monthly basis, taking it to a new record high for the decade. Western Australia saw the largest increase in house sales compared to last year, increasing by 108.8%, and South Australia saw a sharp increase, recording new home sales growth of 57.6%. ... There were also significant increases in house sales in Queensland (34%), Victoria (22.2%) and New South Wales (20.7%), compared to the same time last year. For more info, please message us.

09.01.2022 In recent years, one of the biggest changes for consumers has been the move towards ‘buy now, pay later’. In years gone by, most people simply purchased with credit cards, and before that, it was using lay-by. Things have changed dramatically in the past five years and now, we’re seeing more Australians turn to buy now, pay later services. Before you start buying with buy now, pay later services, it’s worth asking yourself if it’s a good idea or if will it hurt you down the t...rack? Especially if you’re wanting to get a loan. Click here to learn more. https://bettermoneylenders.com.au/should-you-be-using-buy-/ If you have a question or would like more information, please send us a message.

08.01.2022 We are seeing this happen here in Whitsunday. Give us call if you want to find out your home loan potential. Our service is FREE and confidential.

07.01.2022 Looking for Land and Finance ? Give me a call. Brett 0428 156 680

01.01.2022 In the current low interest rate environment, there has never been a better time to refinance and save money on your mortgage. By budgeting well and making the most of low interest rates, homeowners can quickly get on top of their finances and pay down their mortgages faster. Here are three quick reasons to refinance:... 1. With interest rates at record low levels, lenders are offering very low introductory rates. If you refinance to a new loan, you could save yourself a significant amount of money each month that you could use to pay down your mortgage faster. 2. Consolidating debts through refinancing, allows you to save money by avoiding the higher interest rates that come with things like credit cards or personal loans. 3. Get a new loan product with and offset account. An offset account will save you interest and can speed up the process of paying down your mortgage. For more info, please message us.