Biz Nerve in Melbourne, Victoria, Australia | Mortgage brokers

Biz Nerve

Locality: Melbourne, Victoria, Australia

Phone: +61 499 831 111

Address: Level 2 245 King St 3003 Melbourne, VIC, Australia

Website: http://biznerve.com.au/

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25.01.2022 Noticed anything strange about used car prices recently? From May to August, used car sale prices jumped anywhere from 6% to 11% on a monthly basis.* This was because of constrained supply due to COVID-19.... However, the good news is that prices could level out soon. Especially if you're after an SUV or ute. That's because in November, price growth was just under 1%, with the truck/ute/SUV segment falling in price slightly. So if you're interested in purchasing a vehicle, give us a call on 0499 831 111, email [email protected] or DM us. * Moody's Analytics #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

25.01.2022 Are there ways your business could improve cash flow? Poor cash flow typically causes more than half (51%) of all Australian business insolvencies,* and the COVID-19 pandemic has left even more businesses than usual under pressure. But if your business is having cash flow difficulties, there are some financing solutions that can help.... To find out more give us a call on 0499 831 111, email [email protected] or DM us. *Source: ASIC insolvency reports #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

25.01.2022 What's the go with those 0% car finance offers? They say that if it sounds too good to be true, it probably is. And that goes for those 0% car finance offers spruiked by dealerships too, because they usually mean buying a car at a higher price than you would pay if purchasing upfront. ... Hidden charges and establishment fees might also be lurking under the bonnet. So how can we do it better? Well, not only is our job to get you a loan with a low rate, but to negotiate on your behalf to ensure you pay a low price for the vehicle. We'll also make sure you're aware of all the relevant fees and charges. So if a hot set of wheels has caught your attention, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

25.01.2022 How long would you spend looking for your next home? When you add up all the hours spent researching properties, looking up lenders and applying for a home loan, most home buyers take 44 hours (longer than a full working week) to find their dream home.* And 80% of people say applying for a home loan is the most consuming, confusing and inconvenient part.... So feel free to ask for help - we can save you time and hassle by helping to arrange your financials and guiding you through the purchasing process. To find out more, give us a call on 0499 831 111, email [email protected] or DM us. *Source: 2020 St George Home Buying Survey #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

25.01.2022 So it turns out the Murdochs aren’t alone when it comes to succession headaches. Apparently only one-in-six family businesses have a proper plan in place. But rest assured you can develop your own succession plan fairly painlessly, with the help of a new guide.

25.01.2022 Mortgage holders and business operators are being encouraged by the RBA to switch lenders if their bank doesn’t pass on the latest cash rate cut.

24.01.2022 New granny flat tax exemption Ever looked into building a backyard granny flat for a friend or family member? You might have been put off by the capital gains tax (CGT) implications, but that roadblock is being removed. As of July 2021, CGT will not apply to formal written granny flat arrangements providing accommodation for older Australians or people with disabilities. ... So if that's just the green light you need to dust off your granny flat plans, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

24.01.2022 Five reasons your home loan application might get declined Getting rejected is never nice, especially when you've got your heart set on a new home. Here are five common reasons why home loan applications are declined.... 1. Your credit history has a checkered past. 2. Your spending habits are a little too ... lavish. 3. Your employment situation isn't as stable as the lender would like. 4. You haven't saved a large enough deposit. 5. No proof of genuine savings. If you're thinking of applying for a home loan soon, we'd love to help you get that all-important stamp of approval. To find out more, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

24.01.2022 We’ve all been guilty of the odd credit card mix-up from time to time it happens! But if you’re consistently relying on a personal credit card to pay your business expenses like 4-in-10 SME owners then it’s probably time to explore other funding options.

24.01.2022 The spring selling season has sprung! There's always a lot of hype around property in spring - the winter gloom has passed, making properties look better and brighter, and there are traditionally more properties to choose from at this time of year. So if you've got your eye on a spring purchase, give us a call on 0499 831 111, email [email protected] or DM us.... #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

23.01.2022 What do you reckon is the best type of property to invest in right now? House, townhouse, apartment, commercial or land? Almost 600 Australian property investors recently had their say and 74% reckon the answer is 'house'.*... But hey! More than a quarter would invest their money in the others, so there's no right or wrong answer. If you've been thinking about adding to your property portfolio, give us a call on 0499 831 111, email [email protected] or DM us. * 2020 PIPA survey #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

23.01.2022 Should you be locking in your rate? As with many things in life, it all depends on your individual circumstances and preferences. You might prefer not to lock in a rate if you:... - don’t mind having some unpredictability in your financial planning - are confident interest rates will continue to fall - prefer to go with market rates. On the other hand, you might want to lock in a rate if you: - are concerned you'd be unable to make repayments if rates rise - prefer to plan your finances accurately - won’t suffer from FOMO if rates drop further. To find out more, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

22.01.2022 Trend alert: offset accounts It's not exactly the latest Parisian fashion trend, but Australians have recently been putting more money into their offset accounts.* What is an offset account? It's a transaction account that's linked to a mortgage account and it reduces the interest you pay on your loan. ... That's because you only pay interest on the difference between the amount of money in the account and what's left to pay on your mortgage. So let's say you owe $400,000 on your mortgage, and you have $50,000 in a savings account. If you move the $50,000 into a full offset account, you’ll only pay interest on $350,000. Keen to find out more? Give us a call on 0499 831 111, email [email protected] or DM us. *Source: RBA #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

22.01.2022 Does your business need working capital? You could be in luck - the government has extended (and expanded) the Coronavirus SME Guarantee Scheme to the end of the financial year. The scheme involves the government guaranteeing 50% of each new loan issued to SMEs by eligible lenders. The idea is that this allows loans to be offered more cheaply and more freely" compared to ordinary business loans.* ... So to find out more about the SME Loan Guarantee scheme, give us a call on 0499 831 111, email [email protected] or DM us *Source: Australian Banking Association #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

22.01.2022 How long does it take a First Home Buyer to save a deposit? The short answer is around 3 to 6 years, depending on where you want to buy.* If you're just itching to enter the market your best bet is Darwin, where it takes an average 3 years 1 month to save a 20% deposit. In Sydney you'll have to be most patient - waiting about 6 years 6 months to get the cash together. ... But the good news is that wait times are expected to go down, thanks to lower interest rates, reduced investor activity and generous government incentives such as the first home loan deposit scheme. So if you're saving for your first home, find out more, give us a call on 0499 831 111, email [email protected] or DM us. You may be closer to a deposit than you think! * Domain #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

22.01.2022 Quarter of SMEs risk shutdown without support Government income support has been a lifesaver for many SMEs this year, but it won't last forever. Modelling shows 1 in every 4 businesses that have been recieving income support would shut down if that support is removed before market conditions approve.* ... So if you'd like to explore your 2021 financing and funding options, give us a call on 0499 831 111, email [email protected] or DM us. * RBA #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

22.01.2022 The festive season is fast approaching and this year, more than ever, it’s important for businesses to ensure they have their cash flow management in order. Here are our top 8 ideas to help you through the upcoming period.

22.01.2022 Has your business been closed or heavily impacted by COVID in recent months? Although JobKeeper has finished up, don't forget that many states offer business support grants you could apply for. Each state has different grant amounts, eligibility criteria and deadlines - so be sure to check what your state is providing. Google: [Your state] COVID Business Support Grants.... And if you need additional funding to help your business get through COVID, call us today to explore some finance options. To find out more, contact Biz Nerve on: 0499 831 111 [email protected] #biznerve #biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

22.01.2022 Have you got a JobKeeper exit strategy for your business? JobKeeper is due to wind up at the end of March, and if you've been relying on it to pay staff, then it's high time to consider a transition plan. If the numbers are looking tight it may be worth considering some potential financing options before crunch time hits. ... To explore your options, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

21.01.2022 Has your business ever been knocked back by a lender? Don't let it keep you down - it's been a tough year. In fact, one in four businesses grappling with the economic fallout from the Covid-19 have had their application for credit rejected by lenders this year*. Rest assured though that there are ways to get your business back up on its feet that you might not have explored yet.... So to discuss your financing options, give us a call on 0499 831 111, email [email protected] or DM us *Source: Sensis Business Index #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

20.01.2022 Thank you for your support in 2020! Here's to a happy, healthy and prosperous 2021! From the team biznerve.com.au... #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

20.01.2022 Online auction tips Life has changed dramatically since COVID-19 struck Australia, and auctions have not been immune. Even as face-to-face transactions ramp back up, it seems virtual auctions are here to stay. Here are 4 tips for purchasing a property online:... 1. Familiarise yourself with the process - observe an online auction before you're ready to purchase. 2. Register to bid on the property of your choice - you'll typically need to provide ID. You may also need to download an app or allow for a hold to be placed on your credit card. 3. Check your internet connection is stable and fast enough. Have a backup plan. 4. Get pre-approval before bidding. To arrange finance before your chosen property goes under the (virtual) hammer, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

20.01.2022 What do you think are the most important factors for financial wellness? Well, financial literacy and income definitely matter (especially if your household earns $125,000+), but a new report found home ownership was also important.* It turns out people who own a home, or are actively looking to buy one, feel significantly less financial stress than those renting.* ... If you've been thinking about starting your home ownership journey, come speak to us today about a range of first home buyer schemes and incentives that are designed to help you get a foot on the property ladder sooner. To find out more, contact Biz Nerve on: 0499 831 111 [email protected] *Your Financial Wellness and Teachers Mutual Bank report #biznerve #biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

19.01.2022 Loyalty is an admirable trait when it comes to our friends, family and loved ones. But if you’re extending that virtue to the banks, then there’s a good chance it’s costing you thousands of dollars. That’s the takeout from the ACCC’s latest Home Loan Price Inquiry interim report. #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #firsttimehomebuyer #realtor #loans #homeloans #mortgagerates #loanofficer #mortgageloans #newhome #homeloan #mortgagebrokers #property #investment #homebuying #househunting #creditrepair #homebuyers #mortgagetips #house #mortgagelending #mortgagespecialist #bhfyp

19.01.2022 Do you allow pets in your investment property? Here's something that will give you paws for thought: landlords who allow pets can boost their rental return by up to 30%.* In fact, in almost every capital city, median asking rents for pet-friendly apartments are higher than for homes that don’t allow pets. ... So what do you think? Would you allow pets? Or have you got a horror story to share? *Domain #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

19.01.2022 Consumer sentiment is surging, confidence in the housing market is booming, and the number of experts tipping a Melbourne Cup Day cash rate cut is increasing. Let’s look at why households and businesses are becoming increasingly optimistic.

19.01.2022 The loyalty tax is real Borrowers with older mortgages typically pay a higher interest rate than customers on new loans* - it's called the 'loyalty tax'. If you have a loan that was written four years ago, there's a good chance you're paying an average of 40 basis points higher than you would be on a new loan. ... So when was the last time you refinanced? To find out more, give us a call on 0499 831 111, email [email protected] or DM us. *Source: RBA #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

19.01.2022 How to save $25,000 on a new home or renovation The Australian government is currently handing out $25,000 grants through what's known as the HomeBuilder program. It's available to eligible Australians building a new home for less than $750,000, or to those who spend between $150,000 and $750,000 renovating an existing home.... But if you want to take advantage of the scheme, you’ll want to get in touch with us asap as applications close 31 December. Not only can we walk you through how to apply for it before the deadline but, just as importantly, we can assist you when it comes to applying for finance. To find out more, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

19.01.2022 Ever used Afterpay? You need to read this Buy now, worry about your bank balance later - there's no denying that Afterpay can be tempting. But it's not without its risks. While there (generally) aren't any credit report checks in the Afterpay approval process, it's important to note that Afterpay (and its competitors such as ZipPay) are still credit liabilities that need to be disclosed when applying for a home loan. ... And with the banks very stringent on who they lend to at the moment, your efforts to obtain a home loan could be hampered if you’ve racked up quite the Afterpay bill. So next time you've loaded up your online shopping cart at 2 in the morning, ask yourself: how will this look on my loan application? #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

19.01.2022 ‘Tis the season to be jolly, but it’s important not to get carried away when using ‘buy now, pay later’ providers to fund that festive spirit. That’s because one-in-five users struggle to make their repayments, new research has found.

18.01.2022 Great news just in for first home buyers: the Australian government will reissue 1800 First Home Loan Deposit Scheme (FHLDS) spots from the 2019-20 financial year.

18.01.2022 Small businesses are receiving payments from clients a month late on average that’s 18 days longer than last year. Make sure your business’s cash flow isn’t adversely impacted this holiday season.

18.01.2022 Do you know your home loan interest rate? Here's a quirky stat for you: 1 in 3 mortgage holders has absolutely no idea what their home loan interest rate is at all, while 86% are unable to recall the exact figure (but they're in the ballpark).* Now, we're not into rate-shaming around here, but if you don't know yours, it's a pretty good sign that you're due for a home loan health check.... The good news is it's quick and easy. To get the ball rolling, simply give us a call on 0499 831 111, email [email protected] or DM us Source: UBank #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

18.01.2022 Ever transferred to the wrong person? Mistakes happen! But if you spot a transaction error, the sooner you report it, the better your chance of getting your money back. If you report a mistake to your bank within ten business days the funds will be returned to you, the Financial Ombudsman says. If you report within seven months, you still have a reasonable chance of getting your money back. ... But after seven months? Well, then you'll need the recipient to agree. What's the biggest transaction error you've ever made? And did you get the money back? *Source: RBA 2018 Payment Systems report #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

17.01.2022 Thousands of families across the country who had been thinking about a new build, or tackling an overdue renovation project, have rolled up their sleeves and committed to it, according to latest ABS data.

17.01.2022 There was one big-ticket initiative in the federal budget that really caught our eye, and that was the turbocharged version of the instant asset write-off scheme. Today we’ll look at how it could improve your business’s cash flow moving forward.

17.01.2022 Heads up! The 'September Cliff is upon us!' You know that September financial cliff you've been hearing about? Well, it's pretty much here. Jobkeeper 2.0 begins in October, which means if you've been using it to pay your home or business loan, then it's time to consider a transition plan.... To explore some potential financing options, give us a call on 0499 831 111, email [email protected] or DM us #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

17.01.2022 Wishing you a Merry Christmas and a happy holiday season! (We've all earned it this year, that's for sure!) From the team biznerve.com.au... #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

17.01.2022 Has your ideal location changed since COVID-19 hit? With much more people working from home since COVID-19 hit, those seeking a new home are now less likely to want to live in higher density areas and cities. Spacious living is now a top priority, with 34% of would-be buyers wanting to live somewhere less populated, another third wanting to be closer to parks or shops, and one in five seeking suburbs that boast larger properties. ... What about you? Has the pandemic changed the idea of your dream home? *Source: Westpac survey #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

17.01.2022 Are you paying .5% more on your home loan interest rate than you should be? Don't settle for less than you deserve! The average existing mortgage holder had a home loan rate of 3.19% in August, yet new owner-occupier customers were offered a rate of just 2.69% on average.*... If it's been a while since you last refinanced then simply get in touch with us today - we'd love to help you save hundreds (and possibly thousands) of $$$ each year. To find out more, give us a call on 0499 831 111, email [email protected] or DM us. * RBA #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

16.01.2022 It makes our day when our clients leave us a cracker of a review like this one so we couldn't help ourselves but share Thanks for the amazing review Gavin!

16.01.2022 With interest rates at record low levels, today we’ll look at a question that many are asking: should I lock in a fixed rate home loan? You may have recently received a call directly from your bank, or seen more ads than usual across the internet spruiking super low fixed-rate mortgages. Here’s why: lenders are scrambling over one another to lock-in customers right now. ... #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #firsttimehomebuyer #realtor #loans #homeloans #mortgagerates #loanofficer #mortgageloans #newhome #homeloan #mortgagebrokers #property #investment #homebuying #househunting #creditrepair #homebuyers #mortgagetips #house #mortgagelending #mortgagespecialist #bhfyp

15.01.2022 Considering refinancing? Don't forget to prepare for a valuation! Aussies are refinancing in record high numbers at the moment,* which makes it a good time to talk valuations. That's because when you refinance your home loan, your lender will arrange a valuation to estimate what your property is worth. And it's important to be prepared because as many as 1 in 7 home owners* are unsuccessful in refinancing their mortgage because the value of their property has fallen. ... So here are four ways you can prepare for a valuation: 1. Spring clean! Whether you do it yourself, or hire professional cleaners and landscapers, make sure your house's interior and exterior are looking spick and span. 2. List your property’s features: make a list of the best things about your property and give it to the valuer, just in case they miss that newly-installed double garage. 3. Local community developments: share a list of any upcoming community developments, such as a public transport hub or you-beaut bike path. 4. Dig out some paper work: if you have building plans, council rates notices and/or land tax valuations, make them available to the valuer. To discuss refinancing, give us a call on 0499 831 111, email [email protected] or DM us. *Sources: ABS, State Custodians #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

15.01.2022 The First Home Loan Deposit Scheme is back; bigger, better and more buyer-friendly than before. If you’re a first home buyer who missed out on the first two rounds, then here’s how to make it a case of third time’s a charm!

14.01.2022 Have you ever had your identity stolen? Australians lost more than $16 million to scammers last year*. But many won't know they've fallen victim to identity theft until they have trouble getting finance due to an inexplicably bad credit rating. ... That's why it’s important to check your credit report once a year - you can do so for free via Equifax, CheckYourCredit (illion) or Experian. *Source: ACCC #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

14.01.2022 How to avoid identity theft 1. Limit the amount of personal information you make available about yourself on social media, and don't click on random email links and attachments. 2. Shop online with caution - only provide your payment details to websites that begin with "https". ... 3. Pay attention to your bank statements and regularly check for irregularities. 4. Check your credit report online to see if any new accounts have been opened in your name. If this seems like overkill, consider that one in five Australians have had their personal information stolen at some point.* And if the thieves go on a spending spree in your name - taking out credit cards, and withdrawing money from your account - you could find it mighty hard to take out a loan on your next property. *Source: Veda #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

14.01.2022 Think home ownership is out of reach? Think again! The First Home Loans Deposit Scheme is allowing thousands of young Australians to purchase their first home with just a 5% deposit while not paying Lenders Mortgage Insurance - which can save you thousands and thousands of dollars. 20,000 applicants were accepted for the scheme in rounds 1 & 2, so you won't want to miss out on round 3.... But you've got to be quick - as the places fill up fast. So if you're ready to make your home buying dreams a reality, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

14.01.2022 Overcoming mortgage stress in 2020 2020 hasn't exactly been the greatest of years. And for 40% of Australian households*, it's been a time of mortgage stress - with outgoing costs exceeding income. If you're feeling the pressure, we may be able to help you:... - refinance to lock in a lower interest rate - switch to a home loan that better suits your current needs. - consolidate your debts, which could save you money and simplify your repayments. To find out more, give us a call on 0499 831 111, email [email protected] or DM us *Source: Digital Finance Analytics #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

13.01.2022 What's your home office set-up look like? The number of home buyers searching for a home office as part of their next property purchase spiked this year. Victoria, for example, saw a staggering 1107% increase in searches while going through Lockdown 2.0 in June/July.... So whether you're an employee working from home for the foreseeable future, or you're thinking of starting your own work-from-home business, it seems that home offices are going to be a much higher on the real estate priority list moving forward. And if you are looking to start your own business, well, you know where to find us when it comes to seeking finance! ;) *Source: Domain #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

12.01.2022 We dream big in Australia. So it’s little surprise that when the Great Australian Dream becomes a reality it means bigger houses than anywhere else in the world, according to a new report.

12.01.2022 How to spring clean your finances 1. Review your expenses and update your budget. 2. Get rid of unnecessary transaction accounts. This can help you save fees and keep track of spending. 3. Consider consolidating debts. This can help you simplify repayments, save money and provide a clear timeline to being debt-free.... To find out more about consolidating your debts, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

10.01.2022 Once upon a time you were rewarded for loyalty. But borrowers with older mortgages are typically paying a higher interest rate than customers on new loans, confirms the Reserve Bank of Australia (RBA). The RBA’s study finds that the difference in interest rates between new and outstanding variable-rate home loans increases with the age of the loan. #mortgageloan #broker #homesweethome #lending #homeownership #mortgageloanofficer #mortgagepro #covid #loan #financing #mortgageexpert #creditscore #mortgageprofessional #mortgageadvice #mortgageadvisor #realestateinvestor #dreamhome #lender #realtors #mortgageagent #investor #refinancing #firsttimebuyer #rates #realestateinvesting #homeowner #fhaloans #buyingahome #toronto #homeowners

10.01.2022 How much do you spends on gifts each month? $20, $50 or 100? It turns out we're a generous bunch, spending about $100 a month on gifts, let alone the silly season itself!* What we're getting at is this: it's always a good idea to try and budget for gifts throughout the year so you can pay for them outright when the festive season arrives.... That's because you don't want to leave it all to the last minute as the banks don't look too favourably upon buy-now, pay-later transactions (like AfterPay and ZipPay) when you apply for a loan. * Financial Planning Association of Australia #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

10.01.2022 Has COVID-19 improved your saving habits? It has for 49% of young Australians, who say they're now saving more than they did before COVID-19*. What about you? Have you sharpened your ability to save for the future? And if so, what would you like to buy?... *Source: Westpac survey #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

10.01.2022 If you didn’t back a winner on Melbourne Cup Day then fret not: the Reserve Bank of Australia (RBA) has delivered mortgage holders a win by cutting the official cash rate by 15 basis points to a new record low of 0.10%.

10.01.2022 What's stopping you from starting your own business? More than 9 million Aussies have dreamed of being their own boss and running their own business, but 60% say a lack of access to money holds them back*. What about you? Do you have a cracking business idea that could do with a bit of funding? ... *Source: YouGov #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

09.01.2022 Well, that was a year for the history books. Time to start looking forward, we reckon! And the good news is 2021 offers plenty of promise. So what’s your New Year’s resolution?

09.01.2022 Did you know there's a global shortage of new cars right now?* That means it's never been more important to have a broker like us in your corner when purchasing a new set of wheels. We can help you arrange a great finance solution for the purchase so that you can negotiate with the car dealership with extra confidence.... So if you've been thinking about purchasing a new vehicle lately, find out more, give us a call on 0499 831 111, email [email protected] or DM us. * ABC #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

09.01.2022 Great news for homeowners and prospective buyers: housing affordability is at its best level in a decade and should continue to improve throughout 2021.

09.01.2022 Did you know more than a third of Australian homeowners are considering putting their property up for sale so they can take advantage of the current boom in prices? Here’s how to get your property looking spick and span for prospective buyers. Here’s how to get your property looking spick and span for prospective buyers.

09.01.2022 When was the last time you were in tune with the RBA's cash rate cuts? If you haven't looked into refinancing in the last 18 months, then don't miss a beat - now's a great time to do so! There have been six RBA rate cuts since June 2019 - including one on Melbourne Cup Day - meaning you could be significantly overpaying on interest if you haven't refinanced. ... For a home loan tune-up, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

08.01.2022 Want to pay off your mortgage four years faster Increasing your repayments by $50 a week could mean your home loan is paid off years quicker. Now, we know $50 is a lot of money for many people right now, but let's put it this way: by paying an extra $50 a week off the average mortgage ($400,000) you could save $46,992 in interest and pay off your home loan four years faster.* ... Even $20 a week could save you $21,281 in interest and enable you to be debt-free one year and nine months faster. Shout out if you'd like more tips on paying off your mortgage sooner or you want to discuss your refinancing options. We're always available - give us a call on 0499 831 111, email [email protected] or DM us. *Source: AMP #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

08.01.2022 Have you had to dip into your savings due to COVID-19? If so, you're not alone. A recent study suggests a third of Australians have dipped into their savings this year due to the pandemic.* Rest assured though there are ways we can help you reduce your monthly expenses, including refinancing your home loan.... If you'd like to find out more, give us a call on 0499 831 111, email [email protected] or DM us. * MyState Bank survey #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

08.01.2022 What do you think are the most important factors for financial wellness? Well, financial literacy and income definitely matter (especially if your household earns $125,000+), but a new report found home ownership was also important.* It turns out people who own a home, or are actively looking to buy one, feel significantly less financial stress than those renting.* ... If you've been thinking about starting your home ownership journey, come speak to us today about a range of first home buyer schemes and incentives that are designed to help you get a foot on the property ladder sooner. To find out more, contact Biz Nerve on: 0499 831 111 [email protected] *Your Financial Wellness and Teachers Mutual Bank report #biznerve #biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

08.01.2022 If you were able to buy one big ticket asset to improve your business in 2021, what would it be? A new van to help your hip new ice cream shop become more mobile? A whiz bang coffee machine to help your barista make more lattes? ... Or a new and improved tractor to help out around the farm? Whatever you're keen on, know that you can now immediately write off any eligible depreciable asset, at any cost, up until 30 June 2022. It's called 'temporary full expensing', and it's to help businesses like yours improve cash flow during the COVID-19 pandemic. To find out more, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

08.01.2022 Does thinking about money make you anxious? If 'yes', then don't worry, you're not alone. As many as 73% of Millennials admit that they struggle to prioritise their finances because thinking about money makes them anxious.*... But doing things like exercising daily, paying your bills on time, and knowing how much money is in your bank account can help relieve that stress. * Commonwealth Bank of Australia #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

07.01.2022 How do you feel about the property market right now? Believe it or not, confidence in the housing market has been on the upswing in recent months.* In fact, Westpac's ‘time to buy a dwelling’ index is at its highest level since September 2019. ... So, how about you? Have things on the financial and property front started to little more exciting recently? If so, find out more, give us a call on 0499 831 111, email [email protected] or DM us. * Westpac Consumer Sentiment Index #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

07.01.2022 First home buyers wanting to crack into the property market can now use an interactive map to see how much their neighbours spent on average for their first home.

07.01.2022 Has your business been closed or heavily impacted by COVID in recent months? Although JobKeeper has finished up, don't forget that many states offer business support grants you could apply for. Each state has different grant amounts, eligibility criteria and deadlines - so be sure to check what your state is providing. Google: [Your state] COVID Business Support Grants.... And if you need additional funding to help your business get through COVID, call us today to explore some finance options. To find out more, contact Biz Nerve on: 0499 831 111 [email protected] #biznerve #biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

06.01.2022 Ever thought about downsizing? You're not alone. In fact, more than half of Australians over the age of 55 are open to downsizing*. One key concern that puts people off downsizing, however, is financial factors associated with their existing mortgage.... But rest assured there are options available - and we'd be happy to talk you through them. So if you'd like to find out more about making your downsizing dreams a reality, then give us a call on 0499 831 111, email [email protected] or DM us *Source: AHURI #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis See more

05.01.2022 With 2020 well and truly behind us (good riddance!), what's in store for 2021? Well, signs for the housing market are promising. That's because properties across the country are being tipped to bounce back strongly and surge by 5 to 9% in value this year.*... So if you're thinking of purchasing a new property soon, give us a call on 0499 831 111, email [email protected] or DM us. * SQM Research #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

04.01.2022 Ever thought about becoming a 'property investor'? It's not as out of reach as you might think. In fact, 43% of Australian property investors own 2-4 properties, whereas 19% own 5 or more*.... So if you've ever thought about making the leap from homeowner to property investor, or if you want to add to your property portfolio, find out more, give us a call on 0499 831 111, email [email protected] or DM us. * 2020 PIPA survey #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

04.01.2022 Get a load of this: 2nd hand car prices have jumped up 25% this year!* There's a good reason for it: fewer new cars are being imported into the country due to coronavirus, which is driving up prices in the used car market. With that in mind, it's never been more important to have us riding shotgun with you when making a vehicle purchase.... That's because with prices so high, it's vital to have us help you secure a super competitive rate on your car finance, rather than relying on what the car dealership is offering. To find out more, give us a call on 0499 831 111, email [email protected] or DM us * Moody’s Analytics price index #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

04.01.2022 Could your home be greener? Research shows that properties with high energy-efficiency ratings typically sell for up to 10% more*. Installing rainwater tanks, solar and batteries are some great ways of boosting your property's green credentials, as are improving insulation and draught sealing.... Have you been considering boosting your home's energy efficiency? If so, give us a call on 0499 831 111, email [email protected] or DM us. *Source: University of Wollongong #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialis

04.01.2022 Ever considered downsizing to a more manageable property? Turns out you're in good company. 26% of Australians aged 55 or older already have downsized, and a further 29% have thought about doing so.*... The top three reasons for downsizing are: 1. To achieve a particular lifestyle (27%) 2. For financial outcomes (27%) 3. The current garden or property requires too much maintenance (18%) To discuss your downsizing finance options, give us a call on 0499 831 111, email [email protected] or DM us. * AHURI #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

04.01.2022 How well placed is your retail business when it comes to its digital transformation? Today we’ll look at some of the ways your competitors might be complementing their bricks and mortar stores with online empires.

03.01.2022 Are the days of ultra-low fixed interest rates over? It’s looking increasingly so, with two major banks increasing their fixed rates this week. So if you’ve been thinking about fixing your mortgage lately, it could be time to consider doing so.

03.01.2022 Need a new asset for your business? Have we got news for you! Businesses, both big and small, can now immediately write off any eligible depreciable asset, at any cost, up until 30 June 2022. It's called 'temporary full expensing', and it was announced by the federal government in their latest budget. ... If you'd like to make the most of it for your business, get in touch with us today to discuss your financing options for the scheme. To find out more, give us a call on 0499 831 111, email [email protected] or DM us. #biznerve # biznervefinance #biznervefinancepartners #mortgages #realestate #mortgage #mortgagebroker #refinance #home #mortgagelender #mortgagelife #finance #homeloans #property #investment #homebuying #househunting #mortgagelending #mortgagespecialist See more

03.01.2022 It makes our day when our clients leave us a cracker of a review like this one so we couldn't help ourselves but share Thanks for the amazing review Gavin!

02.01.2022 Small business owners in need of credit will be buoyed by new data that shows the approval rate for loans has remained strong throughout the coronavirus crisis.

02.01.2022 How comfortable do you feel leaving your home unattended when you go on holidays? Turns out that those who know their neighbours best have more peace of mind.

02.01.2022 To all our wonderful clients: this has been a year like no other, so we can only hope that you’re treated to a relaxing time with family and friends this festive season.

01.01.2022 Stamp duty: two of the most dreaded words in the world of property and finance. Fortunately, NSW and Victoria have unveiled some big changes to the inefficient tax this week, and there’s hope it’ll inspire other states to review their own stamp duty arrangements.

01.01.2022 The finance industry has a bunch of acronyms and abbreviations that can make the home buying process a little confusing. But they’re not as difficult to understand as you might think. Take our short quiz to see how many you can answer!