Ralph Paananen and Evi Wyszenko at Loanmarket. in Buff Point | Financial service

Ralph Paananen and Evi Wyszenko at Loanmarket.

Locality: Buff Point

Phone: +61 418 233 914

Address: Moola Rd 2262 Buff Point, NSW, Australia

Website: http://www.loanmarket.com.au/brokers/ralph-paananen

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• Financial service
• Loan service
• Mortgage brokers

17.01.2022 Bank Rates are from 2.29% for Refinancing, if you are not getting a rate like this from your bank I am here to help you. Some lenders are also offering up to $4000 rebate. Based on $500K loan, Owner Occupied, Principal & Interest repayments, 30 year loan term. Interest Rate Mthly Repayment Total interest over 30years... 4.03% $2396 $362,464 2.09% $1871 $173,445 Savings $525 / Mth $189,019 total saving M 0418 233 914 E [email protected] https://www.loanmarket.com.au/ralph-paananen

15.01.2022 Bank Rates are dropping, some below 2.5% How can I help you? While we’re heading more and more into isolation, this could be the perfect time to focus on your finances - from the comfort of your couch. Reach out and we’ll book a video or phone call this week to discuss: Has your situation changed? How can I help you navigate any tough times?... Understand your rights under your mortgage for such things as 'repayment holidays' when in times of distress or default. Refinance options to take advantage of the new RBA rate drops. Repricing to see if your current lender can offer you a better deal. Understand your redraw facilities. What is or is not available and what other access to credit do you have? Make use of your offset accounts to reduce interest costs and store any excess funds. Possibly reduce your repayments back to the minimum if you are paying more than required (a temporary strategy). In the market? Let’s get you pre-approved to take advantage of the market. Understand the equity in your property. I can arrange a valuation. Feel free to call and discuss - 0418 233914 E - [email protected] W - https://www.loanmarket.com.au/ralph-paananen See more

15.01.2022 You wouldn’t believe the lengths we go to in order to gain loan approvals for our clients.

02.01.2022 $25K Home Builders Grant Everything you need to know. In the midst of the craziness that is 2020, there is always a silver lining. The federal government announced a $700 million housing package for Australians to access $25,000 grants to build a new home or start a major renovation. What does that mean for you?... As a first home buyer or owner-occupier, understanding what federal grants, incentives and discounts that are available to you can be a nightmare. We’ve cut through the headlines and jargon and created a snapshot of the HomeBuilder Grant. Here’s everything you need to know. What is the HomeBuilder Grant? $25,000 grant to build a new home or start a major renovation Available to eligible first home buyers and owner-occupiers Must be entering into building contract between 4 June 2020 and 31 December 2020 Construction must be with a licensed builder, and start within 3-months of the contract date Available to anybody who successfully applies Who’s eligible? To access HomeBuilder, owner-occupiers must meet the following eligibility criteria: you are a natural person (not a company or trust); you are aged 18 years or older; you are an Australian citizen; you meet one of the following two income caps: $125,000 per annum for an individual applicant based on your 2018-19 tax return or later; or $200,000 per annum for a couple based on both 2018-19 tax returns or later; you enter into a building contract between 4 June 2020 and 31 December 2020 to either: build a new home as a principal place of residence, where the property value does not exceed $750,000; or substantially renovate your existing home as a principal place of residence, where the renovation contract is between $150,000 and $750,000, and where the value of your existing property does not exceed $1.5 million; construction must commence within three months of the contract date. What’s considered a ‘renovation’? If you are thinking about a renovation, to receive HomeBuilder the works must improve the accessibility, safety and liveability of the dwelling. Additions to the property such as swimming pools, tennis courts, outdoor spas and saunas, sheds or garages aren’t allowed (unconnected to the property). What does a licensed builder mean? Renovations or building work must be undertaken by a registered or licenced building service 'contractor' (depending on the state or territory you live in) and named as a builder on the building licence or permit. If you're a first home buyer there's lots working in your favour! The HomeBuilder Grant works with the existing grants available (stamp duty concessions, state and territory First Home Buyer Grants, along with the national Commonwealth First Home Loan Deposit Scheme and First Home Super Saver Scheme). How can I help? If you're thinking of applying for a construction loan, we can discuss how this works and how to proceed. Ralph Paananen 0418 233 914 [email protected] or follow link below.......

01.01.2022 You're already paying off a mortgage, it's just not yours. I can show you how to pay less and potentially own it. "Sometimes a mortgage is less than Rent"