Cosimfree Home Loans in Geelong, Victoria | Loan service

Cosimfree Home Loans

Locality: Geelong, Victoria

Phone: +61 1300 463 733

Address: Level one 8 Gheringhap 3220 Geelong, VIC, Australia

Website: http://www.cosimfree.com/

Likes: 1092

Add/Update information

Reviews

Tags

• Property
• Loan service
• Mortgage brokers

25.01.2022 Every time a Team Cosimfree member gets their clients’ loan approved we bang our Nepali Singing Bowl. How many loans did Emily just get approved?!?!? Awesome work Em!

24.01.2022 Cosimfree Homeloans has settled over $50 million in the first quarter of the Financial Year! 2020 has been the Unexpected Year. (I am not going to mention the obvious), but in the mortgage world ... Home Loan interest rates have never been lower. ... Lending has tightened as banks examine your every expense. The property market was forecast to plummet but Regional areas like Geelong have defied that forecast. And last week the Govt said lending would loosen up again. Now they are saying rates will drop further. What will this do to our resilient Geelong market? My tip, you are better off in the market than not. With so many govt grants, and low rates Cosimfree has never been busier (in fact on Monday we will have grown to 12 staff!) And just three years ago I would not have imagined hitting $50 million in home loan settlements in a 12 week period. So, if you need us to look at your options give us a call. If you see a property you like request one of our free Property Reports. Or if you haven’t become a Cosimfree client yet let us do a health check on your loan. We have many lenders offering up to $4000 to you as a cash rebate if you refinance to them. Let us see if you qualify! Better broker. Better mortgage. [email protected]

23.01.2022 We are growing & I look forward to introducing you to some new faces (all wonderful big-hearted people) to make the Cosimfree experience even better in 2021! With 4 new people starting in our Assessment Team and also our Home Loan Health Check Team ... We have grown to.... Well count the silhouette people.

23.01.2022 1.94% fixed four years. Astonishingly low. And $4000 refinance cash back too????... Lost for words. Better broker. Better mortgage.

21.01.2022 Team Cosimfree, I just wanted to send a massive thank you to everyone at Cosimfree, especially Warren, Lisa and Alice. I never would have thought I’d be able to build a house at 21 years old but you guys made it possible! I’ve now been in the house for three nights and am beyond happy. Thank you so much for all of your hard work and help over the last 12 months. ... You’re all a bunch of absolute legends!! P.S. I will continue to convince all of my friends who are going down the same path to come and see you guys. P.P.S. I hope to be purchasing my second home in 12-18 months but I’ll keep you updated. Kind Regards, Courtney O’Neil

21.01.2022 In a move that would have seemed impossible just months ago, the Reserve Bank of Australia (RBA) has cut the nation's official cash rate from 0.25% to a new record low of 0.10%. Today’s rate cut will only have a material impact on Australia's mortgage market if the banks opt to pass the savings through to their customers.

21.01.2022 ASHBURY ESTATE Land titling soon and available as buyer is not proceeding. If you’re interested in a 400m block pls email [email protected] for details. $277500

20.01.2022 Can you use the $25 000 Home Builder Boost to get a home loan? Most banks do not accept applications that rely on the government Home Builder grant. This is because in some states an application for the grant cannot be made until construction has commenced, meaning eligibility for the grant cannot be confirmed at the time of the loan application. The First Home Owner's Grant can be used as the application is made with your home loan application.

17.01.2022 Two more loans just approved. That’s five today (so far!) Great work Team Cosimfree.

15.01.2022 Cosimfree Homeloans has so many happy clients because of the extra effort we put in! I received this message 3 minutes ago from a bank... Thank you for your recent home loan application for (name blocked out). The quality is outstanding! We really appreciate the time, effort and focus on the quality of this submission. This helps us provide a quicker response for you and your customer.... your work Emily Geer-Smith (and all Team Cosimfree). #differentinagreatway.

14.01.2022 Woo hoo! The first loan approved in the hands of Marina one of our newest team members. #lovebangingthegong

14.01.2022 What a morning. What a city!

13.01.2022 Team Cosimfree are all sending their best wishes and prayers to Billy Bubb. Wishing you the best recovery possible Billy.

13.01.2022 $$ ONE MILLION $$ in Car Loans just ticked over. We have financed so many cars already in 2020. And these wheels are some of the nicest we have been able to obtain a great low rate car loan for.... Happy travels Veronica. Stay safe on the road

13.01.2022 Team Cosimfree has two brand new people in our Home Loan Health Check Crew. Andrea and Clare are kind and sweet and petite and ... absolute lionesses when it comes to telling banks what they have to do for our clients.! Every year, every Cosimfree Client gets an annual Home Loan Health Check. ... If the rate has gone up Clare & Andrea knock it back down. And then they let our customer know. Love reading this response from a client tonight who has saved thousands because of our Home Loan Health Check... Thanks again for the call giving me the great news. You guys are the absolute best and go above and beyond for your customers and I greatly appreciate it. If they interrupt your day because it’s your turn to get a rate discount be nice to them. They have your best interests at heart

11.01.2022 It’s a dog of a day in the office today

11.01.2022 Happy Australia Day... Not sure who this larrikin is but Grab ya free snag on the Waterfront

10.01.2022 Some big goals achieved this week for Team Cosimfree. #ONE in Australia for amount of money loaned using NAB white label (this is NAB money loaned by Brokers)... #ONE in Australia for Professional Lenders Association Network for amount of lending settled (residential and commercial) And we have just broken a personal record for amount of money we have settled at ANZ, too. Out of little old Geelong.

09.01.2022 Great day to share a lunch with Team Cosimfree. It has been crazily busy for months and this was a chance to take the nose from the grindstone for an hour or so. A special chance to welcome the new staff Clare, Andrea, Glen and Marina aboard!... And how great does Sarah look #callitwarren

08.01.2022 Ironic. Cosimfree.

07.01.2022 A few days ago I posted ... There are 3 simple things to remember if you want your home loan approved. You NEED all 3:... 1) Good credit CHARACTER 2) Sufficient & suitable EQUITY 3) Stable, secure, sufficient & satisfactory INCOME Each of the three major criteria have lots of little things surrounding them. AND each and every bank has different policies as they look at the THREE foundations of lending. This is the third of three posts and this time I’m focusing on INCOME. 1) INCOME is primarily Do you earn enough to pay your home loan (even if rates go up) & still be able to pay your normal household bills. However, it is also HOW you earn the income. Part-time is better than casual and full-time is better than part-time. What you do makes a difference. e.g. Income from nurses, police, firemen, ambos and all essential workers is treated more favourably than many other occupations. Over-time and commission and bonus income is not treated kindly. Usually the banks will only consider a fraction of that income and only when it is proven to be consistent, reliable and ongoing. If you are self-employed most banks want you to be trading for at least two years (One major bank just reduced this to 18months) and most want two years of tax returns with CONSISTENT taxable income. (One major bank is very good at using one tax return). The banks will look at how much you earn and how much you’ve been able to save. Earning a lot and saving little rings alarm bells. Income is so many things. And how much you can borrow based on income will vary considerably from one lender to another. Every bank has their own SERVICEABILITY calculator that says how much you can afford. To see how much you can qualify for, you need professional advice. Better broker. Better mortgage.

07.01.2022 MAKING AN OFFER How can you get the advantage when making an offer on a property? There are so many things we can do for you. ... Again this week an agent has said to me, We had the same offer from another buyer but I urged the vendor to take your client’s offer when I knew Cosimfree were handling the finance To think we not only got our client a great loan... and saved them $thousands in interest... and have a professional service... but we were the reason they got the home they had their heart set on Better broker. Better mortgage. Better chance of getting your home.

06.01.2022 LATEST RATES... 2.09% and 100% Offset Just WOW!... Better broker. Better mortgage. See more

06.01.2022 If you can help Billy (who has just had a serious accident) he and his family would be very appreciative. He is a lovely young man with a tough road ahead. Thank you... Warren See more

05.01.2022 QBE HOUSING OUTLOOK 2020-2023 Geelong Outlook: Geelong’s affordability advantage over Melbourne is expected to continue to draw population from Melbourne, particularly with first home buyers taking advantage of the stamp duty concessions for dwellings... under the $600,000 threshold. The Home Builder scheme will see a further boost to demand over the remainder of 2020, with house-and-land packages the subject of increased demand. However, with Melbourne house prices becoming more affordable after strong expected declines in 2020/21, the impetus to Geelong prices is likely to be reduced, and total growth in Geelong’s median house price to June 2023 is expected to be broadly similar to that of Melbourne. This will take its median house price to $549,000 at June 2023, noting that this will remain below the current median house price of $555,000 in June 2020. If you would like us to email you the Australian Housing Outlook 2020-2023 Report please email [email protected] or [email protected] with "Australian Housing Outlook" in the subject heading. Better broker. Better mortgage.

05.01.2022 Did you know???....... The $20 000 First Home Owner's Grant no longer exists for established properties less than 5 years old. You must build a new home for the $20 000 (regionally) FHOG.... Find out more here https://www.sro.vic.gov.au/first-home-owner

05.01.2022 Every home needs a fire pit! Geelong made,too

04.01.2022 Cara & Luke & Zahli... Team Cosimfree adore you guys Thank you for your kind show of appreciation.

03.01.2022 "Hi Warren Thank you for your recent home loan application for above customer. The quality is outstanding! We really appreciate the time, effort and focus on the quality of this submission. This helps us provide a quicker response for you and your customer." ~Bank loan assessor... Better broker. Better mortgage.

02.01.2022 To think I pumped petrol on weekends after working full time all week just to pay the mortgage in 1991. Now I find rates from 1.94% (Fixed 4 Years) for my home loan customers some 30 years later. Better broker. Better mortgage.

02.01.2022 Amazing surprise announcement... Stamp Duty Savings from November 25!

01.01.2022 Seriously? 5 years fixed at 2.29%???????? Ohhhh Myyyyyyy. Lock it in Eddie. And $3000 cash rebate if I refinance to this? Goodness!!!! Better broker. Bettter mortgage. ... Ph. 5229 0055 See more

01.01.2022 Congrats on your new car, Bonnie. It looks amazing!!! Thank you for letting us help you with the finance. (Great job Sarah! ) [email protected]