David Hancock | Mortgage brokers

David Hancock

Phone: +61 431 822 304

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24.01.2022 Frustrated and looking to refinance? You don’t have to shop around for the right rate by yourself. With access to over 30 lenders, I can help do the legwork to find you an alternative. Save your tears and give me a buzz on 0431 822 304. #refinance

22.01.2022 If Ross can do it, you can too. I'm here to help. Feel free to reach me on 0431 822 304. #Ross #Rachel #Friends #nonconformingloans Astute Ability Finance Group

19.01.2022 If your finances are a mixed bag, don't let it stop you from owning your dream home. Looking to speak to an expert? Give me a buzz on 0431 822 304.

14.01.2022 Living at home? Renting out? If you’re looking to own your dream home, now is the perfect time. The First Home Loan Deposit Scheme means you can bring a 5% deposit, no LMI and the Australian government will cover the remaining when you secure finance through an aligned lender. Don’t hold back, let’s chat! Call me on 0431 822 304. #firsthomebuyer

13.01.2022 http://astuteability.com.au/astute-ability-group-covid19-s/

12.01.2022 https://www.realestate.com.au//coronavirus-nsw-governmen/

12.01.2022 So how do you work out which type of home loan is right for you?

12.01.2022 An interesting result showing that it is a great time to review all of your loans for potential savings. One out of every five Aussies would not consider refinancing to another lender, even if it meant securing a better deal. That’s the result of a recent survey by Finder, which showed a false sense of loyalty, set-and-forget mentality, and lack of motivation were some of the key reasons that 17% of Australians were staying shackled to their home loan.

10.01.2022 March 2020 Cash rate at a record low of 0.50% After a tumultuous few months, the Reserve Bank of Australia (RBA) has decided to drop the cash rate by 25 basis points, taking it to a new low of 0.50 per cent.... In the official release by the RBA, it was stated that the near-term outlook for the global economy remains cloudy as the impact of the coronavirus takes effect. The same goes for the Australian economy as we face uncertainty across multiple sectors. But what does this all mean for the housing and credit sectors specifically? Governor Philip Lowe had this to say: There are further signs of a pick-up in established housing markets, with prices rising in most markets, in some cases quite strongly. Mortgage loan commitments have also picked up, although demand for credit by investors remains subdued. Mortgage rates are at record lows and there is strong competition for borrowers of high credit quality. Credit conditions for small and medium-sized businesses remain tight. In short, conditions remain strong in our housing and credit sectors, with a competitive market giving borrowers plenty of options to get a better deal. To find out if you could be saving on your current or future loan, please get in touch today! See more

10.01.2022 https://www.bhg.com.au/5-need-to-know-tips-for-first-homebu

09.01.2022 Confused about how the Government's new #HomeBuilder scheme will work? Here's a helpful explainer. More details: http://9Soci.al/LyII30qMt07 #9News

05.01.2022 Good news for those with mortgages. RBA have dropped interest rates again (the 3rd one this year). So if you haven't checked in a while to see if you can get a better mortgage deal (it's a lot quicker and easier than most people think), you could be missing out on the chance to pay off your home years faster.... E.g. if you have a 30-year $400,000 mortgage, a 0.75% decrease in your interest rate (from 4.5% to 3.75%) would decrease your mortgage payments by about $174 a month.* Doesn't seem like a life-changing amount. But if you use that to pay down your mortgage faster, you'll end up paying off your home 4.5 years faster! Of course, not all banks and lenders have reduced home loan interest rates by the same amount, so make sure you look around to find the best deal. It could mean paying off your home years faster. *Just an approximate example. Feel free to reach out to see if and how much you might be able to save in your case.

04.01.2022 December 2019 RBA leaves cash rate until February 2020 As was widely expected, the Reserve Bank of Australia (RBA) Board decided to leave the cash rate unchanged at 0.75 per cent. Governor Philip Lowe had this to say in his official statement:... There are further signs of a turnaround in established housing markets. This is especially so in Sydney and Melbourne, but prices in some other markets have also increased recently. In contrast, new dwelling activity is still declining and growth in housing credit remains low. Demand for credit by investors is subdued and credit conditions, especially for small and medium-sized businesses, remain tight. Mortgage rates are at record lows and there is strong competition for borrowers of high credit quality. The easing of monetary policy this year is supporting employment and income growth in Australia and a return of inflation to the medium-term target range. The lower cash rate has put downward pressure on the exchange rate, which is supporting activity across a range of industries. It has also boosted asset prices, which in time should lead to increased spending, including on residential construction. Lower mortgage rates are also boosting aggregate household disposable income, which, in time, will boost household spending. So, what does this all mean? Regardless of the cash rate staying on hold, home loans have never been so competitive. This means now is the ideal time to get in touch and determine if your loan is still ideal for your needs. Speak to us today! See more

03.01.2022 Make sure you label your spending transactions properly!

02.01.2022 It doesn't take superpowers to manage your finances. As a finance expert, I can help you with the legwork, and make sure your finances don't turn into your kryptonite. Feel free to drop me a message or a call on 0431 822 304. #batman #astuteabilityfinance Astute Ability Finance Group