Dual Income Concepts in Cremorne, Victoria, Australia | Financial service

Dual Income Concepts

Locality: Cremorne, Victoria, Australia

Phone: +61 410 663 111

Address: 6 Palmer Parade 3101 Cremorne, VIC, Australia

Website: http://www.dualincomeconcepts.com.au

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• Mortgage brokers
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25.01.2022 We understand most people work 9-5 and may struggle to find the time in their day to get in touch with a mortgage broker or bank. The upside is that, unlike banks, we can: Be contacted after hours We can come to you so you don’t even need to leave your home We are happy to work around your busy schedule to find times that suit you. For more information contact us today http://bit.ly/2kQy2e1

25.01.2022 When it comes to home loans, it’s the smallest details that really do count. Need some help understanding variations in different home loans? Contact us today

25.01.2022 What's the way to your heart this Valentine's Day? A) Fancy night out B) Romantic night at home C) Forever single 49% of couples are expected to avoid spending money on their lovers this year, so we want to know what your ideal Valentine's Day looks like...

24.01.2022 Even if you think your income will increase over the next few years, you might also come across new circumstances that increase the other expenses in your life. Marriage, children, schooling and new cars can be expensive costs. A broker can find the right loan to suit you, message us today!

24.01.2022 Did you know you can often borrow more with a broker on your side? With access to plenty of lenders, local knowledge and experience, we can put you in touch with one of our brokers that will take the time to get to know you and find a loan that suits you! Stop procrastinating and start ticking off your goals. Contact us today.

24.01.2022 The average first-home buyer needs to put down a deposit of approximately $100,000 to secure a property. If you don't have enough saved for a deposit yet, don't rule out the option completely. Consider using a guarantor on your home loan, it could be your key to entering the property market, just ask us how.

23.01.2022 For the 19th consecutive month, the Reserve Bank of Australia (RBA) has decided to leave the official cash rate on hold at 1.50%. The two market leaders have announced changes to their fixed home loan rates, the biggest reductions from Commbank being to investors and interest-only investors. For this reason, now could be a good time to consider fixing your interest rates - for more info contact us today.

23.01.2022 Do you know you might have unused equity in your home, which you might be able to use to help you buy an investment property, or even for a home project? Speak to us today and we can show you how.

23.01.2022 The first step in any financial plan is deciding what you what your end goal is. Once you know your goal, we can help you piece together the puzzle step by step in order to get there. Our specialist advice can help you make better choices so you have solid financial foundations to build upon. Optimise your finances by contacting us today http://bit.ly/2mIS9bq

21.01.2022 Shopping for your dream home? Having home loan pre-approval in place means you’re ready when you find the home of your dreams. To obtain a pre-approval, contact us today.

21.01.2022 40% of Australians don't know their current interest rates, meaning they are likely paying too much. If you're reading this and you don't know your current interest rate, let us do the legwork for you in finding if your rate is still suitable for your situation.

21.01.2022 When it comes to home loans, its the smallest details that really do count. Need some help understanding variations in different home loans? Contact us today

21.01.2022 You can start by increasing your mortgage repayments & frequency. This will allow you to own your own home sooner and save yourself a great deal on interest costs. E.g. If you have a $350,000 home loan and you start paying an extra $10 per week (@7% average), you will knock almost two years off your mortgage and save up to $34,382.65 in interest expenses. If youd like to find out more about how to manage your finances, contact us today.

20.01.2022 When it comes to home loans, it’s the smallest details that really do count and sometimes they're hard to spot. Need some help understanding variations in different home loans? Contact us today http://www.dualincomeconcepts.com.au/

20.01.2022 Did you know Aussie couples (aged under 35) spend an average of $41 a week on alcohol, that's $2132 a year. That may not sound like much, but over a 10 year period that adds up to a whopping $21,320! If you can cut your expenditure completely then you could have an extra $2000+ in your bank account each year. If you can even halve your weekly alcohol spend to $20.50 a week, you could save a substantial $10,660 (approx) over the next 10 years. Instead of struggling to meet your mortgage repayments or credit card debt, small sacrifices like these could help you get ahead. If you want to know how much you could save by making extra repayments on your mortgage feel free to contact us to discuss your finances.

19.01.2022 We can help you review your home loan regularly to check it still REMAINS COMPETITIVE and that it continues to meet your needs. Did we mention we do all this at no cost to you?! To review your home loan contact us today

18.01.2022 Did your credit card tapping get a little out of control over the holidays? Stress less, we're here to help you consolidate your debt and reduce your interest repayments to get you on track for 2019. Speak to us for strategies to reduce your debt quickly.

17.01.2022 Are you due for a home loan health check? There could be better interest rates or new features available to you such as flexible repayments and redraw facilities which could save you money! For a complimentary home loan health check at no cost to you, contact us http://bit.ly/2FOGnF6

17.01.2022 Don't let your debt rule you. No one like paying bills but procrastinating only makes you more susceptible to late penalty fees, and more debt. TAKE CONTROL, and get on top of it today - you'll thank yourself for it.

16.01.2022 Thinking about buying your first home? We know it can be confusing and stressful trying to understand all of the finance jargon involved with finding a home loan. Many first home buyers make the mistake of signing agreements they don’t completely understand. Avoid these types of risks by speaking to a finance specialist like us for help. Contact us today http://bit.ly/2B7Pd1L

16.01.2022 It’s time to live the life you want! We’re giving one lucky winner a $500 Marketplacer voucher to spend on home & garden, outdoor living, entertainment and more, by booking in for a home loan health check! To enter: (1) Like our page and enter here http://bit.ly/2oBNtoP Feel free to Tag your friends too! *T&C's apply

16.01.2022 Summer holiday on the cards? There's nothing wrong with splurging while travelling, but the wrong type of credit could end up costing you more than you bargained for! Here are our top tips of things to avoid... - Pay day loans - Cash advances - High interest credit cards... Contact us today to learn more and get your holiday finance ready!

15.01.2022 Are you sick of carrying your wallet on your morning jog? Now you can put a ring on it instead! Amazing technology simplifying the buying process, but will you double your daily coffee spend because it's almost 'too easy'? Love to hear from anyone who has one!

15.01.2022 Have you got a case of the winter blues and need a trip away? Let me guess... your finances are the only thing hindering you from going on your luxury holiday? If your finance is structured correctly it should be an enabler, allowing you more freedom to life life to the fullest - not a hinderance. If you're ready to make a positive life change for your future, contact us and we can help you restructure your loan so you have all the flexibility you need for your upcoming holiday plans. The best part is we can come out to you and the service is no cost to you because we get paid the bank!

15.01.2022 Are you planning to renovate anytime soon? Talk to us first! we’re here to help with finance strategy, structure and credit advice that could potentially save you 1000's of dollars.

15.01.2022 Food for thought #happyfriday #alfredsheinwold

14.01.2022 Property investing is a tried and tested method to building a solid safety net and wealth for your future. Well help you structure a home loan or loans and help you to be more tax-effective in how you invest. Well also advise you on how to make smart repayments to pay your loan off quicker. Find out how much you can borrow, by contacting us today.

14.01.2022 When it comes to home loans there's no "one size fits all". With access to 100's of products from a panel of 30+ lenders, we can provide you with competitive rates and find a tailored solution to suit your needs. Talk to us today for more info.

14.01.2022 Did you know that it doesn't cost you to use our mortgage broking services? We provide expert knowledge without any hidden fees, instead we get paid a commission by the bank or lender. Even more reason to consult a broker Message us to organise an obligation free consultation!

13.01.2022 Want to know how much you can lend? Lots of factors can affect your borrowing power, but as brokers we have access to 30+ lenders and we know what each lender is looking for and which lender is right for your situation. Find out how much you can borrow today?

12.01.2022 Are you planning to renovate anytime soon? Talk to us first! were here to help with finance strategy, structure and credit advice that could potentially save you 1000's of dollars.

12.01.2022 News Update: The RBA Board has just released a statement with their decision to leave the cash rate unchanged at 1.50 per cent. The low level of interest rates is continuing to support the Australian economy. Further progress in reducing unemployment and having inflation return to target is expected, although this progress is likely to be gradual. Read the full statement here: https://www.rba.gov.au/media-releases/2018/mr-18-16.html

12.01.2022 Friday Home Hacks!

11.01.2022 Are you feeling overwhelmed with personal debt? If you have multiple credit cards, personal loans or car loans, you may be able to combine these with your home loan to make substantial savings on your interest repayments. If you want to learn more feel free to contact us today and we can organise a consult to find out how much debt consolidation could save you.

11.01.2022 **News Flash** Rather than banks and lenders paying mortgage broker fees, new recommendations by the Haynes Royal Commission suggest home loan customers may now need to front up and pay mortgage brokers themselves. Brokers are fighting back as we see this as a "massive win" to the big four banks, which experts are saying could conveniently save banks up to $2.6 billion and could drive up the cost of borrowing for consumers. ... If you've had a positive experience with a broker, we would love you to show your support by visiting https://buff.ly/2HWOwg7 and help us diminish the changes so we can keep providing you support.

11.01.2022 A common question from First Home Buyers - What is Lenders Mortgage Insurance (LMI) and do I need it? Have no fear, your broker is here to explain all the confusing finance jargon and the costs involved in buying your first home. And remember, you dont pay us a fee, the banks do. To learn more about buying your first home, contact us today.

11.01.2022 NEWS UPDATE: Small businesses will have now have easier access to funding after the Australian government just announced a $2billion Australian Business Securitisation Fund! With this new initiative, we can help you achieve long term equity capital investments to innovate and grow your business without taking on additional debt, or forfeiting control of your business. If you'd like to find out how we can help your business, let's chat!

11.01.2022 New credit card regulations are are being introduced to help reduce the high rate of debt amongst Australians. This includes a 3 year responsible lending assessment and restricted credit card limits. If you're struggling with debt or you're looking into a new credit card, DM us and we can help you find the most competitive products on the market. To learn more about the new fees and charges in 2019, access the full article here: https://buff.ly/2BQZE7V

10.01.2022 Just a gentle reminder; it's almost EOFY again, so time to make sure all of your finances are in check.

09.01.2022 As of 1 July 2019, Australians can look forward to positive changes to the "Comprehensive Credit Reporting" (CCR). These changes could be beneficial for people who have the means to take on a loan but may have had a few blemishes in the past, such as one or two missed payments. To find out more, feel free to comment with any questions you have.

09.01.2022 At its meeting today, the Reserve Bank decided to leave the cash rate unchanged at 1.50 per cent for the 22nd consecutive meeting with the same outcome, extending the most sustained period of monetary policy stimulus on record! Read the full statement here: https://www.rba.gov.au/media-releases/2018/mr-18-17.html

09.01.2022 Put on hold again? Waiting for a call back? Never ending cues? Don’t waste your time. Speaking to a broker allows you to and get on with your life while we look after the tricky stuff for you. For any loan queries contact us today. http://bit.ly/2EsorPR

09.01.2022 Start living the life you want in the home of your dreams. We have the pleasure of making our client's dreams a reality everyday by providing our clients tailored financial solutions to suit their needs. - speak to us today and we'll help you get into your home sooner. http://bit.ly/2C5NqHM

08.01.2022 Although the current official cash rate remains steady, high household debt and stagnant wage growth in Australia means more borrowers’ are subject to risk if economic conditions change. One of the best things you can do is ensure the interest rate structure on your home loan is suitable for your future, that’s where we can help We can advise and assist with your short or medium-term plans to see whether a fixed or variable rate is more suitable. Contact us today.

08.01.2022 Is your home in need of a face lift? #renotime #talktous

08.01.2022 Happy Chinese New Year to all! Now is a great time to get a home loan health check to see if you can refinance for a better rate! For a complimentary consultation contact us today.

08.01.2022 New credit restraints are being introduced in January 2019 that will limit spending habits. It's important to check your credit card portfolio now before the new changes occur, and consolidate your debt. Youre going to need to do that anyway because of your credit card exposure, but also if you want a mortgage youre going to have to reduce that. Contact us today for a complimentary credit health check!

08.01.2022 Take a moment over this Christmas break to get your finances in order. Contact us to organise a review of your home loan to see if you could be on a better deal so you can enjoy a stress-free new year! http://bit.ly/2C5NqHM

08.01.2022 Take your dreams and bring them to life. We have the pleasure of watching dreams become reality everyday, by providing our clients tailored financial solutions to suit their needs. Dont watch your dream fade, you can start living the life you want to - speak to us today and well show you how. Contact us today.

07.01.2022 'Comprehensive credit reporting' is being implemented soon - so what does that mean for you? Lenders are making it harder to borrow if you've had a history of bad debt. We can help you plan your finances right and reduce the risk of knock-back from the lenders.

07.01.2022 Moving home? Switching home loans could potentially save you thousands of dollars in interest or let you take advantage of features offered by another loan. We can compare loans for 30+ lenders to find the one that’s right for you. Speak to us today http://bit.ly/2C5NqHM

07.01.2022 It's no secret that entering the property market has become a challenge for first homebuyers over recent years. Current lending restrictions and lifestyle factors are commonly blamed for the financial struggle that first home buyers are experiencing. The average home... loan size has grown considerably over the last decade; the average home loan in 2005 was $277,500, compared to today's national average of $400,000. Regardless of the reasons why, an average required deposit of 20 per cent to avoid paying lenders mortgage insurance (LMI), is completely out of reach for many first home buyers - unless they're seeking help from their parents. Guarantor Eligibility If your parents are willing to go home loan guarantor, then you may have another option for weaving your way into the property market without needing such a huge lump sum of cash saved for your deposit. In order to qualify as guarantors, your parents need to prove that they have the capacity to finance your loan in the case that you don't meet your repayment obligations. There's a lot to consider as going guarantor means your parents will be liable for your loan if the required repayments are not met. Parents need to consider the risk associated with becoming a guarantor, taking into account job stability, retirement and other obligations that could potentially affect their ability to repay that debt. Removing a Guarantee On a positive note, guarantors are not locked into that commitment forever - once your Loan to Value (LVR) is at 80% or less, most lenders will allow you to remove the guarantee and still avoid the cost of LMI. Despite popular belief, the guarantee is not automatically removed when you owe less than 80% of the property value, you will still need to submit an application for a loan guarantor release otherwise it will remain there for the life of your loan. Speak to your broker for specialist help. Removing the Guarantee at 90% LVR There is an option offered by some lenders to remove your guarantee at 90% LVR. Although, you should be aware you can be charged an LMI premium. Make sure you're not overlooking any fine print before you commit to anything. Or even better, just call us and we're happy to guide you through it. To summarise, if you're struggling to save for a deposit and you know someone who's happy and eligible to support you as a guarantor - it's definitely an option worth considering. Spend some time weighing up the pros and cons and speak to a home loan expert to make sure you're not over-stretching yourself or exposing your guarantor to adverse risk. Contact us for help.

07.01.2022 Are you looking to refinance your home loan? Ask us when and why you should refinance.

06.01.2022 Shopping for your dream home? Having home loan pre-approval in place means youre ready when you find the home of your dreams. To obtain a pre-approval, contact us today.

06.01.2022 If you lost your job would you still be able to manage prepayments on your home loan? These are the types of questions you should be considering when planning out your finances. Need some advice? We can help you manage risk and plan your finances for unexpected changing circumstances. For a home loan revaluation, contact us.

06.01.2022 The RBA has once again decided to hold the cash rate at a steady 1.5 per cent, making it 16 months since the cash rate has moved.

06.01.2022 Don't wait until the new year to find a better home loan, today is the busiest shopping day of the year it's also a great time to shop for a home loan bargain! Contact us to see if we can find you a better rate http://bit.ly/2C5NqHM

06.01.2022 If you’ve found a property you are interested in buying, it’s a good idea to organise a professional building inspection to make sure there are no structural defects, or issues that you may not necessarily see or know from just attending an open for inspection. Make sure you also have your finances Pre-Approved before bidding at any auctions! We can help you obtain pre-approval - Contact us

05.01.2022 There's a reason why investors are seeking assistance from mortgage brokers, if you're an investor we can provide you with finance solutions tailored to your needs that can save you money. Contact us today.

05.01.2022 Are you one of many struggling to save for a home loan? Lets change that, for specialist advice on pre approval, loan deposits and home loans in general, contact us today.

04.01.2022 COMPETITION TIME One lucky winner will take home a $500 voucher to spend on home & lifestyle goodies! Simply 'Like' our page & enter. Feel free to Tag your friends too! *T&C's apply

04.01.2022 We understand cash flow is an increasing problem for the SME sector, and the property market has left many SMEs unable to go to mainstream banks for extra funding. If youre time poor and need help with extra funding for your business, we can help - Contact us today.

04.01.2022 At its meeting today, the Reserve Bank of Australia (RBA) Board decided to leave the cash rate unchanged at 1.50 per cent.

03.01.2022 If youve found a property you are interested in buying, its a good idea to organise a professional building inspection to make sure there are no structural defects, or issues that you may not necessarily see or know from just attending an open for inspection. Make sure you also have your finances Pre-Approved before bidding at any auctions! We can help you obtain pre-approval - Contact us

03.01.2022 Moving home? We can help get you prepared to move home by assessing your home loan to see if switching to a different one could potentially save you thousands on your new home! Contact us today

03.01.2022 Are you one of many struggling to save for a home loan? Let’s change that, for specialist advice on pre approval, loan deposits and home loans in general, contact us today.

02.01.2022 Christmas is a time for giving, but it seems to have a great way of 'taking' from our bank accounts each year too. This year is going to be different, say goodbye to excessive Xmas bills - This list will change your life!

02.01.2022 Do you drive further to save money on petrol? Many do this because it feels like a quick easy win, but for what- a few dollars? Moving to a low-rate credit card or changing car insurers might save you a three-figure sum. Speaking to your broker for a better interest rate or changing banks altogether could potentially save you tens of thousands over the life of your mortgage. Many of us sweat the small stuff like petrol prices, but ignore or don't bother reviewing our most significant bills. It only takes 2 minutes to send us a message or comment, that 2 minutes could save you thousands - contact us today.

02.01.2022 What do you want to achieve this year? 85% of Aussie's fail to stick to their new year's resolutions, most of the time it's because they don't have a realistic plan in place. We can help you plan your finances to set you up for success. If you're serious about making some positive life changes, contact us today http://bit.ly/2C5NqHM

01.01.2022 Deciding where to send your child to school in 2019? Where you live can have a huge impact on your child's education. Find out how much you can lend today to get your child in the right school zone.

01.01.2022 One of Australia's most trusted analysts, Deloitte, has just released their latest "Value of Mortgage Broking" report, which highlights the benefits of engaging a mortgage broker. After conducting an in-depth analysis of the mortgage broking industry, the report states that overall, mortgage brokers make mortgage markets work better. This is mainly due to the increase in choice and competition between lenders caused by mortgage brokers, leading to better service levels and... more competitive pricing for consumers. Mortgage brokers now arrange 55.7% of home loans which is more than lenders organise directly. Additionally, reporting data showed 90% of mortgage broking customers were satisfied with the service they received. In recent years, the integrity of the mortgage broking industry has continually been under scrutiny, resulting in negative public perception of mortgage brokers. This report challenges past perception by bringing new statistics to light, proving mortgage brokers are in fact having a positive impact on the finance industry overall. Such a level of competition benefits Australian home buyers, refinancers and investors by ensuring you have a wider variety of loans and lenders to pick from. If you're in the market for a new home, investment or haven't refinanced in years, as your trusted local broker, we would love to hear from you. Want to read the full report? You can read it first hand here: https://www2.deloitte.com//art/value-mortgage-broking.html

01.01.2022 When saving gets hard think about it this way...it only takes a little bit every day and that holiday is within reach

01.01.2022 Our top tip for saving this month is...an Alcohol FEBFAST! According to a Febfast report, 81% of people who participated saved money to invest in something awesome like a holiday, or a house! Are you up for the challenge? #febfast