Empire Financial Management Group in Kew, Victoria | Mortgage brokers

Empire Financial Management Group

Locality: Kew, Victoria

Phone: +61 3 9855 2720

Address: Suite 16, 79-83 High St 3101 Kew, VIC, Australia

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

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25.01.2022 Empire Financial Management Group would like their customers to know that today The Reserve Bank of Australia (RBA) has confirmed a cut to the official cash rate it is the third cut since June 2019. The RBA cut rates back-to-back in June and July 2019 to take official rates to a record low in a bid to jump-start the jobs market and wages from their historic lows. A further cut this month (October) means that Australias official cash rate is now at a record low of 0.75%. ...A Reserve Bank cut means a lower home loan rate for most borrowers, likely sparking cuts of somewhere between 0.15% and 0.20%. For most borrowers a cash rate cut would see them finally get their rate below 4%, with the lowest rates in the market likely to below 3%. Looking ahead, a poll of 35 economists conducted by Reuters predicted interest rates of 0.5% by early 2020. As a client of Empire Financial Management Group, if you are on Home Loan rates of over 4%, you should contact us to see if we can find a better deal for you. We already have fixed rates under 3% and would expect to see variable rates in this range in the next couple of weeks. We, at Empire Financial Management Group, look forward to assisting you get a better deal.

23.01.2022 The property market remains buoyant with First Home Buyers and Investors continuing to surge. We, at Empire Financial Management Group, look forward to hearing from you when you would like to get your first property or your next investment. Feel free to contact us if you would like to understand what your borrowing power is.

21.01.2022 We at Empire Financial Management Group often get asked where is a good place to buy. While we dont have a crystal ball and cant predict what house prices will do over time, a good indication is usually past performance; but the most popular suburbs are usually not very affordable. As such, we often talk about bridesmaid suburbs as being the ones that our clients should look at. Bridesmaid suburbs are the cheaper neighbouring areas to more sought-after locales and are of...ten seen as a second-choice option for buyers who want to be near amenities without the hefty price tag. However the downturn in the market recently has seen popular suburbs drop in value making them more affordable then they have been in years. So, if you are considering buying a property, contact Empire Financial Management Group to see what your servicing (affordability) looks like. We, at Empire Financial Management Group, look forward to assisting your next property and continue to build your financial empire.

19.01.2022 It has been a few months since Empire Financial Management Group posted on our Facebook page and for that we would like to sincerely apologise. Unfortunately, as COVID-19 took hold in Victoria and we changed our method of operation from our physical office to our home offices, we became inundated with queries to assist our clients in need. The result was that we neglected our social media presence. Still, that is no excuse and we sincerely apologise for our Facebook page not ...being kept up to date. Should any of you be experiencing financial hardship in your employment through COVID-19, please contact us on (03) 9855 2720 or email us on; [email protected] so that we can assist you with restructuring your bank obligations. We hope you continue to stay safe and well during these trying times. We look forward to speaking to you as you need us.

18.01.2022 Our clients often ask whether Fixed or Variable rate loans are better and so we are sharing this article from Macquarie Bank which is one of the banks on our panel. It is a great read if you are considering whether to fix or not. Currently we have variable home loan rates that around 3% and fixed rates (3 years) as low as 2.79%. Of course, when deciding on what to do with your home loan, we would always recommend a discussion with us first.... We, at Empire Financial Management Group, look forward to assisting you get the right deal for you.

18.01.2022 Welcome to the Empire Financial Management Group Facebook page! At Empire Financial Management Group we help our clients find the best financial products to meet their individual needs. We can help you with home loans, investment loans, commercial loans, business loans, car loans and plant and equipment loans. So, if you are looking for a new home, a new property, need finance for your business or would like to consolidate your debts, call us on (03) 9855 2720 or email us on: [email protected]. Dont delay, because we could save you thousands and best of all, our services are at NO cost to you!

17.01.2022 Empire Financial Management Group would like their customers to know that the Reserve Bank decided to leave the official cash rate on hold in December. We would expect that most borrowers would have Principal and Interest Home Loan rates no higher than in the low 3% range and Investment rates (Principal and Interest) in the mid-3% range. As a client of Empire Financial Management Group, if you are on higher rates than this, please contact us to review your rates. We, at Empire Financial Management Group, look forward to assisting you get a better deal.

16.01.2022 Firstly, from all of us at Empire Financial Management Group, we would like to wish you and your families a very Happy and Prosperous 2020. We are open again in 2020 now and look forward to helping you finance that next property. To that aim, one of the things we often get asked at Empire Financial Management Group is where is the next property hotspot. While we dont have a crystal ball, this article has some nice insights about where to get that next investment: A suburb of... Launceston tops the countrys best hotspots but there are plenty of options in Melbourne, Sydney and Canberra too. We, at Empire Financial Management Group, look forward to hearing from you when you would like to get that next property asset. Feel free to contact us if you would like to understand what your borrowing power is.

16.01.2022 Empire Financial Management Group would like our customers to know that today The Reserve Bank of Australia (RBA) has held official interest rates steady for the first time in three months, but warned there could be more cuts to come, as it waits to see the impact of its previous cuts on the economy. The RBA cut rates back-to-back in June and July 2019 to take official rates to a record low in a bid to jump-start the jobs market and wages from their historic lows. Now the R...BA will wait to see if the lower interest rates can jump start the Australian economy but there is a strong possibility that there will be further rate cuts later in the year. As a client of Empire Financial Management Group, if you are on Home Loan rates of over 4%, you should contact us to see if we can find a better deal for you. We have Home Loan rates well under 3.5% if you qualify. We, at Empire Financial Management Group, look forward to assisting you get a better deal.

16.01.2022 House Prices are surging Thanks to recent rate cuts and a slight loosening of lending policy at banks, the housing market is once again booming. So, if you are interested in getting a new home or investment, you should move quick.... We, at Empire Financial Management Group, can assist you in understanding what you can afford and so if you are in the market for a new property, contact us today. We, at Empire Financial Management Group, look forward to assisting you get into your new home.

16.01.2022 To our valued clients, Firstly, on behalf of Empire Financial Management Group, we hope that you are all safe and healthy and continue to stay that way. These are unprecedented times with the threat of COVID-19 continuing to grow. Our offices will remain open but we will be working from home as much as possible to limit the exposure of our team and their loved ones. Please contact us via email or phone should you have any queries during the next month. If you are experiencing... financial hardship because of the current global pandemic situation, please let us know and we will see what we can do to assist. The RBA has followed the March 3rd rate cut with an out of cycle rate cut. It remains to be seen which banks will pass this rate cut on to its customers but already the CBA has declined to do so. We, at Empire Financial Management Group, are here to help. Whether you are experiencing hardship or would simply like to review your rates in light of the RBA decisions this month, please do not hesitate to contact us.

15.01.2022 Looking to Refinance your Home or Investment loan?

14.01.2022 Market Update Aug 2017

13.01.2022 It looks like the housing boom is set to continue. After two years on the backburner, rising property prices are once again becoming the subject of debate around the suburban barbecue. Earlier this year Australias notoriously expensive housing market was in freefall. The outlook has changed remarkably quickly, at least in the two biggest cities. But all is not lost as a rise in prices in recent months would encourage more sellers to put their properties up for sale, solving ...one problem in the market: lack of supply. If you are looking at buying a property, we at Empire Financial Management Group look forward to assisting you. Contact us today to get started.

13.01.2022 First home buyers, accounting for almost 20% of mortgage lending, are continuing to lead the charge to buy residential property as more onerous lending conditions forced many potential investors out. More than 110,000 first-time home buyers entered the market last year. Although tighter lending standards, declining property prices and uncertainty related to the economy have deterred some, there are still positive signs for first home buyers wanting to get the keys to their ve...ry own property this year. The 18th edition of the QBE Australian Housing Outlook (authored by QBE and BIS Oxford Economics) has been released and details the latest property market forecasts and analysis expected between 2019 and 2022. House prices across all capital cities are expected to stabilise over the coming year, before strong population growth and a sharp downturn in new dwelling completions result in median prices increasing. The strongest forecast is for Brisbane, where a decade of modest price increases has left the market relatively affordable. The future looks a lot brighter for our capital cities and the worst appears to have passed for the Sydney property market and Melbournes residential landscape. Contact Empire Financial Management Group on [email protected] to get the full report.

09.01.2022 It is getting harder to get a loan! As the article below shows, banks are making it tougher to get finance but at Empire Financial Management Group, we have over 45 lenders and so if there is a loan that fits your needs, we can find it for you. In the last six months, there has been a notable deterioration in the financial comfort of homeowners with a mortgage, according to recent data. MEs latest Household Financial Comfort Report attributed the decline to the tightening i...n the availability of credit, continued affordability concerns and high housing debt. The majority of the 11 categories included in the index charted a decrease in comfort over the six months to June 2019. Despite lower mortgage loan rates, expected cuts in personal income tax and higher local and global equity prices, this is largely a consequence of continued decreases in the value of residential property in many parts of Australia, said consulting economist for ME, Jeff Oughton. Its evident that despite the latest monetary policy changes, there remains high levels of housing debt worry and actual payment stress among Australians. The cost of necessities was named by 44% of those surveyed as their most significant financial concern. Following with a 10-percentage point spread was the 34% of households that recorded anxiety over the level of cash savings on hand as their leading worry. Of the households with mortgages, 43% indicated they contribute around a third of their disposable income or more towards paying the loan. While more than 41% of households feel optimistic about their dwelling prices rising over the coming year, 11% are prepared for values to fall further. Investors are more optimistic than owner-occupiers, with 46% expecting the value of their investment to rise during the next 12 months, with only 9% anticipating a decrease. The highest levels of financial comfort were identified in NSW/ACT, closely followed by VIC. Conversely, overall comfort fell in QLD, TAS, and SA/NT, with the levels recorded by Brisbane, Perth and Adelaide residents plummeting to match the low levels reported in regional Australia.

05.01.2022 A common question we get at Empire Financial Management Group, when is a good time to buy. While housing prices have been dropping over the past few months, there are signs Australias worst housing downturn in modern history may be drawing to an end. So, if you are considering buying a property, contact Empire Financial Management Group to see what your servicing (affordability) looks like.... We, at Empire Financial Management Group, look forward to assisting your next property and continue to build your financial empire.

04.01.2022 New Spring Offer!!

03.01.2022 To learn more, call us now!!