Endeavor Finance in Bendigo, Victoria | Mortgage brokers

Endeavor Finance

Locality: Bendigo, Victoria

Phone: +61 3 5434 7690

Address: 61 Bull Street 3550 Bendigo, VIC, Australia

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

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25.01.2022 Whether you treat people or our furry friends, financial institutions are currently offering highly favourable deals on both residential and commercial debt arrangements. If you are; - wanting a better deal on your current home or business loans, - looking to purchase a business relating to the medical industry - in the market to buy a new property ... - or wanting to purchase medical equipment We strongly recommend you speak to your bank as soon as possible, or if you are time poor like so many of us contact us and we will do the legwork for you. If you would like to discuss your options please don’t hesitate to contact Adam or Llewe on 03 5434 7690. See more

25.01.2022 It's nice to see good news headlines, especially when it's about where we live! Regional Victoria has large numbers of towns and suburbs with rising buyer demand and the strongest price growth anywhere in Australia. For more info on the growth areas visit: www.propertyobserver.com.au//94832-regional-victorian-lead

24.01.2022 December’s cash rate has been announced by the Reserve Bank of Australia. As predicted it will remain at 1.5%.

23.01.2022 An interesting read for anyone with a mortgage. Now is the time to review your finances and consider cheaper rates. Read more at https://outline.com/kuqzhn or call us on 03 5434 7690 for a chat.

23.01.2022 As expected the interest rates remain on hold at 1.5%. The decision to leave rates on hold is a positive one for the property market. http://bit.ly/2fbEYut

20.01.2022 Low interest rates are making it difficult to keep up with the rate of inflation, however this means there is now an opportunity to take advantage of cheaper borrowings. Borrowing can be a good way to fast-track wealth creation, with a number of borrowing strategies available that can help your fund your investments and grow your personal wealth.

20.01.2022 Endeavor signage is up! Adam is pretty stoked with the new sign. Thanks Edwards Signs.

20.01.2022 The market has had its biggest back-to-back decline in five years with the number of owner occupied home loans falling a further 3% in August, after a 4.5% drop in July. http://bit.ly/2e8HGAb

20.01.2022 Official cash rate has been dropped again! Tune in to WIN News Bendigo tonight at 6pm to hear from our own Adam Tharle speaking about the cut and its potential impacts. www.mybusiness.com.au//5955-interest-rates-on-the-move-aga

19.01.2022 You’ve all been hearing that access to finance has become difficult and time consuming from some big banks, but lending is on the rise through finance brokers. Endeavor Finance has access to dozens of banking institutions to help you secure a loan. There hasn’t been a better time to get in touch. Call us on 03 5434 7690. http://endeavorbendigo.com.au/finance-brokers-make-differe/

19.01.2022 Kind words from a happy customer!

19.01.2022 *New Home Builder Program $25,000 Cash* Overview: - $25K on top of existing $20K First Home Owners Grant (Victoria) etc = $45K - $25K for major renovation projects that cost more than $150K ... - $25K for new builds, even if you’re not a first home buyer. The Morrison Government has announced support to the residential construction sector with the introduction of the new HomeBuilder program: HomeBuilder complements existing state and territory First Home Owner Grant programs, stamp duty concessions and other grant schemes, as well as the Commonwealth’s First Home Loan Deposit Scheme and First Home Super Saver Scheme. Source: https://ministers.treasury.gov.au//homebuilder-program-dri

17.01.2022 Turning to a finance broker for expert assistance in finding the right deal for your situation is now the most popular way to obtain finance. Up until 30 September 2016, 48% of all new residential loans were written by brokers. That figure has now increased to well over 50% with some sources indicating its closer to 55%!

17.01.2022 Thanks for the referral. Great to have the opportunity to help people achieve their dreams!

17.01.2022 Using a traditional broker provides a greater level of service and will allow you to have a more personalised relationship. http://bit.ly/tradbroker

17.01.2022 If you've sent or received money to or from your mates with funny captions, banks might delay your application. Bank statements are a legal document. You have to be semi-serious about it. As fun as it may be, it's not advisable to be creative in the transfer text. We won’t judge, but the banks might!

16.01.2022 ** Another great local #Bendigo business that continues to grow Holloway Air ** We'll have a bit more of a write up on the business in a future post, but for now, more staff = needing more work utes! Happy snap before this one heads to the sign writer :)

16.01.2022 From 1 January 2020 first home buyers will be able to purchase a home with a deposit of as little as 5%. Endeavor Finance can guide you through the whole home loan process, and work with your chosen participating lender to lodge an application on your behalf. If you would like to make the most of this scheme give us a call to get you ready. Call 03 5434 7690 or email [email protected] For details on the Scheme and eligibility requirements see our latest blog: www.endeavorbendigo.com.au/full-details-released-first-hom/

16.01.2022 Despite the headlines in the news, we are seeing quite the opposite and have never been busier! Most media coverage focuses on Sydney and Melbourne markets, however, we believe there are hundreds (if not thousands) of different property markets across Australia; each with their own localised influences and stages within the market. We continue to get loan approvals for our customers and not only that, refinancing has hit an all-time high. Interest rates are at record low p...rices so now is the time to look at refinancing your loan - last week we saved a customer $6,000 PER YEAR off their home loan! We also saved one of our larger commercial clients approx. $70,000 per year which is very substantial. How much can we save you? Give us a call and let us help you get to where you need to be. www.realestate.com.au//new-home-loans-plummet-in-most-dif/

16.01.2022 *** Dreaming of warmer weather *** This house settled today for one of our property investors who picked up a nice beach house in the tightly held market of Phillip Island. It’s got us thinking about the beach and warmer weather!! Great location, with the owners future intention to relocate there when they decide to retire.... Not only are we very active in the Bendigo property market; We help finance property Australia wide.

15.01.2022 The measure will initially only apply to businesses with tax debts of more than $10,000 and that are at least 90 days overdue. Our latest blog explains the full details.

15.01.2022 UPDATE: This week the Bill was passed through Parliament to enable eligible first home buyers to get into the market with just a 5% deposit. For first home buyers, trying to save 20% for a house deposit can feel impossible. This new scheme will make a real difference to those trying to get into the market. The scheme is limited to the first 10,000 applications, and you must earn under the threshold to be eligible. For more details visit the link.... Chat to us about getting prepared for a home loan and what you should start thinking about. Call 03 5434 7690.

15.01.2022 Are your work vehicles out of date? Or equipment repairs costing too much? Now is the time to buy! The Federal Budget announcements included an extension to the instant tax offset for another year. Businesses that turn over less than $10 million each year will be able to immediately write off expenditure up to $20,000. Along with this, stamp duty on new passenger vehicles is increasing from $6.40 per $200 of the market value to $8.40 per $200. We can work out the right finance deal for your business or upgrade to the latest equipment available. Why wait?

14.01.2022 Great opportunity to join our friends at Venture Financial Advisers

13.01.2022 From January 2020 some first home buyers will no longer be required to pay Lenders Mortgage Insurance (LMI) which is typically required if they have less than a 20% deposit for their home purchase. While particulars are not known yet, we do know that if certain criteria is met, first home buyers may be able to borrow with as little as a 5% deposit. This means you have the next seven months to start building on saving your deposit without worrying about LMI! For context, a hou...se purchase price of $400,000 with a deposit of 5% would normally result in LMI premium of up to $14,000 as an example. A big one off expense which you may now be able to avoid. Now is the time to start planning. Book an appointment with Adam or Llewe to discuss further and find out your borrowing power. Call 03 5434 7690.

13.01.2022 Rates are down! It's a great time to talk to us about this opportunity. After almost two years of no change, the Reserve Bank of Australia has cut the official cash rate to 1.25% after months of speculation. Let's plan your next move. Contact Adam or Llewe today on 03 5434 7690. https://lnkd.in/g-SGvhq

13.01.2022 Tighter lending to investors is expected to lead a softer property market. House prices in Melbourne are forecast to decline by 0.6% while units are expected to drop by 9%. Great news for first home buyers.

12.01.2022 Another cash rate reduction, watch this space for how the banks react over the next couple of weeks and how we can help you make the most of the situation. https://www.rba.gov.au/media-releases/2019/mr-19-27.html

12.01.2022 Some feedback from a client who just purchased her first home!

12.01.2022 We're excited to be co-hosting our first event with Venture Financial Advisers in conjunction with the Bendigo Small Business Festival! Come join us at The Rifle Brigade Hotel next week to chat all things finance. The roaming table set-up will allow you to chat to experts about areas that most apply to you. Enjoy a drink and nibbles on us. See you there! www.eventbrite.com.au/e/fact-or-fiction-finance-in-the-fron

11.01.2022 Good news for borrowers with the banking regulator dropping their imposed minimum assessment rate of 7% in favour of a more reasonable 2.5% above the loan's actual interest rate. Currently, banks assess customer's repayment capacity higher than prevailing rates of sub 4%, typically using 7.25% +. For many people this reduction will improve their borrowing power significantly. This new standard is a minimum only and ADI’s (Authorised Deposit-Taking Institutions, banks) can still set higher thresholds as they have previously, with announcements from them expected over the next few days.

11.01.2022 ** Going like hot cakes First Home Loan Deposit Scheme ** From today there is a fresh allocation of 10,000 spots up for grabs for this financial year. The scheme started in January 2020 with ALL spots quickly snagged up within six months. #quick Part of the eligibility involves providing a copy of your tax return assessment so if you intend to pursue the first home loan deposit scheme, you better get your tax organised first! ... Sing out with any questions. We also know some great accountants we’d be happy to recommend. For full details on the second round of places see the latest media release: https://cdn-au.mailsnd.com//gssEoWTh_mFlAfPgWM/2443038.pdf

10.01.2022 We love receiving positive feedback from our clients! "My wife and I recently went through the process with Adam to assess refinancing our loans. Adam’s experience and industry knowledge shined through and he made the whole process easy. He was able to secure lending terms that were significantly better than what we are currently paying. Thank you very much Adam."

10.01.2022 In a world where 'tap and go' is awfully convenient, people are becoming unaware of the amounts they are spending on the little things. The banks look at every small transactions that go towards your entertainment, coffees, lunches, uber eats etc., because they want to see that after all your spending, you’ve still got surplus left over to be able to pay any mortgage. See how your spending habits can impact your capacity to access finance. ... www.nestegg.com.au//12637-what-lenders-look-for-in-your-ev

10.01.2022 Sydney and Melbourne markets continue to make headlines, but it’s not all doom and gloom for regional areas. Perhaps a case of win big, lose big?? CoreLogic say the two cities combined account for about 55% of the nation's total housing value and are driving the national falls. Follow the link for a great interactive account on annual data, median prices, rental yield and more: http://datawrapper.dwcdn.net/ZFrMd/2/

07.01.2022 UPDATE: Our phone lines are now working again. We thank you for your patience. We are currently experiencing issues with our phones and cannot receive calls. For the time being please contact us via mobile on 0435 532 709. We appreciate your patience while the carrier rectifies this issue.

06.01.2022 It's Bendigo Small Business Festival time! Learn the secrets to financial success by having a pressure-free chat with our financial planners, mortgage brokers and self managed super fund (SMSF) advisers. Presented at The Rifle Brigade Hotel, make your way around any of our four advice hub areas to chat about taking control of your future with wealth building, self managed super funds, commercial finance, business insurances and estate planning. Come away feeling confident about your personal wealth plan. Book now: bit.ly/financeatthefrontbar

06.01.2022 After much debate the government has announced they will conduct a Royal Commission in the financial services sector (includes banks, wealth managers, superannuation providers and insurance companies). The four major banks who have resisted this made the unusual move in writing a joint open letter to the government recommending it to end uncertainly in the sector. The Commission will have a budget of $75 million and 12 months to investigate the extent accusations of misconduct and mismanagement of customers' money, whether existing laws regulating the banks are adequate.

06.01.2022 This week the Andrews Government handed down its fifth State Budget. One of the highlights was the announcement of a land transfer duty concession for commercial and industrial property transactions in regional Victoria. We hope that this announcement will encourage more investment in Bendigo and regional Victoria. A 10% concession will be provided for contracts signed from 1 July 2019, increasing by 10 percentage points each year to provide a full 50% discount from 1 July 2...023. If you are currently exploring the opportunity to invest in a commercial or industrial property and would like to discuss your financing options please contact Adam and Llewe at 03 5434 7690.

05.01.2022 *Attention First Home Buyers!* The $20,000 First Home Owner Grant for regional Victoria has been extended to 30 June 2021. First home owners can also take advantage of the new HomeBuilder scheme, a $25,000 grant to eligible owner-occupiers (including first home buyers) to build a new home or substantially renovate an existing home.... If you have any questions or would like assistance in exploring your eligiblity for this Government support, please call us on 03 5434 7690 or email [email protected]

05.01.2022 ** We love it when a client's project comes together ** Some recent happy snaps we took of First Aid Distributions & Choice Medical Supplies upcoming premises which is on the home stretch. Great local business success story snap shot: ... - Started selling supplies out of an old van, no shop front - Steady growth year on year - Outgrew rented premises + multiple storage sites for stock - Remains a Bendigo business selling products Australia wide - Directly employing several locals and continuing to grow Check them out and see how they can help you, your business, school or club. https://www.firstaiddistributions.com.au/

05.01.2022 Our latest blog looks at the slowing house prices around the country.

05.01.2022 The Reserve Bank announced its cash rate decision for December. As widely anticipated, the RBA has left the rate on hold at 1.5 per cent. www.mybusiness.com.au//5243-rba-announces-december-2018-ca

05.01.2022 The government has released the first figures on its first home deposit loan scheme. It has predominantly been single purchasers with an average income of $67,000. Half of the applicants have been outside Australia's capital cities. If you've been wanting to get into the market now is a great time. A 5% deposit on a $300,000 house is only $15,000. Let us help you achieve the Australian dream. Book in for a chat via email [email protected] or call 03 5435 7690. https://www.abc.net.au//latest-data-on-the-uptake/11970460

03.01.2022 Some good news for first home buyers in last night's budget! They'll be able to use voluntary contributions to their superannuation to save for a house deposit. If you'd like to take advantage of the scheme come have a chat to Adam and Sue.

03.01.2022 ** Client success story ** A happy client last week, Eloise, who settled on her first home. We assisted her with securing finance and navigating through the different grants available for first home buyers including saving $15,000 on stamp duty for the purchase of her established home. Congratulations Eloise!

03.01.2022 Whilst purchasing a home has been heralded as the go-to financial property decision for generations of Australians, rising housing prices have forced many would-be first home buyers to weigh up and consider alternatives. The increasingly popular decisions to rent or purchase an investment property has seen first home ownership drop to it's lowest rate for over a decade: http://endeavorbendigo.com.au/property-rent-buy-or-invest/

02.01.2022 You may think it's a ramification free option, but it will cost you more in the long run. If you have a question about pausing your repayments contact Adam and Llewe at [email protected] https://www.watoday.com.au//mortgage-repayment-holidays-an

02.01.2022 The Victorian Government is extending the $20,000 First Home Owner Grant for people buying or building a new home in regional Victoria for an extra 12 months. This is a great opportunity for first home buyers wanting to enter the property market. If you would like to start planning your way into the property market please give us a call on 03 5434 7690 or email [email protected] www.premier.vic.gov.au/supporting-first-home-buyers-in-reg/

01.01.2022 The 2021 financial year is coming in strong! Our first customer from earlier this month picked up their new workhorse, a BT50. The vehicle was a private sale and interstate but that didn’t slow the process down (before the border lockdown ) and we helped them secure finance. We can also assist with finance for a broad range of business equipment. For any help with a vehicle loan give us a call or email. 03 5434 7690 | [email protected]

01.01.2022 ** Progress shot ** We love it when it all comes together for our clients! We have been able to help Laura and Jake take advantage of the $25,000 New Home Builder Grant who have recently begun construction of their new home.

01.01.2022 If you are planning on a new loan or to refinance, consider avoiding ‘buy now, pay later’ services, with a number of banks putting these borrowers in the 'high risk' category. Read about it here: www.businessinsider.com.au/afterpay-zip-responsible-lending