Enlighten Financial Solutions | Mortgage brokers

Enlighten Financial Solutions

Phone: +61 417 369 689

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• Loan service
• Mortgage brokers
• Brokerage firm

25.01.2022 We are always trying to be solution focused! Even when we run into challenges, there is more often than not a way to achieve the outcome we need for our clients

19.01.2022 Before you apply for finance it’s important to consider what your credit rating is. Is it something you need to look into? Do you have any concerns? You can order a free report or we can help you organise one. . There are some simple ways to ensure that your credit rating stays relatively clean: . Pay all your bills, loans and credit cards on time.... . Work towards paying off and closing credit cards and facilities like After Pay & Zip Pay . If you do have credit facilities, keep the limit as low as possible and always pay off more than the minimum monthly repayment . Avoid applying for new credit facilities and finance, especially for unsecured debt See more

18.01.2022 From the bottoms of our hearts we hope everyone has a wonderful Christmas and New Year. I know we plan on it! . What a year it’s been! I think we all deserve a break and some time to enjoy the company of those we love . We appreciate and love all our clients and are so excited about all of the wonderful outcomes we had the privilege to experience with each and every person. We’re really looking forward to the new year and what It promises to bring!... . Lot’s of love, Kylie and Sam See more

16.01.2022 Before you place an offer on a property or bid at auction, please make sure you have a pre-approval in place. . I’ve taken many calls from people who have signed a contract of sale then have 2 weeks to meet their finance clause date. With no pre-approval or structure in place to obtain any finance, this date can be hard to meet in a short time frame. Possible, depending on the lender, but tight. It’s best to be organized before hand so you aren’t left with a short list of len...ders who can meet your time frame. . Many changes have occurred in the finance world recently, not just with competitive interest rates and cash back offers, but with assessment times, application processes but most importantly, policy changes. We’re on top of all of these! . Some banks (NOT ALL) are experiencing longer time frames to meet their assessment milestones, as they have had to change their internal processes. This is even more of a reason to make sure you’re organised, which we can help you with. . Be prepared and make sure you’ve ticked all your boxes before you even contemplate putting an offer on a property. We make the application process easy for our clients. We want you to enjoy your house buying journey! . Give us a call if you’d like to learn more about how we can help you meet your finance clause date, then settlement date seamlessly. See more

15.01.2022 Congratulations Callum! Your new property is beautiful! . We had a great time helping this First Home Buyer secure his first property. He has learnt so much about the home loan buying process and was so cool calm and collected the entire time. So proud of you Callum! . It really helped that we were working with a bank who was working 7 days a week to ensure an amazing outcome for our client.... . Application to formally approval in one week. We couldn’t have hoped for better! See more

15.01.2022 @jennahoogeveen_ you are one of a kind . Helping you buy a house was one of the highlights of my year! . I could not have achieved my purchase of my first home without the help and support from Kylie at Enlighten Financial Solutions. . She went above and beyond for me since day dot and made my dream happen so much quicker than I had ever imagined! Kylie is by far the best mortgage broker, especially for a first home buyer like me who had endless amounts of questions!! ... . Could not recommend her more highly, on top of the amazing work she does, she's a beautiful human and such a pleasure to go on this journey with!!! Do yourself a favour and take the stress out of it with Kylie!!! See more

04.01.2022 It’s important to focus on yourself and your needs, your goals and your dreams. . We can all fall into the trap of analysing what others are appearing to be achieving, comparing ourselves to them, then beating ourselves up for not being the same! This can be applied to every area of our lives really. . I speak to so many people, especially first home buyers, who are disalusioned with the house buying process, especially when they compare themselves to their friends and fam...ily and what they are achieving. . Remember, everyones circumstances are different and we never know the whole story. But their story is just that, theirs. It doesn’t need to be or should be yours. . There’s that old saying my mother used to say to me all the time: Where there’s a will there’s a way I think much of my work ethic (and Sam’s) comes from this philosophy. We’ve helped all sorts of people, with glaringly different circumstances, buy homes. . Sometimes it does take time and perserverance, planning and sticking to a budget, but it’s always worth it in the end See more

03.01.2022 Confidence in the broker channel continues to grow! According to APRA, Mortgage Broker originated loans have risen by 28% . An interesting article in The Advisor: More than $69 billion of new residential loans at the banks were originated by the third-party channel (broker or another party) in the December 2020 quarter, new APRA stats show. .... The Australian Prudential Regulation Authority (APRA) has releasedits quarterly authorised deposit-taking institution (ADI) statistics for the quarter ending December 2020. . Interestingly, the stats show that the value of third-party originated loans (loanswhere the ADI’s primary contact with the borrower at origination is through a mortgage broker or another party) rose markedly in the quarter. . The third-party channel wrote $69.5 billion of new bank loans in the three months ending 2020, up 28 per cent on the priorcomparative period (when the channel wrote $54.3 billion). . Indeed, the channel wrote the largest volume of new bank loans in the December 2020 quarter than in any period previously recorded. This surpasses the previous record, $62.8 billion, which was set in the previous three months (ending September 2020). . The banking statistics echo those released by theMortgage& Finance Association of Australia (MFAA) earlier this month, which show that mortgage brokers recorded their highest ever market share for the December 2020 quarter, settling 59.4 per cent of all residential home loansbetween Octoberand December 2020. . In the final quarter of 2020, the third-party channel accounted for 67.5 per cent of all new loans funded by the domestic non-majors (excluding customer-owned banks and building societies), originating $16.9 billion of the $25 billion new loans funded that quarter. This reflects a similar proportion originated in the previous quarter (ending September 2020). . Remember, a Mortgage Broker gives you a wide range of options and choice and we aren’t restricted to offer you only one lenders options. We tailor our recommendations to your individual needs! See more

01.01.2022 I thought I'd never be able to take out a home loan on my own! . Kylie assured me that it was possible. She made the process so easy and guided me through each and every step. She made the whole process painless! . I wholeheartedly recommend Kylie!... . She not only makes it easy she will find you the best money saving option and get you the best deal! Angela See more