Ensure Finance in West Perth, Western Australia | Financial consultant

Ensure Finance

Locality: West Perth, Western Australia

Phone: +61 490 865 531

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25.01.2022 With interest rates at record low levels, today well look at a question that many are asking: should I lock in a fixed rate home loan? You may have recently received a call directly from your bank, or seen more ads than usual across the internet spruiking super low fixed-rate mortgages. Heres why: lenders are scrambling over one another to lock-in customers right now.

25.01.2022 Consumer sentiment is surging, confidence in the housing market is booming, and the number of experts tipping a Melbourne Cup Day cash rate cut is increasing. Let’s look at why households and businesses are becoming increasingly optimistic. Ahh, spring. It’s fair to say we love it around here.

24.01.2022 First home buyers are now breaking into the property market more than four years faster than they typically would thanks to a little-known government scheme. Today well discuss how. Ever heard of the First Home Loan Deposit Scheme? If not, dont stress, it only launched this year and the first six months of data has only just been published.

24.01.2022 Small businesses all around the world are facing uncertain times. However, rather than shutting up shop until COVID-19 passes, the federal government is hoping to stimulate SME spending through a raft of initiatives and tax incentives. Indeed, the government estimates its two new business investment initiatives have the capacity to support more than 99% of businesses across Australia (3.

24.01.2022 Loyalty is an admiral trait when it comes to our friends, family and loved ones. But if youre extending that virtue to the banks, then theres a good chance its costing you thousands of dollars. Thats the takeout from the ACCCs latest Home Loan Price Inquiry interim report.

23.01.2022 Youve probably heard the federal government is giving $25,000 grants to eligible Australians looking to build or substantially renovate their homes. Today well look at what that means for first home buyers when combined with state and territory schemes.

21.01.2022 This is one article we hope you never have to read. But if COVID-19 has impacted your income to the point where you may need to pause your mortgage repayments, then weve broken down the banks deferral policies for you.

19.01.2022 Heres a bit of welcome news for mortgage holders: Australias record-low cash rate is likely to remain in place until 2023, according to leading economic and property experts. In March, the Reserve Bank of Australia (RBA) called an emergency meeting, cutting the cash rate for a second time that month and taking it to a record-low of 0.25%.

19.01.2022 Thousands of families across the country who had been thinking about a new build, or tackling an overdue renovation project, have rolled up their sleeves and committed to it, according to latest ABS data. And to be honest, we’re not overly surprised. The federal government’s $25,000 HomeBuilder grant is nothing to sneeze at.

18.01.2022 The First Home Loan Deposit Scheme is back; bigger, better and more buyer-friendly than before. If you’re a first home buyer who missed out on the first two rounds, then here’s how to make it a case of third time’s a charm! It’s federal budget week, and this year’s big winners in the world of property and finance are first home buyers, with the federal government announcing a fresh extension

18.01.2022 If you didn’t back a winner on Melbourne Cup Day then fret not: the Reserve Bank of Australia (RBA) has delivered mortgage holders a win by cutting the official cash rate by 15 basis points to a new record low of 0.10%. RBA Governor Philip Lowe says the cash rate cut is part of a package of measures to support job creation and economic recovery from the COVID-19 pandemic.

18.01.2022 While we cant babysit your child so they stop shouting out and interrupting that important call youre trying to make in your new home office, we might be able to reduce the number of important calls you need to make instead.

17.01.2022 Youve probably heard something along the lines of you need a 20% deposit to buy a home, right? Well, not necessarily. Today well look at two options available to eligible first home buyers, including a $1 lenders mortgage insurance offer thats just been launched. Now, to be fair, that 20% deposit figure quoted by your uncle Barry wasnt plucked out of thin air.

15.01.2022 The 10,000 guarantees available via the new First Home Loan Deposit Scheme have been filled or reserved, but for those who missed out theres a second chance coming soon in July. There have been 5,500 guarantees issued under the federal government scheme, while another 4500 borrowers have guarantees reserved in the coming months.

15.01.2022 Your Essential Property Research Checklist

13.01.2022 If your small business is being affected by the coronavirus your loan repayments will be deferred for six months, says the Australian Banking Association (ABA). ABA CEO Anna Bligh today announced a small business relief package from Australias banks. Small businesses can rest assured that if they need help, they will get it, Ms Bligh said.

13.01.2022 Mortgage holders and business operators are being encouraged by the RBA to switch lenders if their bank doesn’t pass on the latest cash rate cut. The Reserve Bank of Australia (RBA) delivered mortgage holders and business operators a Melbourne Cup Day win by cutting the official cash rate by 15 basis points to a new record low of 0.10%.

13.01.2022 The dreaded and controversial stamp duty tax could soon be a thing of the past, with calls for it to be abolished gaining momentum. The Property Council of Australia is the latest body to add their voice to the chorus this month after both the NSW and Victorian state governments ramped up calls for stamp duty reform.

13.01.2022 SME owners concerned about the coronavirus outbreak impacting their cash flow are being urged to talk to their creditors as soon as possible. Earlier this month the RBA cut the official cash rate by 25 basis points to a new record low of 0.50% due to the impact of the coronavirus outbreak on global financial markets.

12.01.2022 Its been two months since HomeBuilder was first announced, and Im sure many of us spent a bit of that time dreaming about an extra $25,000 to spend on a reno or new home. The good news is grant applications are now officially open.

12.01.2022 You might have heard that the federal government will give eligible Australians $25,000 to build or substantially renovate homes as part of the new HomeBuilder scheme. Today well look at who exactly can qualify for the initiative.

11.01.2022 First Home Loan Deposit Scheme Participating Lenders. With a 5% deposit, these banks will be waiving lenders mortgage insurance for the first 10,000 applications. Will 10,000 applications be sufficient nationally? How quickly will this fill up? This offer is only available to Australian Citizens, however it's great to see NAB offering a 33% discount on Lenders mortgage insurance for applicants that may miss out or do not qualify.... Terms and conditions apply. #mortgagelending #homeloan #financeandeconomy

10.01.2022 LUCKY DRAW WINNER ANNOUNCEMENT Congratulations to Pragna Bhatt, the winner of our delightful gift hamper Thank you to everyone who participated and helped make this fun competition a success!

10.01.2022 Most of us have at one time dreamed of discovering a hidden little gem and renovating it into the most enviable house on the street. With the $25,000 HomeBuilder grant, those dreams are closer to becoming a reality for many. But where to look? Well, recent realestate.com.au data might have revealed the answer.

09.01.2022 The crucial final touches on the federal governments $25,000 HomeBuilder scheme have been revealed. Will your build be eligible? When the federal government announced its $25,000 HomeBuilder scheme in early June the immediate reaction from many was you little beauty, quickly followed by, wait...

08.01.2022 Were all looking forward to things eventually getting back to normal, or at least the new normal. And while its not clear exactly what the new normal will look like in the property world, there are some promising early signs. For

08.01.2022 Could it be a Happy New Year for the WA property market? Looking for more information on suburb performance and the level of discounting in certain areas? Feel free to send us a facebook message with the name of a suburb and we would be happy to provide you with further information. #EnsureFinance #homeloans #perthpropertymarket

07.01.2022 First home buyers wanting to crack into the property market can now use an interactive map to see how much their neighbours spent on average for their first home. Snoopy snoop! Everyone loves having a bit of a sticky-beak. After all, we’re only human.

07.01.2022 Will stamp duty cut boost WA's property market? #financeandeconomy #housing #mortgagelending #homeloan

06.01.2022 Every now and then a bank does something that bucks the trend and takes customers by surprise. Today well look at two cases that recently made national headlines and how you can reduce your chances of getting caught out. While the below two examples may not relate to your home loan specifically, they do serve as important lessons nonetheless.

05.01.2022 Here's some promising news for big and small businesses alike: six-month loan deferrals are now available to larger businesses on the condition that they dont terminate leases or evict tenants for falling behind on their rent due to COVID-19.

05.01.2022 Top performing suburbs in Perth for median house price growth for the most recent quarter: Mindarie, Karrinyup, Huntingdale, Waikiki & Floreat. Most significant improvement in house sales: Floreat, Wellard, Success, Atwell & Craigie. Are you looking at buying a property and interested in understanding suburb performance? Feel free to send me an email to get your free property suburb report.... [email protected] #financeandeconomy #creditandlending #mortgage #realestate

04.01.2022 Youve heard the saying safe as houses, right? Well, it seems that old adage may ring true even in the current pandemic, with many of the nations top economic experts saying thats where theyd put their money right now. A Finder survey asked 28 leading experts and economists to weigh in on future cash rate moves and other issues related to the state of the Australian economy.

04.01.2022 Its fair to say its an unusual time to be a first home buyer. But there are still opportunities out there for those whose jobs havent been affected by COVID-19. Here are five key talking points weve been regularly discussing with first home buyers in the current market. 1.

04.01.2022 Homeowners in record-high numbers are taking advantage of reduced interest rates and competitive refinancing offers. Are you ready to take the leap? When times are tough, the belt gets tightened.

03.01.2022 The Reserve Bank of Australia (RBA) has cut the cash rate to a record low of 0.25% following an emergency meeting due to the impact the coronavirus is having on the economy. RBA Governor Philip Lowe said in a statement the move was due to the virus causing major disruptions to economic activity across the world.

02.01.2022 On your marks, get set, go! The race is on for limited spots in the federal government's First Home Loan Deposit Scheme, which kicked off again on July 1. The scheme allows eligible first home buyers with only a 5% deposit to purchase a property without paying for lenders mortgage insurance (LMI) which can save you up to $10,000.

02.01.2022 Whether youre looking for extra cash to purchase a property, or could do with a few thousand dollars to pay off your existing mortgage, the average Aussie household could make nearly $6,000 from selling their pre-loved items. Turns out were a bunch of hoarders thatd make the Kerrigans blush, according to the 2020 Gumtree Second Hand Economy Report.

02.01.2022 Found yourself with extra time on your hands? Slightly worried about meeting your home loan repayments? Want to make use of those back-to-back rate cuts? While the world has changed significantly over the past month, its possible to use some changes to your advantage. Before we go any further though, we want to say we understand theres no shortage of Aussie families doing it tough right now.

01.01.2022 Open Banking is now officially upon us. But what does that mean and why should you care? Well, in a nutshell, itll be easier and quicker for you to get a better deal on banking products going forward. With all thats going on in the world right now, its been interesting to see one of the nations biggest banking overhauls in recent memory slip a little under the radar.

01.01.2022 HIA WA has confirmed that they will align the construction date for the Federal & State grant. This means that you will now have 6 months from signing the building contract to start construction. Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice