Eugenie in Box Hill, Victoria | Credit counselling service

Eugenie

Locality: Box Hill, Victoria

Phone: +61 415 448 401

Address: Suite 2, 990 Whitehorse Road 3128 Box Hill, VIC, Australia

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

Likes: 63

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• Property
• Loan service
• Mortgage brokers
• Credit counselling service

24.01.2022 Compromise is essential, but it doesnt have to mean settling for a house you dont want.

24.01.2022 How financially literate are you? Complete this quiz to find out. https://goo.gl/g3cjVK

22.01.2022 At its meeting yesterday, the Board decided to leave the cash rate unchanged at 1.50 per cent. Find out all the details here: https://goo.gl/L5ckmH

20.01.2022 Another GOOD Monday ! its a good time to get some fresh, timely, expert perspective. Talk to Us at 0415 448 401 for a no-obligation chat.

20.01.2022 Daily quotes @motivation_mondays

20.01.2022 As with all professions, there is always something new to learn in the mortgage broking industry. Attending these trainings ensures that we continue to develop our skills and knowledge further to take better care of all YOUR MORTGAGE NEEDS. Its these little things that add up to make a big difference.

19.01.2022 Top Six Reasons why your home loan might be declined You’re ready to buy a home, but you can’t find a lender who will approve your home loan. While this might seem discouraging and frustrating, it is not necessarily the end of your dream to become a home owner. Once you know the reason that you are considered a bad risk, you can improve your eligibility. Usually, it just takes a little more time and to improve your eligibility. Here are the top six reasons lenders might decl...Continue reading

19.01.2022 Home loan rates have been fluctuating recently, so now could be a good time to compare some of the lowest on the market. #dyhomeloans

18.01.2022 Today is RU OK DAY? I believe we have a hugely important & special role in helping people & its very rewarding. Also - We have at times a hugely stressful job.... Apart from selling our wares & analysing numbers ... We have to effectively manage emotions of our clients through BIG events & often under tight timeframes. - when they buy their first home, investments, divorce settlements, deaths .... Sometimes I get sleepless nights & sometimes its hard to take a holiday ... that said, Im doing what I love. I hope youre all doing well - and remember its OK to not be OK - Pick up the phone & call an old buddy/colleague/ friend or even a new one ... it could be the most important call youve ever made. Instead of how are you, actually ask are you ok?.. they may not want to share right now, but, one day, they may share it with you. And remember - its even better if you do that more than once a year. #ruok

17.01.2022 Be encouraging. Encouragement is an expression and assurance of ones hope and future in words, presence, and sincerity. Be understanding. Wisdom and understanding go hand in hand. Understanding starts by being an active listener (not planning a reply as one is speaking), asking intelligent questions to gain further insights, and being accepting of what the person is sharing. Then answer without condemning. Or dont answer at all and decide to just be a listening ear. Share ...knowledge. Found an article or book thats useful? Share it with your friends. Sharing has been made easier thanks to the accessibility of sharing tools on the web, along with help from social media sites such as Twitter and Facebook. Sharing knowledge helps us learn, discover, and understand things that are interesting. They have immediate application for better results in our work and life, edifies our soul, and improves our daily conversations. Stay humble. Humility and maturity are synonymous. A dignified person accomplishes much, but brags little. They are secure in their standing without the need to make noise, often treating everyone with tremendous respect, regardless of position. Be positive! Positive thinking goes beyond having the drive and motivation for personal success. Positive thinking is explicit, definite, and outspoken. Its contagious. Build others up with your positiveness, allowing them to be open for better things to come. See more

16.01.2022 One of Australias 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 youre in the market for a new home, investment or havent 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

15.01.2022 Like Einstein said:"You have to learn the rules of the policy maker and then your knowledge have a chance to play better than anyone else".

14.01.2022 Nearly there, we are halfway through 100 followers ! Thanks you for being following our Instagram account! #50followers #dyhomeloans

14.01.2022 Buying property with other people: Mine, yours or ours?

11.01.2022 Dont walk the home-loan path alone! Lets do it .......TOGETHER, step by step! #dyhomeloans #mortgagebrokermelbourne

11.01.2022 Start where you are with what you have #mortgagegoals #mortgagebroker

10.01.2022 Monday to do .

10.01.2022 We would like to wish everyone of you and your family a fun filled Christmas and a happy prosperous New Year. Best wishes, Eugenie Kim Chua - DY Home Loans

09.01.2022 Investors are out and first home buyers are in thats the consensus of a recent story from CoreLogic that analysed the Australian mortgage market up to the end of the last financial year. While lending slowed overall in 2018, first home buyers grew to a sizable 18.1% of the market, the highest level since late 2012 while investor lending came off the boil. You can read the full article from CoreLogic here.

09.01.2022 Happiness is new rich.

06.01.2022 WHAT is genuine saving ??? Its very complicated to differentiate the genuine savings as each lender has their own guidelines. However, these are considered to be genuine savings in general, if they add up to be more than the purchase price. Savings held or accumulated over 3 months. Term deposits held for 3 months.... Shares or managed funds held for 3 months. Equity in real estate (varies depending on the lender). If youve been renting for the last 3 months then some exceptions may apply. Even salary sacrificing under the First Home Super Saver Scheme can be acceptable. Please note that gifts, inheritance, tax refund, bonuses, personal loan, any other lump sum deposits are not considered as genuine savings. Pm or call us today to discuss See more

05.01.2022 How much do credit cards affect your borrowing capacity? When looking at your borrowing capacity, its the limit on your credit card (as opposed to how much you are currently owing) that is taken into account- so even that credit card you havent used for a few years can affect how much you can borrow. A $10,000 limit on your credit card is often calculated as a 3% monthly commitment, therefore bringing down your monthly surplus (being your income less expenses) by $300. This... in turn could bring your borrowing capacity down by approximately $40,000 - $45,000. Reducing credit card limits or canceling credit cards you dont need can improve your borrowing capacity when making a home loan application. Call us today!

05.01.2022 What you need to know before buying a franchise?

05.01.2022 Because we all need a reminder from time to time...

03.01.2022 The MFAA has launched the Dont Kill Competition campaign, an integrated national campaign of public relations, government advocacy, mass media and digital advertising, and grassroots customer activation. Now, we are calling on you to get involved to help save our industry. Now is the time to make your voice heard. The success of the campaign will depend on your support. #dontkillcompetition #yourbrokerbehindyou #brokersbehindyou #mortgagebrokers # GET INVOLVED NOW: https://brokerbehindyou.com.au

03.01.2022 Youll need to decide whether a mortgage is a worthwhile debt, given that your household income and expenses will change when your baby comes along---Read This

03.01.2022 Sunset Clauses and proposed changes to how developers can (or cant) exploit them. Long overdue change as I have had quite a few clients be caught out by the developer deciding to pull out and sell the properties at higher prices.

03.01.2022 Which is the right home loan for you? There are a bewildering variety of home loans available, and it can be confusing to figure out which type of home loan is the best for your circumstances. However, when you know the pros and cons of each type of loan, you can make a decision that will fit best with your financial situation. ***Fixed rate home loan...Continue reading

02.01.2022 Ho hum, boring. But this month boring is good news! No movement at the RBA station this month. Cash rate still sitting at 1.5%. #yourbrokerbehindyouupdate #mortgagebroker

01.01.2022 In the last 24 hours I have had the pleasure of telling 2 different couples that their mortgage has been approved and they should be in their new homes well before Christmas. Make sure you have a mortgage that is custom-built for your personal situation with the right combination of rate and features. Whether youre buying your first home, refinancing a mortgage, taking out some equity for debt consolidation, renovations, or investing its a good time to get some fresh, ...timely, expert perspective. Talk to Us at 0415 448 401 for a no-obligation chat.