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Everton Mortgage Brokers

Phone: +61 418 744 745

Address: 26 Wendouree Crescent 4074 Westlake, QLD, Australia

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25.01.2022 Mortgage Brokers Why We’re More Popular Than Ever Whether you are buying your first home, your next home, refinancing, investing, purchasing assets or commercial property, entering the property market is exciting. However, it can also be daunting, with so many elements at play and your life savings on the line. Now more than ever, borrowers are relying on the professional expertise of mortgage and finance brokers to help them navigate through the home loan application and ...Continue reading

25.01.2022 At its September meeting, the Reserve Bank of Australia chose to keep the official cash rate on hold at 1.5 per cent. How will this affect you this Spring? Despite the RBA keeping the cash rate unchanged, lenders continued to cut rates on principal and interest loans for owner occupiers during August. Home loan rates are still very low and that means Spring could be the time for a fresh start in a new home! Property investors are facing interest rate uncertainty as many lende...rs make adjustments to ensure they are meeting APRAs lending guidelines. However, there are some lenders who have cut interest rates for new investors seeking principal and interest loans in recent weeks, so talk to us if youre looking to invest in property. Spring could also be the time for a home loan health check, so call us now to get it organised! Were here to compare the market and find you the most suitable loan for your needs. Please get in touch today, wed love to hear from you.

24.01.2022 What you need to know about moving out of home People tend to live at home with Mum and Dad for much longer these days. But getting out of home into your own place can be a bit of a challenge both for yourself and your budget. Heres a few things you need to know before you can make your big move! Step 1. Make a realistic budget...Continue reading

24.01.2022 Good News For Queenslanders The closing date for the $20,000 Queensland First Home Owners' Grant has been extended to 30 June 2018. If your contract to purchase or build is signed between 1 July 2016 and 30 June 2018, you may be eligible to apply for the $20,000 grant. If you would like any more information please feel free to call us on 0418744745.

23.01.2022 Mention property investment and most people think of a conventional house or apartment. However, there are other types of property investment opportunities which may appeal to those with a little more imagination! In this article, we share some out-of-the-box ideas you may not have considered. Remember, your mortgage broker can assist with finance for all different types of property investments, including those with a twist. Car parking spaces In capital cities such as Sydney...Continue reading

22.01.2022 INTEREST RATE HOLD Summer has arrived and at its final meeting for 2016 today, the Reserve Bank of Australia (RBA) has elected to keep the official cash rate on hold yet again. Whilst some forecasters were predicting a cash rate cut today, as an early Christmas present, most were expecting the official cash rate to remain on hold as the RBA waits for new economic data and global financial developments before making its next move.... The next RBA will not meet again until February 2017. It may be a bit too early to predict their next move, and forecasters are divided. Some anticipate rates to stay on hold for most of 2017, whilst others predict that low inflation, soft wages growth and sluggish employment data will prompt another RBA cash rate cut as early as the next RBA meeting in February. Meanwhile, lenders have been adjusting their interest rates outside of the RBA's rate movements. Quite a few have recently increased rates on fixed rate products, particularly for 3 or 5 year terms. It also seems that the variation in home loan rates is widening between different lenders. This makes it more important than ever to consult us regularly about your home loan interest rate. We can help you with a proper comparison between loan products if you're looking for a new loan for any purpose. Please call 0418 744745 if you require further information.

21.01.2022 Property Investment Jargon Explained Are you new to the world of property investing? Does the jargon leave you feeling confused? Well, fear not, investor-to-be! Weve put together a comprehensive list explaining the most difficult terminology. By the end of this article, youll sound just like a seasoned property investor when conversing with your friends at the dinner table, and maybe even feel inspired to buy an investment property of your own! Negative gearing Put simply,...Continue reading

21.01.2022 RBA Rates On Hold With our busy autumn property market in full swing, The Reserve Bank of Australia met today for its April meeting and decided to keep the official cash rate on hold at 2.0 per cent. Some forecasters were predicting that the RBA would cut rates today, in light of the rising Aussie dollar. However rates have remained on hold for the last ten RBA meetings and whilst their comments would indicate a further cut may be on the cards this year, the RBA looks likely... to keep the cash rate on hold in the short term. Interest rates remain very competitive, particularly for owner occupiers and those looking to refinance. We are also able to access some very competitive rates if you want to invest in property to build wealth for your future. If you're planning to purchase this autumn, then don't hesitate to call us on 0418 744745 to discuss your plans. We'll help you to get your financing in place so you're in a great position to make your purchase

20.01.2022 Welcome to our March Newsletter The property market is in full swing in most states around the country. Auction activity reached record levels during February in our eastern states, but elsewhere market conditions varied. We are now seeing a two-speed property market across the country, which could create some great opportunities for savvy buyers and property investors over the coming months. Interest Rate News... The Reserve Bank of Australia (RBA) met for its March meeting last week and elected to keep the official cash rate on hold at 1.5 per cent yet again. Even though the RBA didnt change the interest rate this month, there are several reasons why you should check in with us: Lenders are continuing to adjust rates outside of RBA movements. It will pay to see us for a home loan health check now, particularly if youve had your home loan for a while. Property investors are facing tougher criteria from some lenders, particularly on interest-only products and refinances due to controls imposed by APRA last year. Make sure you consult us about your finance if you plan to invest. With the property market on the move, it is important to get pre-approval on your home loan before you hit the auctions. Property Market News Were seeing people rushing out in droves in Melbourne and Sydney to place their bids. For the week ending Sunday March 5, Victoria had a huge 1,542 auctions with a clearance rate of 78%, and NSW 1,133 auctions with a clearance rate of 75%. Conditions were also good in the ACT which had a clearance rate of 71%. Other areas were not looking quite so robust, with clearance rates in Queensland, Western Australia and South Australia all sitting below 65% for the same weekend. The interesting two-speed property market has also been evidenced in this months home value figures. Sydney home values jumped 2.58% in February, showing a huge 18.41% increase year on year and in Melbourne, home values rose 1.46% in February and showed an increase of 13.11% year on year. Other areas showed more conservative rises and in some cases, falls. Adelaide showed a slight home value increase of .63% last month and was up 3.5% year on year, Hobart showed an increase of .98% last month and an increase of 5.83% year on year and Brisbane/Gold Coast showed a marginal decrease for the month of .05% and growth of 3.47% year on year. By contrast, both Perth and Darwin home values fell in February. Low interest rates are looking set to continue and with an abundance of housing stock in most markets, were anticipating an exciting and dynamic property market for the first half of 2017. Remember, were here to help you find the right finance product for your needs, whether it is for your first home, your next home, an investment property, or even refinancing to get a better rate. Call us today on 0418744745 for a chat about your plans, well be happy to help.

19.01.2022 3 Top Tips for Buying Your First Home Youve budgeted hard, given up loads of smashed avocado brekkies, saved your deposit and are ready to buy your first home. High five! Theres nothing quite like finally getting a foothold on the property ladder and moving into your very own pad, but it does require planning and research. With our help, youll soon be doing a victory dance and posting that exciting Facebook post of you in front of a shiny SOLD sign. Here are our quick t...Continue reading

19.01.2022 Mortgage Brokers Why Were More Popular Than Ever Whether you are buying your first home, your next home, refinancing, investing, purchasing assets or commercial property, entering the property market is exciting. However, it can also be daunting, with so many elements at play and your life savings on the line. Now more than ever, borrowers are relying on the professional expertise of mortgage and finance brokers to help them navigate through the home loan application and ...Continue reading

17.01.2022 INTEREST RATE CUT Great news for those in the market to buy property this autumn! The Reserve Bank of Australia met for its May meeting today and decided to cut the official cash rate by .25 basis points, bringing it to a new historical low of 1.75 per cent. Wow! That's seriously low. ... With the Aussie dollar on the rise and the national inflation rate falling, the RBA has made this move today in an effort to cut the cost of borrowing and stimulate the economy. It is the first rate cut to occur since May last year and it brings the official cash rate to an all-time low. It will be interesting to see if lenders move to cut home loan interest rates as a result of today's RBA decision, and by how much. However, we're sure there will be great rates available for first home buyers, next home buyers and those looking to refinance. Property investors can also look forward to accessing more competitive rates. With property markets very busy at this time of year, getting pre-approval on your loan is a wise move. Were here to help you get your finance in place, so please give us a call on 0418 744745.

17.01.2022 5 great reasons to consider refinancing Getting a mortgage locked in can be a major hurdle when buying a property, whether youre a home buyer or an investor. For some, it can be a very anxious time and its easy to understand why you might try to avoid the stress of doing it again for as long as you can. However, sticking with the same loan for too long can be a mistake. In this article we talk about some of the benefits of refinancing your mortgage and some of the strategic...Continue reading

16.01.2022 At its November meeting today, the Reserve Bank of Australia has kept the official cash rate unchanged at 1.5 per cent for the 15th consecutive month! What else is happening in our markets? Future rate movements: Some analysts are speculating we will see our next rate cut in 2018, following recent declines in auction clearance rates, and indications of overseas investors withdrawing from the market.... Interest only loans: Figures released last month revealed our major banks cut back interest only lending by $4.5B over the past year. We know which lenders are still offering these loans, and which ones have the most competitive rates, so get in touch if you need help locating the right product for your needs. Owner occupier loans: There are some very competitive rates available for those looking to buy their own home right now. Some lenders are also offering special deals to encourage first home buyers to get into the market. Talk to us if youre looking to put a foot on the property ladder this spring wed love to help! Property market activity: In the last week of October, the combined capital cities saw the number of auctions reach a new year-to-date high, with a total of 3,690! There are plenty of properties available, so please contact us on 0418744745 now to arrange pre-approval on your loan. Regards, Havelock Everton Credit Representative 386470

14.01.2022 Property investor profiles what type are you? In Australia, its possible for just about anyone with a deposit to invest in property, whether you are a low-income earner on a tight budget, or a well-off with loads of disposable income. Interest rates are very low at the moment and home prices are more affordable than theyve been for a while. So, if youve been thinking about property investment, it may be a good time to get started. Rentvestors...Continue reading

13.01.2022 What to look for in an investment property Buying an investment property can be a clever way to build wealth for your future. There are government incentives that make this form of investment great for mum and dad investors - such as the potential to claim back losses as a tax deduction. So, how do you go about finding the right property for your needs, particularly if youre not an experienced property investor? In this article, youll find some insights about what to look f...or in an investment property. And remember, when you need the right finance for your investment, we are here to help so give us a call! Capital growth potential Capital growth is the increase in value of a property over a period of time. Investors use a range of strategies to build wealth, and looking for the properties that are most likely to experience significant capital growth, is often high on their radar. Be sure to choose an investment property that is close to amenities such as schools, shopping centres and public transport when an area is experiencing economic growth, these properties will be in the most demand. Rental returns Some investors choose to focus on properties with a high rental yield, rather than just looking at capital growth potential. The rental yield is the rate of income return compared to the costs associated with the investment property. Its typically expressed as a percentage, and may be calculated as a gross or net figure. Low maintenance costs As an investor, its wise to opt for a low-maintenance property. They not only cost less to keep, but theyre less hassle too. Units can be easier and cheaper to maintain than old houses for example, but keep in mind youll most likely have to pay body corporate fees. Choosing the right investment property requires careful research and planning. Luckily, one area you dont have to worry about is finding the right investment loan for your specific needs. We can take care of finding you a loan product that matches your financial circumstances, while working with your investment goals. Please call us today on 0418 744745!

12.01.2022 Reserve Bank of Australia cuts rates to record lows! Today the Reserve Bank of Australia (RBA) met for its August meeting and decided to cut the official cash rate by 25 basis points to just 1.50 per cent, creating the lowest cash-rate ever on record! The decision follows the release of June quarter inflation data last week that revealed inflation has slipped well below the RBA's target range. The RBA is also concerned the Aussie dollar remains stubbornly high compared to ot...her global currencies, which tends to have a dampening effect on economic growth. Forecasters remain divided over the possibility of further rate cuts this year. On the one hand, strong employment data suggests the economy is starting to respond to the stimulus the RBA has already applied and a further cut may not be necessary if the economy continues to improve following today's cut. On the other hand, the inflation figures may indicate a softening trend that could require further stimulus to lift the inflation rate into the RBA's target band of around 2 per cent. Global economic developments, such as the possibility of a rate rise in the US, will most likely prove to be the deciding factor. We expect that lenders will make reductions to home loan interest rates following today's decision. It's entirely possible that these adjustments will bring the lowest interest rates we can expect for the foreseeable future, so if you've been waiting to refinance your home loan or fix your interest rate, then talk to us now. Conditions are also looking much more attractive for property investors, first home buyers and next home buyers, so give us a call on 0418 744745 if you're in the market to make a property purchase and we'll help you get a really competitive rate on your loan.

11.01.2022 RBA Rates On Hold With winter setting in and no sign of our property markets slowing, the Reserve Bank of Australia (RBA) met today for its June meeting and elected to keep the official cash rate on hold at 1.75 per cent. The official cash rate is currently at all-time lows following a rate cut last month. Forecasters are predicting that low inflation figures may prompt the RBA to drop rates again this year, with speculation that another cut may be coming as early as August.... This is great news for property owners and buyers, with interest rates falling across the board following the RBA's announcement last month. With plenty of housing stock available on the market, auction numbers high in most capital cities during May and conditions looking good for the remainder of the year, now is a great time to talk to us about your property goals. If you've had your home loan for a while or are considering making the switch to a fixed rate product, now is also a good time to talk to us. We'll take a look at your current home loan and do all the legwork to find you a more suitable product for your circumstances and goals, so please call us today on 0418 744745 for a free home loan analysis

11.01.2022 3 Top Tips for Buying Your First Home You’ve budgeted hard, given up loads of smashed avocado brekkies, saved your deposit and are ready to buy your first home. High five! There’s nothing quite like finally getting a foothold on the property ladder and moving into your very own pad, but it does require planning and research. With our help, you’ll soon be doing a victory dance and posting that exciting Facebook post of you in front of a shiny ‘SOLD’ sign. Here are our quick t...Continue reading

10.01.2022 3 ways to start growing your nest-egg using real estate. In Australia, the national past-time seems to be to save, save, save for a house deposit! People are making all sorts of sacrifices to get that all-important deposit together from living with mum and dad into their thirties, to sacrificing lifes little luxuries. But why are so many Australians so very focused on owning their own property? Besides providing a cosy nest of your very own, buying a property can potential...Continue reading

09.01.2022 Christmas is just around the corner and isn’t it a wonderful time of year? It’s a time for family and friends, a little self-indulgence, of recognising how hard you’ve worked all year and rewarding yourself for your efforts. If you’ve been contemplating a property purchase, why not make that dream a reality? We can help you secure the finance you need, so please get in touch! Interest Rate News Thankfully, there was no pre-Christmas surprise this month from the Reserve Bank o...f Australia. The board decided to leave the cash rate on hold at 1.5 per cent. The central bank’s board will next meet in February 2018. Property Market News On the whole, national dwelling values were largely steady in November. Again, Melbourne seems to be proving more resilient than Sydney, with dwelling values up 0.52%. In contrast, Sydney’s housing market saw prices fall -0.72% in November. Canberra’s dwelling values rose by 0.86%, while Hobart experienced 0.64% growth. Things are looking up for property owners in Perth, where values rose by 0.21% in November. The city recorded the first rolling quarterly capital gain since late 2014 (up 0.3% in the three months to November). In Brisbane and Adelaide, there was less fluctuation (0.07% and 0.01% growth respectively). Darwin, like Sydney, experienced a fall in property values the month-on-month change was -0.42%. In the week ending December 3, there were 3,276 auctions held across the combined capital cities. According to CoreLogic, the preliminary clearance rate was 63.5% - up from the previous week’s clearance rate of 61.6%. Auction volumes remain in line with last year’s figures, but this time last year the clearance rate was much higher, at 72.3%. Melbourne and Sydney’s clearance rates picked up compared to previous weeks. In Victoria, there were 1,800 scheduled auctions and a clearance rate of 67%. New South Wales held 1344 scheduled actions and cleared 62% of the stock. Meanwhile, the ACT had the highest clearance rate 76% on 105 scheduled auctions. Tasmania only held 11 auctions and cleared 67% of stock, while South Australia had 148 scheduled auctions and 65% of properties sold. In Western Australia, 61 properties went to auction and 46% went under the hammer. Queensland held 395 auctions and the Northern Territory had 17. Both had clearance rates of 36%. As the sun sets on 2017, we’d like to take the opportunity to wish you a safe and happy festive season. Remember, now is a great time to purchase a new property for the New Year, or to re-evaluate your mortgage. If you’d like advice about finding a mortgage that suits your financial circumstances and plans, we’d love to help! We’ll do the hard yards for you, so that you can concentrate on the fun stuff this summer, like playing beach cricket and being with the family. Here’s to an exciting 2018 hopefully one that includes an exciting new property purchase!

08.01.2022 EXCITING NEWS FOR FIRST HOME BUYERS Theres nothing quite as exciting as receiving a shiny set of keys to your very own home. The thrill of knowing its all yours. The freedom to be able to do what you like with it. Nothing compares! If youre an aspiring first home buyer, the new First Home Loan Deposit Scheme may help you reach your homeownership goal sooner. Heres what you need to know. The First Home Loan Deposit Scheme explained...Continue reading

07.01.2022 We hope you are enjoying the fantastic summer weather and are all ready for another exciting year as things start to heat up in the Australian property market! The Reserve Bank of Australia met today for its first meeting for 2017 and has elected to keep the official cash rate on hold at 1.5 per cent yet again. Meanwhile, many lenders have been adjusting interest rates outside of RBA movements. Since December, some have lowered their rates on owner-occupier loan products, wh...ilst increasing their rates on fixed term loan products particularly for longer 3 or 5 year terms. This had led analysts to speculate that the bottom of the market has now passed on fixed rate products. Just because the Reserve Bank of Australia has not moved on rates this month, doesnt mean you cant! There are some very low interest rates available at present and conditions are improving for property investors, so get in touch with us today on 0418 744745 if youre looking to refinance or need a new loan for any purpose.

07.01.2022 How to beat the urge to splurge Christmas is just over the horizon and decorations are already starting to appear at the local shops. Its a time of year where its almost common practice to splurge! Marketers are all working hard to encourage you to buy, buy, buy and you may have already picked up a few things for yourself and to put under the tree for family and friends. Its easy to resort to retail therapy when you need a bit of a pick-me-up, and its also easy to over...Continue reading

06.01.2022 Summer is over and now that were entering the busy autumn selling season, our property markets are picking up and resuming the hectic pace we saw last year! Property markets are going strong, with auction clearance rates picking up around the country. For the week ending February 29, there were 1,327 auctions recorded in Victoria with a good clearance rate of 75%. In NSW, there were 872 auctions with a clearance rate of 73%, Queensland 175 auctions with a clearance rate of ...58%, South Australia saw 118 auctions with a clearance rate of 73%, ACT had 72 auctions with a clearance rate of 70%, Tasmania had just 9 auctions with a clearance rate of 60%, NT had 10 auctions with a clearance rate of 63% and Western Australia held 47 auctions with a clearance rate of 44%. Whilst last year saw some very rapid rises in home values, this month growth has been slower. Sydney home values increased by just 0.47%, Melbourne 0.30%, Brisbane & Gold Coast 1.30%, Adelaide 1.88% Darwin 0.40% and Hobart 2.85%. Perth and Canberra showed small declines in home values over the last month, with Perth showing a 1.13% decrease and Canberra 0.16%. Remember, were here to support you with all your finance needs. If youre thinking about getting into the market this autumn, then give us a call on and well help you to get pre-approval on a loan so youre in a great position to buy. If youre an investor, dont be put off by any small rises in rates were here to help you find the most suitable loan for your needs, so call us today on 0418 744745. We recommend that you seek independent financial and taxation advice before acting on any information in this newsletter. It contains general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Interest rates are subject to change without notice. Lenders terms, conditions, fees & charges apply. Information sources: Auction results: www.realestate.com.au. Home values: www.corelogic.com.au

06.01.2022 Christmas is just around the corner and isnt it a wonderful time of year? Its a time for family and friends, a little self-indulgence, of recognising how hard youve worked all year and rewarding yourself for your efforts. If youve been contemplating a property purchase, why not make that dream a reality? We can help you secure the finance you need, so please get in touch! Interest Rate News Thankfully, there was no pre-Christmas surprise this month from the Reserve Bank o...f Australia. The board decided to leave the cash rate on hold at 1.5 per cent. The central banks board will next meet in February 2018. Property Market News On the whole, national dwelling values were largely steady in November. Again, Melbourne seems to be proving more resilient than Sydney, with dwelling values up 0.52%. In contrast, Sydneys housing market saw prices fall -0.72% in November. Canberras dwelling values rose by 0.86%, while Hobart experienced 0.64% growth. Things are looking up for property owners in Perth, where values rose by 0.21% in November. The city recorded the first rolling quarterly capital gain since late 2014 (up 0.3% in the three months to November). In Brisbane and Adelaide, there was less fluctuation (0.07% and 0.01% growth respectively). Darwin, like Sydney, experienced a fall in property values the month-on-month change was -0.42%. In the week ending December 3, there were 3,276 auctions held across the combined capital cities. According to CoreLogic, the preliminary clearance rate was 63.5% - up from the previous weeks clearance rate of 61.6%. Auction volumes remain in line with last years figures, but this time last year the clearance rate was much higher, at 72.3%. Melbourne and Sydneys clearance rates picked up compared to previous weeks. In Victoria, there were 1,800 scheduled auctions and a clearance rate of 67%. New South Wales held 1344 scheduled actions and cleared 62% of the stock. Meanwhile, the ACT had the highest clearance rate 76% on 105 scheduled auctions. Tasmania only held 11 auctions and cleared 67% of stock, while South Australia had 148 scheduled auctions and 65% of properties sold. In Western Australia, 61 properties went to auction and 46% went under the hammer. Queensland held 395 auctions and the Northern Territory had 17. Both had clearance rates of 36%. As the sun sets on 2017, wed like to take the opportunity to wish you a safe and happy festive season. Remember, now is a great time to purchase a new property for the New Year, or to re-evaluate your mortgage. If youd like advice about finding a mortgage that suits your financial circumstances and plans, wed love to help! Well do the hard yards for you, so that you can concentrate on the fun stuff this summer, like playing beach cricket and being with the family. Heres to an exciting 2018 hopefully one that includes an exciting new property purchase!

05.01.2022 Welcome to our December newsletter Summer is here and Christmas is just around the corner. Our last newsletter for 2016 focuses on maximising those New Year car sales, investment loans and becoming a good landlord, and how you can apply some damage control to your Christmas spending. The Reserve Bank of Australia (RBA) has met for their final meeting for 2016, and announced the official cash rate will remain unchanged at 1.5 per cent. We last saw rates fall in May and August...Continue reading

04.01.2022 JULY NEWSLETTER With Britains vote to exit the EU and all the uncertainty that surrounded our own Federal Election this month, theres a lot of volatility in our financial markets and our property markets have slowed. As predicted by most market forecasters, the Reserve Bank of Australia (RBA) decided to keep the official cash rate on hold at 1.75% once again at its July meeting. The RBA has indicated that its waiting for more information before deciding if further cuts to ...the cash rate will be necessary. However, an Aussie dollar thats strengthening against other currencies in light of global market volatility, combined with a lower than expected national inflation rate would seem to suggest that further rate cuts may be on the horizon. Whilst some analysts are speculating the cash rate could go as low as 1%, others believe a rate cut in August to 1.5% could see the end of the RBAs easing bias in 2016. It is usual for property markets to slow somewhat at this time of year, and the Federal Election also caused a reduction in the number of auctions held at the start of this month. For the week ending Sunday 03 July, there were only 850 auctions scheduled nationally, which is a significant drop since the same time last month when there were 1960 scheduled auctions. Auction clearance rates also registered a significant drop in most markets. Queensland held 68 scheduled auctions with a very low clearance rate of just 36%. Western Australia held 30 scheduled auctions with a clearance rate of 38%, ACT held only 27 scheduled auctions with a clearance rate of 54%. NT was also low in activity, with just 9 scheduled auctions and a clearance rate of 22%. The larger markets performed a little better however. Victoria had 270 auctions with a clearance rate of 67%, NSW had 365 scheduled auctions with a clearance rate of 78% and South Australia had 70 scheduled auctions with a clearance rate of 62%. During June, average home values didnt show much movement at all. Sydneys home values increased by just 1.15% and Hobarts home values increased by 1.81%. Melbourne showed a marginal rise in home values of just 0.77%, Brisbane/Gold Coast also had a marginal increase of 0.11%. All other markets showed marginal declines, with Darwin showing the most significant decrease in home values at -1.55%, Adelaide following with a decrease of -1.27%, Canberra next with a decrease of -1.11%, Perth showing a decrease of -0.79% and Brisbane showing a home value decrease of -0.11%. Following the RBAs decision to cut the cash rate in May, lenders have improved their interest rates for owner-occupier, property investment and commercial property buyers. Interest rates are very competitive and with the property market finally showing signs of slowing down for winter, lenders are offering some great deals to stimulate more business so please call us today on 0418 744745.

04.01.2022 Property investor profiles what type are you? In Australia, it’s possible for just about anyone with a deposit to invest in property, whether you are a low-income earner on a tight budget, or a well-off with loads of disposable income. Interest rates are very low at the moment and home prices are more affordable than they’ve been for a while. So, if you’ve been thinking about property investment, it may be a good time to get started. Rentvestors...Continue reading

03.01.2022 What is 'Rentvesting'? And what are the benefits? Rentvesting. Its a whole new word in todays popular culture, but it also represents a revolution in home buying strategy, particularly for first home buyers and those struggling to move up the property ladder. But what is it? And what are the benefits? What is rentvesting? Everyone agrees that buying your first home is becoming increasingly difficult. The struggle to save up a deposit for your first property purchase is ge...Continue reading

02.01.2022 Home Brand - Loans If you're a savvy shopper, it's likely you regularly choose the home-brand products at your local supermarket. It certainly makes good financial sense. After all, who needs the fancy packaging if it's a quality product at a competitive price? The same is true for your home loan.... As a mortgage broker, I have exclusive access to some very competitive home-brand home loan options. That means you can save with a straightforward, quality home loan that only charges you for the features you want to use - whatever your home buying plans may be. My exclusive home-brand loans give you two excellent home loan product ranges called Connective Home Loans Essentials and Connective Home Loans Smart Options. You'll find they are: Straightforward you only pay for what you need without the frills. Competitive to help you save on fees and interest. Simple manage your loan online or over the phone and get easy access your to funds via ATM and EFTPOS. Get access to my broker-exclusive loans today. Remember, I'm here to give you more choices for your home loan. I can help you access loans from Australia's leading lenders as well as these great home-brand options you can't get directly from regular outlets. You can also rely on my expert guidance to help you choose exactly the right home loan for your needs and goals. Contact me today on 0418 744745 to discuss your home-buying plans and I'll be happy to help you find a competitive loan that can bring them to life!

02.01.2022 AUGUST NEWSLETTER Whilst our property markets have cooled somewhat over winter, the recent rate cut from the RBA looks all set to motivate buyers and reignite property market activity in time for spring At its August meeting, the Reserve Bank of Australia (RBA) decided to cut the official cash rate by 25 basis points to just 1.50 per cent. This follows a rate cut in May this year, bringing the official cash rate to its lowest point ever on record! The RBA has indicated that ...its now waiting for more information regarding global currency market activity before it will decide if further cuts to the cash rate will be necessary in 2016. This months move was prompted by low inflation figures for the June quarter, which indicated a weakening trend, well under the RBAs target range of 2 per cent. The Australian dollar also remains stubbornly high compared to other currencies, which tends to have a dampening effect on the economy. Property market activity has cooled during winter, which is traditionally the case for this time of year. For the week ending July 31, Victorias auction market was the strongest, with 754 scheduled auctions and a clearance rate of 75 per cent. NSW held 509 auctions with a clearance rate of 78 per cent. Queensland only scheduled 156 auctions and the clearance rate was quite low at just 49 per cent. South Australia had 107 auctions and a clearance rate of 69 per cent. Western Australia scheduled 34 auctions and achieved a clearance rate of only 37 per cent. Northern Territory had only 8 auctions and a clearance rate of just 25 per cent. ACT held 43 auctions, with a clearance rate of 74 per cent and whilst Tasmania held 7 auctions, none of the properties registered as sold. With the overall weakening of property sales during winter, home value increases have also slowed. The biggest increase for the month was in Adelaide, where home values rose 1.42 per cent. Home values in Sydney increased by 1.25 per cent, in Hobart by 1.12 per cent and in Melbourne, 1.11 per cent. All other markets showed very marginal decreases in home values, except for Darwin where there was a significant drop of 6.18 per cent. This months cash rate cut, combined with the decline in market activity for winter, has stimulated lenders to offer some extremely competitive interest rates and great special offers. Smaller lenders have passed on the full rate cut, so if youve been waiting for the right time to refinance your home loan or fix your interest rate, then this could be it! We can also access great rates for first home buyers, next home buyers and property investors, so give us a call on 0418 744745 now to check out what we can do for you and find out how much money you could save.

02.01.2022 How to set up a luxury holiday rental Summer is approaching fast and everyone is looking on AirB&B or Stayz.com for the perfect house to spend the holidays. As you scroll through the listings and your eye wanders across all the gorgeous homes in Australias most idyllic holiday spots, youll also notice the breathtaking prices they command during the peak season. If youre a property investor, you may find those high price tags make it very hard to resist the idea of investi...Continue reading