Faris Abdel-Hamid in Morphett Vale, South Australia | Property

Faris Abdel-Hamid

Locality: Morphett Vale, South Australia

Phone: +61 436 614 416

Address: 211-213 Main South Road 5162 Morphett Vale, SA, Australia

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

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24.01.2022 Looking to apply for a homeloan in the next 3 to 6 months? Here 10 great tips to help ensure that your homeloan gets approved without any issues: 1. Always make sure that all of your accounts are in credit (stay on top of your direct debits and don't go overdrawn).... 2. Don't allow your credit card balance to go above its limit. 3. Check your credit history for any adverse credit conduct that you may be unaware of (i.e. paid/unpaid defaults). 4. Make sure that you are repaying existing credit commitments on time (i.e. personal/homeloans). 5. If you have direct debits set-up for existing credit commitments (i.e. personal/home loans), make sure that you always have money in the account that is being debited (avoid any dishonoured payments). 6. Try to avoid taking out any additional credit leading up to your application. 7. Be mindful of any foreseeable changes that may reduce your overall income within the 12 months following your homeloan application. 8. If you are not completely utilising the credit limits across your credit cards consider reducing them accordingly (every $1000 worth of credit card limit will reduce your borrowing capacity). 9. Try and avoid applying for a homeloan with multiple lenders over a short period of time (multiple consecutive homeloan enquiries can reduce your overall credit score). 10. Look at your average expenditure over the last 3 months and try and tighten things up wherever possible. If you want to find out some more tips feel free to send me a message. I'm always happy to help!

24.01.2022 Our team recently visited the amazing Gardenia at Bridgeman Downs complex. We have exclusive access to a hand-picked selection of these stunning townhouses whi...ch are a great opportunity for our investors. Bridgeman Downs is a blue-chip suburb of Brisbane full of large, expensive homes; has a very favourable demographic of well educated and well employed people on high incomes; and very low percentage of rental properties. These are a few of the attributes which make it a great place to invest. If you want to discuss investing in blue-chip areas like this please get in touch.

23.01.2022 Are you interested in finding out what your current property's estimated value is? Thinking of unlocking some of the existing equity within your home to purchase an investment property or carry out some much needed renovations? Send me a message with your property's address and what you're looking to do and I'll send you a free detailed property report within 24 hours.

23.01.2022 Looking to buy your new home? Spring is the perfect time for open inspections. Before you buy have a look at this checklist to put your mind at ease. https://lnkd.in/ggcwpDJ If you are in the market, contact me to review your lending needs. 0436 614 416 #inspection #NAB #morphettvale #mindfulness

21.01.2022 Adelaide has always been more of a quiet achiever when it comes to property investment returns. 2018 left many speculators investing in Australia's bigger cities with a hole in their wallets. Always remember that the property cycle differs between states. Adelaide managed to hold its own in 2018 with 2019 looking to be another stable year.

16.01.2022 There is a common misconception that credit cards are evil. What if I told you that there is a way to strategically use your credit card to pay off your home loan sooner whilst paying less interest? Its actually quite simple. ... Interest on your home loan is calculated daily and charged onto the outstanding loan balance at the end of the month. When you set-up an off-set account linked to your homeloan, the interest is calculated on the outstanding balance minus the total balance of funds within the off-set account. So in theory, the more frequently you have money going into your off-set account, and the less frequently you have money going out, the less interest you pay throughout the life of your loan. To implement this strategy you need to channel all of your income to go directly into your off-set account. All of your living expenses will be paid for on your credit card. At the end of the month (after the interest has been charged to your homeloan account), you will then pay down the credit card in full out of your off-set account. You simply repeat this process every month. As the months go by you will be paying down a larger proportion of the home loan principle balance (money you borrowed) and less interest. This will shave years off your homeloan term and leave more money in your pocket. Its as simple as that. Oh, and by the way. As you pay for everything on the credit card you will build up reward points that will eventually be able to cover the travel costs for your next family holiday. Pretty cool if you ask me. Want to talk about this strategy in more detail? Give me a call or send me a message and let's have a chat.

15.01.2022 Who doesn’t like a bonus?

09.01.2022 As some of you may know, the family and I are packing up and moving to Timor Leste. Today was my last day at NAB. This page will be taken over by our new home lender Faris Abdel-Hamid. Faris is an experienced Home Lender and has previously worked at Homestart Finance. Thanks everyone for supporting me and have a very happy xmas and a great new year! Cheers everyone Justin!

09.01.2022 The earlier that you sit down and look over your list of outstanding financial goals for 2019 the better. Does the thought of reviewing your finances stress you out? Let me do all the hard work for you and fill in all the blanks. Give me a call and let's make 2019 the year that you finally got on top all of your finances.

07.01.2022 Each week I will bring you suburb reports. I start this with the suburb of Morphett Vale. Morphett Vale is one of the most affordable suburbs in Adelaide to buy into and offers good rental returns for investors https://www.realestate.com.au/neigh/morphett%20vale-5162-sa #suburbreport #research #NAB #Morphettvale

06.01.2022 **Breaking** RBA Rates remain on hold at 1.50% https://www.rba.gov.au/media-releases/2018/mr-18-27.html

05.01.2022 Hi all, As mentioned previously, Justin Obst and his family have moved to Timor Leste to start a new and exciting journey. I am the new Home Loan Banking Advisor based at NAB in Morphett Vale. I will be posting regular insightful content on here to keep everyone up to date with the latest property related new/trends. ... A new year is always a great opportunity to set new financial goals and review your current finances. If you are looking to achieve your goal of home ownership, thinking of purchasing an investment property or simply in the market for a better deal, please do not hesitate to give me a call on 0436614416 or pop into the branch to have a chat #2019 #newyeargoals #financialsuccess

04.01.2022 With the Commonwealth Banks rate hike kicking in today, when was the last time you reviewed your lending? Give me a buzz as I’m happy to assist. 0436 614 416 #refinance #NAB #morphettvale

04.01.2022 Suburb of the week is Old Reynella. An affordable suburb for 1st home buyers with a median 3 bedroom house price of $380,000. There are currently 22 properties for sale in Old Reynella. If you are in the market, please give me a call 0436 614 416 https://www.realestate.com.au/neighb/old%20reynella-5161-sa #suburbreport #research #NAB #Morphettvale

02.01.2022 Looking to renovate? here are some do's and more importantly dont's. https://lnkd.in/gQ7EwFA #realestate #renovation #housing #NAB #morphettvale