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Feel Good Financial Services

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25.01.2022 Beautiful day to go shopping...

25.01.2022 We've kicked the new financial year off with a donation to Animal Welfare League NSW - Shoalhaven Branch thanks to a lovely client choosing them for our Giving Back program. Something to warm my heart on this cold winter day!

24.01.2022 Impressive light show last night! I love a good thunderstorm

23.01.2022 Lucky Little Lavender! One of our lovely clients chose AWL - Shoalhaven Branch Members for their 'Giving Back' recipient today which means another $50 is off to this amazing charity to help them with the incredible work they do.

23.01.2022 Good News: Changes to the DHOAS Act came into effect from the 22nd June. "The beneficial amendments have extended the time frame, for ADF members transitioning to civilian life, to access their final DHOAS Subsidy Certificate from two to five years. The changes ensure that members who leave the ADF and re-join within five years will also retain all service credit accrued prior to their break in service."... https://www.dhoas.gov.au//extra-support-for-veterans-throu

23.01.2022 How stunning are these beautiful flowers delivered by Jervis Bay Florist today?! They smell divine. So grateful for this beautiful birthday/office warming gift!

23.01.2022 The RBA have announced their decision.

22.01.2022 Another beautiful thank you gift received this week to brighten my desk on a dreary day. I'm so fortunate to have the most amazing clients to work with! Happy Friday!

22.01.2022 Are you one of the lucky ones? For those with secure income, now is the perfect time to consider refinancing your home loan to take advantage of the record low rates on offer. Banks are still open for business, and so are we.... Call 0423688756 to see how we can help. *Photo by Djalma Paiva Armelin from Pexels

22.01.2022 Great news for property vendors!

21.01.2022 We recently welcomed 86400 onto our panel of lenders

21.01.2022 After our wonderful experience adopting this long-legged girl 6 months ago, I've decided to add Animal Welfare League NSW - Shoalhaven Branch to our list of charities under the Giving Back Program! www.feelgoodfs.com.au/giving-back

20.01.2022 When choosing your bank, what do you prioritise? If you're interested in avoiding banks that fund fossil fuels, this website is a fantastic resource. Currently, I have access to 13 of the lenders on the list of 'Banks with no current record of funding fossil fuels' and intend to grow that list this year.... https://www.marketforces.org.au/info/compare-bank-table/

20.01.2022 Wondering what happens after you apply for a home loan? This short & sweet guide runs you through the typical 6 stages.

19.01.2022 I'd like to add 'Mitts off your devices'! Super important to switch off from all the bad news for at least a little bit each day. Wishing you all a little bit of peace this weekend

19.01.2022 First Home Buyers Stamp Duty Waiver extended to include purchases of new properties up to $800k!

18.01.2022 Yikes... As usual, we'll be keeping an eye on the banks as they *hopefully* pass on the cuts.

18.01.2022 BREAKING NEWS! STAMP DUTY RELIEF WELCOMED Member for South Coast Shelley Hancock has today welcomed the NSW Government’s announcement to provide stamp duty reli...ef for people who lost their homes during the bushfires and who choose to purchase a replacement home elsewhere rather than rebuild. Mrs Hancock said the stamp duty relief is part of the NSW Government’s unwavering commitment to do all it can to support people to get back on their feet and back into a new home faster. The last thing residents across the Shoalhaven need right now, particularly at Conjola Park, is more financial stress, which is why the Government is doing everything to ease any financial burden residents may face, Mrs Hancock said. People purchasing replacement homes will only begin paying stamp duty once the amount payable exceeds $55,000. Information on how to apply for a refund and eligibility requirements will be available from Service NSW and Revenue NSW websites from March 10. Eligible people who have already paid duty will be able to apply for a refund.

17.01.2022 The NSW Government has launched Dine & Discover NSW to encourage the community to get out and about and support dining, arts and tourism businesses. You can apply for 4 vouchers worth $25 each to be spent at participating local businesses. Find out more by visiting the Service NSW website.

16.01.2022 Four years ago I walked away from a secure bank job to take a leap into the world of mortgage brokering and small business. This is the quote that encompassed my feelings at the time! Four years later it's been a bumpy ride through a Royal Commission, bushfires and a pandemic but I'm forever grateful for the opportunities I've had. I still get butterflies in my stomach every time I get to help a new client reach their goals. I don't think that feeling will ever go away!

16.01.2022 Your guide to the Federal Budget 2020: Courtesy of Macquarie. If you've seen the headlines but haven't quite got a grasp on what it means for you, check out this link. It's a helpful summary of the budget and how it might effect you.

16.01.2022 I consider myself incredibly lucky to share in this little patch of paradise, so rich with culture.

16.01.2022 On the 1st of January 2021, the 'Best Interest Duty' will apply for all Mortgage Brokers. This means we are legally required to act in the best interest of our consumers. We like to think we've always acted in this way, but we've just completed some official training to make certain we're taking great care of our clients It's important to note that the Best Interest Duty does NOT apply to banks just brokers.

16.01.2022 Happy International Mens Day! Grateful for all the wonderful men in my life. Hug a man today!

16.01.2022 Are you intending on applying for the next round of First Home Loan Deposit Scheme (FHLDS) places being released on the 1st of July? You'll need to supply your 2020 Notice of Assessment! That means you will not be eligible until AFTER you have lodged your tax return and had your Notice of Assessment returned from the ATO. Have a chat with your bookkeeper and/or accountant about how to get organised so you can lodge quickly.

16.01.2022 Feeling very spoilt this morning with this beautiful gift from some beautiful clients. I'm so fortunate to love what I do (most days) and have incredibly supportive clients to work with. Thank you

15.01.2022 The first round of HomeBuilder is coming to an end this month, but an extension to the scheme means you still have time. Got questions? Let us know!

15.01.2022 With restrictions slowly easing, we're cautiously returning to some kind of normal. Face to face appointments are now available where requested however full online service is still available if you'd prefer.

15.01.2022 Taking some time out to enjoy places like this (a.k.a paradise ) with the fam. Back in the office on Tuesday! Wishing everyone a happy and safe long weekend.

15.01.2022 A great reminder... It's just not worth the risk. Hope you're all staying safe and dry!

15.01.2022 Honoured to celebrate #iwd2021 at @cupitt Estate today with a room full of inspiring women, including Nikki from @mummefittime and Kat from @changingtidecmw.

14.01.2022 Last week I was too busy dodging floodwaters in Byron Bay to remember it was Feel Good's 2nd Birthday! The sun shone for about 6 hours in the four days I was there, I'll take that as a celebratory moment - but I still want cake!

14.01.2022 So it's been a strange festive season around these parts. Time that would normally be filled with beach swims and barbecues has been replaced with smoke and fear. My family are some of the lucky ones, dear friends were not so fortunate. As we try and return to some kind of normal, my heart still breaks for those people who have been impacted and the local businesses who rely so heavily on this tourist season. Donations of goods have now reached capacity therefore local servi...ces respectfully request donations of money instead. If you can help, our locales Wildlife Rescue is in desperate need of assistance. In time, our Shoalhaven will rebuild and flourish.

14.01.2022 Please be advised that my service levels will be effected with this outage. I will return any communication as soon as we are back online.

13.01.2022 Traditionally, as the weather warms up so does the property market! It looks as though First Home Loan Deposit Scheme places will all be exhausted within the next few weeks so if you were planning on utilising the scheme make sure you get in touch ASAP. Otherwise, you may wish to consider a Family Guarantee to save on LMI. This short blog walks through that scenario.

12.01.2022 If you're having trouble understanding what support is available to you during this time, I have found these are the two websites which are the most practical. For individuals: https://www.dss.gov.au//coronavirus-covid-19-information-a For businesses: https://www.business.gov.au//Coronavirus-information-and-s... If you have questions about Financial Hardship packages available from banks, please get in touch.

12.01.2022 R U OK? This year, this question is probably the most important. We've been through some crazy times lately () and even if you're coping OK with it, sometimes little things can feel like big things. Funerals, births, weddings, birthdays, school - nothing is the same.... So ask around but also ask yourself. If you need more resources head to the R U OK website where they share more info around what to do when the response is 'no, I'm not OK'. And if you're not OK, I'm here for you. (Pictured: My very OK little munchkin) #RUOKday

12.01.2022 If you are experiencing financial hardship and are considering accessing your bank's financial hardship package you can now rest assured that this will NOT negatively impact your Credit File. APRA have just released this statement advising that those who take the up to 6 month repayment holiday will not be treated as being in arrears. Please spread the word. If you need help, seek it immediately. Contact your bank's financial hardship team and discuss your situation and their support offering.

11.01.2022 I've only got one kid Lucky for me she's got a bright future ahead of her

11.01.2022 Applications for the new First Home Loan Deposit Scheme are now open, with 10,000 guarantees available to first home buyers looking to get a leg up into the property market.

11.01.2022 Almost my backyard

10.01.2022 If you've been waiting for the market to 'crash' before buying in, you might be waiting a while...

10.01.2022 So many open homes around at the moment! Get a preapproval before you head off shopping so you can act swiftly when you find your dream home

09.01.2022 A further rate cut has been announced by the RBA today, bringing the official cash rate to 0.25%. We are beginning to see the effects of the virus on the economy and more specifically on home lending. Many banks have their staff now working remotely and have relaxed their face to face identification requirements.... If you are seeking advice about purchasing or refinancing but are unwilling or unable to meet in person, we can arrange a phone or video chat.

09.01.2022 Open homes are back on and there is a huge array of properties on display right now with a little less competition than usual. Are you on the hunt? Or a casual browse? Get in touch if you want to know your borrowing capacity before you go shopping.

09.01.2022 Struck down with a cold this week, this is the kind of thing that gets me through the day #fridayfunny

08.01.2022 This week saw another donation head off to Shoalhaven Kids in Need. Thanks again to the support of my incredible clients. #feelgoodmoment

08.01.2022 Newsletter recap touching on cashback bonuses, current economic conditions, Instant Asset Write-off, FHLDS and digital identification verification. Let me know if you have any questions

08.01.2022 Another cheeky little donation off to Animal Welfare League NSW - Shoalhaven Branch yesterday. These superheroes are so deserving of any assistance we can give them!

08.01.2022 Keep an eye out for this beautiful new local magazine headed for your mailbox soon!

07.01.2022 Forever grateful for my wonderful clients and their kind words, particularly in times of chaos like this.

07.01.2022 I'm pleased to announce the release of our Domestic Violence Support Package. If you would like a confidential chat about your options, please don't hesitate to get in touch. If you think this type of support could help someone you care about, please share it around.... Please call 0423688756 or email [email protected] for more information.

07.01.2022 Only 10,000 FHLDS places are released each year, however the scheme was extended to another 10,000 places for new homes only to help boost the economy through COVID times. Got questions? Ask us!

07.01.2022 Watch this space

06.01.2022 Change is coming! The platform we use to work our magic has just released some major changes... and they're seriously cool There's a super efficient, super secure solution to collecting your information on its way!

06.01.2022 Happy International Women's Day (Weekend)!

05.01.2022 Just in case you forgot...

05.01.2022 A little info about the First Home Loan Deposit Scheme (FHLDS).

05.01.2022 What does a Mortgage Broker do? Collect your information, assess your unique situation, provide advice and solutions that meet your needs and objectives, submit the application on your behalf and provide post-settlement support. That's the boring answer. Do you know what this Mortgage Broker has done this year?... * Helped parents spend more time with their children * Helped single mums build homes for their family * Helped small businesses buy new premises so they can expand and smash their dreams * Helped families out of crippling debt spirals * Helped first home buyers to build their forever homes * Helped long-distance couples to relocate to the same city Mortgages aren't just about money and I am so grateful to be a tiny part of my clients' stories.

05.01.2022 Just a reminder that we are 'open' for business, just from a distance. We are harnessing technology to provide the same great service via phone, email, Zoom, Skype, carrier pigeon, snail mail - whatever your preference.

05.01.2022 Welcome news this morning with credit law reform expected by early next year. The Government wants to make it easier for you to get a mortgage amid the coronavirus recession "But the Government said strong consumer protections would be maintained under the law changes and credit providers would still need to comply with their existing licensing obligations to act efficiently, honestly and fairly"

05.01.2022 Fantastic news today with the extension of the Homebuilder grants! https://treasury.gov.au/coronavirus/homebuilder

05.01.2022 Shutting up shop to go and do a whole lot more of this! We'll reopen 8th Jan 2021. Of course, any urgent and existing matters will continue to be dealt with in a timely manner. Happy holidays everyone, and thank you for your support in 2020.

04.01.2022 Pleased to announce I am now a certified Justice of the Peace. Just another helpful service for my clients and the wider community! Don't hesitate to send a message or call on 0423688756 if you require a JP.

04.01.2022 Are you open-homing on the weekend? Properties in the Shoalhaven are moving FAST so make sure you have a yarn to the agent and don't dawdle!

03.01.2022 Donate to Movember Australia and you too can be a LEGEND!

03.01.2022 The HomeBuilder package was announced today as a $25,000 tax-free grant for new homes built or substantial renovations. Plenty of terms and conditions apply and it will only run for 6 months. Good news: The HomeBuilder grant is available on top of any First Home Owner entitlements. Bad news: Substantial renovations must be over $150,000 to be eligible.... Here is the factsheet from Treasury: https://treasury.gov.au//2020-06/Fact_sheet_HomeBuilder.pdf

02.01.2022 An update on the First Home Loan Deposit Scheme extension and how the eligibility criteria has changed.

01.01.2022 Very curious to see how this unfolds next year. Pros and cons to both.

01.01.2022 A massive thank you to our emergency services doing all they can to keep our community safe! What a year... I'm one of the lucky ones with minimal damage and power came back on last night. Thoughts are with everyone struggling still today Stay dry, stay warm, stay safe!

01.01.2022 Massive news overnight with the announcement of an additional 10,000 FHLDS places being released. Of course there's a catch - this round is for NEW homes only but the price caps are increased to factor the higher price point. We'll share more information as it's released.

01.01.2022 From mine to yours... Merry Christmas! I'm very fortunate to have my husband home so we'll be making the most of it with some much needed time off. We'll be closed from this Friday the 20th December, reopening on the Monday 6th January. (Urgent enquiries will of course be attended to, can't help myself.)