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Olive Tree Finance

Phone: +61 422 005 495

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24.01.2022 Did you know 'mortgage' is actually an old French word that translates to 'death pledge'. The good news is that in 2021, taking out a home loan doesn't have to be a life sentence. If you're in a position to make additional repayments, you could shave years off your loan and be debt-free sooner. Get in touch with us to review your loan.... Whether we renegotiate your interest rate with your lender, or find you a better option elsewhere - you could save thousands.

24.01.2022 Dreaming of your dream home? You need a smart strategy and disciplined execution. We can help with the former! Learn more: https://www.olivetreefinance.com.au/

24.01.2022 Do you own your own home? If you've built up equity in your property, there are two ways to leverage it: Negotiate a better deal with your lender Use it to secure finance for an investment... Ask us how. See more

24.01.2022 We can't control the latest media beat up, or the never-ending commentary around house prices. We can, however, control whether we take advantage of opportunities in the market, and set ourselves up for long-term success. The best time to plant a tree was 20 years ago. The second best time is now.... Get in touch if you want help understanding your options. Learn more: https://www.olivetreefinance.com.au/

23.01.2022 So, you’ve been saving hard for that deposit and now the reality of home ownership is on the horizon. We don’t want to overwhelm you, but there are thousands of home loan options. Where do you start? The easy way is to get help from a broker. We're paid by the lender, which costs you no extra, compared to if you were to go directly to a bank.... Let us know if you want a hand navigating the home loan process!

23.01.2022 Conveyancing is the legal process of transferring a land title from one owner to another, and it can be quite a process! We absolutely recommend you enlist the help of a professional conveyancer to navigate through the red tape, and ensure you're protected throughout the property transaction. We work with several local conveyancers, and can recommend one who'll make sure all the Ts are crossed and I's are dotted. ... Keep in mind a conveyancer and the various government fees will cost anywhere between $1-3k - so something to factor into your plans.

21.01.2022 Rentvesting is where you rent the property of your lifestyle dreams, while buying the property of your fiscal reality. Perhaps the property you buy is further away from your friends and family, and so you decide to rent a place in the neighbourhood so you're not having to sacrifice your social life. Your post-lockdown social life, that is. Rentvesting is not a bad way to get into the market, because it means you get to lock in today’s pri...ces without being locked into living in the same place 'forever'. Tell me, have you ever rentvested and how did it work out for you? Learn more: https://www.olivetreefinance.com.au/

21.01.2022 Pre-approval is where the bank agrees to lend you a certain amount before you've actually confirmed which property you're buying. It's conditional on you proving your income and spending, and a valuation of the property. Pre-approval gives you: Certainty - so you know how much you can bid up to An edge - having finance ready-to-go may be seen as more attractive to the vendor (when it comes to negotiations)... Get in touch and we'll get you auction-ready See more

21.01.2022 Funny you should ask... When you consider the cash rate is at an all time low of 0.1%, and the home loan industry is more crowded than ever, and the banks ar...e doing their utmost to entice you in...it certainly isn't a bad time! There are now around 30 lenders in Australia offering cash back offers to sign up to their home loans. It's easy to be lured in by these offers, but make sure you consider all your needs when making your decision. We research loans for a living, and so are on top of exactly who's offering what. We'd love to help you decipher the fine print on these home loan deals. See more

20.01.2022 Unplug to recharge this weekend. In a world where we're always being reminded to hustle, work harder, do more, strive further, it can feel counter-intuitive to make time to do absolutely nothing. This is your reminder to enjoy some soul-restorative quiet time this weekend.... We bet you deserve it! See more

19.01.2022 Let's talk about debt, and specifically: what the banks think about your existing debts when you apply for a home loan If, for instance, you’ve got a maxed-out credit card but are ordering Uber Eats five times a week and shopping up a storm with Afterpay, the lender may wonder why you’re not diverting this 'discretionary' spending to paying off your credit card.... They're looking for evidence that you handle your debts well. If you're only making the minimum monthly repayments, or if you're behind on your repayments, it paints a picture that perhaps you're not on top of your money - and are therefore not ready to commit to a home loan. So, if you want to talk about reducing your debt, to help you qualify for a home loan (the good kind of debt), send us a DM or book a meeting: https://10to8.com/book/dzduvbosbrvbicdysn/

16.01.2022 We all start learning about money habits in childhood, and old habits can die hard! Here are some ways to teach your children about money, and hopefully set them up for a lifetime of healthy habits. Read the article here: https://bit.ly/3pbrRNo

14.01.2022 Compound interest has been described as the eighth wonder of the world: They who understand it, earn it. They who don’t, pay it. If you've got personal loans and credit cards, compound interest is why it may seem like you're barely chipping away at those debts. It's the thing that's sapping your disposable income, dampening your savings efforts, and diverting resources from your investments.... Learn more: https://www.olivetreefinance.com.au/

14.01.2022 If investing in property is on the cards for you then you've probably heard about Capital Gains Tax, and possibly nodding along without really knowing what it means (hey, we've all been there!). Capital Gains Tax (CGT) is applied to the profit you make when you sell an investment property, shares, foreign currencies (and a few other types of assets). It won't apply to property you've inherited (provided you don't hold onto it for more than two years). It's calculated from the... date you purchase the property, to the date of the sales contract (not the date of settlement). This makes a difference, especially as we're early in this new financial year. We won't take you through all the ins and outs of CGT in a social media post, but be aware it's something you need to factor in when looking at expected ROI on your investment portfolio. Let us know if you'd like a recommendation for a good accountant. Learn more: https://www.olivetreefinance.com.au/

14.01.2022 Consider us your finance matchmakers. We start by understanding what you want and need, as far as your financial future is concerned. We scour the market and analyse thousands of loan options (we have smart systems in place to help us).... We then facilitate the application process, helping you put your best foot forward. We do all this so you don't have to.

08.01.2022 This is for all our first home buyers who are working hard to save for their deposit. You've got this And if you have credit cards, personal loans or car loans we can help you restructure this debt so you can get into your own home sooner. Ask us how.

08.01.2022 In an upside-down world at the moment; there is no better time than to check in on others on #RUOKDAY. SMS, phone, send someone a message; Start a conversation using 4 easy steps: 1. Are u ok? 2. Listen... 3. Encourage Action 4. Check-in Lifeline Australia: 13 11 14 Men'sLine Australia: 1300 78 99 78 Suicide Callback Service: 1300 659 467 Beyond Blue: 1300 22 4636

07.01.2022 As if keeping track of the property market wasn’t a full-time job in itself! When you buy a property, it’s more than just the advertised price you’ll need to factor into your plans. How much does it really cost to buy a home? | Read more on our blog: https://bit.ly/3kfW0dG

07.01.2022 We absolutely love that in 2020, personal finance is something that's discussed more openly. However, we know that for a lot of people, this is not an appealing topic of conversation! There are all kinds of attitudes to money, and all kinds of emotions surrounding it - from confidence, gratitude and optimism, to fear, shame and panic. Whatever your money mindset, it's worth taking a look at where you sit on the spectrum - it's the first step in taking charge of your fin...ances. It could be a matter of reading the right book, or speaking with a financial adviser who you really click with. Get in touch if you'd like our recommendations. See more

06.01.2022 Are you feeling like your debt is getting the better of you? If you've got credit cards and personal loans, it can seem like no matter what, you're barely chipping away at those debts. These kind of debts can sap your disposable income, and sidetrack your savings efforts - potentially putting the brakes on your plans to buy your own home.... We've been achieving some amazing results for clients by consolidating their debts. We're talking huge savings on interest, money back in their pocket, and paying down their debts faster. Why wouldn't you?

06.01.2022 APPARENTLY...the simple act of making your bed each day can be life changing The thinking is that this small, disciplined act can set off a chain reaction of other productive, proactive, Type-A behaviours. Are you a bed maker, or more of a ‘I’m only going to mess it up again tonight’ type?... Want to know another small, yet life-changing, act? Booking some time to talk finance: https://10to8.com/book/dzduvbosbrvbicdysn/

06.01.2022 It turns out that celebrating the little wins makes our day brighter and brings us closer to achieving our big goals. How? The serotonin released when we give ourselves a congratulatory high five (or a celebratory toast) helps us stay motivated and propels us to the next little win, and the next one...until finally: We've made it! What little wins are you celebrating right now on your way to that big goal?

06.01.2022 Here are 3 simple ways to make saving easier: Automate: Arrange an automatic split of your salary between your day-to-day transactional account and your savings accounts this could be an interest bearing account, managed fund, offset account or extra loan repayments where the money goes is less important than the discipline itself. Remove discretion: Automating takes choice out of our hands, which means that we are not consciously deciding each month how much to spend or ...save. Hide the other funds: Make sure your automatic saving happens on the day you get paid so you don't miss what you never saw. This is one of the great strengths of superannuation. We don't see our employers making contributions on our behalf and consequently we never miss the money. Over our working lives these contributions compound to produce financial security far greater than most of us could accumulate on our own.

06.01.2022 Did you know there’s more to applying for a home loan than simply getting approved? When we work together, we look at how the structure of the loan is going to support both your immediate and longer-term property investment strategy. We want you to end up with a loan you can live with!... Book a meeting: https://10to8.com/book/dzduvbosbrvbicdysn/

04.01.2022 Is it just us, or is everyone an expert oneverything these days? You won't see us doling out medical advice, but as finance experts, we’ll proudly put our hand up for people seeking finance-related advice. Now is an excellent time to get advice on your mortgages - the banks are more competitive than ever and there's huge opportunity to get a better deal.... Learn more: https://www.olivetreefinance.com.au/