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25.01.2022 Happy Father’s Day to all of the dads and fur baby dads! We hope you have a fantastic day

25.01.2022 *Buyers are surprisingly responsive to a rise in listings over May!* COVID-19 has brought about downside risks for the economy and housing market. A 0.3% decline in March GDP confirmed a technical recession is underway in Australia, total wages paid fell 5.4% between mid-March and early May, and Australian dwelling market values saw the first month-on-month decline since June 2019. But one surprising sign of stabilising emerged in May. Home sales have risen, with home owners ...testing the market, and new listings are rising. In fact, buyer demand is outweighing the volume of new listings. Read the full story here - https://www.corelogic.com.au//buyers-are-surprisingly-resp

25.01.2022 Bankwest updated rates as of TODAY the 4th June 2020 for owner occupied & P&I: Complete Fixed Home Loan Package ($395 Annual Fee) LVR 90% incl. LMI & Loan amount over $200k New Fixed rate of 2.24%... New Comparison rate of 3.57% Fixed Rate Home Loan LVR 90% incl. LMI | Min Loan amount $20k New Fixed rate of 2.44% New Comparison rate of 4.39% If you would like to discuss any of these rates please do not hesitate to contact me. Thank you This information is correct as of 4th June 2020 and are subject to change. Comparison rate warning: Comparison rate is calculated on the statutory assumption of $150,000 loan over 25 years but the minimum required loan amount is $200,000 for the Complete Home Loan Package. Different rates apply for different loan amounts and may depend on the duration of a fixed rate period or the ratio of the loan amount to the property value.

24.01.2022 Cash rate remains unchanged! The Reserve Bank of Australia (RBA) has decided to leave the cash rate unchanged at 0.25 per cent. Both the Federal Government and Reserve Bank have introduced measures over the last few months to help the economy through this challenging period. ... This support is likely to be needed for the foreseeable future, in order to assist with the economic recovery, as mentioned in Governor Philip Lowes official statement: The Board is committed to do what it can to support jobs, incomes and businesses and to make sure that Australia is well placed for the recovery. Its actions are keeping funding costs low and supporting the supply of credit to households and businesses. This accommodative approach will be maintained as long as it is required. The Board will not increase the cash rate target until progress is being made towards full employment and it is confident that inflation will be sustainably within the 23 per cent target band. With the cash rate the lowest its been in history, this is the ideal time to review your current loan. Speak to us today!

24.01.2022 What is an interest rate An interest rate is a fee that you are charged for borrowing money. If you borrow money for a house, car, boat or for a personal loan you will pay interest on it.... Also, if you have money put away in a savings account you can also earn interest on those savings. You are paying interest for the ability to use the banks money, so interest is an incentive for the bank to lend you money & a premium for the risk they take in lending to you. Charging interest is one of the ways lenders make their profit. A few types of interest rates: - Fixed interest rates - a fixed period for a fixed term - the repayment amount will remain the same for that term - Variable interest rates - the rate may vary of the loan term depending on the market. - Comparison rate - this is the rate for what you loan will really cost you. It takes into account the interest rate, fees and charges.

22.01.2022 Get home loan help without leaving your home or office . If its time you reviewed your home loan or just want to discuss your options I can help. We can talk to you over the phone, or meet with you virtually via video call or whatever works best for you.

22.01.2022 **EDIT** Such a huge response yesterday - so sorry to those who missed out, we are hoping to do more to help so stay tuned! Just goes to show how great the need... is in our lil Community! It’s been a devastating weekend for so many in our Greater Springfield Community and it will take a while to return to normal for a few locals. Driving around and seeing the damage first hand is heartbreaking and looks like something out of a movie! We know so many people are without cars and still without power so we’ve teamed up with Pizzeria La Prima - Greater Springfield Area to get some delicious hot pizza meals to those in need in the Greater Springfield area. We are looking to deliver up to x10 meals tonight (each consisting of 3 pizza's and a drink) between 5.30pm - 6.30pm. If this is you, or if you know someone who needs this, please drop us a message before 3pm so we can make this happen. #weareallinthistogether #loveourcommunity

22.01.2022 NEW OFFER FROM HERITAGE BANK Heritage Bank are offering cashback for First Home Buyers with LMI from 1st October. To be eligible for the cashback:... Must be a first home buyer and application submitted as such Application must be submitted by 31 October 2020 Loan must be funded by 28 February 2021 Minimum new home loan amount of $250,000 Available for Owner-Occupied & Investment lending Available on Discount Variable and Fixed Rate loans (including Home Advantage Package) Must open a Heritage transaction account to receive cashback This offer is also available for house & land loans, as long as the loan is partially drawn before the 28 February 2021 deadline and the total loan exceeds $250,000. Cashback will be paid directly into a Heritage transaction account under the same membership within 60 days of settlement. If you would like any information on this please do not hesitate to contact me. Thanks, Laura SMB

21.01.2022 WOW! Great new offer from St George - First Home Buyer Offer! Borrow up to 85% LVR and only pay $1 Lenders Mortgage Insurance fee. This will save first home buyers up to $13k in Lenders Mortgage Insurance fees... Contact me today for more information and eligibility. Thanks SMB

19.01.2022 !!Cash rate held at 0.25% !! At its meeting today, the Reserve Bank of Australia (RBA) decided to leave the cash rate unchanged at 0.25 per cent. One of the key drivers of this decision has been the ncertainty that the coronavirus brings to the economy, as highlighted by the recent spike in VIC. Despite this, the downturn is not as severe as earlier expected and a recovery is now underway in most of Australia, which Governor Philip Lowe indicated in his official statement...: The Banks mid-March package of support for the Australian economy is working as expected. There is a very high level of liquidity in the Australian financial system and borrowing rates are at historical lows. The Board is committed to do what it can to support jobs, incomes and businesses in Australia. Its actions are keeping funding costs low and assisting with the supply of credit to households and businesses. This accommodative approach will be maintained as long as it is required. With the cash rate the lowest its been in history, this is the ideal time to review your current loan. Speak to us today!

18.01.2022 Property Updates relating to May 2020 According to the CoreLogic Home Value Index results for May, Australian dwelling values posted their first month-on-month decline since June last year. The national index was down 0.4% over the month, with five of the eight capital city regions recording a fall in values. To read more go to the following link:... https://www.corelogic.com.au//housing-values-edge-lower-ma Thanks, Laura Your Personal Broker

17.01.2022 June 2020 Cash rate held at a record low of 0.25% It came as no surprise today when the Reserve Bank of Australia (RBA) decided to leave the cash rate unchanged at 0.25 per cent. The Australian economy is going through a difficult period however the RBA remains optimistic about our recovery as restrictions begin to ease and consumer spending picks up. ... RBA Governor Philip Lowe had this to say in his official statement: The Board is committed to do what it can to support jobs, incomes and businesses and to make sure that Australia is well placed for the recovery. Its actions are keeping funding costs low and supporting the supply of credit to households and businesses. This accommodative approach will be maintained as long as it is required. The Board will not increase the cash rate target until progress is being made towards full employment and it is confident that inflation will be sustainably within the 23 per cent target band. The low funding costs are ideal for anyone looking to get a better deal on their existing home loan, as lenders continue to drop their rates to record lows. Banks have also implemented a raft of policies to help support those doing it tough during this time. If you have a question about your existing home loan, or are looking for a new loan, speak to us today!

16.01.2022 'HomeBuilder' UPDATE - additional information has been provided about the new 'HomeBuilder' Grant by The Treasury. https://treasury.gov.au/coronavirus/homebuilder

16.01.2022 SUBURB PROFILE REPORT Ever wondered how many properties in your suburb have been listed for sale, sold and the average price for properties within your suburb? Contact me today for your free Suburb Statistics Report

15.01.2022 Contact me today about the Coronavirus Small & Medium Business - Guarantee Scheme (covering sole traders & not-for-profit) For the Unsecured business loan program - Business Care Key elements of this special funding are: - Rate of 4.95% for loan terms of up to 3 years... - A business that is still trading - Business needs to be trading for 2 years - 2018 financials and 2019 draft accepted - No repayments for the first six months with interest capitalised - No prepayment costs with the ability to redraw - Available for businesses with an annual turnover under $50 million - Funding for working capital purposes only (no refinancing of debts, can be used to pay for rent, staff etc) - ABN required - The loan to be approved and unconditional by 30 September 2020 - Borrowers have a limit of $250,000 under this program Contact me today on 0411141174 or [email protected]

15.01.2022 CASHBACK - Thinking of Refinancing your existing Home Loan ? Look at the current offers available today: Westpac - are offering $2,000 cash back for every property refinanced - min loan amount $250k per property. ... Application to be submitted before 29th May & settled by 31st July. (Excludes refi from within the WPC group or I/O loans) St George - are offering $2,000 cash back for every property refinanced - min loan amount $250k per property. Application to be submitted before 29th May & settled by 31st July. (Excludes refi from within the WPC group or I/O loans) ANZ - currently have 2 offers: $1,200 cashback for any home loan refinance between $150,000 to $250,000. $4,000 cashback for any home loan refinance between $250,000+. Applications must be submitted by 31st May and settled by 30th September. Suncorp - currently have 2 offers: $2,000 cashback for any home loan refinance between $250,000 to $749,999 & below 90% LVR. $3,000 cash back for any refinance home loan $750,000+ and below 90% LVR. Applications to be submitted by 10th July and settled by 10th November 2020. With all of these cashback offers there are conditions involved with each lender. If you would like to discuss further, please contact me.

14.01.2022 **Home Insurance ** Most people are not aware but when you sign a contract to purchase a property in QLD you are liable for that property. From 5pm on the next business day after the contract date you are responsible for that property. ... You must decide for yourself whether to take out home insurance. However, not having home insurance is very risky. Home insurance will cover you for loss or damages to the building and its fixtures. You should also consider taking out contents insurance. Note - before your home loan will settle the bank will require a copy of this home insurance certificate with that lenders name as the mortgagee before settling. If you contact Allianz Insurance on 1300 367 904 Quoting my broker code FS17953 you qualify for free building insurance for up to 90 days until your home loan settles plus you can pay your premium monthly at no extra cost. If you have any queries please do not hesitate to contact me.

14.01.2022 UPDATED CASHBACK FOR JUNE 2020- Thinking of Refinancing your existing Home Loan ? Look at the current offers available today: Westpac - are offering $2,000 cash back for every property refinanced - min loan amount $250k per property. Application to be submitted before 31/07 & settled by 30/09. (Excludes refi from within the WPC group or I/O loans)... St George - are offering $2,000 cash back for every property refinanced - min loan amount $250k per property. Application to be submitted before 31/07 & settled by 30/09. (Excludes refi from within the WPC group or I/O loans) ANZ - currently have 2 offers: $1,200 cashback for any home loan refinance between $150,000 to $250,000. $3,000 cashback for any home loan refinance between $250,000+. Applications must be submitted by 31/08 & settled by 30/11/2020. Suncorp - currently have 2 offers: $2,000 cashback for any home loan refinance between $250,000 to $749,999 & below 90% LVR. $3,000 cash back for any refinance home loan $750,000+ and below 90% LVR. Applications to be submitted by 10/07 & settled by 10/11/20. **With all of these cashback offers there are conditions involved with each lender. If you would like to discuss further, please contact me. Thanks, Laura

13.01.2022 **SPECIAL OFFER** for all She's My Broker clients in conjunction Altitude Conveyancing** Contact Altitude Conveyancing today!! Highly Recommend!

12.01.2022 NEW HOMEBUILDER GRANT HomeBuilder will provide eligible owner-occupiers (including first home buyers) with a grant of $25,000 to build a new home or substantially renovate an existing home where the contract is signed between 4 June 2020 and 31 December 2020. Construction must commence within three months of the contract date. HomeBuilder will complement existing First Home Owner Grant programs & stamp duty concessions.... To access HomeBuilder, owner-occupiers must meet the following eligibility criteria: You are a natural person (not a company or trust) aged 18 years or older You are an Australian citizen; Meet one of the following two income caps: $125,000 per annum for an individual applicant based on your 2018-19 tax return or later; or $200,000 per annum for a couple based on both 2018-19 tax returns or later ; Enter into a building contract between 4 June 2020 and 31 December 2020 to either: build a new home as a principal place of residence, where the property value does not exceed $750,000; or substantially renovate your existing home as a principal place of residence, where the renovation contract is between $150,000 and $750,000, and where the value of your existing property does not exceed $1.5 million; Construction must commence within three months of the contract date. If you have any questions about this new scheme please do not hesitate to contact me . Thanks To review the FAQ - https://treasury.gov.au//HomeBuilder_Frequently_asked_ques

12.01.2022 The Auction Clearance Rate Jumped With The Return Of On-Site Auctions But Does This Mean A Recovery Has Started?? The week ending 10th of May delivered a final auction clearance rate of 59.9%. This has jumped from a clearance rate of 47.5% in the previous week and a recent low of just 30.2% only four weeks ago. It is the highest clearance rate result since the week ending March 15, before the strictest social distancing measures were rolled out across Australia. Howe...ver, the number of auctions held last week was almost 80% lower. Read the rest of the article here - https://www.corelogic.com.au//auction-clearance-rate-jumpe

11.01.2022 COVID-19 changed your circumstances? If so, what could this mean for your home loan?

10.01.2022 First Home Loan Deposit Scheme - Places available 1st July! From 1st July, the banks will be providing access to 10,000 scheme places Australia wide. A number of banks have already started their wait list! If you are eligible for this scheme and are wanting to reserve your spot ACT NOW!... For all Scheme places reserved from 1 July 2020, you will need to provide a copy of your Notice of Assessment from the Australian Taxation Office for the 2019-20 financial year. Go to this link to for more information and to confirm if you are eligible - https://www.nhfic.gov.au/what-we-do/fhlds/

10.01.2022 I would like to wish all mothers & fur baby mothers a very special Mothers Day!

09.01.2022 An interesting article posted by Altitude Conveyancing regarding Stamp Duty - worth a read!

09.01.2022 A few pics from the Women in Finsure - Warrior Within event

07.01.2022 Happy Fathers Day to all of the dads and fur baby dads! We hope you have a fantastic day

06.01.2022 **Interesting**.....Housing Values Decline For A Second Consecutive Month In June, As Turnover Recovers From The April Low. Following a 0.4% decline in May, the CoreLogic Home Value Index recorded a second consecutive month of falls, with the national index down 0.7% in June. Each of the five largest capital cities recorded a decline in home values over the month, ranging from a drop of 1.1% in Melbourne and Perth to 0.2% in Adelaide. The indices for Hobart, Canberra and Darwin each recorded a subtle rise in values over the month. Read the full article here......

06.01.2022 **What is a FHOG and do I qualify?** FHOG is the First Homeowners Grant which is a government initiative to help first home buyers get into their first house sooner. The grant amount is $15,000 in Queensland.... You can apply for the grant if the following apply: - You must be over 18 years of age - You must be an Australian Citizen or Permanent Resident - You or your spouse must not have previously owned property in Australia that you lived in. - You must be buying or building a brand new home. - The value of the home including the land is less than $750,000. - You must move into the new home as your principal place of residence within 1 year of the completed transaction and live there continuously for 6 months If you would like any further information about what is available to you or if you are eligible, don't hesitate to contact me . Thanks, Laura

06.01.2022 The Reserve Bank has held the official cash rate at 0.25 per cent In the official statement released today, the RBA spoke of the measures theyve introduced to support the economy and Australians. Governor Philip Lowe had this to say: We are committed to supporting peoples incomes, maintaining the important connections between businesses and their employees, underpinning the supply of credit to businesses and households, and keeping borrowing costs low. The deferral of ...loan and other payments is helping people manage their cash flows. The RBA will maintain its efforts to keep funding costs low in Australia and credit available to households and businesses. The Board is committed to do what it can to support jobs, incomes and businesses during this difficult period and to make sure that Australia is well placed for the expected recovery. The record low cash rate has been prompting mortgage holders to refinance and take advantage of the lowest home loan rates on offer in decades. If you are looking to refinance or need financial support during this time, speak to us about your options today!

03.01.2022 I received a lovely gift from some very happy first home buyers today!

03.01.2022 Only 4 weeks left until EOFY ! The government's changes to the Instant Asset Tax Write-Off - which lifted the threshold amount for claimable purchases to $150,000 from the previous $30,000 - will end on June 30, 2020*. Upgrading your business assets now means that you can reduce your taxable income, and your tax payable, in the financial year that you bought and installed them.... The threshold is calculated per asset valued under $150,000 making it possible to instantly write off multiple assets such as: - Work vehicles - Tradie tools and machinery - IT hardware (desktop computers, printers, photocopiers) - Office, studio and shop furniture and fittings - Equipment storage (sheds and storage containers) - Kitchen equipment - Signage - Air conditioners Its worth checking if the business assets youre eyeing are eligible, to find out more conact me on 0411141174 or email [email protected]

03.01.2022 NEW OFFER FROM ME BANK: From 28th September ME Bank are offering First Home Buyers 25% off the Lender Mortgage Insurance premium through Genworth. LVR to be above 80% & less than 95% to be eligible. As a First Home Buyer, you are also being offering discounted variable interest rates with a Flexible Home loan.... Contact me today if you would like more information. Thanks, Laura - SMB

02.01.2022 Hi everyone, a local electrical company is going to be around the Greater Springfield area today removing solar panels and offering their services where possible. Please see the information below: Stay safe, Laura

02.01.2022 **LOWEST CASH RATE IN HISTORY** WOW!!The Reserve Bank of Australia (RBA) has cut the official cash rate from 0.25 per cent to a new record low of 0.10 per cent. This reduction, along with other monetary measures, are needed to assist with the economic recovery, as mentioned in Governor Philip Lowe’s official statement:... The combination of the RBA’s bond purchases and lower interest rates across the yield curve will assist the recovery by: lowering financing costs for borrowers; contributing to a lower exchange rate than otherwise; and supporting asset prices and balance sheets. At the same time, the RBA’s Term Funding Facility is contributing to low funding costs and supporting the supply of credit to the economy. Given the outlook for both employment and inflation, monetary and fiscal support will be required for some time. For its part, the Board will not increase the cash rate until actual inflation is sustainably within the 2 to 3 per cent target range. A number of lenders have already moved in anticipation of the rate reduction meaning now is the ideal time to review your current loan. Contact me today for your free no obligation rate review . Laura SMB

01.01.2022 TOP CURRENT RATES FOR OWNER OCCUPIED PURCHASES AND REFINANCES UP TO 80% LVR: Top 3 Best Available Variable Home Loan rates: 1.) 2.64% p.a & 2.66% p.a Comparison rate with $2,000 refinance cashback 2.) 2.65% p.a & 2.65% p.a Comparison rate ... 3.) 2.73% p.a % 2.80% p.a comparison rate - with 100% offset account **All rates based on 80% LVR & Owner Occupied** Top 3 Best Available Fixed Home Loan rates for 2 years: 1.) 2.19% p.a & 3.67% p.a Comparison rate 2.) 2.24% p.a & 3.89% p.a Comparison rate 3.) 2.24% p.a & 3.79% p.a Comparison rate with $2,000 refinance cashback **All rates based on 80% LVR & Owner Occupied** Top 3 Best Available Fixed Home Loan rates for 3 years: 1.) 2.24% p.a & 3.79% p.a Comparison rate with $2,000 refinance cashback 2.) 2.29% p.a & 2.66% p.a Comparison rate with 100% offset 3.) 2.29% p.a & 3.87% p.a Comparison rate **All rates based on 80% LVR & Owner Occupied** If you have any queries or would like to discuss any of these rates further please, do not hesitate to contact me. Thanks, Laura

01.01.2022 DONT MISS OUT! Look at these great lots available in Ashmore that have just hit the market