FINANCEbynicky in Cranbourne West, Victoria | Mortgage brokers

FINANCEbynicky

Locality: Cranbourne West, Victoria

Phone: +61 401 394 532

Address: 9C Whitfield Boulevard 3977 Cranbourne West, VIC, Australia

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Likes: 353

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• Financial service
• Loan service
• Mortgage brokers
• Financial planner

25.01.2022 A common statement I hear is we just don’t understand all this bank jargo I get it and that’s why you have me! . My job is to understand your short and long term goals alongside your preferences . Preferences you say From a friendly conversation I can breakdown your desires by understanding your lifestyle... . This is a picture of my two cheeky little munchkins that confirm, sometimes you just need a leg up and someone to support you in achieving your goals See more

24.01.2022 Wanting to Make the Most of the EOFY Car Sales?? . It’s not too late to secure yourself a great End of Financial Year Deal . Please contact me ASAP and we can get you pre-approved and ready to go shopping with the negotiating power in your hands... . 0401 394 532 [email protected] See more

23.01.2022 When the pandemic first hit I was very concerned with the effects this would have on my clients and their ability to lend money . With so many changes to lending policies and the restrictions around travel it has been a little testing however receiving testimonials like the one below make it all worth the effort

23.01.2022 What Lender And Why?? . With so many lender available it’s hard to choose at face value which one is right for you but that’s why you have me . Essentially every lender is great for different reasons and it’s my mission to hear your needs and advise on what options are most suitable... . This week has been a missed bag of emotions with some lenders providing excellent service while others are seeing us experience delay after delay . I am popping my feet up for the long weekend to recharge but I will be hitting the ground running Tuesday morning advocating for my clients and ensuring they get the results they deserve See more

22.01.2022 It was 3:14pm on a Friday afternoon when I received that email. The one that I knew would change my clients lives forever . I may have screamed with joy at the top of my lungs before composing myself to ensure I had read the email correctly . Your loan has been approved! We had done it ... . There was many facets to this loan which meant I had to fight for our approval every step of the way . My clients were always deserving of approval, I just had to ensure the lender saw this also . - Finance By Nicky - I Fight For You - See more

22.01.2022 If you find yourself feeling financially overwhelmed in this moment, I beg you to please reach out to me . I can offer a friendly ear, some budgeting support or assist in your financial relief options . I am never more than a phone call away 0401 394 532

21.01.2022 There is simply no better way to start the morning than to open my emails and see this picture from my beautiful client . To some this may look like an unfinished house, to my client this was a dream come true! . But to me, this construction represents 6 month of application preparation, challenging credit policies and fighting for my clients to ensure their dreams came true by securing finance... . Its never just an application to me because I know its not just an application to you See more

21.01.2022 This makes my heart sing! . I love nothing more than helping a family move on to their next adventure . Choosing the right lender from the outset not only gave us a seemless approval process but one of the most competitive rates in the market, bring on their sunny new lifestyle

20.01.2022 School holidays hey, how that puts a spanner in the works . The truth is, I don’t know if this requires a happy emoji or sad, so let’s just go with the kooky crazy laugh . Let’s just say, I am surviving and my kids are really good at the game no one talks while mum is on the phone... . I actually used to be quite sensitive to the fact that I had young kids, labeling myself with the stereo type that I couldn’t be both . Thankfully I’m slowly kicking that! . Who else is finding the balance/ logistics of work and school holidays tough . Haha balance, good joke See more

20.01.2022 A common statement I hear is we just don’t understand all this bank jargo I get it and that’s why you have me! . My job is to understand your short and long term goals alongside your preferences . Preferences you say From a friendly conversation I can breakdown your desires by understanding your lifestyle... . This is a picture of my two cheeky little munchkins that confirm, sometimes you just need a leg up and someone to support you in achieving your goals See more

19.01.2022 It's quite often I get a call from a new client that starts like this . "We are in a pickle and I have been told you are the only person that can help us" . Now this pickle can be anything from short term employment, income, timelines, late payments & even property types. I love the challenge of them all!... . It all comes back to loving what I do and loving the moment I get to call that client and say we did it, your loan has been Formally Approved!!!!!! See more

16.01.2022 I captured this photo on the weekend before restrictions began and it makes my heart sing . I remember as our little family headed off for a Sunday adventure, one part of me was loving it but the other was thinking of all the things I needed to be doing at home (I wont be making that mistake again ) . Now to plan the next weekend adventure once our 5km radius is lifted, I would love your suggestions within Victoria

14.01.2022 Don't Get Stuck On A High Interest Rate!! . Now is the time to schedule your Home Loan review! . I have found many clients are paying interest rates that are greatly in excess of what the banks are offering new clients... . Let me find the savings for you! . Contact me today 0401 394 532 See more

11.01.2022 As your mortgage broker, I am here to give you the comfort and clarity you deserve in this uncertain time . Now is the time to get on the front foot and understand what options and support is available should you need it . Please feel free to tag family and friends who may be feeling a little overwhelmed and could benefit from knowing support is available ... . Please don’t hesitate to call 0401 394 532, I am here to help See more

10.01.2022 Hows working from home going for you?? I am very much still here supporting my clients through this uncertainty, just at a slightly delayed speed . As I continue to check in on all my clients the relief that I hear once they hear my voice is just beautiful... . We will get through this together See more

09.01.2022 Ways to improve your credit score! . If you find yourself with a below-average score never fear, there are ways to improve it . Things to do to get your number higher are:... Pay bills on time Pay down existing debt Don’t apply for new credit . What impacts your credit score? . We all have slip-ups from time to time and money can get tight. To avoid your credit score dropping you should try to avoid negative financial events include things like: Paying bills late Applying for new credit Running multiple credit checks See more

09.01.2022 FINANCIAL WELLNESS - A resource to help right now. The COVID-19 pandemic has had a significant impact on our everyday lives and many Australians are facing financial difficulties. I have included below a learning module developed by ME to help those who have been negatively affected financially by the COVID-19 pandemic.... The interactive financial wellness module is completely free to use and only takes 15 minutes to complete. It also includes some handy links to the MoneySmart budget planner.

07.01.2022 False: Late payments don’t matter . With the introduction of comprehensive credit reporting over the last 12 months, lenders can now see it all, the GOOD the BAD and the UGLY . Upon submission of a home loan application the lender will have access to a report which shows the characteristics of your borrowing behaviour over the previous years... . This report details a month to month repayment summary, explaining when a payment or missed payment has occurred and for how long . I know we have discussed what support is available for mortgages but I also what to highlight how important it is that you don’t fall behind in any other liabilities . If you find yourself with an inability to keep up with your repayments please reach out to the lender and ask to speak to their hardship department for assistance . I suggest you ask the following questions . -What relief is available -Will the relief result in a dishonour or missed payment -Will the relief offered have any additional associated costs overall Good luck and please remember that I am always here and only a phone call away

07.01.2022 Good News Story . As I called my client with some cheek in my voice I made the statement, I forgot to ask you one last question.....are you ready to celebrate?? We have UNCONDITIONAL APPROVAL I think both of us were nearly in tears . Let's rewind to get a little perspective, this wasn't your standard application, its almost as complex as it gets... . We are talking million dollar construction over two townhouses with multiple securities and applicants all of varying professions and tenure in employment . YEP, the assessor thought the same thing and declined our application not once but twice . But guess who didn't give up Let's just say the assessor and I were on first name basis and I challenged his every concern justifying why he should over turn his decline and grant approval . Next time you think finance, I want you to consider who you have on your team and ensure they are willing to fight for you See more

07.01.2022 We Made It . Thank you to all my beautiful clients this year Your support and overwhelming recommendations mean the absolute world to me . I will still be here for your Christmas emergencies however I am also looking forward to a couple of weeks away from my computer and submerged in my beautiful family... . I have scheduled my return for the 11th January and I have no doubt 2021 will be an exciting year for many purchasers with interest rates at a record low and stamp duty exemptions on offer . Wishing everyone a safe and Merry Christmas x See more

07.01.2022 Purchasing a new property can be a very stressful process if you skip the PROCESS and go straight to PURCHASING . Take the stress out of purchasing and ensure you get in touch with me as early as you can to save yourself the wasted weekends and heartache when you miss out on that dream property . It is a real estate agents job to understand the strength of your offer and nothing screams ACCEPT MY OFFER more than a pre-approval!!... . Register your interest for a 2021 appointment today by emailing me at [email protected] See more

06.01.2022 I apologies I have been a little MIA on here lately, the truth is I have been working on overload trying to keep up with the demand of some beautiful clients whilst battling the challenge of distant learning . The best way to describe lending at the moment is INTERESTING! Although it's a rough ride we must appreciate, here in Victoria we are in the middle of a declared State of Disaster and nothing is easy . Cash in the bank has never felt better and I encourage you to check ...your current interest rate and give me a call to discuss (0401 394 532) . I have no doubt at leaste 50% of you will be paying in excess of what you need to with your current lender! . Yes thats right, your current lender! . They are there to support you in this time of crisis and I would be more than happy to offer some advice on how to make this request for a reduction . We are all in this together See more

06.01.2022 Has the last 6 months made you reconsider your wish list when planning your next property purchase?? . With many employees forced to work remotely during the current restrictions, I am finding many of my clients are considering a slower paced lifestyle and moving out to regional areas where they will have the space to feel a little more disconnected from the hustle and bustle of metro melbourne.

06.01.2022 I captured this photo on the weekend before restrictions began and it makes my heart sing . I remember as our little family headed off for a Sunday adventure, one part of me was loving it but the other was thinking of all the things I needed to be doing at home (I wont be making that mistake again ) . Now to plan the next weekend adventure once our 5km radius is lifted, I would love your suggestions within Victoria

05.01.2022 "Fourth cut since June 2019" . As I brief myself on the recent rate cut correspondence I read a very bold statement published by TheAdvisor . "The Reserve Bank of Australia (RBA) has lowered the official cash rate by 25 bps from 0.75 per cent to 0.5 per cent marking the fourth cut since June 2019 when the easing cycle commenced"... . Now, what does this mean for you?? . With lenders passing on interest rate cuts at varying degrees now is the perfect time to access your interest rate and keep your lender accountable . It is too often that I meet with a client that is unaware of the savings available . Feel free to shoot me a message to find out more or call on 0401 394 532 . . . https://www.theadviser.com.au//40089-rba-slashes-cash-rate See more

04.01.2022 I am so blessed to receive such beautiful reviews from my clients . My mission is to provide an exceptional service whilst creating lifelong client relationships . This beautiful family now has a luxurious new pool where they will create many lifelong memories with their young family... . I am so honoured to have been able to make this possible See more

03.01.2022 I am spoilt to have Stacy Lindsay, the very talented Cookie and Cake Creator from Cakes on Bakewell Street make such special gifts for my clients . Head over to her facebook or instagram page to see all her amazing designs

03.01.2022 How is your relationship with money? Are you in CONTROL or CONTROLLED?? . It’s an interesting concept and one that has such a significant impact on ones lifestyle and sense of achievement. . I am a big advocate for spending on those items that make you happy but how often are you restricted for doing this simply because your unconsciously letting your cash flow out the back door and forever feeling strapped for cash??... . Today I challenge you to estimate your spending over the last 14 days and then do the dirty task of actually reviewing your account . Please share the variance between the estimated and actual. Experience tells me it’s not uncommon for the variance to be hundreds of dollars . Good luck and amazing effort! Conscious efforts have you one step closer to financial freedom See more

02.01.2022 WHY YOU NEED ME AS YOUR MORTGAGE BROKER - FUN FACT Did you know your borrowing capacity can significantly vary between each bank Don’t let the lack of comparison limit your possibilities!

01.01.2022 WHY YOU NEED ME AS YOUR MORTGAGE BROKER - FUN FACT Not only is it my job to save you money but my service does not cost you a cent!! . Let me give you an example, as your mortgage broker it’s my job to understand your circumstances and provide you with advice that is in YOUR BEST INTEREST. . Upon the settlement of your loan, the lender pays me a commission for my assistance in your finance journey... . The misconception is that you may pay a higher rate by going through a broker and this couldn’t be further from the truth. . In fact, not only do I have the ability to compare the rates in the market to ensure you are selecting the right product, I also have the ability to request discounts that are not on offer to the gentle public . If you are in the market for a new property or your current home loan is more than 2 years old it’s time to schedule your 2021 appointment on 0401 394 532. See more