Fiona Dempsey Smartline Mortgage Broker in Subiaco, Western Australia | Local service

Fiona Dempsey Smartline Mortgage Broker

Locality: Subiaco, Western Australia

Phone: +61 8 9381 9766

Address: Suite 5, 245 Churchill Avenue 6008 Subiaco, WA, Australia

Website: www.smartline.com.au/consultantpages/fdempsey/home.html

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25.01.2022 The RBA has announced that the cash rate will remain on hold at the historically low rate of 0.25%. If you have any questions about your home loan interest rate or the changes in the market, please feel free to give me a call. ow.ly/5NSY102ieEg

24.01.2022 RBA has just announced a historic rate cut! The cash rate has reached a new record low of 0.10%. Find out what this means for you if you have an existing home loan and also what it could mean for you if you're a first home buyer. ow.ly/bQFQ102r2mw

24.01.2022 Why speak to one lender when you can have access to many! As a Smartline Adviser, I have access to multiple lenders and can compare loan options from a wide range of Australias leading banks, credit unions, building societies and other lenders all in minutes. If you're interested in finding out more, please give me a call. ow.ly/evwW102fQ1P

24.01.2022 How is the new housing industry faring amid COVID-19? Camero Kusher, Executive Manager Economic Research at realestate. com. au , outlines the number of commencements and completions of new housing. ow.ly/Z6Ur102jnpV

23.01.2022 It's been the most unexpected year for all of us but as we end the year it allows us to close this chapter and open a new one. I hope everyone has a wonderful night with their loved ones. Let's look forward to (hopefully) a more settled 2021.

22.01.2022 The federal government will reissue around 1800 unused guarantees from the first round of its First Home Loan Deposit Scheme. Under the scheme, eligible first home buyers only require a five per cent deposit, with the government becoming a guarantor on the loan. Usually, first home buyers with a deposit less than 20% need to pay lenders mortgage insurance. To be eligible, applicants must earn under $125,000 for a single applicant, or $200,000 for couples, with price caps on property values in each state. The second round of the scheme applies to new properties only. If you'd like to find out more, please give me a call.

21.01.2022 Merry Christmas to everyone. Thank you for all of your support throughout the year. I hope you have a wonderful day with your loved ones.

20.01.2022 Tax time is a great time to think about setting up a budget. Why not try our budget planner to manage your finances. ow.ly/zjsk102h9hy

19.01.2022 There are a few strategies you can explore to pay off your mortgage sooner; one is reviewing your home loan to see if you can potentially save money. There are many competitive rates out in the market at the moment, so if you'd like to find out more or discuss what they are, I'm free for a chat.

19.01.2022 The health of your home loan is extremely important. Regularly reviewing your home loan will ensure you're not paying too much. If you would like to make sure you kick off this financial year on the right foot, give me a call to discuss your options.

19.01.2022 I work solely for you, not the lenders. So, whether you're looking for a loan for your first home, a new home, an investment property, business financing or would like to refinance, I'll use my knowledge, experience and personal service to find a loan for you. Give me a call if you're in the market for a loan.

18.01.2022 There are many benefits of using a Smartline mortgage adviser, here are just a few: 1. I value your business and will treat you like a person, not just a loan number. 2. I will provide expert advice based on your situation. 3. I have access to smart technology ... 4. You will have a trusted person in your corner With tax time nearly upon us, it's the perfect time to review your home loan. If you'd like some assistance with this, I can help. Give me a call.

18.01.2022 Having your finance ready before you go car hunting means you have greater negotiating power. I can assist with car finance and even offer a car buying service. If you'd like to find out more, feel free to give me a call.

18.01.2022 Meeting at a time and place that suits you (or even organising a virtual meeting), comparing loans & lenders, liaising with the lenders and doing the legwork for you, are just a few of the benefits of working with a Smartliine Adviser. If you're looking for smarter mortgage advice, let's have a chat.

17.01.2022 Win $10k off your mortgage* To enter, all you have to do is take out or top up an eligible home loan through a Smartline Adviser between 1 February to 30 June 2021 and you’ll automatically go into the draw to win one of three $10K prizes*. *T&Cs apply, see ow.ly/A4nC102y5EB. Open to AU res 18+. Limit 1 entry p/loan. Draw: 12pm (noon) AEST 14/7/21 at L4/ 152 Elizabeth St, Melbourne VIC 3000. Winners published at ow.ly/nNeV102zhKX on 20/7/21. Promoter: Smartline Home Loans Pty Ltd (ABN 38 085 370 270) of 511 Church Street Richmond VIC 3121. NSW TP/00674 ACT TP21/00006 SA T21/8. Credit Licence Number 385325.

17.01.2022 For those of you celebrating, I'd like to wish you a Happy Diwali. May the happiness that this season brings brighten your life, bring you luck and fulfill all your dreams.

17.01.2022 2020 was an interesting year with so many changes; here’s a recap of where we have landed at the end of 2020 and it’s all pretty good news! ow.ly/L6qH102wbDg

15.01.2022 Building a new home can be both exciting and stressful, all at the same time. If you're looking to build a new home, I can assist and provide guidance at every step of the way. I can even help you find out if you're eligible for the HomeBuilder Scheme. If you'd like to talk about your financing options, please give me a call.

15.01.2022 Now that the COVID-19 restrictions have been in place for over 2 months, Nerida Conisbee - Chief Economist for REA Group, provides her latest property market update. ow.ly/aRve102gksZ

15.01.2022 New financial year - New budget! It could be a great time to check in or set up a budget to make sure you're all on track for the rest of the year. Our budget planner can help you set up a budget that works for you. ow.ly/zjsk102h9hy

15.01.2022 Consumer confidence in the housing market continues to climb. With rock-bottom interest rates unlikely to move in the near future, and the banks and Federal Government pushing to ease borrowing restrictions by February next year, mean it has never been a better time to borrow to buy a home. However, is this combination in an ease of borrowing and increase in house prices setting us up for a potential financial fall? ow.ly/4952102q7II

15.01.2022 There are so many lenders offering different types of loans, so when it comes to choosing the right one for you, it can be a very daunting process. My job is simple - making sure my clients get a loan suited to their situation. With access to over 30 lenders, I can review hundreds of loans for you in minutes. Let's have a chat to see how I can simplify the process for you.

14.01.2022 It can be a long road to settlement - investigating loans, negotiating, doing paperwork, overcoming hurdles - especially if you DIY. I have the expertise to secure you the home loan that works for you so you can move into your dream home sooner. If you want to take out the stress of securing a home, give me a call.

14.01.2022 Today is R U OK? day. 2020 has been a challenging year for everyone and circumstances have made it even more important for us all to stay connected. By knowing what to say you can help someone feel supported and access appropriate help long before theyre in crisis, which can make a really positive difference to their life. Find out more here - ow.ly/x9mb102m59l

14.01.2022 Concerns of an overheating housing market has not stopped the RBA from leaving the official cash rate unchanged at a record low of 0.1% at its first board meeting of the year. Even as the economy continues to bounce back faster than expected, RBA Governor Philip Lowe has remained firm that interest rates will remain near zero for years to aid the recovery. So what does this mean for home owners and your mortgage? Find out here. ow.ly/jUS4102y676

14.01.2022 As we all get ready for the Christmas break I would like to let everyone know that I will still be available for your home loan needs over the Christmas/New Year break. Please reach out if you need help with anything.

13.01.2022 Spring forward with your property goals - are you thinking about updating something around the house, want to make sure you're on a competitive rate or thinking about a complete overhaul of your place? Whatever your goal, I can assist. Give me a call so we can discuss your future and how to get ahead.

13.01.2022 Now that Christmas is done and dusted, it might be a good time to think about setting up a savings plan in preparation for next year. Our savings plan calculator can help out with that. ow.ly/ZX7B102vHqe

12.01.2022 The HomeBuilder Scheme has boosted the construction market, however it is currently only available until the end of the year. So what happens after the scheme ends? Cameron Kusher, Executive Manager Economic Research from REA Group, explains what we need to be aware of next year. ow.ly/SzHy102jWgM

12.01.2022 Now that your spring cleaning is done, maybe it's time to spring clean your finances too. Reviewing your loan you could potentially save money. If you'd like to have a chat about how I can help, give me a call.

12.01.2022 Tax time is around the corner and things have drastically changed, now that so many people are working from home, due to the pandemic. It's a good time to get your finances in order to make sure you're ready to claim everything correctly. If you'd like to organise your finances, I can assist. Give me a call to discuss.

12.01.2022 The process of securing a home loan is becoming more difficult and time consuming. If you would like someone to take the stress out of securing a loan for you, I'd love to help. Give me a call so we can discuss your unique situation.

10.01.2022 Its quite common to accumulate a number of loans, particularly as you move through different stages of your life. Refinancing debts and consolidating them into one loan can be a great way to save money and get back in control of your finances. Find out more here. ow.ly/opH7102kybQ

10.01.2022 The cash rate was reduced to a record low of 0.10%, so what does this mean for the property market? Sam Boer, Smartline CEO, provides his latest update and some great tips about what to be aware of during this time. ow.ly/1ISE102rimG

09.01.2022 Good news for businesses - the Instant Asset Write-Off scheme has been extended to the end of the year! There's still time to buy your new work ute and power tools. Contact me today for more information.

09.01.2022 Are you thinking of building your dream home? Or renovating your existing home? I can assist with securing the finance for you, or find out if you're eligible for the HomeBuilder Scheme, so you can focus on building your dream home. Give me a call if you'd like to have a chat.

08.01.2022 Happy Father's Day to all of the amazing Dads out there!

08.01.2022 Whether you're saving for your first home or want to save to get ahead, here are some helpful tips to fast track your deposit or make sure you have some extra money saved for a rainy day.

07.01.2022 With loan applications coming in thick and fast, many lenders are struggling to keep up with demand. Some borrowers are having to wait two months for their approval. On top of this, the property market is heating up in a big way, making this a very difficult combination. Buyers who can’t get their loan approved fast enough simply can’t be competitive in this market and will miss out. If you're in this position and need assistance with your home loan, please reach out.

06.01.2022 Wed like to thank all of the unsung individuals, charities or organisations in our community who are out there doing incredible things - because not all heroes wear capes. Head over to our website and nominate your local hero for their chance to win $5k. Nominate now: ow.ly/pBtH102gWen ... Nominations close 31.07.20. Winners announced 31.08.20. Open to AUS residents only 18+. Total prize pool $25k (5 x $5k cash prizes). Terms and conditions apply.

06.01.2022 When you're starting the process of buying a house, it's hard enough trying to find a property, let alone secure a loan too. And then throw in the mix first home buyer grants and schemes - there is so much to be aware of. The good news is, I can help simplify all of that for you, find out what you're eligible for and help you through the entire process. If you'd like to make buying your first home easier, give me a call.

06.01.2022 Building or renovating is a great way to create your dream home, but there is a lot to think about. If you're considering some home improvements over the holiday season and need to understand your finance options, give me a call to discuss.

05.01.2022 When youre making hugely important financial decisions you need smart, up-to-date advice you can rely on. I have a wealth of knowledge to ensure you secure a home loan that suits your needs. I pride myself of providing a personalised service that helps you achieve your personal goals. Let's have a chat about how I can assist you.

05.01.2022 Are you looking to capitalise on the EOFY car sales? I can assist with securing a great rate on your car finance so you don't end up paying too much. I also have access to a car buying service which means you choose the car and we'll do the rest - find a great price for the car, secure the finance and even deliver it to your front door with a full tank of petrol. If you'd like to find out more, please get in touch.

04.01.2022 As your Smartline adviser I aim to reduce the stress of securing a loan, provide expert advice, compare lenders and manage any roadblocks that may arise so you can be confident you have a loan that is suitable for your situation. If you'd like to know if I can assist you with your unique situation, give me a call. I'd love to have a chat.

04.01.2022 Thinking about buying your first home? Here is a snapshot of the home loan application process. I can take you through the home loan process, step by step, helping you get into your dream home sooner. ow.ly/9JZf102lTOW

04.01.2022 The Reserve Bank of Australia has announced that in its Board meeting today, it has decided to keep the cash rate unchanged at 0.25%. You can read the full statement by Philip Lowe (RBA Governor) on the decision here. ow.ly/sqED102lviF

03.01.2022 The current housing market conditions can at best be described as uncertain. While data does show a moderate decline in property prices, it also shows that the number of vendors willing to sell (new listings) has been increasing, transaction volumes have lifted and enquiries to new-home builders and sales offices at new housing estates have increased. Find out what Cameron Kusher, Executive Manager Economic Research at REA Group, has to say about the latest property data. ow.ly/DHrD102l7rZ

03.01.2022 While the property industry has taken a hit during the pandemic, there are six ways it could act as a secret weapon to help boost economic recovery post-COVID-19. ow.ly/Ivtj102gyWb

02.01.2022 Find out what the five key trends in the property market are as lockdown 2.0 puts industry on edge. ow.ly/lZd3102j6QN

01.01.2022 Planning ahead can help ease the stress when unforeseen circumstances arise. Strategies like: building a buffer, sticking to a budget or consolidating debt are all ways you can make sure there is some money put away for a rainy day.

01.01.2022 Buying property is exciting. Trying to find and arrange the loan you need on your own, not so much. The home loan process can be complex, frustrating and time-consuming, however, I can take care of the home loan process so why not take advantage of our knowledge and experience to save yourself time, stress and money.