First Home buyers Geelong in Lara, Victoria | Mortgage brokers

First Home buyers Geelong

Locality: Lara, Victoria

Phone: +61 415 913 598

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25.01.2022 Do you have defaults but still want to build a home? We can help! Message us to find out how!

25.01.2022 Why go to a broker instead of a bank? A broker will help you shop between many different lenders to see which loan is most suitable for you! We know that banks are not all the same when it comes to customer service, fees and other services. It is not just about interest rate although that is important too. Most importantly we keep in touch!

25.01.2022 Its not too late......I still have lenders offering great rates but you will have to get in quick!! Message me for an appointment!

22.01.2022 Why come to a broker rather than directly to a bank? Its all about making an informed decision, getting the best deal you can on interest rates, fees and services and having the ability to compare loans according to both your needs and your wants. A broker is required by ASIC to give you certain documents and to take steps to ensure that you can afford the repayments and that the loan meets your needs. A broker takes the time to get to know you and your situation. You will not get better rates by going directly into a bank nor will they tell you that a competitor has a better rate and they certainly wont help you with ideas to pay it off sooner. They are experts in their loans only.

22.01.2022 New financial year and with it brings some great new help for first home buyers. ZERO stamp duty! This alone will save about $13000 on purchasing an established property. Another benefit if you are building a new home is $20 000 grant in regional areas like Geelong! How awesome is that! This means less deposit to save. Message us today to find out just what you need to get started!

22.01.2022 When it comes to paying off your mortgage faster, its lots of little things that can add up to big things. Example, you get your insurance renewal, instead of just paying it, ring around and get a better deal. Lets say you save $40 a month....add that saving to your home loan repayment instead of spending. This $40 per month extra would take 1 year and 7 months off your loan and save over $13000 in interest on a $300 000 loan at 4.19%. Message us for more ways to save!

21.01.2022 With announcements this week by NAB and Westpac of interest rate rises, message us today to take advantage of fixed rate loans before they all go up. We still have some great low rate loans.

20.01.2022 Message us to find out more! Happy to help!

19.01.2022 Have a look at your most recent loan statement? Most people dont look at it and if asked do not know what interest rate or fees their bank is charging. They are more likely to shop around for a good price on a fridge than they are a home loan and it is costing them greatly every single year. If you could save money every single month on your home loan what would you do with the extra funds? Sometimes banks do not pass on savings to old customers that they do to new ones....Situations change which can affect the interest rate you pay for example the amount of equity in your property, your visa status, your credit report, or employment. Message us for a quick loan health checkup....obligation free. A quick 5 minute conversation could save you thousands.

18.01.2022 I love to travel! One of the best ways to save for holidays is to increase your loan repayments. If you dont see the money in your bank account, you are less likely to spend it on stuff. A $20 increase per week on repayments means by the end of the year you would have $1040 tucked safely away. Free redraw facilities are awesome to save cash for those bigger purchases.

17.01.2022 Makes it so much easier for all first home buyers. In the past this cost would have had to be added to your deposit so on a $300 000 house, the very minimum you would have needed to have saved was around $21 000, depending on the bank and Loan mortgage insurance. Now $15000 will do it again depending on the bank LMI capitilisation policy. What a bonus for young people trying to make their way into the property market. (some banks allow LMI premium to be fully capitalised, others only allow up to 97% of the value of the property and you need to have the rest)

16.01.2022 Sometimes when looking for a block of land you have to wait months and months for it to be titled. Ask at the land office if they have any blocks from previous releases that are available. Sometimes blocks come back on the market and they can be a little cheaper.

16.01.2022 Looking to buy but not enough deposit? We have options for you. Message us for a time to chat.

16.01.2022 Ahh the weekend at last! Settling in for a rum and coke and watching the footy. Mixed bag of supporter with me....a little confused. Barracked for Essendon for most of my life, but lliving in Geelong you have to have a soft spot......and then my cousin plays for the Bulldogs. Oh well, I may as well own 3 scarves. Go the Doggies tonight!

15.01.2022 Been looking at all the new estates around Geelong....especially around Lara. Amazing how quickly our town is growing. Lara is just 45 minutes to the CBD of Melbourne by train which opens up so many job opportunities and doesnt have the issues that other places have getting to the highway either.

15.01.2022 Give me a call......I can help you get through the maze

14.01.2022 Helped a young couple with the purchase of their first property. The problem they had was they couldnt borrow enough for the area they really want to live. Solution-purchase a property where they could afford and use the tax savings from negative gearing to subsidise rent where they want to live.

14.01.2022 Things to look out for when buying a block of land- Beware of the odd shaped block. Have a look at the sort of house you would like to build online. Generally, in the specifications it will have the length of the house and the width. There is no point in buying a triangle block which does not fit the house you want to build, even if the land size is larger, the usable area may not be big enough. Another thing to look out for is cheaper blocks close to power lines. It is harder to get finance and you will need a larger deposit for these blocks...and who wants to live under power lines anyway. Be aware of any covenants (conditions) in your land contract. It may have minimum size requirements, or a limited number of styles, or a landscaping rule....Most of all....look at where you want to live and why.

14.01.2022 Are you a saver or a spender? A great way to save money is to make regular extra repayments on your home loan. Free redraw facilities are a great benefit. Most loans today have redraw so you can save within your home loan and then withdraw when you need to.

13.01.2022 How much does it cost to refinance your home loan? Our services cost you nothing as we are paid by the bankS. Application fees for the different banks vary. Right now, some are even offering you cash back. Now is a great time to reassess your home loan and how much interest you are paying. We could save you THOUSANDS! Message us today for an obligation free assessment.

12.01.2022 BUILD NEW $20,000 GRANT

12.01.2022 Planning on buying a home this year? Looking at how you can accumulate enough deposit? How much is enough? What can you afford to borrow? Give us a call today....we can help with a savings plan to get you going! We even have a phone app on android and itunes....free!

12.01.2022 Dont we all wish we had a money tree? Banks are not money trees.....we have to pay it back sometime! The aim is to get it paid back as soon as you can and be free. Banks are getting more prudent with borrowing. Their rules are changing all the time so a preapproval done 6 months ago may not be renewed with todays new rules. This is leaving young people in limbo land where they have put down the deposit for land and building but then banks are refusing to honor the preappr...oval. Scary! So what can you do about it? Make sure that you dont go to the maximum of your capacity. You need that wriggle room that if the rules change again, you can still get your loan. It also allows for extra payments into your loan, paying it off faster if you dont borrow the maximum. Life is about strategy...planning ahead and we can help you plan your finance needs ahead. We call ourselves Finance Strategists for a reason! Message us today See more

11.01.2022 Ah Coffee......we are so spoilt in Melbourne and Geelong for our coffee. We truly have the best coffee in the world! I went to Italy a couple of years ago and drank so many not so good coffees. I hit one cafe on Capri and it was the best I had for the whole trip. When I got to the counter to ask for a refill, guess where the Barista did his training and got his coffee from? MELBOURNE!

10.01.2022 We have some great options for first home buyers, especially in regional areas. If you are just starting out on the journey, looking at what you can afford or already on the road, message us to find out what your options are! Stay away from the builders brokers as you may end up paying more simply because they know how much you can spend. We can help you on your way!

08.01.2022 If you want personalised service, have a broker sit down with you, listen to your wants, your dreams and your goals for your future, then works for you to find the loans that best fit your individual circumstances so that you can make an informed decision, message us today! Otherwise, go directly to the bank, take a number, get told about only their offerings and have them choose the loan for you paying them the most bonuses....go right ahead. Our personalised service costs you no extra! It really is a no brainer isnt it? Message us today!

07.01.2022 Don't we all wish we had a money tree? Banks are not money trees.....we have to pay it back sometime! The aim is to get it paid back as soon as you can and be free. Banks are getting more prudent with borrowing. Their rules are changing all the time so a preapproval done 6 months ago may not be renewed with todays new rules. This is leaving young people in limbo land where they have put down the deposit for land and building but then banks are refusing to honor the preappr...oval. Scary! So what can you do about it? Make sure that you don't go to the maximum of your capacity. You need that wriggle room that if the rules change again, you can still get your loan. It also allows for extra payments into your loan, paying it off faster if you don't borrow the maximum. Life is about strategy...planning ahead and we can help you plan your finance needs ahead. We call ourselves Finance Strategists for a reason! Message us today See more

07.01.2022 Let us see how much you may be able to save on your home loan! After analysing our own, I found we could save $1500 a year in repayments!

07.01.2022 Why are people ever nervous about having their home loan with anyone but a big 4 bank? Who has whose money? There is no risk borrowing from lenders who are not the big 4 in fact some of them are the biggest banks in the world. The finance industry is highly competitive with lots of differences between product, service and interest rates. Mortgage brokers such as myself are trained and are required to find the most suitable loan for you based on what you want and your circumstances. You get more information and can make a more informed decision than just walking into a branch.

06.01.2022 Looking at why its harder for young people to get their first home..why is it so different than when Mum and Dad got theirs? When mum and dad were young, it was pretty easy to rent a dump....a really cheap rental, or they stayed at home with their parents. Today even dumps are expensive to rent...why? It used to be that if a family could not afford a home of their own, they would go to the housing commission and get a home there. They left the private rental market. Toda...y, there is so few housing commission homes available and so these families stay in subsidised by centrelink, private rentals and so the low rent houses are pretty unavailable. If all your income goes in rent, how are you able to save a deposit? How much deposit do you need and what help is out there? WE can help you work it all out, get a budget together and save for that deposit. Call us. See more

06.01.2022 So where are you thinking of buying your first property....a new construction or an established home? Talk to us, we can analyse your different options for you and let you know what you would need to save to get there.

04.01.2022 Just heard about a brilliant product for mum and dads who want to help their kids into their first home. If mum and dad refinance they may get the interest rate of 3.79% even if it is an investment property without financials. First homebuyer maybe able to borrow 100% + fees+ debt consolidation depending on capacity of course. Message us to find out more.

04.01.2022 Message me to find out more

03.01.2022 Have a look at your latest home loan statement. I bet you didnt even read it when it arrived. What interest rate are you paying? 4.6%? 4.65? If you could get a lower rate and so pay less interest why wouldnt you? A 0.5% difference on a $300 000 loan is a saving of $1500 per year. Thats $1500 loyalty payment because the bank manager is a good bloke? or they have a branch close by that you never walk in? Oh and you pay fees for using atms? Its time to look at your home loan in the cold hard light of day.....see how much you could save TODAY!! Message us, or send a text to 0415 913 598. A quick chat may save you thousands!

01.01.2022 Some great new blocks on the market for low prices ($99500).....Check out Burn Archer Real Estate. Awesome for first homebuyers trying to get into the market. Call us to see how much you can afford 0415913598