Garland Finance in Perth, Western Australia | Loan service

Garland Finance

Locality: Perth, Western Australia

Phone: +61 406 062 324

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• Loan service

24.01.2022 ARE YOU A SUPER SAVER?? In 2017 the government introduced the First Home Super Saver (FHSS) scheme to help first home buyers save a deposit to buy their first home. The FHSS allows you to save for your home deposit within your superannuation fund. Some things to consider when deciding if the FHSS scheme is for you: ~ saving within your superannuation fund means your savings receive the concessional tax treatment applied to supera...nnuation. ~ you can only withdraw voluntary contributions to your superannuation, not contributions from your employer. This means you have to contribute additional funds to your super. ~ you can apply to withdraw a maximum of $15,000 voluntary contributions each year (with a maximum of $30,000) towards a deposit. ~ you must live in the property you are purchasing or intend to live in it as soon as practicable. You should get financial advice from a qualified adviser when considering whether or not to make use of the FHSS scheme. If you would like a copy of the FHSS fact sheet, let me know! See more

24.01.2022 - FIRST HOME BUYERS - Have you heard of the Home Buyers Assistance Account? A grant from the Home Buyers Assistance Account reimburses some of the incidental expenses incurred in connection with the purchase of a first home in Western Australia, provided the applicants meet the eligibility criteria. The grant offers reimbursement of up to $2,000 for expenses such as: - settlement agent fees - mortgage registration fees... - valuation costs - building inspection fees The maximum purchase price to qualify for the grant is $400,000. It must also be your first home, you must intend to live in the house for 12 months and you must have purchased the property through a licensed real estate agent. Some other conditions apply so double check the Home Buyers Assistance Account website. Although it might not sound like much, every dollar counts when you are purchasing your first home, so make sure that you apply for the $2,000 grant within the first 90 days after your offer is accepted! Let me know if you would like me to send you an application form or any further information.

24.01.2022 DO YOU NEED A HELPING HAND? The Home Buyers Assistance Grant reimburses first home buyers some of the incidental expenses incurred in connection with the purchase of their first home in Western Australia, provided the applicants meet the eligibility criteria. The grant offers reimbursement of up to $2,000 for expenses such as: - settlement agent fees... - mortgage registration fees - valuation costs - building inspection fees. Every dollar counts when you are purchasing your first home, so make sure that you apply for the $2,000 grant within the first 90 days after your offer is accepted! Let me know if you would like me to check if you qualify for the grant or if you need help completing the application form. See more

23.01.2022 DO YOU NEED A HELPING HAND? The Home Buyers Assistance Grant reimburses first home buyers some of the incidental expenses incurred in connection with the purchase of their first home in Western Australia, provided the applicants meet the eligibility criteria. The grant offers reimbursement of up to $2,000 for expenses such as: - settlement agent fees... - mortgage registration fees - valuation costs - building inspection fees. Every dollar counts when you are purchasing your first home, so make sure that you apply for the $2,000 grant within the first 90 days after your offer is accepted! Let me know if you would like me to check if you qualify for the grant or if you need help completing the application form. See more

23.01.2022 NEW STAMP DUTY REBATE The WA Government has just announced a new stamp duty rebate which could save you up to $50,000! The rebate is a 75% saving on stamp duty charges for off the plan apartment purchases. The aim of the rebate is to stimulate the property market, particularly in the struggling apartment sector.... For example, on a $500,000 purchase the new rebate provides a saving of more than $13,000. The rebate also applies on top of the usual First Home Buyer stamp duty concessions and multiple rebates can apply to the one applicant for multiple property purchases. Do you think that this incentive will be the stimulus that the WA property market needs? See more

22.01.2022 Are you a First Home Buyer? At the last election the Morrison Government announced a new First Home Loan Deposit Scheme, which is now scheduled to commence on 1 January 2020. The Scheme is designed to provide a guarantee that will allow eligible First Home Buyers on low and middle incomes to purchase a home with a deposit of as little as 5%. Purchasing a home with a deposit of 5% and avoiding Lenders' Mortgage Insurance (LMI) will be a massive h...elp to eligible first home buyers. On a purchase of $400,000 with a 5% deposit you would have previously had to pay approximately $13,000 in LMI. That is a huge saving and will enable a lot of first home buyers to get into the market without having to add LMI to their loan amount. Let me know if you are looking to purchase your first home and want to know if you are eligible. See more

22.01.2022 CAR LOANS Sexy, fast, glamorous and exciting, are words often used to describe cars (although cute might be the better word to describe the car pictured here!). It is so easy to get caught up in the thrill of buying a new car when you are at a dealership with all of the shiny lights and smooth talking sales assistants and you can be overcome by the need to get behind the wheel of your new car right NOW. Instead, you should do your due diligence before you go to the car... yard. What are you looking for? Do you NEED a brand new car or will you be happy with a second hand or demo model? Will you use your car for work or pleasure? How long do you plan on keeping your car? Did you know that most people change up their vehicles every 3 - 7 years! These factors should all be considered when you also decide how you are going to finance your new wheels. You should explore all options and find out what rates are on offer and loan term is available before you go to look for your dream car! A broker can often have a greater say in the terms of your loan and make sure that it is structured to best suit your circumstances. Don't get caught up in the thrill of the purchase and forget to also get a great deal!

20.01.2022 FIXED RATE HOME LOAN If you have a fixed rate home loan it means that your interest rate does not change for the nominated fixed period. That also means that your repayments stay the same each month, which can make budgeting much easier Swipe to read the top pros and cons of a fixed rate.

18.01.2022 TIP TUESDAY These wall shelves are a great way to style a room and the best part is you can change up the styling and the look as often as you like! Here are some #shelfie styling tips from my talented sister-in-law Ella @styledbyellagarland 1. Pick a colour theme for your shelfie. I love the pictures nudie/pink theme... 2. Start by placing the larger items on the shelves and make sure they are evenly balanced 3. Fill the gaps with the smaller items, making sure the space is also balanced in terms of the colour of the items 4. Add some greenery such as plants or flowers to finish off the look! What is your number one styling tip? Follow @styledbyellagarland for more home decor and entertaining inspo See more

18.01.2022 VARIABLE RATE HOME LOAN A variable rate can go up or down as the cash rate changes. If the Reserve Bank of Australia decides to lower the cash rate then your interest rate (should) also decrease. Vice versa, your rate could increase. So why would you want a variable rate home loan? Swipe to find out! @ Fremantle, Western Australia

18.01.2022 What’s the biggest mistake first home buyers make? Not using Garland Finance for their loan of course! But in all seriousness, buying your first home is a really big deal and there are lots of unknowns and tricky decisions to make. The feedback I have received from my first home buyer clients is that they previously had no idea about the process involved in buying a house. From researching the property market, suburb and property that they are inter...ested in to writing up an offer and what actually happens at settlement . I give my clients guidance on the entire home buying journey and explain the steps that are involved. As you can see clients really appreciate the tips and being kept in the loop! Questions for my Facebook friends: what aspect of buying a house was/is most confusing to you? if you’ve bought a house - what was the best advice that you received? would you find a first home buyers’ checklist or guide useful? Stay tuned for more... See more

14.01.2022 DREAMY I never thought I would say this, but I think I need a blue kitchen?! There are a number of different ways to finance a kitchen renovation like this one, including: - savings - redraw on your loan... - top up loan using the equity in your home - full refinance If you are interested in getting yourself a new (not necessarily blue) kitchen, and want to know your financing options - give me a call on 0406062324. See more

14.01.2022 NEWS FLASH: Variable interest rates have been dropping and now the banks are dropping their fixed rates as well!! Some of my First Home Buyer clients have just secured 3.09% Fixed for 2 years which is a RECORD low offer from nab. I recommend that everyone logs onto their internet banking, checks their interest rates and emails me at [email protected] if your rate starts with a 4! Even some of the interest only investment loans start with a 3 . ... Getting a lower interest rate can save you thousands over the life of your loan. If your loan is currently fixed at a high rate, give your lender a call and ask what the cost to break the fixed term would be - you might actually be better off in the long term. Crissa Garland CRN: 511074 ACL: 391237

13.01.2022 Have you heard? Interest rates are HISTORICALLY low right now! If you already own a home and have a mortgage, it is time to check what interest rate you are currently on. You might decide to fix all or part of your loan at the fixed rate offered by your bank. Alternatively, you could take advantage of one of the cash bonus offers that are available for refinancing to a new lender. You could receive up to $4,000 for refinancing just one property!... If you are thinking about buying, now is a great time to start considering your options. Most lenders have also dropped their "assessment rates" which is the interest rate they use to calculate your borrowing capacity. Therefore, you may be able to borrow more than you could a few months ago. If you have any questions about what rates are available and what your options are, please get in touch to discuss. See more

12.01.2022 Happy long weekend Friday and best of luck to everyone who is heading to home opens this weekend!! Remember to keep your property checklist in mind when you are viewing homes: - how many bedrooms do you need? - is it in one of your preferred suburbs?... - what amenities are near? - is it in your budget?! Speaking to a broker before you start looking at properties is a great way to start your own ideal property checklist. What do you have planned for this long weekend? See more

11.01.2022 The importance of the finance clause... and seeing a broker early in your home ownership journey!

11.01.2022 Happy long weekend Friday and best of luck to everyone who is heading to home opens this weekend!! Remember to keep your property checklist in mind when you are viewing homes: - how many bedrooms do you need? - is it in one of your preferred suburbs?... - what amenities are near? - is it in your budget?! Speaking to a broker before you start looking at properties is a great way to start your own ideal property checklist. What do you have planned for this long weekend? See more

10.01.2022 Are you a First Home Buyer? At the last election the Morrison Government announced a new First Home Loan Deposit Scheme, which is now scheduled to commence on 1 January 2020. The Scheme is designed to provide a guarantee that will allow eligible First Home Buyers on low and middle incomes to purchase a home with a deposit of as little as 5%. Purchasing a home with a deposit of 5% and avoiding Lenders' Mortgage Insurance (LMI) will be a massive h...elp to eligible first home buyers. On a purchase of $400,000 with a 5% deposit you would have previously had to pay approximately $13,000 in LMI. That is a huge saving and will enable a lot of first home buyers to get into the market without having to add LMI to their loan amount. Let me know if you are looking to purchase your first home and want to know if you are eligible. See more

07.01.2022 What are your options if you have been financially impacted by COVID-19? Read my latest newsletter update and get in touch to discuss. https://mailchi.mp/cab3dc3f1585/august-newsletter-12272658

06.01.2022 TIP TUESDAY These wall shelves are a great way to style a room and the best part is you can change up the styling and the look as often as you like! Here are some #shelfie styling tips from my talented sister-in-law Ella @styledbyellagarland 1. Pick a colour theme for your shelfie. I love the pictures nudie/pink theme... 2. Start by placing the larger items on the shelves and make sure they are evenly balanced 3. Fill the gaps with the smaller items, making sure the space is also balanced in terms of the colour of the items 4. Add some greenery such as plants or flowers to finish off the look! What is your number one styling tip? Follow @styledbyellagarland for more home decor and entertaining inspo See more

04.01.2022 VARIABLE RATE HOME LOAN A variable rate can go up or down as the cash rate changes. If the Reserve Bank of Australia decides to lower the cash rate then your interest rate (should) also decrease. Vice versa, your rate could increase. So why would you want a variable rate home loan? Swipe to find out! @ Fremantle, Western Australia

04.01.2022 NEW STAMP DUTY REBATE The WA Government has just announced a new stamp duty rebate which could save you up to $50,000! The rebate is a 75% saving on stamp duty charges for off the plan apartment purchases. The aim of the rebate is to stimulate the property market, particularly in the struggling apartment sector.... For example, on a $500,000 purchase the new rebate provides a saving of more than $13,000. The rebate also applies on top of the usual First Home Buyer stamp duty concessions and multiple rebates can apply to the one applicant for multiple property purchases. Do you think that this incentive will be the stimulus that the WA property market needs? See more

03.01.2022 One of the Big 4 Banks is currently offering a 33% discount on Lenders' Mortgage Insurance for first home buyers. If you are looking to purchase a home you will either need: a 20% deposit; a guarantor; or... to pay Lenders' Mortgage Insurance (LMI). Although nobody wants to pay LMI (a one off payment to the bank that is insurance for them NOT you), sometimes it is necessary to be able to get your foot into the property market. First home buyers in particular can find it difficult to save a 20% deposit plus stamp duty (if applicable). To help first home buyers enter the market sooner, one of the major lenders has recently announced that they will offer a 33% discount on LMI payable. The same bank also has a promotion offering $2,000 for purchasing a home and taking a loan with them! Get in touch if you are a first home buyer and want to know more about the LMI discount. See more

03.01.2022 RATE CUTS The RBA cut the cash rate by 0.25% this month... but what does that actually mean for you?? A lot of the banks have passed on the full benefit to their customers by reducing their Standard Variable Rates by 0.25. Other lenders have passed on only a part of the rate cut - which did not impress the RBA. ... If you have a variable rate loan your interest rate will automatically reduce by whatever cut your bank has passed on. If you’re in the process of getting a loan then you will get the variable rate that is on offer when your loan settles. Now is a great time to have a look at your interest rate. HINT: if it starts with a 4 you are paying too much! There are some great refinancing specials and rates on offer at the moment and, particularly if your loan is with a lender that didn’t pass on the full rate cut, you could be hundreds of dollars better off every month if you do refinance. Get in touch if you would like me to do a comparison of your loan/interest rate with what other offers are available at the moment! Real life photo of me doing an interest rate pricing for a client See more

02.01.2022 Women Supporting Women #challengeaccepted now and always . Thank you for the nomination @lucydurack

02.01.2022 Competition time!!! Subscribe to the Garland Finance monthly mailing list for your chance to win a $100 Myer gift voucher! Click the link to subscribe: https://mailchi.mp/c006fe9c8cb5/garlandfinance

01.01.2022 RENOVATIONS Those of you who watched my InstaStories over the weekend would have seen that @hlgarland and I spent the day painting the backyard fence and building a retaining wall garden bed. It was a hard slog but we finished and are pretty happy with the end result! Our ultimate aim is to have a backyard that looks something like this and if you squint really hard you can almost see that in 10 years time it might bare some resembl...ance to this picture! Did you know that if you are looking to do your own backyard renovation, landscaping or pool install you can use the equity in your home to borrow the funds that you need? Financing your renovations this way can mean that you get a much lower interest rate than if you took out a personal loan, which ultimately saves you interest in the long run. For more renovation finance tips, or if you just want to compare #backyardgoals inspiration photos , get in touch with me on 0406062324 or at [email protected] See more