Goodwill Finance in Cheltenham, Victoria | Mortgage brokers

Goodwill Finance

Locality: Cheltenham, Victoria

Phone: +61 423 459 480

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• Loan service
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23.01.2022 A credit report, which details your repayment history, could affect your ability to get approval on a loan, especially if it highlights financial issues from the past. This is one of the many reasons it pays to be in control of your debt. Each lender will assess your credit file against their own policies, there may be instances where some approve your application, while others reject it or delay the process. It can be discouraging, but hang in there. If you have plans to apply for a loan anytime soon, reviewing your budget and talking to your financial/Mortgage adviser could be worthwhile. So, Knowing the details of your personal credit report could save you from surprises if you choose to apply for a loan. More info in the link below:

23.01.2022 WISHING YOU ALL HAPPY AND SUCCESSFUL NEW FINANCIAL YEAR 2020-21 !!WISHING YOU ALL HAPPY AND SUCCESSFUL NEW FINANCIAL YEAR 2020-21 !!

22.01.2022 Apparently we're the sum of the five people we spend the most time with. We spend a lot of time with ambitious, switched on people wanting to climb the property ladder, so we're definitely in good company!

22.01.2022 One of the biggest hurdles when buying a first home is the time it takes to save for a deposit. That’s why one of our panel lender have introduced a First Home Buyer Lenders Mortgage Insurance (LMI) Offer. Pay only $1 LMI for up to 85% LVR. Did you want to know more on above, Please feel free to contact us:... Dillon Neupane 0423 459 480 [email protected] www.goodwillfinance.com.au #HomeLoan #GoodwillFinance #HomeLoanExpert #YourMortgageBroker

22.01.2022 3 in 4 people experience the Sunday Scaries that dread that creeps in as the weekend draws to a close. It’s not always a case of hating your job. It can be more about the overwhelm of an ever-growing To Do list and feeling resentful that you don’t have enough time to get on top of everything both in your personal life and professional life. We help reduce this angst by providing expert guidance on the most significant part of your finances: your home loan.

22.01.2022 Wishing a warm and prosperous Dipawali to you and your family #FestiveGreetings #HappyDipawali #GoodwillFinance

21.01.2022 Yep, diamonds are the ultimate example of performing well under pressure. Here's to a productive week ahead!

21.01.2022 COVID-19 Home Loan deferral assistance: ************************************************** Banks have introduced up to six months of home loan deferral package (with interest capitalised) to help customers in this tough time. Any home loan customers who have lost their job or suffered loss of income as a result of COVID-19 and if you are experiencing financial difficulty, you may request your bank for deferral arrangement for your home loan repayments. For any deferral arr...angements, please call your lender directly or request assistance online. lenders hardship assistance phone number and links below: CBA 13 30 95 https://www.commbank.com.au/suppo/financial-difficulty.html Westpac 1800 067 497 https://www.westpac.com.au//disaster-rel/coronavirus.html/ NAB 1800 701 599 https://www.nab.com.au//help-and-guidan/financial-hardship ANZ 1800 252 845 https://www.anz.com.au/a/sustainability/financial-hardship/ Adelaide Bank 1300 650 259 https://www.adelaidebank.com.au//financial-difficulty-ass/ AFM now Lendi 1300 323 181 https://www.lendi.com.au/guides/home-loan-repayment/ AMP 13 30 30 https://www.amp.com.au/home-loans/financial-hardship ANZ 1800 252 845 https://www.anz.com.au/a/sustainability/financial-hardship/ Bankwest 1300 769 173 https://www.bankwest.com.au//guides/financial-hardship-ass Choicelend 1300 144 554 https://www.choicelend.com.au/contact Citi Bank 1800 722 879 https://www1.citibank.com.au/help-and-su/financial-hardship Firstmac 1800 651 898 https://www.firstmac.com.au/products/faqs Homeloans - Resimac 1300 793 741 https://www.resimac.com.au/hardship-resimac-funded-loans Homloans - Pepper https://www.resimac.com.au/hardship-wholesale-partner-funde ING Direct 1300 349 166 https://www.ing.com.au//tips-hints/financial-hardship.html Liberty 13 11 33 https://www.liberty.com.au/about-us/covid-19-update Macquarie 1300 363 330 https://www.macquarie.com//disclos/financial-hardship.html ME Bank 13 15 63 https://www.mebank.com.au/support/financial-hardship/ Pepper Money 1800 356 383 https://www.pepper.com.au//c/financial-hardship-assistance Resimac 1300 793 741 https://www.resimac.com.au/financial-hardship-assistance Suncorp 1800 225 223 https://www.suncorp.com.au//help/financial-difficulty.html If we can help with any advice or guidance, please feel free to reach out at anytime. We're here to support you in any way we can during this difficult time. Take care and we wish you and your loved ones all the very best during this difficult time. Dillon Neupane (Principal Mortgage Broker) 0423 459 480 Goodwill Finance Pty Ltd

20.01.2022 , - , , ,, , , ! !! , ... #NepaleseNewYear2077 #StayBlessed #StaySafe #HappyNewYear #GoodwillFinance #HomeLoanExpert

20.01.2022 LOAN APPROVAL CONTINUES !! **************************************** We’re expert at finding the right home loan solution for our customers. Many congratulations to our clients. ... Dillon Neupane (Principal Mortgage Broker) Mobile: 0423 459 480 Goodwill Finance Pty Ltd #HomeLoan #FormalApproval #FirstHomeBuyer #InvestmentProperty #HappyClient #GoodwillFinance #HomeLoanExpert #YourMortgageBroker

20.01.2022 Our door is open to people wanting help with acquiring property. Whether it’s your first or seventh we’re here for expert guidance on how to make your most important investments work harder

20.01.2022 Wishing all mums a happy Mother's Day !! #MothersDay #GoodwillFinance

19.01.2022 Conveyancing is the legal process of transferring a land title from one owner to another, and it can be quite a process! We absolutely recommend you enlist the help of a professional conveyancer to navigate through the red tape, and ensure you're protected throughout the property transaction. We work with several local conveyancers, and can recommend one who'll make sure all the Ts are crossed and I's are dotted. ... Keep in mind a conveyancer and the various government fees will cost anywhere between $1-3k - so something to factor into your plans. See more

17.01.2022 We've helped a record number of people get on top of their finances this week by reviewing their home loans. Interestingly, this doesn't always mean switching to another lender. Sometimes it's simply about advocating for you to get a better deal from your current bank. Whether this means shaving years off your mortgage, reducing repayments, or paying less interest - it is never a bad thing to run a health check on your home loan.... Ask us how. See more

17.01.2022 While we advocate for healthy spending habits all year round, it’s a good idea to take extra care with your spending at least three months before application time. If, for instance, you’ve got a maxed-out credit card but are ordering Uber Eats five times a week, the lender may wonder why you’re not diverting this discretionary spending to paying off your debts. The lenders are looking for evidence that you handle your debts well. If you're only making the minimum m...onthly repayments, or if you're behind on your repayments, it paints a picture that perhaps you're not on top of your money. Similarly, they want to see evidence of good savings habits. So if your penchant for delivery is getting in the way of your savings plan, then you may want to reprioritise your spending. If you want to talk about how to qualify for a home loan, send us a DM. See more

17.01.2022 We say this a lot, but loans are about more than just the interest rate. When deciding whether to switch to another loan product or lender, factor in: -How much will it cost to apply -What are the break fees or discharge fees -What happens if you want to pay the loan back faster ... -What if you need funds to renovate your property -When you add up all the fees and charges, what's the comparison rate? Meaning, you may have been comparing apples with oranges. Get in touch if you want help comparing apples with apples.

17.01.2022 Since August 1, first home buyers haven't had to pay stamp duty on newly-built properties valued under $800k - not bad considering the threshold used to be $650k. Provided developers don't respond by simply inflating prices, this is great news for first home buyers (and tradies!). Get in touch if you want help understanding how this might impact your specific situation.

17.01.2022 The review from our customer is what brings joy to us. Thank you for sharing your happy feedback. #HappyClients #FirstHomeBuyer #Feedback #GoodwillFinance #HomeLoanExpert

16.01.2022 Don’t think anyone could have predicted what was in store for us last year. There’s so much we can control though. Get in touch with us if you need a hand getting your finances back on track.

16.01.2022 THREE TYPES OF COMMON HOME LOANS: ***************************************************** There are lots of home loans out there, and yes, it can get a little confusing. That said, most lenders offer three basic types of home loans Variable, Fixed, and Mixed. Let us take a closer look- ... VARIABLE HOME LOAN: The interest rate can go up and down. Your repayments can vary. If your interest rate increases, so will your repayments. If your interest rate goes down, your repayments will go down too. With most Variable Home Loans, you’ll generally have the flexibility to make extra repayments into your loan too. FIXED HOME LOAN: Your repayments are locked in for a set period of time, usually one to five years. The interest rate will not change over the agreed term, giving you certainty of interest repayments for the term. If the interest rates go up or down, your rate will remain the same until the Fixed Home Loan term ends. After the Fixed Home Loan term ends, your home loan will revert to a Variable Home Loan. A Fixed Home Loan generally restricts your ability to make extra repayments, use offset accounts or redraw. SPLIT HOME LOAN: Cannot decide whether Variable or Fixed is for you? No worries you can choose to split your home loan between the two options and get the best of both. The amount you can split between variable and fixed will depend on your lender, and you should consider what option is best for your situation. This approach gives you the certainty of a fixed rate loan on a portion of your loan and the flexibility of a variable home loan on the rest. Did you want to know more on your home loan options, we are here to help. Dillon Neupane 0423 459 480 [email protected] www.goodwillfinance.com.au #VariableHomeLoan #FixedHomeLoan #SplitHomeLoan #HomeLoanExpert #GoodwillFinance

16.01.2022 #ThrowbankThursday It was 1969 and the ATM comes to Australia via the The Commercial Banking Company of Sydney Limited (CBC). $25 in cash came in a neat little envelope, and you had your card mailed back to you. https://youtu.be/QxOzUwWYxa8

15.01.2022 NAB announces 6 months freeze on payments for distressed mortgage customers.

14.01.2022 We believe in continious improvement and that is why we invest time into learning and personal development. We believe the more we learn, the more value we can provide our clients. #BetterBusinessSummit2020 #continuousimprovement #Learning #GoodwillFinance #YourMortgageBroker

13.01.2022 On a topic completely unrelated to this photo, we want to remind people about good credit file hygiene. Every application you make for credit is recorded on your credit file, and these can impact how the lender assesses your application when it comes time to applying for a loan. When was the last time you asked for a copy of your own credit file to see the score and what information is on there? ... Knowledge is power!

12.01.2022 The NSW government has recently announced plans to axe stamp duty - and replace the hefty one-time fee with smaller payments spread over time. We will watch on with interest over the coming months. If it works out well for NSW, then who know, perhaps Victoria will follow suit? In the meantime, get in touch if you want help understanding how stamp duty is calculated on that property you're eying off.

11.01.2022 Compound interest has been described as the eighth wonder of the world: They who understand it, earn it. They who don’t, pay it. If you've got personal loans and credit cards, compound interest is why it may seem like you're barely chipping away at those debts. It's the thing that's sapping your disposable income, dampening your savings efforts, and diverting resources from your investments.... Get in touch with us if you'd like help earning compound interest - instead of paying it. See more

11.01.2022 RBA Board Meeting 02/06/2020, Decision - Cash rate on hold: ----------------------------------------------------------------------------------- #NEWS The Reserve Bank of Australia (RBA) has announced its decision on the official cash rate for June to keep on hold at 0.25%. If you’d like to have a chat about what today’s news means for you and your finance, please feel free to contact us.... Dillon Neupane (Principal Mortgage Broker) Mobile: 0423 459 480 Goodwill Finance Pty Ltd #CashRate #HomeLoan #GoodwillFinance #HomeLoanExpert #YourMortgageBroker

10.01.2022 The only way is up. It may just not be as straight as you’d like

10.01.2022 CommBank rate update: ************************* Commonwealth Bank is announcing its lowest ever Fixed Rate home loan as well as significant cuts to a number of business loans in response to the Reserve Bank of Australia’s (RBA) package of further measures to support job creation and the recovery of the Australian economy from the pandemic. Today Commonwealth Bank is announcing:... > 100 bps reduction to 1.99% p.a. on new 4 year Fixed Rate home loans for Owner Occupiers paying Principal and Interest in the Wealth Package. This is CBA’s lowest ever advertised home loan rate; > 15 bps reduction to 2.14% p.a. on new 2 and 3 year Fixed Rate home loans for Owner Occupiers paying Principal and Interest in the Wealth Package; > 10 bps reduction to 2.19% p.a. on new 1 year Fixed Rate home loans for Owner Occupiers paying Principal and Interest in the Wealth Package; > 2.99% p.a. secured and 3.99% p.a. unsecured business loan rates through the Government’s SME Guarantee Loan Scheme, a reduction of up to 51 bps; > 2.49% p.a. rates on new 3, 4 and 5 year fully secured BetterBusiness loans, a reduction of approximately 50 bps; > These rates are effective 11 November 2020. Should you have any questions regarding recent rate cut, please feel free to contact us at 0423459480.

10.01.2022 Goal digger: someone who knows what they want and works hard to make it happen. Here's to smashing some big goals in 2021! And if your goals are finance-related, reach out if you want an expert in your corner.

09.01.2022 RBA Board Meeting 04/08/2020, Decision - Cash rate on hold: ----------------------------------------------------------------------------------- #NEWS The Reserve Bank of Australia (RBA) has announced its decision on the official cash rate for August to keep on hold at 0.25%. If you’d like to have a chat about what today’s news means for you and your finance, please feel free to contact us.... Dillon Neupane (Principal Mortgage Broker) Mobile: 0423 459 480 Goodwill Finance Pty Ltd #CashRate #HomeLoan #GoodwillFinance #HomeLoanExpert #YourMortgageBroker

08.01.2022 Wishing everyone in the community a safe and happy Easter. This year Easter break will feel different to previous years. Please continue to practice physical distancing guidelines as outlined by the government. if you can stay home, please stay at home and save lives. Here are some ideas on how you can continue the joy, celebrations and connectedness this break in a different way:... Camp or picnic in your back yard. Set up an Easter Egg Hunt around your house and yard. Host a virtual Easter dinner line up friends and family to cook the same meal. Have an Easter arts and crafts day with the kids. Bake Easter goodies and deliver them to your neighbours by placing them at their doors. Get those DIY or spring-cleaning jobs finished. Help others volunteer or give blood Practice selfcare read a book, exercise, meditate, take a bath, or call a friend or relative. Try something new a new recipe, walk a different path, or start a new at-home hobby. Have fun and have a safe time. #StayHome #StaySafe #HappyEaster

08.01.2022 SETTLEMENT COMPLETED !! ************************************ A new home is a place for memories to be made and dreams to come true. Many congratulations to our client for acquiring this beautiful home as your first home. We wish you all the very best and thank you again for choosing Goodwill Finance for your home loan needs.... #FirstHomeBuyer #Settlement #FirstHomeSweetHome #HappyClients #GoodwillFinance #HomeLoanExpert #YourMortgageBroker

06.01.2022 Einstein asked if a cluttered desk is the sign of a cluttered mind, then what does an empty desk signify? Sounds a bit like what someone with a messy desk would say, but we're running with it

06.01.2022 Today we remember, thank, and salute our fallen heroes ~ lest we forget. . #ANZACDay2020 #Respect #LestWeForget #GoodwillFinance

06.01.2022 RBA Board Meeting 05/05/2020, Decision - Cash rate on hold: ----------------------------------------------------------------------------------- #NEWS The Reserve Bank of Australia (RBA) has announced its decision on the official cash rate for May. Despite the fallout from COVID-19 the cash rate remains on hold at 0.25%. If you’d like to have a chat about what today’s news means for you and your finances, please feel free to contact us.... Dillon Neupane (Principal Mortgage Broker) Mobile: 0423 459 480 Goodwill Finance Pty Ltd #HomeLoan #GoodwillFinance #HomeLoanExpert #YourMortgageBroker

06.01.2022 FIRST HOME BUYER ! LOAN APPROVED !! ------------------------------------------------------------ As always, our key objective is to help our client secure the right home loan solution with minimal disruption to their busy schedule. Many congratulations to our client for securing your first home and thank you for choosing Goodwill Finance for your home loan needs. ... Ask us to find out how you can save with your next purchase. Dillon Neupane 0423 459 480 [email protected] www.goodwillfinance.com.au #HomeLoanApproved #FirstHomeBuyer #Craigieburn #HomeLoanExpert #GoodwillExpert

06.01.2022 Are you being penalised for your loyalty? It’s almost unbelievable that many lenders reserve their best deals for new customers - instead of rewarding those who stay with them through thick and thin. If you're not 100% sure you're getting the most from your lender, then get in touch for a no-strings recommendation. Sometimes it's a matter of having a frank, informed discussion with your current bank. Other times it might mean switching to another lender.

04.01.2022 RBA Board Meeting 07/04/2020, Decision - Cash rate on hold: ----------------------------------------------------------------------------------- Following two cash rate reductions and the introduction of unconventional monetary policy in March, the Reserve Bank of Australia has just announced its April decision. Australia's official cash rate has been left unchanged at its current record low of 0.25%, as was largely expected. If you’d like to have a chat about what today’s new...s means for you and your finances, please feel free to contact us. Dillon Neupane (Principal Mortgage Broker) Mobile: 0423 459 480 Goodwill Finance Pty Ltd #HomeLoan #GoodwillFinance #HomeLoanExpert #YourMortgageBroker