Grant Arbuckle | Financial service

Grant Arbuckle

Phone: +61 402 587 803

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25.01.2022 Having been quiet on the social media front has only meant that GA Finance has not been quiet on the loan application front. #Property demand has been incredibly high! Although I don't personally have any experience or expertise in property investing... nor will I entertain giving any professional advice to support a particular #purchase.. like many of our clients; I do enjoy reading articles like the below. "Here are #Australia's best regional areas for #investors"... Which notes... "The PRD Stand Out Regions Report identified Queensland as one of the best places to #invest, with the Whitsundays, Mackay and Toowoomba named as the top three areas in Australia for real estate purchases" Keen to hear your thoughts?... #realestate #loans #refinance #purchase #GAFinance #lending https://www.brokernews.com.au//here-are-australias-best-re

25.01.2022 Coincidence.. possibly..... YET it just seems interesting that GA Finance began in January 2019 and according to Westpac "the number of first home buyers looking to enter the market has more than doubled since 2019".. Hey, just an observation... Education is key! Don't be afraid to ask questions.... First Home Buyer incentives available to those who qualify [Victoria]: - $10,000 - $20,000 First Home Owners Grant - Stamp Duty waived for purchases under $600,000 and a concession applied [now] from $600,000-$1,000,000 - LMI waiver for those with only a 5% deposit - $15,000 Home Builder Grant #FHOG #FHLDS #GAfinance #FHB #homeloan #buyer #purchase #lending #loan #mortgage #Victoria #realestate https://www.mortgagebusiness.com.au//15176-home-ownership-

24.01.2022 Today is a great day! I am honoured to share with you that I have been acknowledged as one of Australia’s top 25 MPA Young Gun Brokers for 2021. This is an achievement I am incredibly proud of as I am nationally recognised alongside 24 other future leaders of our industry. It is days like today I reflect and remain overly grateful for the vast array of support I have received from my clients, mentors, aggregator #AFG, GA Finance team and most certainly my family. Thank you! T...his is as much our award as it is mine. Recognition awards like these are overly competitive within the mortgage broking industry and to the organisers of the #MPAYoungGuns, thank you for considering me within your top 25 for 2021. For a full copy of the digital magazine, please contact me directly. https://www.mpamagazine.com.au//mpa-young-guns-2021-275084 #Mortgagebroker #homeloan #lending #MPA #purchase #refinance #loan

24.01.2022 I love reading articles that share stats on #FirstHomeBuyers increasing in market share for #property #purchases. Having spoken with many people over recent weeks, it is refreshing to see that the #market is not plummeting like many had expected 6 months ago. IN FACT I personally feel that when First Home Buyers [in particular] have the confidence to go out and purchase new #homes, this shows there is an incredible appetite to take advantage of the market. With home #loans at... record low #interest rates & the property market at price points still well within the affordable range; its incredibly exciting to support so many with their first home purchases. FIRST HOME BUYERS - KEEP asking QUESTIONS #GAFinance #homeloan #refinance #FHB #FHOG #HomeBuilder #constructionloans https://www.brokernews.com.au//number-of-aspiring-fhbs-dou

23.01.2022 It's quite refreshing hearing from one of Australia's most senior economists that the outlook for 2021 appears quite promising. Of interest for current home owners and the many people who ask me if I think rates will increase or decrease in future.. well regardless what I think... this man is one that holds far more weight in his opinion than I do. & from what I understand about Mr Fabo's thoughts; we are unlikely to see much movement in rates for the coming 3 years [both in ...fixed and variable rates]. WORTH A WATCH, if you have a spare 7 minutes - https://www.youtube.com/watch?v=VQNxgaRJkEg&feature=youtu.be

22.01.2022 This could very well be welcome news for the #housing #market over the years to come. "#Westpac expects mild (5%) dwelling price correction through to late 2021 to be followed by 15% surge over the next two years." So is 2021 the year to #purchase before another spike?... Keen for your thoughts on this?! #gafinance #loan #mortgage #FHB #firsthomebuyer https://westpaciq.westpac.com.au/Article/45113/50728/

21.01.2022 With much of what you are reading today focusing on the 2021/21 Budget, the biggest win for First Home Buyers is the extension of a further 10,000 spots on the First Home Loan Deposit Scheme [FHLDS]. I am currently in discussions with FHLDS approved lenders to confirm when and how new applicants can secure a place; so please watch this space. **However of greatest interest at this stage is the change from FHLDS spots being available for any purchase within the respective stat...e/region price caps [whether established or brand new homes] to just for new or a newly built homes.** This is no doubt a great win for the construction industry and First Home Buyers looking to build, yet it's a critical change in the scheme that some may not have read and is worth noting. #FHLDS #FHB #Firsthomeloandepositscheme #FirstHomeBuyer #GAFinance #loan #preapproval https://www.theadviser.com.au//40871-budget-2020-21-releas

21.01.2022 What makes it more costly when you don't have a 20% deposit to #purchase a #property?? OR Why is it so important to not #refinance your loan until your loan has a greater than 80% gap towards the value of your property? i.e Loan to Value #LVR of less than 80%... for example, loan amount of $400,000 and property value is $500,000 = LVR 80% BECAUSE you will generally be subject to 'Lenders Mortgage Insurance' #LMI. An insurance that YOU pay for, to protect THE #LENDER.... YET, sometimes its good to know a #broker as there are always acceptable loopholes *Some lenders are offering LMI to be waived at an 85% lend. *Some lenders even have what is called an LMI waiver for Professional Services; i.e #Accountants, #Legal #Professionals, #Medicos etc etc... UP TO 90%. So... just because you think you may need to pay LMI, there may be ways around it. Always ask if you are subject to any concessions! #LMI #Lendersmortgageinsurance #loan #lending #GAFinance

19.01.2022 "According to the research, almost a third of #Australians, or 31 per cent, plan to #renovate their #home in the next five years" So if we weren't enough at home in 2020.. now we are planning to make our homes fabulous from 2021 moving forward!! "On average, each Australian who is planning a #renovation plans to spend about $82,000 on their project, with one in five (22 per cent) looking to spend over $100,000"... First option, use #cash. Increase the value of your #property without taking on more #credit. IF that's not possible... consider getting your property valued and see how much 'AVAILABLE #EQUITY' you have in your property to cover the renovation costs. If you don't know how much equity you have, or as my #Christmas gift for anyone considering a 2021 renovation, reach out and I will cover the cost of a property valuation for you + work through how much available equity you have in order to increase the value of your property via a renovation. #GAfinance #lending #refinance #homeloan #melbourne https://www.mortgagebusiness.com.au//15241-aussies-priorit

19.01.2022 First Home Loan Deposit Scheme [#FHLDS] places filled up this financial year, with some lenders, in a matter of weeks. Fortunately for those who missed out on a place, as of Tuesday... there are 10,000 new spots! If you are someone who missed out in July and/or you know someone who missed a place... make sure you are doing all you can to prepare asap.... **AVOID Stamp Duty **AVOID Lenders Mortgage Insurance [#LMI] **PURCHASE with just a 5% deposit #purchase #firsthomebuyer #GAfinance https://www.sbs.com.au//the-government-s-first-home-loan-d

19.01.2022 I am all about reviewing your #homeloan - a home loan is not a set and forget. Ideally the minimum I would recommend is reviewing your #loan every 18-24 months, minimum. This doesn't mean a #refinance every time, but an internal restructure can be beneficial for various reasons. That or even just to ensure you understand how your loan is structured. So the big question I often get asked: "how soon after getting a #mortgage should I refinance'?... There is no right or wrong answer.. but the following article gives some great insight. i.e "How much will refinancing cost?' .. "What’s your current financial situation?'..."Why are you refinancing in the first place?" #gafinance #refinancing #melbourne #property https://www.realestate.com.au//how-soon-after-getting-a-mo

17.01.2022 For those who loves #stats, #graphs and all things #numbers.. this is an excellent article with great #data on the current and recent #housing market across all states in Australia. For any of my clients actively looking to #purchase or whom have #purchased via #GAFinance, you would know that I use #CoreLogic reports to provide estimates for potential #properties [to support you on your hunt to find your preferred #property] and hence this article is via CoreLogic directly. #...mortgagebroker #loan #lending #GA https://www.corelogic.com.au//australian-housing-values-re See more

17.01.2022 Working remotely has had its challenges, but with business processes updated accordingly to make the #loan process 'go #digital', this has changed the landscape of #lending incredibly. I am proud that GA Finance has adopted the use of such programs as #Docusign to ensure both a safe and secure way of signing confidential documents, but ultimately these processes now saves considerable time and are great for the environment! #Process- Process - Process ... this is why the GA... Finance team have been able to conduct start to finish #refinances in just a matter of weeks. No printer at home?... no problem! Yet its not all about our internal processes and the reason I note this today... is that I pay credit to those #banks that are changing their processes also to benefit the #customer. Well done to #NAB and #Macquarie as 2 lenders that I see leading the charge in this space. Now welcome #MEBank. #digital #refinance #mortgage #gafinance https://www.mortgagebusiness.com.au//14954-me-bank-looks-t

16.01.2022 It is pleasing to see so many #investors appreciate the value brokers add! 71 per cent of respondents said they used #mortgage #brokers to secure finance over the past year. Unfortunately though still too many other investors set and forget their loans [and arguably I can understand why, to an extent, as we all live such busy lives], yet with so many #interest #rate movements and new products available over the past 12 months this has not been a year to leave your loan to ...do its own thing. Lower interest rates could improve investor #cashflow considerably, which has been under pressure over the last six months. What really gets me in the following article though, is that the report also found that 78 per cent are confused about what #refinancing is. This to me verifies exactly the value brokers add whereby most brokers will explain why a refinance can be favourable and the reason why many Australians so regularly should and do consider a refinance. If you are unsure why anyone would refinance, don’t hesitate to drop me a line. #GAFinance #refinance #investment #investmentproperty #homeloan #loan #interestrates https://www.mortgagebusiness.com.au//15048-investors-keen-

16.01.2022 I harp on about making sure you are paired with the the most suitable #homeloan for your current lifestyle... because if you are simply chasing '#interest rate' or following what 'Bob and Jane' down the road have told you their home loan is.. then the chances are you are not doing yourself any favors. See below for a great article from the #ABC which notes some of the pro's and con's of fixing. & at the moment.. fixing is the hot thing to do in lending. i.e when fixing your r...ate "you know exactly how much your #repayments will be over the #fixed-period {&] ... If interest rates increase during the fixed period, your #mortgage rate won't increase." However the biggest concern for those fixing is that "if you need to switch out of a #fixed rate loan [i.e #discharge your loan, release #equity etc etc], you'll likely need to pay a break fee. And they can be significant. So make sure you are telling your #broker about YOUR expected lifestyle in years to come to make sure the home loan YOU take out suits YOUR needs. #GAFinance #refinance https://www.abc.net.au//what-to-know-before-swit/100003150

15.01.2022 Finance is important. Property is important. Yet what is most important is family. So I am proud to introduce you to the newest member of the GA Finance family. Meet my son Fletcher.... Although I find it hard to switch off from doing what I love, that is helping you all buy properties and save $$$ on your home loans, if you hear my little man in the background when you call... just know he is just as interested in helping you as I am. #GAFinance #loans #mortgage #family

14.01.2022 Tell me more about the property market crash?... "CoreLogic stating that house values look set to surpass their pre-COVID highs in the first quarter of 2021" #Melbourne #realestate #homeloan #purchase #lending #Gafinance ... https://www.mortgagebusiness.com.au//15201-house-prices-to

14.01.2022 "Recent claims from NSW Treasury that the abolition of stamp duty and the creation of an annual property tax in its place could increase property sales by 50% has met with some skepticism from within the industry." 50%.. that's a fair margin in my opinion... I am keen for your thoughts on this?... Also.. what would this mean if Victoria implemented such a change? Would this make you more likely to purchase a new property? #GAFinance #stampduty #homeloan #lending #house #home #purchase #refinance https://www.mpamagazine.com.au//stamp-duty-change-could-me

14.01.2022 At what point will lenders stop cutting their interest rates?.. We now have some of the major lenders offering fixed rates as low as 1.79% ... & they will give you $1,000's as a cash rebate just to move your home loan to their bank. For the past 12 months lenders and brokers alike have been pushing their marketing with 'historic low interest rates'... but seriously.. that's exactly what it is! Just ask anyone who has had home loan pre-2010 [or pre-2015 quite frankly!].... With most lenders having a product offering with interest rates now below 2%, this really does form part of the reason why the housing market is so hot at the moment. #GAFinance #loans #mortgage #refinance #purchase #FHLDS #FHOG #construction https://www.mpamagazine.com.au//rate-war-rages-on-as-lende

12.01.2022 We all see value in different in properties. I for one have a dog and he loves his space [well... unless I am home, then I don't get my space], so a property with land is of greatest value for me. What is interesting though is that 2020 has put many things for us into perspective... from a living perspective; size of the property itself and yard area seem to be more advantageous, along with the desire for a home office. All of which has seen many moving out of Metro Melbourn...e areas and looking for the more affordable, larger sized regional locations. What time of person are you? https://www.realestate.com.au//big-cities-snubbed-in-fav/

12.01.2022 **FIXED RATES ARE THE LOWEST IN HISTORY** **FIXED RATES BELOW 1.99%** These are just some of the news headlines you are reading. & don't get me wrong.... purely from a #brokers business perspective, I would love everyone of my clients [for my business invested interest] to fix their rates for 3-4 years.... HOWEVER, please be mindful... rates are not everything. Once you #fix, just like a phone plan, should you need to discharge your loan.. you will be hit with fairly steep break costs. "But Grant.. I don't plan to discharge in the next 4 years. I am happy".. Well... I didn't plan for #COVID19.. but that happened. Needless to say, fixing at record low #rates could be beneficial for you... please make sure you understand the below. If you plan to: - #SELL your property... you will need to #discharge your loan - #REFINANCE your loan - for any reason, eg. to release #equity for #renovations or because you are not happy with your current lender etc etc... you will need to discharge your loan - #RESTRUCTURE your loan to suit your current lifestyle [which may change within 4 years time]... you will need to discharge your loan Now I don't want to talk anyone out of fixing for 4 years. BUT I ABSOLUTELY want to talk you INTO having a conversation with me or your broker first. Make sure fixing suits your lifestyle, otherwise you will play into the cards of the banks. #GAFinance https://www.abc.net.au//fixed-term-interest-rates/12892924

12.01.2022 FIRST HOME BUYERS - PLEASE DO NOT IGNORE THIS! If you are a first homer buyer that was hoping to secure a place on the First Home Loan Deposit Scheme [FHLDS] this financial year in order to purchase an ESTABLISHED HOUSE - please reach out asap as there are some spaces still available. These spots were 'apparently' filled, but those people approved on those places didn't finalise their purchase and hence have now become available once again. I have already spoken with various ...contacts of mine at approved scheme lenders and we can help get you a place. But places will go fast. FHLDS? - Minimum 5% deposit of purchase price - All applicants are Australian citizens - Singles earn less than $125,000 or couples less than $200,000 - Price cap in Melbourne $600,000 Please contact me ASAP if you were waiting until July 2021 for a place. 0402 587 803. https://www.theadviser.com.au//41249-government-to-reissue

12.01.2022 "Hey Grant, when is a good time to #buy"? A question I will never answer... Yet, what the team at GA Finance will do is give you all the tools you need to make an informed decision about whether you should #buy [or #refinance]. It all comes down to your current lifestyle, needs and financial position. Yet, what is important to me is #STATISTICS. ... "#Auction volumes hit 6-month high" 68.5% clearance rate this time last year [when COVID19 was unheard of!]... now we are seeing #clearance rates of 73.6%... 77.1% specifically in #Melbourne! "#CoreLogic also found that all major capital cities, including #Sydney, #Melbourne, #Brisbane, #Adelaide and #Perth, saw an increase in home values over the week, with Adelaide seeing the highest increase at 0.5 per cent, followed by Perth with 0.4 per cent." Data is key! #gafinance #homeloan #purchase #lending https://www.mortgagebusiness.com.au//15168-auction-volumes

11.01.2022 There are days that I wake up and I genuinely feel grateful to be in a position that what we do [albeit 'only' in finance] can change someone's life. Buying a home can bring such a sense of satisfaction and fulfillment. But [in finance] we are not saving lives.. so when I get incredible clients who do incredible things.. this is where I can personally rally around a great cause. Nick, purchasing your first home was as exciting venture... but now you are embarking on arguably a more important challenge! So I wish you all the very best AND for anyone in my network interested in supporting a great cause, please see the following link.

06.01.2022 So my gut was telling me we wouldn't see any more rate cuts for the remainder of the year... yet, looks like the big #banks think otherwise? Interesting read, because if the experts do predict correctly and the the #RBA does cut the #cash rate further, we would be seeing another historic move downward. This would no doubt add further pressure for #lenders to follow suit and reduce their variable #rates. Let's see what happens come October 6. ... #gafinance #refinance #loans #purchase #borrowing #NAB #Westpac https://www.mortgagebusiness.com.au//14968-rba-rate-cut-im

04.01.2022 **HOMEBUILDER GRANT EXTENDED** "The Treasurer announced that the #HomeBuilder program will be extended to 31 March 2021, albeit in a modified form" Of greatest interest though is the following 2 key changes:... - The government grant will now be for $15,000 [previously $25,000]; & - "There has also been an increase to the property price cap for new build contracts in New South Wales and Victoria. These are rising to $950,000 and $850,000, respectively." As always, if in doubt give the team at GA Finance a call or simply call the State Revenue Office directly. #homebuildergrant #SRO #staterevenueoffice #GAFinance #FHOG #FHLDS #FHB #Construction #loans #mortgage https://www.theadviser.com.au//41072-homebuilder-extension

02.01.2022 *MUST READ - IF YOU ARE PLANNING TO #PURCHASE IN VICTORIA* STAMP DUTY CONCESSION has just been announced by the Victorian Government. "This includes a stamp duty concession of up to 50 per cent for homes valued at up to $1 million. It is for contracts entered into from 25 November to 30 June 2021.... Relief will be targeted at newly built or off-the-plan #homes, which will receive a 50 per cent waiver. Existing homes will be eligible for a 25 per cent waiver." Watch this space for more information... yet if #HomeBuilder, #FHLDS and super low home loan interest rates weren't enough to encourage the property market back to full strength... this certainly should do it! #GAFinance #mortgage #homeloans #stampduty #Victoria #lending #construction https://www.abc.net.au//victoria-budget-2020-stam/12912644