Hargate Advisory in Cheltenham, Victoria | Tax preparation service

Hargate Advisory

Locality: Cheltenham, Victoria

Phone: +61 3 8522 2999

Address: Level 1/296 Charman Road 3192 Cheltenham, VIC, Australia

Website: https://www.hargateadvisory.com.au

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25.01.2022 Buying your first home is exciting, but with so many messages in the market to consider, it can also be overwhelming. Here are some of our top tips for #firsthomebuyers 1. Start saving a deposit 2. Check your credit rating and repair as needed... 3. Write down a Must Have list of your wants and needs 4. Don’t skimp on home inspections. 5. Stick to your budget 6. Pick the right house FOR YOU 7. Speak to your potential neighbours to identify and possible issues 8. Most importantly be confident in the following: - How much you can afford - Your mortgage options - Finding the best rate and loan package for you - Knowing what grants or incentives you are eligible for Remember, even if you’ve decided to hold off on purchasing your first home due to COVID-19, there are still steps you should be taking NOW to ensure you’re ready to buy. If you would like expert advice in this area, our extensive experience in home lending allows us to navigate this process with you. Explaining every step bit-by-bit. Visit the website now and drop us an enquiry to get the process going (and remember, our service is free!)

23.01.2022 Success can not be achieved over night. All great accomplishments involve a systematic series of massive, determined steps. If you wish to succeed, you must plan your journey right from the start. You need to have the heart to make big decisions, sometimes even risky ones to taste the sweetness of success.

22.01.2022 THE HARGATE WAY Cut the jargon You shouldn’t need a dictionary when speaking to your adviser. We don’t believe in confusing, bamboozling and intimidating our clients with unnecessary jargon. If there’s a simpler way to say it, we’ll find it. So if your looking to move forward financially let our plainspoken, personal and passionate team help you get there faster. Enquire today via our website.

21.01.2022 Whether it’s buying your first home, growing your investment portfolio, refinancing or funding a business purchase, we know that big financial decisions can seem overwhelming. At Hargate Advisory, we’re dedicated to working alongside you every step of the way, so you can proceed with confidence and clarity. Our lending services include: First Home Buyers Investors... Property Development Refinancers Commercial Finance To speak to one of our lending experts contact us via our website today. See more

20.01.2022 At Hargate Advisory we are passionate about providing personalised service to our clients. We are proud of the extra steps we take that makes the service you will receive from us the best you will experience in the industry.

19.01.2022 Right now, most Australians are reviewing their finances from their monthly gym membership to their home loans. And, while it’s important not to make any fear-based financial decisions, it is a good time to learn what your options are; like taking out a home equity loan. In our latest blog we explain what a home equity loan is, how to determine your loan-to-value ratio (LVR), how a home equity loan differs from a home equity line of credit (LOC) and what you can purchase with a home equity loan. So if your wanting to know more about how a home equity loan can benefit you now or in the future head to our website to read our latest Insight article.

12.01.2022 Purchasing your first home is the ‘Great Australian Dream’ but for many it seems to be just that, a dream. Saving for your first home deposit can be daunting and appear out of reach but, like a lot of aspects in life it’s all about working smarter not harder. To turn your dream into a reality a little sooner we suggest taking the following steps. 1. Analyse your current spending habits - The first step you will need to take is looking at your current financial situation. Wh...at’s coming in and what’s coming out. We suggest dividing your out going expenses into categories such as bills, essentials (groceries, medicine, etc), takeaway, shopping & entertainment. This will help you identify where the bulk of your funds are going. 2. Set yourself a budget - A solid savings plan begins with a budget. Once you know where you are spending all your money it is time to work out where you can scale back. Changes to your usual spending habits can make a huge difference eg. Simply scaling your daily takeaway coffee can save up to $30 per week. 3. Get on top of your debts - The truth is that the fewer debts you have the more favourable lenders will look at you. Therefore, it is a great idea to look at consolidating your current debts and focus on minimising them as much as possible. 4. Start Saving - Ideally you want to save as much as you can. Open a separate savings account and commit to putting aside a set amount each week/fortnight/month and watch your savings grow. 5. Seek professional advise - It’s important to understand the process, know what costs are involved, what grants you may be eligible for and be confident in exactly how much of a deposit you need. If you would like expert advice in this area, our extensive experience in home lending allows us to navigate this process with you. Explaining every step bit by bit. Visit our website now and drop us an enquiry to get the process going. See more

12.01.2022 Looking to kick your financial goals out of the park? At Hargate Advisory, we’re committed to liberating you from financial uncertainty. We strive to move your finances forward with strategic and trusted advice, so you can realise the financial future you dream of. We understand everyone’s dreams and goals are unique and that’s why we offer personalised, trusted, tactical, advice whether you’re getting you’re a first home buyer or experienced investor, and everything in betwe...en. Speak to us today about arrange a free mortgage health check. Enquire now via the website

07.01.2022 COVID-19 has and will continue to negatively impact the Australian economy. Yes, interest rates are lower but other assets and notable equities are being hit. And, many small businesses and individuals are now financially struggling. So, now more than ever it is imperative to ensure that your home loan is working for you and fits your current situation. By reviewing and potentially refinancing your home loan you can :current situation. By reviewing and potentially refinancin...g your home loan you can : reduce your monthly payments consolidate credit cards, personal loans or other debts reducing your interest rate and monthly repayments unlock the equity in your home to finance a renovation or free up some capital opt to change to a fixed rate home loan Remember your needs can change just as much as the market does and our refinancing services can ensure your home loan is the right fit and is assisting you to achieve your financial goals. Enquire about our services today by visiting our website.

07.01.2022 There are many reasons why homeowners refinance their home loan debt. They may be wanting to shorten the term of their mortgage; convert from a variable rate mortgage to a fixed-rate mortgage, or vice versa; tap into home equity to raise funds to deal with a financial emergency or finance a large purchase. But, the most common reason for a refinance is to obtain a lower rate of interest (and therefore free up cash!) Whatever your reason for wanting to refinance, we can ensure you're on the right rate and home loan for your financial goals. We work alongside you to maximise your wealth, stay financially fit and align your finances with your needs today and in the future. Visit the website to submit an enquiry and we’ll call you right back.

04.01.2022 At Hargate Advisory, your success is ours. Meet the people dedicated to your financial future. We’re a strong, energetic and dedicated team with the experience and knowledge to help you achieve your financial goals. The success of our firm depends entirely on the success of our clients. If you’re looking for a financial partner who’ll go above and beyond to help you succeed, you’ve come to the right place.... Keep your money moving in the right direction with a partner you can trust.

04.01.2022 Meet Sean White - Director of Lending Our Strategy, Finance & Lending Master With over 10 years’ experience in corporate banking and 6 years in Mortgage Broking, Sean heads up our lending division here at Hargate Advisory. With an uncanny ability to sniff out a hidden advantage, Sean’s clients enjoy unparalleled access to a wide range of home loan options that often boast lower interest rates and more flexible loan terms. ... Sean holds a Bachelor of Business Systems & a Graduate Diploma in Accounting from Monash University and is a Chartered Accountant. In his role, Sean loves that he gets to spend time reading, researching and chatting with his clients about all things property. And when he’s not chasing down the best options for his clients, Sean is making the most out of self-isolation by spending the days with his wife and kids and getting active in some less-populated outdoor spots.

02.01.2022 Trusted, tailored and tactical lending advice (all from the safety and comfort of your home) At Hargate Advisory, we’re passionate about helping you reach your goals. Whether you’re looking to buy your first home, upsizing, downsizing, investing or refinancing, we’ll go that extra step to ensure you secure a home loan that’s right for you. Especially during times of economic uncertainty, like the one we are currently experiencing, it’s more important than ever to ensure you’r...e receiving the right lending advice, and your mortgage is providing as much advantage to you as possible. If you’re like most of our clients, your mortgage is your biggest expense; so make sure your home loan package is the right fit for you and your goals. Best of all; working with us virtually is easy (and safe) so jump onto our website and leave and enquiry and we’ll get back to you asap