Healthy Lending in Baulkham Hills, New South Wales | Financial consultant

Healthy Lending

Locality: Baulkham Hills, New South Wales

Phone: +61 433 183 286

Address: PO Box 6861 2153 Baulkham Hills, NSW, Australia

Website: http://www.healthylending.com.au/

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• Financial service
• Loan service
• Mortgage brokers
• Financial consultant

25.01.2022 Happy New Year hello 2019Happy New Year hello 2019

25.01.2022 Did you know that your daily spending habits could be the difference between securing your loan or not? In 2018, the focus of the regulators has been the verification of income and living expenses. The reason that they are doing this is to ensure that there is a more realistic assessment of the borrower's genuine ability to repay their home loan. While the majority of your living expenses are discretionary and could be reduced before you landed yourself in any sort of financial hardship, it is now more than ever so important that you try and stick to a budget and live within your means, especially if you have plans to obtain finance in the near future!

24.01.2022 We have the news you have all been waiting for!! Unfortunately, it is not the winner of the Melbourne Cup. We can, however, tell you that the RBA has just announced that it will hold the cash rate steady at 1.5% for another month.

23.01.2022 So You want to save?? Here are 5 simple steps to keep in mind when trying to save for a home deposit. 1. Know what you are aiming for - set a figure and stick with it, it is much harder to hit a moving target. If you arent sure where to start then get in touch with us and we can give you a ballpark figure to work with. 2. Simplify everything - being busy often correlates to being expensive for the average punter. If you really want to hit that goal you may need to say no t...o some of your more expensive past times. For some people, this may be the after work drinks or for some people it may be regular concerts. You can have all the fun in the world in your new home! While it is now cliché, yes that means cutting back on the smashed avo! 3. Choose the right savings account - dont assume your current bank has the best savings account in the world. If it is going to help you reach your goal sooner, it may be worth changing banks, or at-least changing savings accounts. 4. Give yourself a break - set targets within your master target. Treat yourself to a dinner out when you reach a benchmark in your savings journey. 5. Focus on all of the positives, remind yourself why you are saving! For some, it may be the simple fact that they never have to clean for inspection again. For others, it may be that they can finally hang family pictures on the walls! If this all sounds a little overwhelming, that's okay. Saving for a house deposit is a real challenge and youre already ahead of many others for thinking about it!

23.01.2022 With a number of banks increasing their variable rates lately, how certain are you that your current home loan remains competitive?

21.01.2022 Tis the season to be debt consolidating!! If you have noticed that the credit cards seem to be getting awfully close to their limits and staying there, maybe it is time to get in touch with us, your finance specialist. Just recently, we have assisted a young couple consolidate their home loan, 2 maxed out credit cards and a personal loan and their minimum monthly repayments have actually decreased! We strongly suggested that they continue paying repayments as they where prior to the debt consolidation and this should see their home loan reduce at an accelerated rate!

21.01.2022 Sometimes it is important not to lose focus of the big picture! According to Core Logic, national housing prices are up 197% over the last 20 years despite the last 12 months seeing national housing prices fall approx. 5.6%, with the big two capital cities of Sydney and Melbourne falling 9.7% and 8.3% respectively. Dont forget, the property market is a cycle!

21.01.2022 All we can is that it is rather sad to see that the consumer is probably the biggest loser based on the recommendations made by the Royal Commission this afternoon. Ironic as they were the ones this was supposed to protect. Under one of the recommendations of the Royal Commission, the consumer would have to pay a fee likely to be in the vicinity of $2,000 to receive the same service they currently receive at no direct cost. This is good news for nobody but the big banks. If you would prefer to keep using your broker instead of having to deal with the greedy banks, please tell your friends and family about the excellent job that your broker does. We need our loyal clients to speak up now more than ever before.

20.01.2022 Do you know how much your home or investment property is worth? Generally when we ask our clients how much their property is worth they have a wild guess. Sometimes they are right, sometimes they are very wrong. Send us a message today for a free property report!

19.01.2022 Most Australians are not taking enough small steps to improve their financial position despite new research showing it is one of the top things they care about. 71% of respondents in a survey of 3000 people said that their financial position was critical to their wellbeing. The survey also revealed that when it comes to planning, most Australians have a very short term view on what they need to do. Have you ever thought about how much wealth you must accumulate over the next however many years until retirement to live the life you want too? It doesnt matter if this wealth comes from buying shares, saving cash, buying property or purely from the superannuation you build through your working life, you need to know where it is going to come from.

19.01.2022 The below graph has been sourced directly from the RBA. If there is anything that reinforces brokers bring competition to the market, it is this graph. The GFC was a horrible time for many and largely due to contracting competition/funding, the market share shifted significantly back to the big 4 banks and look what that did to their net interest margin. It was only as the smaller lenders (which can often only be accessed via brokers) got back into the game that their net interest margins reduced again. Whether you use a broker or not, all consumers benefit from our presence in the market place and you cannot argue with that.

18.01.2022 Aussies are expected to be close to $30 billion deeper in debt off the back of record spending over Christmas. According to a new analysis of Reserve Bank of Australia (RBA) data, Australians have been left with a severe financial hangover from their Christmas spending. The damage is expected to total a record high or $29.7 billion in credit card debt (up from $27.9 billion in 2017). The data also revealed that based on how long borrowers said it would take to pay off their credit card debt in 2018 and taking into account an average 55-day interest-free period, it is anticipated that the interest alone from Christmas spending will total $237 million. If you need some help in implementing a strategy to reduce that credit card debt ASAP then send us a message today!

18.01.2022 Imagine if you could text your bank to ask for a better deal! This is probably what it would look like if you could. The good news is, you can text us and ask for a better deal!

18.01.2022 Unfortunately, none of our clients have won the trip to London & the UK. The next competition will be live in just over a month, this time you can go in the draw to win a trip to Croatia!

17.01.2022 Another month, another cash rate decision! As anticipated, the reserve bank today decided to leave the cash rate unchanged at 1.5%.

17.01.2022 So, Christmas is over and most of you are probably back at work by now. Working ever so tirelessly to try and pay back off credit cards after you splurged on countless occasions over the past few weeks! What if I told you that you could potentially consolidate your unsecured debts from the holiday season AND refinance your home loan into one monthly payment that may even be less than your current home loan payment WITHOUT taking into account the unsecured debts? Lets get your year started off the right way, send us a message today if you are interested in finding out more!

15.01.2022 A recent survey has found that there could be as many as 900,000 loans reverting from interest only repayments over to principle and interest this month. If you think that your loan could be one of them, reach out for a review so that we can help you find the most suitable product going forward.

15.01.2022 Have you hit a wall trying to calculate how your going to afford the unsecured debts you have accrued this year? Send us a message, we have helped multiple clients consolidate their unsecured debts throughout the last few months. In each case so far we have refinanced the clients home loan and negotiated a better interest rate for them while increasing the home loan a little to pay out a few small debts.

14.01.2022 Will you help us this year? This year we want to help as many people as we possibly can, in order to do that, we need some help from you! What we want you to do is go onto our Facebook page and have a scroll through our recent posts. If you see something that you think could interest somebody you know, please tag them in it! Alternatively, if you dont think that the person would appreciate being tagged on our facebook page then please just give them our details along with a few reasons why you recommend us. Thank you everyone!

14.01.2022 Although the media hype around the recommendations from the Royal Commission into banking misconduct has mostly died down, it is far from over. If you support having an abundance of options when it comes to obtaining a mortgage at no cost to the consumer, then please sign and share the below petition. https://www.change.org/p/federal-treasurer-josh-frydenberg-

14.01.2022 Please sign the petition to keep competition in the mortgage industry alive. https://bit.ly/2E7jPRr

12.01.2022 Just a friendly reminder if you haven't already, head over to our new Facebook page and give it a like so that you see all of our regular content!

10.01.2022 Entries to the London & UK holiday close at 5pm! Don't miss out, you have to be in it to win it! The lucky winner will be announced at 12pm on Friday this week!

10.01.2022 Here are five reasons to consider a white-label loan other than the obvious reason that their rates are super low! A white-label loan is essentially a home-branded loan, much like the home-branded products you see in the supermarket aisles. Like these products, white-label loans aim to deliver many of the same great features as bank-branded home loans, but for a lower cost to you the customer. A trend seen in supermarkets over recent years has been not only an increase in th...e range of white-label options on offer but also an increase in the quality of those products. This trend has continued to the extent that white-label products are now frequently of equal, or near equal, quality as their branded counterparts. In the same way, banks across Australia provide unbranded mortgage products to brokers, which increases the range of options within the market and offers customers competitive rates to generate valuable savings. Ultimately, its still a high-quality product and service, just re-branded with a different name. Here are five reasons why should you consider a white-label loan: 1. Simplicity is key in white-label products, and they are perfect for home-buyers looking for a straight forward variable or fixed rate loan. 2. White-label loans are quality, cost-effective and flexible. They offer you all the features you need (like redraw, debit card access and potentially even an offset account) in a home loan, and you dont have to pay for additional features you are unlikely to use. 3. Through white-label, you essentially receive a better deal because its not branded with the name of a big bank and doesnt carry the cost of providing access to an expensive branch network that you may not need. Its like a reward for shopping around and doing your research through a broker. 4. You can only access white-label loans through your broker this means you are getting access to a product many in the market arent aware of, and you can take advantage of your brokers expertise and guidance. 5. Saving on price does not mean you are compromising on quality or service. Through white-label, you still get access to expert support teams and the facilities to give you quick turnaround times. Through our range of white-label products, we can offer owner occupied rates starting at 3.64% and investment loan rates starting at 3.89%.

10.01.2022 Do you want to learn more about property investment, if so come along for a casual discussion. Hope to see you there.

09.01.2022 These next few months can often leave a number of Families feeling extremely stressed and concerned about how they are going to keep their kids happy on Christmas morning. Its perfectly normal to want to spoil your kids for Christmas, you want them to have all the latest toys and gadgets! If you find yourself building up the credit cards or even personal loans in these months leading up to Christmas, get in touch with us. We can either help implement a strategy to help you clear those debts ahead of schedule or we can assist with the consolidation of those debts.

09.01.2022 Every customer is different, everyone is unique; that is the beauty of our world. Just because you dont have a standard set of income documentation doesnt mean you are any less worthy of a loan for your family than someone that does. If you have been knocked back by the major banks recently due to their tightened credit criteria, we have still got options for you!

08.01.2022 The mortgage broker channel has achieved its highest ever residential market share. We are now responsible for the origination of 59.1% of mortgages within the industry and it is thanks to you, our loyal clients who continue to support us year after year. This result reflects not only the trust that the public has in mortgage brokers but also the need for our services in the marketplace. We continue to offer choice to consumers and ensure solutions for a wide range of indivi...duals. Thank you to everyone who allows this to be possible, please tell your friends about what we can do for you so that we can see this figure continue to grow! Send us a message today if you need help with: Home and/or Investment Loans Vehicle & Equipment Finance Commercial Finance

07.01.2022 Any pharmacists who want to discuss what they can afford to purchase. Give me a call and we will work out what you can do. #pharmacypurchase #pharmacyownership #healthylending

07.01.2022 Today the Reserve Bank of Australia has announced that it will hold the cash rate steady at 1.5%. It has been two and a half years now since the RBA last made a change to the cash rate now. When do you think they will increase/decrease it?

06.01.2022 Congratulations to our client Bryson on the new car! Dont forget that we dont only do Home Loans, we can also help you find the best deal when financing a car. Send us a message today if you need help with: Home and/or Investment Loans Vehicle & Equipment Finance... Commercial Finance See more

05.01.2022 Time for a new car but dreading going from dealership to dealership to find the best deal? We have the solution! Message us today to find out how you could get the cheapest price possible on a brand new car by only speaking to one person!

03.01.2022 Following on from the ludicrous proposal by the CBA CEO to move to a remuneration structure that sees the consumer pay for their Mortgage, we hope that each of our clients will take two minutes out of their day to complete this survey. The survey asks a few questions about how you obtained your mortgage (direct with the bank or with a broker) and also your thoughts on that particular experience. The survey results are completely anonymous and we would love for you to share ...your feedback on our services. Your answers will ensure that all of the positive outcomes we bring to the marketplace are heard by key policy and decision makers in the crucial months ahead. Please feel free to share this post with your friends. https://www.research.net/r/BorrowerExperienceSurvey

03.01.2022 Have you heard our exciting news yet? Healthy Lending has officially rebranded to Strategic 360 Finance. Nothing changes as far as who you deal with, Scott & Josh are not going anywhere!... We have joined forces with two other brokers who had similar sized businesses to Healthy Lending and we have also moved into an office space in Norwest. The reasoning behind this re-brand is that we can hopefully spend more time doing what we love which is spending time with our clients. We would love it if you could go and give the Strategic 360 Finance Facebook page a like as you may have noticed we have been a little bit slack posting on this page and will cease all posts on this page going forward. If you have any questions at all please dont hesitate to give Scott or Josh a call, their mobile numbers will not be changing!

03.01.2022 Please go like our new Facebook page! https://www.facebook.com/s360finance/

03.01.2022 The Royal Commissions final report is a gross misrepresentation of our industry presented by an individual who shows a clear lack of knowledge on the work we do on a day to day basis. Nonetheless, finance brokers are here to stay and we will adapt to any changes that make it through legislation and we will continue to provide positive outcomes for consumers. Please sign this petition to show your support, if not for our industry at least for the sake of competition and posi...tive consumer outcomes. If all recommendations are implemented the ONLY winners are the major banks. Over the next 5 years, Westpac, ANZ, NAB & CBA stand to save $693 million, $469 million, $345 million and $285 million respectively as a direct result of the Royal Commissions final report and mainly due to the recommendation to no longer pay mortgage brokers. Again, please take a second to sign this petition and share it with your family, friends & colleagues. #supportyourmortgagebroker #brokersworkforyou https://www.change.org/p/federal-treasurer-josh-frydenberg-