Holly Mackie in Perth, Western Australia | Financial consultant

Holly Mackie

Locality: Perth, Western Australia

Phone: +61 418 913 831

Address: 49 Boas Ave, Joondalup, WA 6027 6027 Perth, WA, Australia

Website: http://mortgage-express.com.au/holly-mackie

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25.01.2022 Here are 3 things you need to know about home loan pre-approvals: 1. Types of pre-approvals 2. Multiple pre-approvals can hinder your result 3. Pre-approvals expire... The pre-approval process is a relatively straightforward one but its worthwhile securing the services of a Mortgage Express broker to walk you through the application process step by step. Talk to me about your pre-approval before you go house hunting. #Preapproval #AusMortgage #MortgageBroker http://ow.ly/lOUD50ACnb5

25.01.2022 6 options for borrowers whose mortgage holidays are coming to an end Wondering what to do next? Here are a few potential options. #MortgageHoliday #AUSFinance #MortgageBroker... http://ow.ly/187O50CeQwV

24.01.2022 For Australians with good financial standing, the current market conditions are still ideal to purchase a home. The low cost of debt remains a key factor supporting housing demand and helping insulate housing values. Read on to find out why it's still a good time to buy a home.... http://ow.ly/78CJ50Bw6Mh

24.01.2022 5 Tips for Tax Time From Mortgage Express: 1. Collate your paperwork check that you have copies of all receipts and tax-related paperwork that you need to submit for your tax return. That includes records of donations, educational expenses, receipts from any investment property expenditure, and any outgoings and incomings relating to work. 2. Take note of the days worked from home and the hours worked each day. Know how much you can claim Using the ATO website, working ou...t how much youre entitled to for home office expenses. 3. Make extra payments you can further reduce your taxable income by making voluntary contributions to superannuation or to HECS debt. Consider making extra payments for work-related expenses that are tax deductible in this financial year. 4. Know the rules and deadlines Use the ATO website to guide you when you lodge your tax return, and remember you can lodge up to 31 October for the previous financial year which runs from 1 July to 30 June. 5. Seek professional advice if in doubt, talk to a registered tax agent or accountant about what youre entitled to claim on your tax return. These costs are also tax deductible and invaluable. #TaxTime #AusTax #Tax2020 http://ow.ly/RASE50AwhHk

23.01.2022 Thousands of Australian mortgage holders took up the offer of a mortgage repayment deferral when the COVID-19 pandemic hit in March 2020. Since then, banks have deferred approx. 780,000 Home Loans, totaling a massive $236Bn. The big question now is what happens to those mortgages when the six-month deferral was meant to run out in September this year? http://ow.ly/WKc050AIxDR

22.01.2022 In these uncertain times, its not surprising so many Australians are being tempted by debt management firms promising a quick-fix solution, an end to crippling debt, and a way out of potential bankruptcy. Unfortunately, many of these businesses operate with little to no financial experience and no regulatory oversight, and their solutions can leave many people worse off in the long term. If youre considering seeking a financial solution to your spiralling debt situation, ...its vital you heed this warning. http://ow.ly/Vdd750B6RfX

22.01.2022 Low interest rates are here to stay according to the Reserve Bank of Australias governor Philip Lowe and economists. For those who remain in stable jobs, lower interest rates hold huge opportunities to pay off debts faster. For first home owners entering the market its also good news as property prices fall or remain stagnant in most capital cities.... It's also a good time for homeowners to consider asking their lender for a better deal. Talk to me first if you need advice around reviewing your mortgage, applying for a mortgage as a first home buyer, or shopping around with a view to refinancing your existing mortgage. http://ow.ly/7Wt650Bd3rz

22.01.2022 Are you a small to medium business? Have you taken advantage of the Australia Government's Coronavirus SME Guarantee Scheme? Already more than 15,600 businesses have accepted loans worth $1.5 billion. While the initial phase of the scheme remains available for new loans issued by eligible lenders until 30 September 2020, Treasury has now revealed the scheme will be expanded further. From 1 October 2020 until 30 June 2021, the maximum loan size will quadruple from $250,000 per... borrower to $1 million per borrower. The maximum loan term will also increase from its current three-year limit, to five years. SMEs will be able to access the scheme to use loans for more than just working capital (so that a wider range of investment can be funded) and secured lending will be permitted (excluding commercial or residential property). Get in touch with me if you have questions about the Coronavirus SME Guarantee Scheme. http://ow.ly/FH7S50AUStY

21.01.2022 Its Spring: 4 Reasons Why We Feel So Good Now If youre feeling an extra spring in your step, youre not alone! Scientists tell us that the start of spring can radically improve your mood and that spring fever is not as crazy as it sounds. Not convinced? Take a look at these 4 reasons why you might be feeling so good now.... Warmer, Longer Days Sunshine Vitamin D Blooming Flowers Get Outside Read the full article here: http://ow.ly/7PGp50BpwUP

18.01.2022 Wouldnt it be great to jump out of bed in your pyjamas to grab a cup of coffee before returning to read your emails? Well, for those of us who have been 'living the dream' over the last few months, the reality can be quite different! Let's talk about how we adapt and even thrive in this new work environment... #WFM #WorkFromHome #MortgageBroker #TaxTime http://ow.ly/hCxr50ACngH

17.01.2022 Big banks unveil additional COVID-19 support: The banks will be offering options aside from deferrals to ease the financial difficulties of the most impacted borrowers, but have urged customers who already have the financial capacity to resume paying for their mortgages. http://ow.ly/njD550AIy4q

17.01.2022 The Ultimate New Home Buyer Checklist: Your go-to list of what you need when moving into a new home or #firsthome. #RealEstate #MortgageBroker #AUSFinance http://ow.ly/jZ5u50Cl3mX

17.01.2022 Who doesn't love a holiday? And after the year that was 2020, it's not surprising so many of us are hanging out for the next holiday. Here are some of the fun holidays the MX team have got planned this year. Where are some of the places on your holiday bucket list for this year? #Holidays #TravelinAus #Australiatravel #AusHoliday #FamilyHoliday #Roadtrip http://ow.ly/YH9d50Eh7Ab

16.01.2022 Is it time to resume your mortgage repayments? In this article, let's take a look at: What mortgage holidays/deferrals are... What the banks have said about mortgage deferrals The case for resuming your mortgage repayments The case against resuming your mortgage repayments The case for refinancing your mortgage #MortgageDeferral #MortgageHoliday #MortgageBroker #AusFinance http://ow.ly/r2jD50AUSrr

16.01.2022 Around one in 10 mortgages in Australia has been granted temporary repayment deferrals, according to the latest data from the Australian Prudential Regulation Authority (APRA). But homeowners who wish to defer their mortgages should be aware of what happens to their loans. While a repayment holiday allows borrowers to skip paying for a certain period on time, they will still be charged interest. These accumulated interest costs will be spread out on the remaining life of the ...loan. For home loan advice, get in touch with me. http://ow.ly/EGES50AUSnL

16.01.2022 In the wake of COVID-19, banks have changed the way they interact with customers, including how they do lending. A number of key innovations include things like online mortgage applications, video calls instead of face to face meetings, and electronic documentation rather than the usual paper-based option. Find out here how obtaining a mortgage has changed in recent months and what you can expect when you apply for your next home loan. #AusMortgage #HomeLoan #MortgageBroker... http://ow.ly/xPPd50ACnhB

16.01.2022 Do you need help navigating your finances? As with all things financial, its vital you seek advice sooner rather than later. If you are concerned about resuming your home loan repayments at the end of September, we urge you to talk to your bank or mortgage broker about your options. Contact me for financial advice - private message me or comment below and I'll be in touch.... http://ow.ly/AfjM50B0SEN

15.01.2022 Home trends come and go, but social distancing and staying at home have ushered in a new way of lifeand some of those changes have spurred home trends that are likely to stick around well past the COVID-19 era. Here are some of the real estate and design trends people have latched on to during the pandemic that will likely have staying power for years to come. http://ow.ly/HL0l50Cl3i7... #RealEstate #MortgageBroker #AUSFinance

15.01.2022 Combined with the existing First Home Owner Grant and duty concessions, the federal HomeBuilder Scheme and state Building Bonus package could see eligible first home buyers in Western Australia receive between $44,000 and almost $70,000 in stimulus if they sign a contract to build or purchase a new property under construction before 31 December 2020. While this presents a great opportunity for first home buyers to enter the market, buyers should be careful not to overlook the risks and cost of building or buying in the wrong area. http://ow.ly/RLaa50Bjuns

15.01.2022 How long does a mortgage pre-approval last? What are the types of pre-approvals? Why should you get a pre-approval? How can you get a pre-approval?... Find out here http://ow.ly/bBqD50ACndV

14.01.2022 More #FirstHomeBuyers are taking up Government's HomeBuilder Grant buying vacant land to build a new home on. Under the package, a $25,000 grant will be available to owner-occupiers substantially renovating or building a new home from 4 June to 31 December 2020. Got questions about HomeBuilder? Check out these FAQs.... http://ow.ly/YHHk50AUSHy

13.01.2022 Buying a #firsthome or new home? Here's what to look for at an open inspection, inside and outside the property. #RealEstate #MortgageBroker #AUSFinance http://ow.ly/KPbi50Cl3jR

12.01.2022 Thinking of getting yourself your own home? Before you dip your toes into the mortgage pool, make sure you're ready to have your finances checked for a pre-approved home loan. Here are some of the most common documents you'll need to have handy when you apply for a pre-approved home loan: #Preapproval #homeloan #AusMortgage #MortgageBroker... http://ow.ly/Lu0S50ACnna

11.01.2022 Doing your tax this weekend? If so we've got some great tax tips for you on what to do and importantly what not to do. #TaxTime #AusTax #Tax2020 http://ow.ly/nxR550AwhDz

10.01.2022 Heard about "rentvesting"? A heated Australian property market has prompted many first-home buyers to reconsider rentvesting - parking their money in an investment property while they continue to rent in their desired location. #FirstHomeBuyer #RentVest #InvestmentProperty #Investinginproperty #PropertyInvestment... http://ow.ly/3ffG50EaC7O

10.01.2022 What is the First Home Owner Grant, and what grants and concessions are currently on offer to first home buyers in your state or territory? Check out Canstar's handy guide to first home buyer grants in Australia by state. #FirstHomeBuyer #FirstHomeOwnerGrant #AusFinance #Buyingafirsthome... https://www.canstar.com.au/home-lo/first-home-buyer-grants/

10.01.2022 What Would Happen if Australia Had Negative Interest Rates? #InterestRates #MortgageBroker #AUSFinance http://ow.ly/SXKz50Bw6Jn

10.01.2022 If you are looking to buy your first home, choosing the right mortgage can seem like a navigating a minefield. Should you go it alone or get a mortgage broker on board to help you? Using a mortgage broker can save you a multitude of headaches. Firstly, they can guide you on what you need to get together to support a successful application to the bank.... They can also help work out how much you can afford, and by asking you the right questions about your lifestyle and financial goals, they can help you choose the right home loan for you. Get in touch with me if you need help navigating the mortgage minefield! http://ow.ly/tgyW50Bd3nw

09.01.2022 #HomeBuilder Drives Increase in Land Enquiries We're seeing more #FirstHomeBuyers taking advantage of Government's HomeBuilder stimulus package. If you have questions about Homebuilder, drop me a line. http://ow.ly/BzwN50B6RjO

09.01.2022 As Australian home lending falls out the window, theres no shortage of owners negotiating their existing loans down. The latest ABS figures show 33,712 owners refinanced in the month of May, around a quarter higher than April and around 50% above normal levels. Nearly two in three of those were switched from one lender to another, as customers voted with their feet for the best deal.... Considering refinancing your home loan? Talk to me first about your options. http://ow.ly/cyTK50AIy6j

09.01.2022 Before applying for an extension to your mortgage repayment "holiday", weigh up all of your options. #MortgageHoliday #COVID19 #MortgageBroker http://ow.ly/2YCY50CeQxF

08.01.2022 First homebuyer tips: Get pre-approval Consider a guarantee Remember to inspect - building inspection, pre-settlement inspection... Get instructions and warranties for chattels and appliances Insure your new home! Read the full article here: http://ow.ly/Mk8q50BjuhH #FirstHomeBuyer #AUSFinance #MortgageBroker

07.01.2022 What Happens When Your Mortgage Repayment Deferral Ends? As with all things financial, its vital you seek advice sooner rather than later. If you are concerned about resuming your home loan repayments at the end of September, I urge you to talk to your bank or talk to me about your financial options. Banks are aware that some customers may need further support and have already begun talking to customers about how to manage mortgage repayments come September when the mortgage... deferral scheme is meant to end. There is help available! #MortgageBroker #HomeLoan #AUSMortgage http://ow.ly/HWWE50ACnib

07.01.2022 Considering buying a rental property or a holiday home in Australia? Here are some the pitfalls to look out for and avoid, thanks to #MichaelYardney. Property Investment For Beginners 10 Common Mistakes. #PropertyInvestment #Investinginproperty #RentalProperty #PropertyInvestor http://ow.ly/XuTu50Eh7wP

07.01.2022 A reminder that there is financial support available to help you manage the financial impact of the coronavirus (COVID-19). Take a look at these Government initiatives available in Australia: JobKeeper Payment... Early access to super Reduced drawdown and deeming rates for retirees HomeBuilder grant COVID-19 support in your state or territory http://ow.ly/59CM50B0Syi

07.01.2022 Are you thinking about selling your home, but concerned about the timing? It is always difficult to know whether now is the right time to sell, only hindsight will let you know if you made the right choice. However, if you are currently weighing up if now is a good time to sell, there are a few fundamentals you need to make sure your property hits the ground running.... Get ahead of the game with these handy tips. http://ow.ly/jdV150B0SGZ

06.01.2022 8 tax deductions you may be able to claim at tax time: Home office expenses Vehicle and travel expenses Clothing, laundry and dry-cleaning... Education Industry-related deductions Other work-related expenses Gifts and donations Investment income Read the full article here to find out if you qualify for these tax deductions. http://ow.ly/TV9o50AwhF4

06.01.2022 When did you last check in with your lender to make sure your interest rates are still competitive in the current market setting? While the Reserve Bank of Australia will likely keep the cash rate at 0.25% over the rest of the year to help boost spending and support the economy amid the COVID-19 outbreak, lenders might still offer rate cuts to new mortgage applications, making it a must for borrowers to check in with their bank. All owner-occupiers should now be paying a rate... in the low 'twos' and saving more than 1% on a variable loan. On an average loan, this saves hundreds of dollars a month. Talk to me if you need a review of your mortgage - I can help you determine if you are paying the lowest interest rates and help you explore options if you're not. http://ow.ly/v47A50Bd3ph

06.01.2022 Australia's big banks gave households some breathing room earlier this month when they announced hard-pressed borrowers will be granted a further four months before they have to start repaying their loans. If you need home loan advice, please get in touch. http://ow.ly/gaR550AIy2g

06.01.2022 If you're looking to trade up or down in the coming months, you're picking a good time - but so are many others. Here's what you should remember when you head out to buy in the springtime. 3 Things you need to know about the spring selling season... http://ow.ly/WN8G50BpxgE

05.01.2022 Having a home loan pre-approval in place before you go house hunting puts you in the best position to buy a property. Not only are you signalling to sellers that youre ready to move with pre-approved finance to show youre serious, a pre-approval can significantly improve your bargaining power too and is essential if you want to bid on a property at auction. Not sure where to start? Here are 4 steps to securing pre-approval. http://ow.ly/vTms50AIxZC

04.01.2022 Buying a home is for many Australians a rite of passage and a significant milestone. But it can also be an overwhelming process and incredibly challenging if you dont know where to start. So that you can navigate the home buying process from start to finish, and make informed decisions along the way, weve compiled 3 useful tips for first home buyers. #FirstHomeBuyer #FirstHomeLoanDeposit #MortgageBroker... http://ow.ly/jBHv50ACng9

04.01.2022 While the thought of retirement might be exciting, for many its also fraught with some concerns, particularly around affordability. The days of relying on your super or the Government old-age pension are no longer the norm, which is why having a retirement plan in place is a non-negotiable. Investing in property could be the kickstart your retirement plan needs to supplement you in leaner times. But before you jump in, take a look at the pros and cons of property investment. http://ow.ly/7Zns50AIxY9

03.01.2022 Foreign citizens, Australians living overseas, temporary residents, and New Zealand citizens can buy investment properties in Australia, but there are rules and regulations around the type of house they can buy. Whilst lending policy for non-resident home loans differs from bank to bank, a number of non-bank lenders offer competitive financial products suitable for non-residents who want to purchase, build, renovate, improve or refinance a residential property. Read on to fi...nd out more about non-residents buying property in Australia. https://www.mortgage-express.com.au//lending-options-for-n #Non-ResidentLendingOptions #PropertyInvestment #InvestinginProperty #AUSFinance

02.01.2022 8 tips for buying a home: Do your own research to find out if your target suburb is hot or not. Be very clear about what matters to you. If your target suburb is out of budget, consider more affordable neighbouring suburbs.... Cooler periods in the housing market can be windows of opportunity. Talk to the experts. A mortgage broker can help you get the right finance! Get in first - keep a step ahead of other buyers. Monitor close to home. Inspect smartly. Read the full article here: http://ow.ly/5NtA50Bpxia

01.01.2022 Gilbert Enoka ONZM has been inspiring sporting greats like the All Blacks, Silver Ferns, Canterbury Crusaders and the Black Caps, for over 20 years. Closer to home, Bert has worked alongside Mortgage Express and Harcourts in his role as Director of Harcourts International, challenging and helping drive to greatness the team in Australia. Mortgage Express CEO, Vicky Devine recently caught up with Bert to talk about his personal journey over the course of the past few month...s. Read the full article to find out Bert's insights and learnings from the COVID-19 lockdown. #COVID19 #MortgageBroker #AusProperty http://ow.ly/C4kC50B6Rh8