Home Loan Saint in Wantirna, Victoria, Australia | Loan service

Home Loan Saint

Locality: Wantirna, Victoria, Australia

Phone: +61 439 310 066

Address: 679 Boronia Road 3152 Wantirna, VIC, Australia

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

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25.01.2022 Beyond proud to be a part of such a wonderful community at North Ringwood FC.

24.01.2022 We are very much open for business and busy helping clients get better deals on their existing loans and preparing pre-approvals for new purchases once everything re-opens. The banks have adapted procedures to now allow everything to be completed remotely. Now is a great time to negotiate a lower rate and perhaps receive a refinance rebate from the new lender (some being thousands of dollars).

24.01.2022 CROYDON ON THE RISE- Both houses and units on the rise in Croydon. Mitcham and Chirnside Park also amongst top 20 Melbourne suburbs to increase by %.

24.01.2022 Asha and Logan have been entertaining us through iso with their fun and antics and now they want to bring the fun to you! They have some resting mask faces to help perk up your iso interactions, and some hand sanitizer too. If you are a Home Loan Saint client and would like a complimentary HLS iso pack, please inbox us your address details and we will have you masked and sanitized in no time.... If you would like to upload a pic of yourself in your mask and tag HLS, you will be added to the draw to win a $100 Uber Eats voucher (we have two to give away). Stay safe everyone and we look forward to seeing your HLS resting mask faces

23.01.2022 FIXED vs VARIABLE The gap is the largest between fixed and variable that it has been in some time. There are pros and cons of each option but with owner occupied fixed rates with 1 in front now might be a time to consider fixing at least a portion of your loan.

22.01.2022 NEW GRANTS: Whilst we still are not sure on the final details it does look like the government are going to stimulate the building industry and residential property market in some way. It will be interesting to see what the final result of this is.

22.01.2022 TO PAUSE OR NOT TO PAUSE- Hitting pause may be good idea to get your through COVID-19 but you do pay more in the long run so it needs to be considered decision to put your loan repayments on hold. I think this article clearly explains the pros and cons.

21.01.2022 We love helping first home buyers get the keys to their first home. TESTIMONIAL- Brett and his team went above and beyond to make the dream of owning my first home a reality. No obstacle was too difficult and there was constant clear communication throughout. I wouldnt use anyone else. ... J. Whelan

20.01.2022 1ST HOME BUYERS We have many clients that are 1st home buyers trying to enter the property market. There are no 'silly' questions when you deal with Home Loan Saint and we are here to help and guide you through what can be both overwhelming and exciting.

20.01.2022 MONOPOLY REMOVED IN ELECTRONIC SETTLEMENT SPACE. With greater competition one would expect service and pricing to improve which will only help the customer.

18.01.2022 TESTIMONIAL: My partner Kiera and I approached Brett when it was time to buy our first home together after hearing how he helped a few other friends secure finance around the footy club. From the get go Brett was fantastic using his industry knowledge to present some fantastic options for us. Our loan application wasnt straight forward with me being self-employed. Brett made the process easy to understand throughout which resulted in us securing finance and purchasing ou...r first home. Like to thank Brett and the Home Loan Saint team on a fantastic job and would highly recommend. -Nathan Payne

16.01.2022 GAME CHANGER IN COMMERCIAL LOAN MARKET- A lender is now offering 30 year terms and Loan to Value Ratios up to 80% with rates below 3%. This is effectively residential terms for commercial property.

16.01.2022 PROPERTY PRICE PROJECTION- No one has a crystal ball but these are interesting views from Westpacs head economist who predicts the dip in property values will not be as bad as first thought and the recovery to be strong in 2021 and 2022.

16.01.2022 MELBOURNE MOST LIVEABLE SUBURBS Some interesting results here with some less prestigious suburbs climbing the ladder.

15.01.2022 WHAT DO AUSTRALIANS WORRY ABOUT- An interesting article about the shift in focus for Australians amid the pandemic.

15.01.2022 SEA CHANGE OR TREE CHANGE? Will working from home for so long see many move to where they want to live if they only need to commute to work 1-2 days a week? Mornington Peninsula or Phillip Island anyone?

15.01.2022 WILL RATES GO BELOW ZERO? The cash rate stayed on hold today at record lows of 0.50% but some economists believe they need to into negative territory. The banks fixed rates tell us that this is a good chance.

14.01.2022 WILL THE BANKS BE ALLOWED TO LEND MORE? Currently, APRA demands a 2.5% serviceability buffer. So you may pay 2.50% but the banks work on 5.00%. The RBA has flagged the possibility of these reducing. This may reduce to the standard levels of 10-15 years ago of 1.25-1.5% buffer. This still assesses a borrower factoring in 5-6 rate increases. In our opinion this is still lending conservatively and responsibly.

14.01.2022 OFFER FOR FIRST HOME BUYERS- One of the major lenders has produced an offer to reduce the mortgage insurance costs for First Home Buyers. This will create a huge upfront saving for many.

13.01.2022 IN THIS JOB THERE IS NOTHING BETTER THAN LETTING A 1st HOME BUYER KNOW THAT THEIR LOAN APPLICATION HAS BEEN FORMALLY APPROVED AND THEIR DREAM IS NOW A REALITY. We have shared this experience with two clients today. It has been a great day.

11.01.2022 NO STAMP DUTY FOR FIRST HOME BUYERS. The increase to the base purchase price is a win for buyers in NSW. In Victoria the base level is $600k but the entry level in many areas is higher than this. Will the Victorian State Government follow with something similar?

10.01.2022 HOME OFFICE SPACE We expect home office space will become a key selling feature of properties moving forward. Maybe it will not be about location, location, location if the need to go to the city for work falls.

09.01.2022 RENOVATORS PLEASE NOTE- This scheme is going to help several of our existing clients. If you are thinking of renovating or building a new home and want more information on this and how to deal with the lenders in conjunction with this scheme please give us a call.

09.01.2022 LOAN APPROVAL TAKING FOREVER? We posted about this 2 months ago but with some lenders it has continued to get worse with staff unable to cope with volumes. Some lenders with great rates are assessing deals the same day. ... Dont miss your property settlement or miss getting a pre-approval so you cant buy your dream home. We know where the queues are short and the rates low.

08.01.2022 OPEN BANKING The banks now share information more freely with one another. This can help some potential borrowers but make it tricky for others. ... We can help identify the right lender to submit an application to give you the best chance for approval.

08.01.2022 Home builder grant details in a nutshell.

08.01.2022 15 YEARS WITH MFAA the peak industry body. Proud to have helped many clients achieve their dreams in that time.

07.01.2022 MORTGAGE RELIEF EXTENDED: This will be a great relief to some and may also dispel worries about many properties hitting the market all at once with people selling under duress.

06.01.2022 ARE YOU PAYING RENT TO SOMEONE ELSE TO RUN YOUR BUSINESS? Huge changes in the commercial lending market with lower rates and longer terms will result in it being cheaper to pay a loan on your own premises than rent on someone elses. Greater freedom to do as you wish to your premises, better cashflow and an asset to grow in value over time.

06.01.2022 LOOK TO HISTORY: What will happen to the property market? Here is a table of what happened after other downturns. It is also important to note that the number of properties on the market is 26% less than this time last year as people dont want to sell in a downturn. ... Once it turns will it turn quickly? We suspect is will go quickly from fear to fear of missing out.

04.01.2022 This is good news and will be a relief for many.

04.01.2022 HUGE NEWS!!!! STAMP DUTY REDUCTION- The biggest barrier to young people entering the market is the upfront cost. ... This waiving or reduction of stamp duty with significantly help with this. We expect this to have a big impact on demand in the lower and middle segments of the market.

04.01.2022 FIRST HOME BUYERS- We have seen an increase in the numbers of 1st home buyers looking to enter the market. Those with professions where COVID-19 is not adversely affecting their income (such as teachers, nurses and this win the construction industry) are looking to seize an opportunity.

04.01.2022 We are back and ready for a big 2021

03.01.2022 FREE CREDIT CHECK- Your credit history is a key factor in any loan application. Most people are oblivious to all of the detail on their credit history. ... We can now provide you access to your credit history before submitting an application so it is clearer about what lender to place it with and to avoid any unexpected surprises.

03.01.2022 MARKET HEATING UP---- We are hearing from our clients that competition is strong out there and the clearance rate of over 80% last Saturday points to this also. On occasion, other aspects of an offer such as a short settlement or an unconditional offer can be crucial to purchasing your dream home. ... A pre-approval can help with this so you there is certainty about what you can do.

02.01.2022 MORE RATE CUTS- Some lenders are not waiting for the RBA to cut variable rates and have cut rates on their own accord.

02.01.2022 PRICE TURNAROUND- The ANZ analyst expects a 7% plus increase in the next 12 months in Melbourne and more in other capital cities.

01.01.2022 $1 MORTGAGE INSURANCE Mortgage insurance is a cost that covers the bank and not the borrower and is effectively a once off expensive risk fee. One lender is currently only charging $1 for mortgage insurance when borrowing is at 85% of the purchase price. For a $600,000 purchase and a loan of $510,000 the mortgage insurance at this level would be over $7,000.