Hometree in Maroochydore, Queensland | Estate agent

Hometree

Locality: Maroochydore, Queensland

Phone: +61 7 5444 2229

Address: Level 1, 55 Plaza Parade 4558 Maroochydore, QLD, Australia

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

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• Mortgage brokers
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25.01.2022 The RBA’s decision to cut rates on Tuesday to 1.25% has come as no surprise to experts. It’s the first cut since August of 2016 and it will be welcomed news to home loan customers. // ANZ moves quickly to pass on a discount, however it was not at the full amount cutting its variable rate by 0.18%. Whereas NAB went a step further and passed on the discount in full to its customers lowering their variable rate by 0.25%. // Unemployment remains a talking point to the RBA board w...ho mentioned in their post meeting statement The board took this decision to support employment growth and provide greater confidence that inflation will be consistent with medium-term target. // #sunshinecoast #maroochydore #mooloolaba #buderim #caloundra #noosa #homeloans #personalfinance #firsthomebuyer See more

24.01.2022 Albert Einstein was known for his ability to simplify complicated subjects. He once said If you can’t explain it simply, you don’t understand it well enough. // The above quote is a great one to remember! Happy Thursday. // #quotestoliveby #sunshinecoast #maroochydore #mooloolaba #caloundra #noosa #buderim #homeloans #personalfinance #investmentproperties

24.01.2022 "At the end of the day, numbers on a balance sheet wont make you happy!" New blog - 'Tortoise and the hare' http://ow.ly/eaAu301sRyV

23.01.2022 Building and selling property can be a profitable exercise. However, the premise of building and selling can have its pitfalls that need to be watched. // The tax man can take a large percentage of your profit and accounting for your personal circumstances and structure is important before you start buying and selling. // Location and current sales in that region are important to note. Make sure you are always working with conservative numbers to ensure you are happy with the... result in a worse case scenario. // Always factor in unforeseen delays. Issues like inclement weather during construction and a change in the property market can put weeks on to your estimates. Make sure you account for them upfront. // The right financial adviser, mortgage broker and property expert working together can make this process clearer and simplify the jargon. Having a team of professionals to assist you can help maximise your potential profits. #maroochydore #sunshinecoast #mooloolaba #caloundra #noosa #personalfinance #homeloans #investmentproperties #developing

23.01.2022 The Reserve Bank of Australia look to be leaning toward a rate cut in June. The RBA holds concerns regarding high levels of house hold debt and made the follow comments in their latest minutes. Nevertheless, a lower level of interest rates could still be expected to support the economy through a depreciation of the exchange rate and by reducing required interest payments on borrowing, freeing up cash for other expenditure. A number of economists and pundits are predicting ...a further cut later in the year. Our finance team are always available to discuss your position and review the suitability of your loans and interest rates

23.01.2022 A new development in a highly sought after location, Sassari Terraces are an outstanding investment opportunity located in Buderim on the beautiful Sunshine Coast, Queensland These uniquely designed Terrace homes cater perfectly for investors looking for a high yielding investment in a premium location, walking distance to the Sunshine Coast University. // Once completed, these properties will provide perfect accommodation for an assortment of people including university students, employees of a variety of local businesses including Youi insurance & health care professionals. Rental demand is high in Buderim, with a current vacancy at a low 1.12%. https://www.realestate.com.au/property-duplex+semi-detached

23.01.2022 The #sunshinecoast region loves to build businesses. A small business can allow you to create a great work life balance and who wouldn’t want that when you live in this beautiful area. This area is living through a time of high business confidence with significant investments happening in the greater Sunshine Coast district. 347 million is being spent to upgrade the Sunshine Coast airport to allow for a international terminal. 1.8 billion was spent on the Sunshine Coast U...niversity Hospital. We are lucky to call this place home and best of luck to all of those small businesses out there. #maroochydore #mooloolaba #caloundra #noosa #homeloans #propertyinvestment #property #personalfinance #money #loans #investing

22.01.2022 Refinancing your home loan sometimes falls in the too hard bucket. These great cash back deals that lenders are now offering will help you refocus to get it done. So why not call us today for a no obligation chat!

22.01.2022 These great possessions shouldn’t own your decision making. The Greek Stoic philosopher who lived during the first century was full of intellectual gems. This can be applied to your personal finances. // Analyse what you have and determine its value to you. Discard financial commitments that do not bring you joy or utility. Financial simplicity can be achieved, helping you focus on what is truly important to you. #maroochydore #sunshinecoast #mooloolaba #caloundra #buderim #noosa #personalfinance #homeloans #investmentproperty #quotesilove

21.01.2022 We recently listened to a podcast with Ramit Sethi and Matt D’Avella and I must say it was a breath of fresh air when it comes to personal finances and discussions around money. Highly recommend checking it out. The podcast name is called The Ground Up Show and Matt D’Avella is the host. The above quote was a great take away from the show. He went on to state that in life you should have areas that money doesn’t consume your thoughts. If you love it, buy it. If it makes life ...easier for you, buy it. Enjoy your life and your money. Of course within reason. I hope you don’t love Ferrari’s. Of course his main point was to ensure you have fun in life. Don’t let the money aspect consume you at every turn. Now, by the same token, if something doesn’t bring you happiness in your life and you are paying for it. Cut it out. Highly recommend listening to the podcast. #sunshinecoast #maroochydore #mooloolaba #caloundra #noosa #personalfinance #homeloans #propertyinvestment #money #queensland #podcast #advicequotes #advice

21.01.2022 Generally speaking, when we first meet with a customer the first question is - How much can I borrow? The answer to that question is we need to understand your circumstances as well as you do. Sure, we will have a general idea after asking a couple of questions, however, we will not know with certainty until we complete a full review. // Some items that effect your borrowing capacity arebelow. // How much you earn and whether or not you are full time, part time maybe even s...elf-employed. // Other financial debts such as credit cards, personal loans and car loans. // Your living expenses How much you are spending on a monthly basis. // These are just a few items that contribute to your borrowing power. The good news about all this detailed work is that we get a thorough understanding of what you can afford and also find a product that suits your needs. Speak with the team today for a no obligation review of your circumstances. // Hometree Finance Pty Ltd ABN 20 610 219 835|Credit Representative 485372 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. #sunshinecoast #maroochydore #mooloolaba #buderim #caloundra #noosa #homeloans #personalfinance #firsthome

21.01.2022 Round ups have revolutionised the way we save money in our modern world. The way it works is simple. You buy a coffee for $3.50 and your banking/investment application rounds up to the nearest dollar and saves/invests that 50 cents. Magic! Now, only certain banks and investment apps have this feature but it is well worth a look into. Saving and investing money in the background of life can be so powerful. A couple of examples would be an investment app called Raiz and a ban...k that has adopted this feature is ING. Have a look into these products and as always make sure they are right for you before diving in. Digital change working for you! Round ups. #sunshinecoast #maroochydore #buderim #mooloolaba #caloundra #noosa #personalfinance #firsthomebuyer #homeloans #propertyinvestment #savingmoney #moneysavingtips #savingsaccount

21.01.2022 Starting with why you are investing is a critical part of the process at hometree. Understanding this allows us to help and grow with you. #mooloolaba #property #finance #investing

21.01.2022 The election is finally over and you have heard your friends talking about negative gearing but what does it actually do? The above info summarises the process simply. Negative gearing isn’t for everyone, however, it can help you reduce tax and invest in future capital gain with your investment property. It can be an effective investment strategy depending on your personal circumstances.

21.01.2022 Today’s blog highlights some truths when it comes to personal budgets and really trying to help people understand WHY they have started a budget. Link below https://medium.com//we-have-all-heard-it-a-thousand-times-

20.01.2022 Is price the most important factor when buying a #propertyinvestment ? Click below for this weeks blog #mooloolaba http://ow.ly/PMUv301bSrE

20.01.2022 Creating equity with a duplex construction can be done with the right build and location. It’s important the appropriate due diligence is completed to ensure you are happy with the project even on conservative numbers. // Locations around the Sunshine Coast are currently presenting great value for duplex opportunities, in new subdivisions and in established suburbs. // Hometree Property can help deliver outstanding duplex opportunities that create instant equity with trus...ted local builders. Speak with us today! #sunshinecoast #maroochydore #mooloolaba #caloundra #noosa #buderim #propertyinvestment #duplexhouse #homeloans #personalfinance

19.01.2022 This quote from Eleanor Roosevelt is simple yet a really practical tip. Why worry about something or guess when you can plan for a specific outcome. // A plan will help you identify what you are seeking and help you create small and medium sized goals to help you get there. Hometree can help you with your plan. Whether it’s to buy an investment property or ensure you have the most suitable home loan available to you. // Some fun facts about Eleanor Roosevelt is she once flew ...with Amelia Earhart in 1933 and also completed 35 honorary degrees in her life time. #maroochydore #sunshinecoast #mooloolaba #caloundra #noosa #buderim #personalfinance #money #homeloans #propertyinvestment #firsthomebuyer #firsthome #firsthomebuyers #property

18.01.2022 Paying off your home loan faster is priority for everyone. Extra repayments off your mortgage can help you achieve that goal. // Quick example - $350,000 mortgage over a 30 year term | 4% interest rate | repayment frequency weekly. If you were to make an extra repayment of $100 per week for the life of the loan you would save $90,480 in interest and shave 9.8 years off your mortgage. // The key to extra repayments is being disciplined. Small habits can create big change.... #personalfinance #homeloans #sunshinecoast #maroochydore #mooloolaba #noosa #buderim #caloundra

17.01.2022 #friendsfriday #longevity

17.01.2022 There is a lot to consider when applying for a home loanand this post highlights one important point around Credit Cards and their effect on your borrowing capacity. // When banks are assessing a home loan, they are always looking at the application for a conservative position. For example, with Credit Cards, if you have a $10,000 limit and your balance is only $1,000, they will determine that the card is drawn to its full capacity. This results in a monthly commitment of ...around 3% of your Credit Card limit ($300) added to your application which lowers your overall borrowing capacity. // This does not mean close all your Credit Cards! Simply be mindful of the cards you have and their limits before considering a home loan application. #homeloans #finance #maroochydore #sunshinecoast

17.01.2022 APRA have recently announced proposed new changes to the serviceability assessment rate that lenders apply when assessing mortgages. // What’s does that mean for borrowers? Well, simply put it would likely increase the maximum borrowing capacity of borrowers. This is welcomed news in the industry as it will open doors for people who were previously struggling to obtain a home or investment loan. // As the quote mentions above, this will not come at the expense of borrowing st...andards set down by APRA and the industry. If you are interested in having a review of your circumstances, get in touch with Hometree Finance today. #maroochydore #sunshinecoast #mooloolaba #caloundra #noosa #personalfinance #homeloans #propertyinvestment #firsthome #firsthomebuyer #firsthomebuyers

16.01.2022 So join us - As we move towards a world where money works for everyone. Libra Advertising // Facebook launch of Libra could be a game changer in the financial sector. The short intro video ends with the above quote and promises of a brighter financial future for payments around the world.What are the key points? // Libra is a cryptocurrency, like bitcoin, and is built on blockchain technology. Security seems to be a top priority for Facebook.... // They claim to fast and stable no matter where you are sending or spending your money. // Libra will be available to anyone with an entry-level smart phone and data connectivity and they are looking to roll it out in 2020. // Would you use facebook’s global crypto currency? See more

16.01.2022 Dual Income property perfect for investors! One property, two incomes. Enquiry today through the link below. https://www.realestate.com.au/property-house-qld-caloundra-

15.01.2022 In this article, we tackle timelines when it comes to finance applications and what you can do to speed up the process. https://medium.com//how-long-do-finance-applications-take-

15.01.2022 New blog post tonight! The article highlights a few things to keep in mind when buying a property. Don’t let any unexpected costs surprise you. https://link.medium.com/N7ehOROZOV

11.01.2022 Equity can be a powerful tool when it comes to growing your personal wealth. The definition above explains how it works and a example would be you own a home worth $500,000 and you have a mortgage on that home of $200,000. The equity in your home is $300,000. // Now, what does that mean and how can I use it? Well, in some instances depending on your personal circumstances, you may be able to use your equity to help you buy an investment property without using your cash but in...stead using your equity. // There are many types of investment properties that can help you grow your wealth but as always, everyone’s situation is different and having the appropriate guidance is important. Certain properties can help minimise tax and others can help reduce debt due to their cashflow positive nature. #maroochydore #sunshinecoast #mooloolaba #caloundra #noosa #buderim #propertyinvestment #equity #homeloans #personalfinance

11.01.2022 The liberal party looks likely to form a majority government and the above quote from our newly appointed Prime Minster is good news for #firsthomebuyers Some quick info about how the new proposed scheme will work. First home buyers earning up to $125,000 per year will be eligible and if you are a couple it tops out at $200,000 combined income.... 5% deposit required Government to provide a loan guarantee on the remaining 15%. This will encourage banks to lend to #firsthomebuyers The borrowers would avoid paying mortgage insurance! The proposed scheme will need support from the banks, so more information to come. Watch this space

11.01.2022 21 Ribbonwood Street, Sippy Downs QLD is a beautifully designed family home that offers plenty of space. A large living room a sitting/tv room plus enough space for a dining table to entertain guests. This 4 bedroom home will suit a large family or those planning on having little ones in the near future. An outdoor patio that extends onto a lawn area large enough to make a small to medium sized animal companion happy. Two bathrooms with one of them being a generous ensu...ite off the master bedroom. Call Graeme today to organise an inspection on 0488 287 272.

11.01.2022 Finance lingo can be confusing and hard to follow. The above infographic summarises the term LVR - Loan to value ratio. This metric is of high importance to lenders when assessing an application. The higher the LVR, the higher the risk for the bank. Typically speaking, they would love all borrowers to have a 20% deposit/equity for a transaction, however there are solutions for lower deposit/equity loans. ... Mortgage insurance will play in low deposit/equity transactions. More to come on Mortgage insurance and how it works.

07.01.2022 House and land package, to be built, available right now in Caloundra newest estate, Aura. Call to register your interest today! https://www.realestate.com.au/property-house-qld-caloundra-

06.01.2022 Hometree is #mooloolaba based above the police beat on Brisbane Road for everything property, finance and financial planning #whatsyourstory

04.01.2022 Interest only loans can be useful to some investors to help maximise cashflow in the early stages of owning an investment property. Choosing an interest only loan depends on your personal circumstances and should be considered carefully before being utilised. // In some cases an interest only loan on an investment property can be a valuable tool to help reduce home loan debt. The surplus cash left over once the interest only repayment is made in the investment property loan c...an be used to make extra repayments on your home loan. // It is important to note that interest only rates are generally higher than variable principal and interest rates. #maroochydore #mooloolaba #caloundra #noosa #buderim #sunshinecoast #homeloans #personalfinance #firsthomebuyer

04.01.2022 Paying off your home loan faster is priority for everyone. Extra repayments off your mortgage can help you achieve that goal. // Quick example - $350,000 mortgage over a 30 year term | 4% interest rate | repayment frequency weekly. If you were to make an extra repayment of $100 per week for the life of the loan you would save $90,480 in interest and shave 9.8 years off your mortgage. // The key to extra repayments is being disciplined. Small habits can create big change.... #personalfinance #homeloans #sunshinecoast #maroochydore #mooloolaba #noosa #buderim #caloundra

02.01.2022 Should I fix my home loan or not? Unfortunately there is no easy answer to this question. Bummer right! Well, not really. The reason there is no simple answer to a question like this, is there are many different variables to each person’s individual circumstances that may effect the decision. Are you planning on selling your home soon? If so, there may be break costs associated with a fixed rate term. Do you wish to make extra repayments off your home loan? If so, there may b...e restrictions if your home loan is fixed. There are plenty of options available to customers these days, and it is in your best interest to do your research or have a professional broker/banker help you understand your circumstances. Perhaps an option for you would be to have a portion of your home loan fixed and a portion variable. There are also options available like basic home loans which are generally lower on monthly and yearly bank fees. Always remember, each person’s circumstances are different and what works for you may not necessarily work for your neighbour. Hometree Finance Pty Ltd ABN 20 610 219 835 | Credit Representative 485372 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product.

01.01.2022 Our latest blog outlines what Lenders Mortgage Insurance (LMI) is and how it works in a loan application. There are benefits and disadvantages to LMI and in the blog we outline what those are and how much it can potentially cost you. Link ... https://medium.com//what-is-lenders-mortgage-insurance-and

01.01.2022 #Maroochydore is one of Australia’s greatest places to invest in today’s market. ‘The Bright City’ Maroochydore’s newest central business district is coming and it is full of positive news for our region. Maroochydore will have Australia’s fastest telecommunications and data connection to Asia and the United States via a new international submarine broadband cable. 40% of the site will be open space and waterways.... 430 million is being spent on the new CBD and analysts predict that the population will grow from 350,000 to 500,000 by the year 2036. It’s a great time to invest in the region and Hometree has options available to suit all types of investors. Get in contact today.