Paulina Kwiatkowska in Geraldton, Western Australia | Loan service

Paulina Kwiatkowska

Locality: Geraldton, Western Australia

Phone: +61 488 550 203

Address: 4 Walton Close 6530 Geraldton, WA, Australia

Website: https://www.mortgageaustralia.com.au/mortgagebroker/paulinakwiatkowska

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25.01.2022 The secret way to save a Deposit - without sacrificing your lifestyle. One of the biggest challenges for many first home buyers is finding a way to save enough for a deposit. For those of us who couldn't wait to leave home and find some freedom - moving back in with parents is not always an appealing option. And if you're still in your twenties you might not feel ready to sacrifice your social life, and commit to a few years of watching movies on the couch.... Well, it might surprise you to learn that there's a secret way to save that deposit, live comfortably and still enjoy the odd dinner at a restaurant. It doesn't involve moonlighting, or donating your organs on the black market. And it might even allow you to travel a bit, or enjoy a little luxury while you watch your bank balance grow. So what's this big secret? Well, let me ask you a question first. How much do you spend per year on your living expenses right now? Not food, but costs associated with renting your place of residence. The figure should include rent, utilities, internet connection and any maintenance that you're responsible to pay for. For most couples, this figure would easily add up to about $25,000 per year. How quickly could you save a deposit if you didn't have to pay anything towards your household expenses? Pretty fast - I would imagine. That's the benefit of house-sitting. Offering your services as a house-sitter allows you to live comfortably while saving money at the same time. Let's face it - if you're looking for a house-sitter, chances are that your house is pretty nice to start with. You don't need to charge a fee for this service, because you're saving tens of thousands just by living in someone's home and not paying rent and household bills. You could experience different areas before you commit to buy in a particular suburb or town. This could give you an excellent opportunity to really research your purchase before you jump in head-first with a 30 year mortgage. Depending on your work situation, you might even be able to do some travelling, and see a bit of the world while you continue to save. If you're interested in doing some house-sitting while you save your deposit, there are a couple of websites that you can browse for opportunities: www.mindahome.com.au www.aussiehousesitters.com.au www.houseminders.com.au This concept isn't for everyone, and it might not suit those who already have a lot of nice furniture. But if you don't mind moving around a bit, and perhaps walking a dog or feeding a cat - this could be a great opportunity to save your deposit in no time at all.

23.01.2022 Would you like to improve the environmental efficiency of your home, save money on your energy bills and increase the value of your property? Our team can help arrange low-rate finance for energy efficient products. Our partners offer a fast, simple process and access to funds typically within 48 hours. Dont delay, get in touch today!

18.01.2022 Discover the 3 paths to property investment. Investing in property is something that most of us think about doing, want to do or hope to do. However approximately only 20% of Australians actually do it. Why is this still the case when we know:... our superannuation payout is only likely to pay out our mortgage on retirement, our savings won't be enough to live on in retirement, we will have to severely reduce our lifestyle AND more than likely require some form of government assistance, we need to get ahead financially now, not later, and property prices are very unlikely to be any cheaper in 10 years time? Is it because: we don't know how to take the first step, we are too scared to make a decision in case we get it wrong, we don't think we can afford it (although we've never investigated it with our mortgage broker to see if we can), our friends and family tell us it's a bad idea (and they would know because...?), I'm only renting, so how on earth can I afford an investment property, ...or is it that we are STILL waiting for the right time? Whatever the reason may be, there is more than one way to get started on the investment property ladder. Read about a few of these options with my quick guide - "Save, Equity or Super?" https://www.mortgageaustralia.com.au///savesuperequity.pdf

13.01.2022 Infrared thermography is a camera that detects the infrared light emitted by the body and captures images according to body temperature. The blue and green are...as are considered to be cooler and have less blood circulation and the warmer yellow and red ones with greater circulation. In the video it is possible to observe the cutaneous alterations (increase of the temperature and blood circulation) generated by the application of needle in the point IG4 (Hegu) Translated from Portuguese Muito Obrigado Helena for this footage Repost from @helenabmarquesacupuntura For your nearest AACMA Chinese Medicine Practitioner, call our National Practitioner Referral Service on 1300 725 334 or visit our website www.acupuncture.org.au for qualified practitioners around Australia! Ensure your practitioner (if in Australia) is qualified with a CMBA number, which means they are trained adequately, have a minimum of 1000 clinical hours of acupuncture or more as part of their health science degree & are under strict AHPRHA guidelines, also accurate in their treatment. AACMA members must have a CMBA number to be registered. #infared #Acupuncture #Bloodcirculation #Chinesemedicine

12.01.2022 Future of the baking system? Hmmm sounds very similar to mortgage brokering

12.01.2022 One little mistake that could ruin your life - and how to avoid it. There are so many things you need to organise when you purchase a property, and many buyers become quite overwhelmed with all of the paperwork, and coordinating their move. Mistakes can be made, and you might be surprised if you knew how many people forget to do a thorough inspection before settlement.... By thorough inspection, I don't mean turning the lights on and off and looking for marks on the wall. The biggest mistake that many buyers make at the last hurdle, is forgetting to measure the boundaries of the property to check that everything is correct. You might think that this isn't really a big deal - who cares if the neighbour has a few centimetres of your back yard? Well sometimes it can make or break you financially, and cause an enormous amount of stress and conflict in your life. Meet the Wilsons: The Wilson family discovered the importance of checking boundaries when they moved from their 3 bedroom townhouse to a house with a big backyard in Fremantle last year. It was a hectic time for everyone, and it wasn't easy packing up the house with a baby and a toddler to think about. When the Wilsons did their final inspection, everything looked to be in order. The vendors had left the house wonderfully clean which was very helpful. They even mowed the lawns and replaced some of the light bulbs. The couple had forgotten to borrow a measuring wheel but they took a couple of minutes to count their paces along the boundary line to see that the title was correct. It wasn't until several months later that the family was confronted by their new neighbour on the left. He'd been measuring his block to get a planning permit through the council for a possible home extension. In the process, he discovered that the Wilson's garage on the edge of their property was actually built over 1.5 metres of his land. What followed was a lengthy legal battle which was expensive and stressful for all parties. In the end, the Wilsons were forced to tear down one side of their garage and make alterations to reduce its size. They also had to remove and rebuild the fence along the left boundary of their property. This is a great example of why it's so important to do your research when you buy a property, and avoid ending up in a similar situation.

12.01.2022 How to get a loan when it all seems hopeless? Jason was 28 when he decided to start looking for his first home. A builder by trade - he had been working for the same employer for over 8 years and he had substantial savings - enough to pay a 10% deposit and cover stamp duties. He usually paid the phone bills on time, and his credit card was barely ever used.... In spite of all this, Jason was unable to get a loan through traditional lenders. The reason - a mistake from the past. Against the advice of his parents, he decided to help a previous girlfriend get car finance. She was only working a couple of days a week on a casual basis, and the finance company wouldn't approve her loan. Always the nice guy, Jason offered to put the car in his own name - and trusted his girlfriend to keep the repayments on track. When the relationship broke down a couple of years later, he was shocked to learn that no repayments had been made on the car for several months. To make matters worse, the news came from a grumpy middle-aged man who arrived early one morning trying to repossess the car. A few years on, Jason was growing increasingly frustrated in his search for a home loan. Finally, he found a Mortgage Broker who suggested a 'Non-conforming' loan. Although the interest rate wasn't brilliant, Jason was finally able to get his foot in the door. The lender also offered to review the loan conditions after 12 months, if all of the repayments were made on schedule. With the help of a non-conforming loan, Jason was able to realise his dream of home ownership, despite having a bad credit record. Non-conforming loans are designed for people who don't conform to the traditional criteria used by lenders to assess a loan. Some borrowers have a bad credit history, and others might be struggling to get approved because they just changed jobs. Sometimes, even people who have previously been declared bankrupt can still be approved for a non-conforming loan. Importantly, there is a big difference between 'Non-Conforming Loans' and 'Low-doc Loans'. While non-conforming loans are designed for people who have an imperfect credit history, low-doc loans are designed for the self-employed. Low-doc loans are often quite strict - borrowers usually need to have a 20% deposit, and a very healthy credit history to get approved. Lenders usually charge a much higher interest rate for non-conforming loans. The good news is, many lenders will agree to review your rate after a set amount of time, providing that you meet all of your repayments. Whilst it's never a good idea to take out a home loan if you can't afford to repay it, non-conforming loans can be very helpful when your financial position is good now - but your past credit mistakes continue to haunt you.

09.01.2022 "You're a parent whose grown up kids want to buy their first home. And because you want the best for them, you probably also want to ensure that they get the correct advice before they sign anything." A truer word has never been spoken. ...and I think the best start for first home buyers is to talk through their options with someone who has done it before as well as someone who is directly involved with the process every day.... If you are a parent whose children have grown up, you've probably bought a home before. I'm helping people buy their home every day, it's my job. This means, together, we are well qualified to point your young adults in the right direction when it comes to buying their first home. So, why don't we catch up with your kids and discuss their options together. Between us, we should be able to provide helpful advice and motivation along the way. I provide home loans for just about everyone and every situation so why not try me out? It doesn't usually take long and the privacy act ensures our conversation is entirely confidential. A cuppa and a chat. It could be as simple as that.

02.01.2022 How long do you think it takes Australian households to throw away one tonne of plastic waste? #WarOnWasteAU