I Finance Solutions in Carrum Downs, Victoria, Australia | Mortgage brokers

I Finance Solutions

Locality: Carrum Downs, Victoria, Australia

Phone: +61 400 050 282

Address: 26 Ethereal Way 3977 Carrum Downs, VIC, Australia

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

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24.01.2022 Trend alert: offset accounts It's not exactly the hottest Parisian fashion fad, but Australians have recently been trending towards putting more money into their offset accounts.* What is an offset account? It's a transaction account that's linked to a mortgage account and it reduces the interest you pay on your loan. That's because you only pay interest on the difference between the amount of money in the account and what's left to pay on your mortgage.... For example: let's say you owe $350,000 on your mortgage, and you have $50,000 in a savings account. If you move that $50,000 into a full offset account, you’ll only pay interest on $300,000. Want to find out more? Call 0400 050 282, email [email protected] or DM us. *Source: RBA #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

24.01.2022 Ever thought about becoming a 'property investor'? It's not as out of reach as you might think. In fact, 43% of Australian property investors own 2-4 properties, whereas 19% own 5 or more*.... So if you've ever thought about making the leap from homeowner to property investor, or if you want to add to your property portfolio, call 0400 050 282, email [email protected] or DM us. * 2020 PIPA survey #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

22.01.2022 Ever thought about adding a granny flat to your property? Did you know that building a granny flat out the back of your property could boost the value of your home by 30% and add around 27% to rental income?* (not to mention help keep the in-laws at arm's length!) On average, constructing a two bedroom granny flat requires an initial investment of up to $200,000, while a one bedroom dwelling usually costs around $120,000. ... If you've thought about building one for a while and need finance, then call 0400 050 282, email [email protected] or DM us. *Source: CoreLogic and Archistar #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

22.01.2022 Could your home be greener? Research shows that properties with high energy-efficiency ratings typically sell for up to 10% more*. Installing rainwater tanks, solar and batteries are some great ways of boosting your property's green credentials, as are improving insulation and draught sealing.... Have you been considering boosting your home's energy efficiency? If so, call 0400 050 282, email [email protected] or DM us. *Source: University of Wollongong #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize

21.01.2022 Think home ownership is out of reach? Think again! The First Home Loans Deposit Scheme is allowing thousands of young Australians to purchase their first home with just a 5% deposit while not paying Lenders Mortgage Insurance - which can save you thousands and thousands of dollars. 20,000 applicants were accepted for the scheme in rounds 1 & 2, so you won't want to miss out on round 3.... But you've got to be quick - as the places fill up fast. So if you're ready to make your home buying dreams a reality, call 0400 050 282, email [email protected] or DM us. #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

21.01.2022 Time for a new set of wheels? With COVID-19 putting pressure on household budgets and reducing the number of new cars imported to Australia, demand for used cars is at an all-time high.* As a result, second-hand car prices are pretty strong. ... So if you're on the hunt for a second-hand car, but don't have the cash to pay up-front, get in touch to find out about your financing options. Call 0400 050 282, email [email protected] or DM us. *Source: Moody's Analytics #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

20.01.2022 Have you had to dip into your savings due to COVID-19? If so, you're not alone. A recent study suggests a third of Australians have dipped into their savings this year due to the pandemic.* Rest assured though there are ways we can help you reduce your monthly expenses, including refinancing your home loan.... If you'd like to find out more, call 0400 050 282, email [email protected] or DM us. * MyState Bank survey #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

19.01.2022 Comparing Apples with Apples? Now is a great time to compare your home loan with others on the market. Does your interest rate begin with a 2? Is your mortgage still the best product for your current needs? I can do the hard work for you and potentially save you thousands and years off your mortgage. Call 0400050282 for a free home loan health check.

19.01.2022 How long does it take a First Home Buyer to save a deposit? The short answer is around 3 to 6 years, depending on where you want to buy.* If you're just itching to enter the market your best bet is Darwin, where it takes an average 3 years 1 month to save a 20% deposit. In Sydney you'll have to be most patient - waiting about 6 years 6 months to get the cash together. ... But the good news is that wait times are expected to go down, thanks to lower interest rates, reduced investor activity and generous government incentives such as the first home loan deposit scheme. So if you're saving for your first home, call 0400 050 282, email [email protected] or DM us. You may be closer to a deposit than you think! * Domain #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

18.01.2022 Considering refinancing? Don't forget to prepare for a valuation! Aussies are refinancing in record high numbers at the moment,* which makes it a good time to talk valuations. That's because when you refinance your home loan, your lender will arrange a valuation to estimate what your property is worth. And it's important to be prepared because as many as 1 in 7 home owners* are unsuccessful in refinancing their mortgage because the value of their property has fallen. ... So here are four ways you can prepare for a valuation: 1. Spring clean! Whether you do it yourself, or hire professional cleaners and landscapers, make sure your house's interior and exterior are looking spick and span. 2. List your property’s features: make a list of the best things about your property and give it to the valuer, just in case they miss that newly-installed double garage. 3. Local community developments: share a list of any upcoming community developments, such as a public transport hub or you-beaut bike path. 4. Dig out some paper work: if you have building plans, council rates notices and/or land tax valuations, make them available to the valuer. To discuss refinancing, call 0400 050 282, email [email protected] or DM us. *Sources: ABS, State Custodians #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize

17.01.2022 Online auction tips The world has changed drastically since COVID-19 struck, and auctions have not been immune. Even as the economy opens back up, it seems virtual auctions are here to stay. Here are four tips for purchasing a property in the virtual world:... 1. Familiarise yourself with the process - observe an online auction before you're ready to purchase. 2. Register to bid on the property of your choice - you'll typically need to provide ID. You may also need to download an app or allow for a hold to be placed on your credit card. 3. Get pre-approval before bidding. 4. Check your internet connection is stable and fast enough. Have a backup plan. To line up finance before your next property goes under the (virtual) hammer, call 0400 050 282, email [email protected] or DM us. #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

17.01.2022 Beating mortgage stress in 2020 2020 hasn't exactly been the greatest of years. And for 40% of Australian households*, it has been a time of mortgage stress - with outgoing costs exceeding income. If you're feeling the strain, we may be able to help you:... - refinance to lock in a lower interest rate - consolidate your debts, which could save you money and simplify your repayments - switch to a home loan that better suits your current needs. To find out more, call 0400 050 282, email [email protected] or DM us. *Source: Digital Finance Analytics #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

16.01.2022 How much do you spends on gifts each month? $20, $50 or 100? It turns out we're a generous bunch, spending about $100 a month on gifts, let alone the silly season itself!* What we're getting at is this: it's always a good idea to try and budget for gifts throughout the year so you can pay for them outright when the festive season arrives.... That's because you don't want to leave it all to the last minute as the banks don't look too favourably upon buy-now, pay-later transactions (like AfterPay and ZipPay) when you apply for a loan. * Financial Planning Association of Australia #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize

14.01.2022 Are you eligible for the $25,000 Home Builders Grant? If you have any questions please give me a call or you can refer to the SRO website about eligibility and making a claim. https://www.sro.vic.gov.au/own/australian-homebuilder-grant

14.01.2022 I always treat my clients like family....but this one actually is!! Congratulations Ellie! So proud of you buying your first home!

13.01.2022 What's the go with those 0% car finance offers? Like most things in life, when something sounds too good to be true, it probably is. And 0% car finance offers that dealerships spruik are no different, because they'll typically sell the car to you at a higher price than you’d be able to purchase it upfront for.... There may also be hidden charges and establishment fees that you might not find out about until it’s time to pay them. So how can we do it better? Our job is not only to get you a great loan with a low rate, but to negotiate on your behalf to ensure you pay a low price for the vehicle. We'll also make sure you're aware of all the relevant fees and charges that may be hidden in the fine print. So if a hot set of wheels has recently caught your eye, call 0400 050 282, email [email protected] or DM us. #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

13.01.2022 Best gift ever! My favorite things lollies and cocktails!!.....poor kids I cant share Thankyou so much Brooke Secombe and Steve! I hope you just love your new family home.

10.01.2022 How long would you spend looking for your next home? When you add up all the hours spent researching properties, looking up lenders and applying for a home loan, most home buyers take 44 hours (longer than a full working week) to find their dream home.* And 80% of people say applying for a home loan is the most consuming, confusing and inconvenient part.... So feel free to ask for help - we can save you time and hassle by helping to arrange your financials and guiding you through the purchasing process. To find out more, call 0400 050 282, email [email protected] or DM us. *Source: 2020 St George Home Buying Survey #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize

10.01.2022 Tempted to use Afterpay? Read this first Afterpay can certainly be tempting (particularly when late night shopping), but it can lead to consequences that linger long after the new shoe glow has faded. While the Afterpay approval process doesn't (generally) involve credit report checks, Afterpay (and its competitors such as ZipPay) is still a credit liability that needs to be disclosed when applying for a home loan. ... And with the banks pretty rigorous when it comes to approving loans these days, your next property purchase could be held up if you’ve racked up an Afterpay bill. So next time your finger is hovering over the Afterpay button, ask yourself: how will this look on my loan application? #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize

10.01.2022 This is the first lender on my panel to drop to 1.99% fixed for 3 years (comparison rate 3.10%) <80% Watch this space will other lenders follow?

05.01.2022 Is your bank charging you more for staying put? The loyalty tax is real. Statistics show that mortgage holders with older loans are typically charged a higher interest rate than customers with new loans.* For example, if your loan was written four years ago, there's a good chance you're paying an average of 40 basis points higher than you would if you had a new loan. ... So when was the last time you refinanced? To find out more, call 0400 050 282, email [email protected] or DM us. *Source: RBA #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize

04.01.2022 Would you allow pets in your investment property? While you might have some reservations about four-legged tenants, stats show that landlords who allow pets can boost their rental return by as much as 30%.* In almost every Australian capital, the median asking rent for a pet-friendly apartments is higher than for homes that don’t allow pets. ... But what do you think? Would you rent to pet owners? Or do you have a horror story to share? *Domain #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize

04.01.2022 Is now the right time to lock in your rate? The short answer is: it depends on your individual circumstances, preferences and loan. You might prefer to lock in a rate if you: ... - prefer to accurately plan your finances - are concerned you'd be unable to make repayments if rates rise - won’t suffer from FOMO if rates drop further. However, you might prefer not to lock in a rate if you: - are confident interest rates will continue to fall - don’t mind having some unpredictability in your financial planning - prefer to go with market rates. For the long answer, call 0400 050 282, email [email protected] or DM us. #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

03.01.2022 Five reasons why your home loan application might get rejected Getting rejected is never easy - especially if it's for a home loan. With that in mind, here are five common reasons home loan applications are rejected.... 1. No proof of genuine savings. 2. Your spending habits are a little too ... lavish. 3. Your credit history has a checkered past. 4. You haven't saved a large enough deposit. 5. Your employment situation isn't as stable as the lender would like. So if you're thinking of applying for a home loan soon then get in touch today - we're be happy to help you get that all-important stamp of approval. To find out more, call 0400 050 282, email [email protected] or DM us. #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more

02.01.2022 First Home Buyers!! Are you aware of the concessions and savings you may be entitled to? 1.Lenders mortgage insurance waived 2.Stamp Duty Concession 3 First home owners grant Please call me for more information or to see what you are entitled to 0400050282

01.01.2022 Want to pay off your mortgage four years faster Increasing your repayments by $50 a week could mean your home loan is paid off years quicker. Now, we know $50 is a lot of money for many people right now, but let's put it this way: by paying an extra $50 a week off the average mortgage ($400,000) you could save $46,992 in interest and pay off your home loan four years faster.* ... Even $20 a week could save you $21,281 in interest and enable you to be debt-free one year and nine months faster. Shout out if you'd like more tips on paying off your mortgage sooner or you want to discuss your refinancing options. We're always available - call 0400 050 282, email [email protected] or DM us. *Source: AMP #ifinancesolutions #homeloan #mortgage #bestfit #broker #payofffaster #savings #firsthome #refinance #investor #commercial #newhouse #upgrade #downsize See more