Iconic Finance in Adelaide, South Australia | Mortgage brokers

Iconic Finance

Locality: Adelaide, South Australia

Phone: +61 402 347 580

Add/Update information

Reviews

Tags

• Financial service
• Loan service
• Mortgage brokers

25.01.2022 Exclusive super-special interest rates just got released (very quietly!) to Brokers yesterday. These rates are not being publicly advertised anywhere else - not even the Banks own website!!! Its only available for a limited time so if you have been thinking about purchasing or refinancing, now may be the perfect reason to fast-track that plan and take advantage of some of the biggest discounts (for the life of the loan) ive seen being offered by a major bank! Heres a summ...ary of whats on offer (Standard Variable Rate under a Home Loan Package): Owner Occupier P&I from 3.39% Investment P&I from 3.79% Investment Int Only from 3.99% $2,000 Cash Rebate for Refinances (can claim multiple times - for e.g. if you refinance 5 x securities thats potentially $10,000 of effectively free money!) As an additional bonus, well even waive the 1st years Annual Package fee for you This is a Broker Exclusive offer

24.01.2022 No break for Me - Im still working everyday so feel free to PM me if you have any questions or unexpectedly sign a contract to buy a house over the festive break

24.01.2022 This poster sums it up pretty well. If youve ever been considering building, couple this new HomeBuilders grant with the First Home Owners Grant and thats $40K towards your deposit

23.01.2022 Are you one to take advantage of the Afterpay & ZipPay payment systems on offer with most retailers? Well you might want to think twice if youre also considering applying for a home loan anytime soon as these are now considered debts or liabilities when it comes to serviceability and affects your borrowing capacity with some banks

23.01.2022 At long long last, some Banks are finally accepting the $25K HomeBuilder Grant as part of a Customers deposit/shortfall. Hopefully this expands to more Banks over the coming days and weeks but this is great news if you were one of those who were hoping to be able to take advantage of the $25K Grant but weren't able to - now you can!

23.01.2022 This is just a small example to show you how your borrowing capacity can vary so drastically from bank to bank...............A couple on incomes of $30,000 each, 2 dependents, no other debts/liabilities can borrow $330,000 from Homestart compared to approximately $205,000 from one of the Major Banks! This could mean the difference between buying a bigger house for their family, moving to a different suburb, buying a newer house...Check in with me and ill assess your borrowing capacity, you might be surprised what you borrow

22.01.2022 Hot off the press, one of my Lenders just released this new rate of 3.59%. Talk about cheap!

22.01.2022 First time in almost 3yrs!!!

20.01.2022 The Reserve Bank has once again kept the cash rate unchanged today meaning rates are still at an all-time low. Many have just dropped their interest rates effective immediately so if youre paying more than say 3.69%, its time for a homeloan health check

20.01.2022 Beware, Banks are starting to tighten up their credit policies... In light of the current and expected changes to the economic environment, many Lenders are already starting to implement new credit policies to ensure they are all still meeting their responsible lending obligations. Some of the credit policy changes Ive seen come through over the past few days include employment checks to further verify that there hasnt been and wont be any change in working hours, a red...uction in the allowable commission income able to be used for serviceability and one Lender has today reduced the maximum LVR across the board down to 70% LVR. I expect there to be more Lenders heading down a similar path over the coming days/weeks. Many of these are intended to be temporary changes and will be reviewed after 3mths but if you have intentions on buying or refinancing, such changes could very well impact you and your plans. Feel free to drop Me an email to discuss whether or how these changes may impact your personal situation. Keep safe

20.01.2022 Do you have an unsecured Personal Loan you wouldnt mind getting a cheaper deal on? Well Latitude are offering to beat your current rate by up to 1% if you refinance over to them. Offer ends 18th March. PM or drop me an email at [email protected] if youre interested

20.01.2022 Looking to get out of the Rental market and into Home Ownership? With Adelaides median house prices hitting over the $450,000 mark, these brand new 3 bedroom 2 bathroom homes represent great value and affordability. Theyve only just hit the market very quietly and are due for completion in March/April 2019. https://www.turnerrealestate.com.au/property/R2-1711506 https://www.turnerrealestate.com.au/property/R2-1711495 ... If youre a first time buyer, the First Home Owners Grant is also available (to those who meet eligibility criteria of course). Contact Me privately to check your borrowing capacity and to see if you can make one of these yours!

19.01.2022 If you have just purchased or thinking about purchasing a house that is settling before the end of financial year, be sure to have everything ready so that your loan application is submitted by June to ensure the banks can assess, approve and settle on time. Each bank has their own cut-off date but the sooner you get the application in the better your chances of settling on time (its a crazy busy time for Banks at this time of the year) and avoiding any penalty interest imposed by the Vendors

17.01.2022 What a year it has been ! A heartfelt thanks to all my existing and new clients for your continued support throughout 2019 . Youve kept Me super busy (explains why Im quiet on social media) which Im incredibly grateful for but also your referrals to friends, families and colleagues do not go unnoticed and is the biggest reason for the success of Iconic Finance. May you all have a wonderful Christmas and New Years and I hope to hear from you all in 2020 (if not befor...ehand ) P.S. Although I will be taking a few days off to spend with my family and take a bit of a breather in the period between Christmas and New Years, Im still well and truly working so please dont hesitate to drop Me an email or PM me via Facebook (you wont be able to call) and ill aim to get back to you within 24hrs. Yours truly, Kim

17.01.2022 This poster sums it up pretty well. If you've ever been considering building, couple this new HomeBuilders grant with the First Home Owners Grant and that's $40K towards your deposit

17.01.2022 If youre a First Home Buyer, this offer from NAB may be beneficial to you! As you would all probably be aware, the Lenders Mortgage Insurance premium (the fee that is payable if you borrow more than 80% of the purchase price) can amount to tens of thousands of dollars. NAB recognises this and to help make it that little bit easier for first home buyers to enter the property market sooner, theyre currently offering new first home buyer customers a 33% discount off the Lenders Mortgage Insurance (LMI) premium with their NAB home loan. To take advantage of this offer contact me today

16.01.2022 Love seeing Banks help First Home Buyers get their foot into the housing market sooner! Special Offer just released today - $1 LMI for First Home Buyers Only! Eligibility and conditions apply but contact Me for more information

16.01.2022 How does 3.59% as an interest rate sound? Basic standard variable, no app fee, no settlement fee, no annual package fee, up to 95% LVR, cheap, cheap cheap

13.01.2022 Most banks require 5% genuine savings, but thats not always a possibility for various reasons. Youd be glad to know theres an alternative option, as long as you have managed to save at least $3,000 over a minimum period of 3mths, this could tick the gen savings box and you could be well on your way to buying a home. PM me or drop me an email if you would like me to have a look into your scenario a little further

12.01.2022 How do you feel about 2.94% and not worrying about any rate changes on your Owner Occupier home for the next 2yrs? Craaaaazy Low. This Australian Bank is one of only a couple that also offer a 100% Offset Facility against a fixed rate home loan. Winning on all fronts

12.01.2022 A relatively easy way to boost your Qantas Frequent Flyer points balance

08.01.2022 Owner Occupier Home Loans at a craaaaaazy low 2.94% Fixed for 2 years under a Premium Package. Heres some other features of this incredibly good offer: Application Fee No Monthly Fee Free loan splits... 100% Offset Facility on Fixed Rates (most Banks dont allow this!) Unlimited offset accounts Free transaction banking Construction loans are OK Only the one $350 annual package fee no matter how many loans you have See more

08.01.2022 I get asked this question at least once a week ......."Why use a Mortgage Broker"? Firstly, its hard for most people to choose. Which bank? Which product? What about building societies and credit unions? There are a lot of options out there, and with the Reserve Bank moving official interest rates and banks moving them independently, its an ever-changing market. Not to mention all the new products that are constantly being introduced.... With choice comes complexity. It can get tricky to navigate through it all. And it can take a lot of your time (and sanity sometimes too). Save your sanity and let me break down your options for you

08.01.2022 This has come up alot lately but not all customers realise that there is no single universal calculator that determines ones borrowing capacity. Each bank has their own servicing model and calculator specifically designed for them and if youve been told you can only borrow x amount from one bank, just remember that may not be the case with another bank

08.01.2022 Have you struggled to demonstrate serviceability in the past? Well, some Banks are making significant reductions to their Assessment Rates which means its the perfect time to re-assess your Borrowing Capacity Lower Assessment Rates = Higher Borrowing Capacity

08.01.2022 Sorry ive been a little quiet on this page! Been super busy with everyone looking to get a better deal on their home loan which has reminded me to pop onto the page to let you all know about this popular one! One of the best deals going around is an Investment Home Loan product with a choice of either P&I or IO repayments (those of you who have been following the news and rates lately will know that typically interest only and investment home loans attract a higher rate so its really hard to get the best deal when either of these options are selected). This offer is 3.99% fixed for either 1, 2 or 3yrs! Plus the first years annual package fee is waived. PM me for further details

07.01.2022 Well, this is a record low offering! Hot off the press, we have a Major Lender offering 1-5yr Fixed Rates @ a flat 2.99% . Many Customers would know that the longer you fix, the higher the rate usually is....well not in this case, all fixed periods on owner occupier securities are a flat rate of 2.99%

07.01.2022 Short of a Deposit? This is often the number 1 obstacle for most home buyers..thats why im so very excited to now be able to offer a REAL solution to help cover the gap between what you do have and what you need for that house purchase! PM or Email me for further details

05.01.2022 If you havent already considered taking advantage of the new Federal Govts First Home Loan Deposit Scheme, get yourselves registered (subject to eligibility) as it can literally save you thousands of dollars and be just the thing to get your foot into the housing market. https://www.nhfic.gov.au/what-we-do/fhlds/

04.01.2022 Never have we seen interest rates with a "2" at the front. Imagine locking in your home loan at 2.99% and knowing its staying at that rate for the next 3yrs!! Enquire today

04.01.2022 CBA just announced theyll be extending the $1250 cashback offer for P&I refinances until 3rd June 2018 (Westpac also still offering the same offer). This rebate effectively covers the fees normally associated with refinancing so theres no reason to hold you back from making the switch and putting yourself in a better position (ill help you assess whether youll actually be better off switching ). PM or email me today for a no obligation chit chat

04.01.2022 Pre-Approvals allow you to actively go house-hunting with the confidence knowing that youre likely to get the finance for the house. A pre-approval is no different to a normal home loan application, the only difference is you probably dont have a purchase contract in place (so bank wont be able to conduct a valuation on the property) but the bank would have performed a credit check and verified all the documentation provided (i.e. payslips, employment, liabilities etc) to approve a specific loan amount. Pre-approvals are usually good for 6mths provided your financial circumstances havent changed during that time. Its super easy to arrange (you just need to supply the information and ill manage the rest for you) so theres no reason to delay. PM me today

03.01.2022 Struggling to save up a deposit? How does an interest-free loan of $10,000 sound? Not many people are aware but its available and coupled with the First Home Owners Grant could get you an instant deposit of $25,000 towards your new home! The only real catch is that you must be a low income earner to qualify. PM me for more details and to check eligibility

03.01.2022 I was recently challenged by a Client to see if I could find him a better home loan deal - he was pretty adamant he had the best deal going...So you can imagine how stoked I was (and Him of course) when I managed to show him how I was able to reduce his loan commitments by over $500/mth . PM me for a Home Loan Health Check - Nothing to lose but everything to gain - 100% Complimentary & Obligation Free

03.01.2022 Who doesnt like Free Cash? Theres a few cashback offers floating around but I have to say Westpac are ahead of the pack on this one! Westpac have a $2,000 refinance cashback offer at present but if you do it through Iconic Finance, I can up the offer to $3,000 - and thats per security meaning if you have 3 houses that you want to consolidate and bring across to Westpac, I can get you a whopping $9K . The usual T&Cs apply but nothing out of the norm. Contact me today for a confidential chat

03.01.2022 If youre paying more than 3.88% for your investment home loan, its time to review and consider refinancing for a better rate. Still some cashback offers in place which will cover most (if not all) the fees/costs associated with refinancing. Constantly review rates to make sure you arent paying more than you have to!

03.01.2022 Wow, what a rollercoaster these past few days have been. No doubt the coming days and weeks will be challenging times for many of Us. COVID-19 is going to be a test every single one of us in the way we live our lives, interact with others and run our businesses. There are some tough times ahead so I just wanted to personally reach out and let you all know that if you are one of those people who think you might (or already are) struggle to keep up with your loan repayments, please reach out and ask for help. Its better to do so sooner rather than later. Stay strong and dont be afraid to ask for help

02.01.2022 Not everyone can be a squeeky clean, picture-perfect customer. Thats life and we have Lenders that understand that and will look at your personal situation not whether you tick their boxes. If any of the below apply to you, dont be disheartened because there are home loan options available to help you get into your own home or buy your next. Debt Agreements History of Bankruptcy Paid & Unpaid Defaults... ATO Debts Work Cover Income Income Protection Benefits History of late repayments on your loans Income received from Trust Distributions Non-genuine savings up to 95% LVR Private & Solicitor Debts Contact Me for a confidential no-obligation chat and we can work on a plan to get you back on track

01.01.2022 For those who havent yet gotten around to taking up the 3.59% Standard Variable rate offer - act quickly because the Lender is ending this offer next Friday the 16th February!!.