ICU Finance Group | Mortgage brokers

ICU Finance Group

Phone: +61 407 998 768

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25.01.2022 Looking to save a bit of extra money on your weekly supermarket shop? Here's a list of supermarket ripoffs you should try to avoid!

25.01.2022 You’ve done the hard yards and saved a deposit, hunted down the right property and bartered a better price. The Sold sticker is all but slapped on the for sale sign. Then you realise there’s more than the agreed price to consider. If a car has on-road costs, then you might say property comes with on-street costs. Here’s a snapshot of what additional expenses you can expect when you buy a home!

25.01.2022 If you’re contemplating whether a finance broker can get you a better deal on a loan, it’s worth considering why brokers write more than 53% per cent of residential loans in Australia today! Here's 4 reasons to consider using a Finance Broker.

25.01.2022 Spring clean your finances -The best way to save money! If you find yourself struggling under the weight of financial stress, these simple steps may help you reduce the strain and boost your savings!

25.01.2022 As time marches on, situations change. Perhaps youve changed jobs? Or theres a new addition to the family? Maybe its the advent of school fees or maybe you would just like a better rate? A shift in circumstances may mean it is time to revisit your home finances. For many, the idea of refinancing a mortgage can be daunting. Fees and fixed versus variable interest rates need to be considered. The right refinanced loan might help you to pay off your mortgage faster and for le...ss, clear unhealthy debt or upgrade and add value your home, all of which are steps in the right direction. But where to start? I can help you weigh it all up! Visit my website for answers to the most common questions about refinancing, or get in touch with me on 0407 998 768. http://icufinance.com.au/home-l/refinancing-your-home-loan/

24.01.2022 Selling up and moving to a different area is more popular among residents in Western Australia (13 per cent) than other states, and most of those setting themselves property goals for 2018 are confident they will achieve them!

23.01.2022 You can walk into your nearest bank or lender, you can trawl through all the options online and apply for a loan without leaving your seat, or you can seek out a mortgage broker. But what exactly does a mortgage broker do, and why would you consider using one?

23.01.2022 When you apply for a home loan, banks and lenders assess you on a host of different criteria to determine how much they’re prepared to let you borrow. But which factors and information do they use in deciding the final figure? Here’s a sneak peek at the analysis that lenders do when calculating your borrowing power.

23.01.2022 Smashed avo generation proves financially focused, with a recent survey revealing young Australians were the most committed to saving money in 2018! 52 per cent of respondents aged 18-24 planned to save more in 2018, compared to just 16 per cent of those aged 45-64. House price growth has doubled wages over the last 10 years and young people feel locked out of the market - They are under immense pressure to match previous generations.... https://www.dailytelegraph.com.au//911d67051814e3eab8238d6

23.01.2022 Most people with a mortgage understand that refinancing can save thousands, but knowing how to do it is another thing. Great article on how to refinance your home loan!

22.01.2022 NAB will continue to hold its Standard Variable Rate for home loans at 5.24 per cent. NAB CEO Andrew Thorburn said: We are listening and acting differently. We need to rebuild the trust of our customers, and by holding our NAB Standard Variable Rate longer, we help our customers for longer.

22.01.2022 To the uninitiated, property speak may as well be a foreign language. Whether it’s talk about potential movements in the RBA cash rate or what portion of a split loan to fix, the jargon can be tricky, especially for first-time buyers. This article gives insight into what interest rates are exactly, how they're calculated, different types of interest rates and more!

22.01.2022 When it comes to buying an investment property, experts agree that the key is be informed. But it’s just as important to do your own research! Here are 5 common mistakes rookie property investors make and how they can be avoided.

21.01.2022 INTEREST RATE UPDATE The RBA has decided to leave the official cash rate on hold at 1.5%, with the last rate move back in August 2016! In making this decision the RBA looks to have taken into account the lack of economic growth in Australia, evidenced by the continued falling of house prices, a rise in mortgage arrears and a drop in the number of dwelling approvals in July.... Furthermore, the move to leave the cash rate on hold has been debated by some of Australia's leading economists, with many Australians recently subjected to "out of cycle" rate increases. The term "out of cycle" referring in to lenders increasing rates independently of the Reserve Bank - activity we saw just last week with a large number of Australia's lenders raising their rates and others tipped to follow suit. With some lenders increasing rates out of cycle recently, it is important to review your lending options regularly to ensure they remain the most suitable for your situation. If you'd like to discuss further, I'm always available to ensure you have the right financial solution for your current and future circumstances! Get in touch today [email protected] or 0407 998 768

21.01.2022 A substantial amount of Australians are abandoning their dream of buying their own house, with over a third claiming they’ll never afford a house. It’s not all doom and gloom though - Property is attainable for those who are willing to be disciplined with their savings!

21.01.2022 Crunch time ahead as interest-only lending slumps and foreign property purchases fall. A collapse in the number of interest-only loans being written by big banks is said to be combining with a drop in Chinese buyers of Australian property to create a crunch time for the economy in 2018.

21.01.2022 Saving enough money for a home deposit is still a big challenge despite improving housing and finance conditions. Here are some strategies that may help!

21.01.2022 Many Australians with a mortgage are used to record low interest rates, but experts say a rise is inevitable, making now the time to plan for a hike. So what should you do to prepare for an interest rate hike?

20.01.2022 When choosing a home loan, its important to work out the features you need from your loan and how much it will cost you in fees. ASICs Money Smart outlines the types of loans available to you, how to compare home loans and what you need to consider before you proceed!

20.01.2022 Money mistakes to avoid when moving in with your partner! CommBank have put together a list of the most common money mistakes couples tend to make and how to avoid them before you make the big move.

20.01.2022 When choosing a home loan, it’s important to work out the features you need from your loan and how much it will cost you in fees. ASIC’s Money Smart outlines the types of loans available to you, how to compare home loans and what you need to consider before you proceed!

20.01.2022 At least half of our adult population is making poor choices across their most-relied on financial products. This could be because we are overloaded with too much information and arent taking the time to understand and compare product options. Ideally you should review your household finances at least every 12 months, to make sure you are always getting the best deal.... If you haven't reviewed you finances in a while, now is the time! Get in touch with me on 0407 998 768 to discuss how I can you help you.

19.01.2022 If youre like most people, saving your money might prove difficult at times. And when youre trying to put some extra money towards securing a deposit and a home loan, every dollar counts! So here's some pain-free tips to help you save extra money, without even realising it!

19.01.2022 Putting in an offer on your first home is an exciting time! However, it’s not over once the deposit has been saved and the winning offer made. Experts have identified 5 key areas where hidden costs might be lurking, and how you can avoiding paying more than you need to!

19.01.2022 ANZ and NAB are the last of the big four to announce cuts to their fixed rates, following similar announcements from the Commonwealth Bank and Westpac. Great news for people in the market who are looking for the financial security fixed rates can bring!

17.01.2022 Question - Off the top of your head, do you know what your current home loan interest rate is? No? Don't worry, youre not the only one. A lot of people I come into contact with dont know what interest rate theyre currently paying! So what should you do about it?... If you don't know what rate you're currently paying or haven't reviewed your finances in a while, then it's time to get in touch with me! By simply reviewing your current financial situation and whether or not you are in a position to refinance your loan with a different lender (and a cheaper rate), you could be well on your way to savings hundreds, even thousands of dollars on your loan. Get in touch with me today to discuss! 0407 998 768 or [email protected]

17.01.2022 According to the latest data from REIWA, now is the best time to buy a house in Perth since 2013!

16.01.2022 After multiple consecutive quarters of house price declines and fluctuating unit prices, the Perth market is finally showing signs of growth. According to the Domain Group’s latest State of the Market report, released on Thursday, Perth’s median house price grew 0.5 per cent to $557,567 during the December quarter. However Perth’s housing market outlook for 2018 depends largely on whether the city’s economy and population track upwards throughout the year!

16.01.2022 Thinking about refinancing but not sure where to start? Visit my website for answers to your most frequently asked questions about refinancing! Whatever your circumstances, I will look for a loan thats right for you, not the lender. Send through a quick enquiry via my website or give me a call on 0407 998 768 and I will be in touch.

16.01.2022 When choosing a home loan, buyers can often experience information overload! These are the key things to consider before making a decision.

16.01.2022 9 things all first home buyers should be aware of before putting in an offer on a home

15.01.2022 Anyone who has a mortgage will tell you they would love to pay it off before the length loan term is up. Most people continue to chip away at their loan on autopilot without giving much thought as to how they could pay off their mortgage more quickly. This article gives some proactive strategies, which can help you slash your home loan term dramatically!

15.01.2022 The Reserve Bank has left official interest rates on hold for a record 26th month at a record low rate of 1.5 per cent. In making this decision the RBA looks to have balanced low unemployment, strong trade figures and increasing business and public sector infrastructure investment against continued low inflation, falling house prices and slow wages growth. Out of cycle rate increases by many lenders has also taken some of the pressure off the RBA to increase rates.... If you haven't reviewed your finances in a while, now is a great time to do so! Get in touch with me on 0407 998 768 to discuss further. More information on the RBA's decision here:

15.01.2022 To the uninitiated, property speak may as well be a foreign language. Whether its talk about potential movements in the RBA cash rate or what portion of a split loan to fix, the jargon can be tricky, especially for first-time buyers. This article gives insight into what interest rates are exactly, how they're calculated, different types of interest rates and more!

15.01.2022 Sluggish wage growth keeps interest rates at 1.5 per cent this month! The Reserve Bank has kept the official cash rate on hold for its third meeting of the year, maintaining the 20-month record low of 1.5 per cent. Mortgage rates remain close to historic lows, particularly for owner occupiers who are paying down both their interest and principal.

15.01.2022 An increasing number of people are taking control of their own superannuation and where it should be invested. If you're thinking about buying property with your super, heres some of what you need to know to get the ball rolling.

15.01.2022 One simple tip for saving money on your home loan!

14.01.2022 RBA leaves cash rate on hold at 1.5% for the 16th month in a row! A housing market in a ‘cooling off’ phase is not unexpected considering the tighter credit conditions, heightened regulatory environment, affordability constraints and subdued consumer confidence. It’s also unlikely there will be a lifeline thrown to the housing market via cuts to the cash rate. In fact, the cash rate yield curve currently indicates that the financial markets expect interest rates to remain on ...hold until after April 2019. RBA governor Philip Lowe said the low level of interest rates was continuing to support the Australian economy." Want to discuss the rate decision further? Feel free to get in touch! Why? Because even when the cash rate doesn't change, there may be different rates available from various lenders! I'm always there for my clients to ensure they have the right financial solution for their current needs and circumstances, and to ensure they are receiving the most suitable rate available! My contact details are 0407 998 768 or [email protected]

13.01.2022 Great article for anyone wondering how you can use equity to buy an investment property!

13.01.2022 Building a home for you and your family is a very exciting (and sometimes stressful) time. Don’t let your mortgage get in the way! At ICU Finance, we can help you find suitable loan options and ensure the loan process runs as smoothly as possible for you - So you spend less time worrying about your finances, and more time building your brand new home! Get in touch with me today to discuss - 0407 998 768

12.01.2022 Should customers have a home loan offset account? Interesting article outlining a few ways you can reduce the interest you are paying on your home loan with an offset account. Questions about offset accounts and how they work? Get in touch with me today on 0407 998 768 or [email protected] to discuss!

12.01.2022 The Reserve Bank of Australia decided to once again leave the official cash rate unchanged at 1.5% with it now being two years since the last cash rate move. I'd like to share today's rate announcement and the thoughts on why the Reserve Bank of Australia has made this decision. With a combination of factors including very low wages growth, high underemployment, flattening property prices and home lending and modest inflation, many experts are predicting it may be some time b...efore we see the next rate movement and it may actually be downwards. Another emerging factor is lenders making 'out of cycle' rate increases. The term 'out of cycle' refers to lenders increasing rates independently of the Reserve Bank. Gone are the days when lenders relied almost entirely on customer deposits and domestic short-term borrowing, pegged against official RBA rates to fund loans. Most lenders now have much more complicated funding structures including accessing offshore wholesale and securitisation markets. Regulatory changes designed to strengthen the banking system have also seen the amount of capital lenders are required to hold increase, which means they have had to look to more expensive sources than their own balance sheets to fund loans.

12.01.2022 For those of you who have liked my Facebook business page but don't exactly know what I do - I'm a finance broker in Perth with extensive experience in the banking and finance industry. What I I enjoy about my job the most is navigating my clients through the competitive and ever-changing mortgage landscape! I work with my clients every day to ensure they receive the right finance solution - one that suits them and not the banks.... If you'd like to know more about how I can help you with your finances, then get in touch with me today on 0407 998 768 or [email protected]

12.01.2022 Wanting to get into the property market but not sure where to start? Heard some foreign finance terms lately from friends/ family/ work colleagues but don't quite understand them? I understand that for first home buyers, the whole process can very overwhelming and daunting - But it doesn't have to be!... As a finance broker with extensive experience in the banking and finance industry, I am here to answer any finance questions you may have. Giving me a call to discuss is completely obligation free, so the only cost will be not understanding what you are getting yourself into! Arlton D'Souza [email protected] 0407 998 768

11.01.2022 A new study shows 39% of Australians struggle to make good financial decisions because they have difficulty understanding the range of options available. That's where I come in! A mortgage broker plays a crucial role in this area by giving Australians more information on the finance options available to them as well as informing and helping them every step of the way. Get in touch with me today to discuss how I can help you with your finances!

11.01.2022 INTEREST RATE UPDATE The Reserve Bank of Australia decided to once again leave the official cash rate unchanged at 1.5% with the last rate move back in August 2016. With a combination of job growth slowing from last year's frenetic pace and stagnant wage growth, the Reserve Bank have signalled that we can expect to see rates remain where they are for now. ... Many however, still expect the next rate move to be an increase with signs of improvement in the economy in the shape of strong internal trade results and improving GDP numbers.

11.01.2022 If you’re thinking about taking the plunge into the property market, it’s important to have a clear idea of your borrowing power before you start your search. Knowing how much you can safely borrow will ensure you limit your search to properties you can afford. This article outlines how to calculate your borrowing power. Having trouble working out borrowing power or just want someone to look over your finances? Give me a call on 0407 998 768 and I'll be happy to assist!

11.01.2022 Many Australians wrongly think of their mortgage purely as a liability. But for a growing family, being home loan savvy could unlock many possibilities, from paying for a renovation to helping send kids to school! Here's some tips on how to manage your home loan with a growing family.

11.01.2022 The Reserve Bank has kept the official cash rate on hold for its second meeting of the year, marking 19 months in a row at its record low of 1.5 per cent! With a cooling housing market courtesy of a crackdown on investor and interest-only lending, most experts believe rates won’t rise until some time next year. Read more about the decision here:

10.01.2022 INTEREST RATE UPDATE The RBA decided to once again leave the official cash rate unchanged at 1.5% with the last rate move back in August 2016. With a combination of retail deflation (i.e. the price of retail goods falling) and continued weak wages growth still impacting economic growth, the Reserve Bank have signalled that we can expect to see rates where they are for the time being. ... However, they have indicated that they expect the next rate move to be an increase and have expressed their concerns about the potential shock that this may cause the economy.

10.01.2022 The RBA left the official cash rate unchanged for a 16th straight meeting, the longest run of inaction in almost 22 years, saying that boosting inflation and cutting unemployment was likely to be "gradual" despite a summer of good news. Even when rates don't changed, my role as a finance broker remains the same. Lenders may have different rates available, that's why I'm always on hand to ensure you have the right financial solution for your current needs and circumstances. Get in touch with me on 0407 998 768 or send me a Facebook message to discuss further!

09.01.2022 It’s that time of year, when taking a stab at what 2018 will hold is expected of business columnists. This article explores what experts are predicting for interest rates and house prices across Australia in 2018.

09.01.2022 Kochie's financial predictions for 2018 revealed! David Koch presents his guide to the economy, the sharemarket and property for 2018 - He also looked back at his predictions for 2017 to see if they came true (Spoiler: most of them did!)

09.01.2022 As time marches on, situations change. Perhaps you’ve changed jobs? Or there’s a new addition to the family? Maybe it’s the advent of school fees or maybe you would just like a better rate? A shift in circumstances may mean it is time to revisit your home finances. For many, the idea of refinancing a mortgage can be daunting. Fees and fixed versus variable interest rates need to be considered. The right refinanced loan might help you to pay off your mortgage faster and for le...ss, clear unhealthy debt or upgrade and add value your home, all of which are steps in the right direction. But where to start? I can help you weigh it all up! Visit my website for answers to the most common questions about refinancing, or get in touch with me on 0407 998 768. http://icufinance.com.au/home-l/refinancing-your-home-loan/

08.01.2022 The start of the year is a great time to review your finances and complete some financial housekeeping for the year ahead. After some much needed R&R, 2018 is a fresh start where you can make some changes/ review your financial situation to ensure you’re setting yourself up for strong financial footing in 2018. If you need some assistance with your finances or need someone to look at the health of your current home loan, get in touch with me today to discuss - 0407 998 768 or [email protected]

08.01.2022 New research suggests that despite popular belief, millennials are keen to purchase property but do not understand how to go about it! The research conducted shed light on the role mortgage brokers should be playing in helping millennials buy homes - "They (mortgage brokers) give you a really good understanding of how much you can actually borrow. That was my first step when I was first looking. I really needed to know how much I needed to save and what was going to be the c...heapest, no frills mortgage options for me. I felt like a broker was really able to help me." If you're looking to purchase your first home but don't know where to start, get in touch with me today. I will be happy to explain everything to you in detail and will be there for you every step of the way!

07.01.2022 DID YOU KNOW? More than a quarter (28%) of homebuyers saw mortgage brokers FIRST before financial institutions when they bought a property this year, up from 16% in 2017! Results from a survey conducted in March found WA had the highest broker usage - More than a third of buyers consulted mortgage brokers when purchasing a property.... Amidst the many complexities involved in the home loan process, mortgage brokers have the ability to save borrowers time, hassle and possibly money by finding a suitable solution for their individual financial situation and goals. We also do the hard work for you and take the legwork out of the application process!

07.01.2022 Some very positive news for WA as key indicators, such as improvements in the rental market, point towards a recovery throughout the coming year. Great article, worth a read!

06.01.2022 There is still time to enter into the property market in 2018 - After all, we're not even half way through the year yet! Here are 4 steps to help you crack the property market by the end of 2018!

06.01.2022 What's best - fixed, variable or split loan?

05.01.2022 When is the best time to see a finance broker and what can you expect from meeting with them? You can see a finance broker at any stage in your financial journey. You might still be saving for your first home, wishing to use the equity in your current one, or wondering if you're still getting the right deal with your existing lender. At ICU Finance, you can make an appointment with us at a time, no matter what stage of your financial journey you're at.... We will discuss your financial situation and objectives to find out what's important to you. For example, flexibility might be important because you plan to start a family, or you may want ready access to equity for a rental property or renovations! Whatever your financial plans, we will research the market and recommend the right home loan to suit your needs. Get in touch today if you would like to know more! 0407 998 768.

05.01.2022 As the cost of living in Australia continues to rise, more people are finding themselves suffering from mortgage stress. But what does mortgage stress actually mean? And how can we avoid it?

04.01.2022 For most Australians, a mortgage is the biggest financial commitment of their lives, so knowing what to ask before taking the plunge can be the difference between fiscal success and stress. Here are some of the key questions to ask yourself and your broker before taking on a mortgage.

03.01.2022 How much deposit do I need to buy my first home? Saving enough money for a home deposit is the holy grail for first home buyers. Do you need a full 20% deposit, or will lenders let you in the door with considerably less? Heres what you should know.

03.01.2022 Interesting article in today's West Australian about the benefits of refinancing and the money you can potentially save over the lifetime of a loan. Yes, I understand reviewing your finances can be a headache and can be extremely time consuming, but that's where I come in! As an experienced finance broker, it's my job to do the hard work for you. If you haven't reviewed your loan in a while, then it's definitely time to get in touch! I can shop around and find out whether or... not you are receiving the best possible deal for your current situation. Please understand, you should only refinance if it benefits you financially and is in YOUR very best interest, not in the interest of the bank or your broker. If you'd like to chat further, feel free to send me a Facebook message or get in touch on 0407 998 768

02.01.2022 Getting the right home loan isn’t just about finding the lowest rate. It’s also important to find the right mix of features and flexibility to match your lifestyle and needs. To help you, this article looks at some popular types of home loans available today and how their features can fit your personality and lifestyle.

02.01.2022 While interest rate rises are many homeowners primary concern, have you ever considered other factors that could impact or increase your mortgage? Here are some other factors you may not have considered.

02.01.2022 If you’re like most people, saving your money might prove difficult at times. And when you’re trying to put some extra money towards securing a deposit and a home loan, every dollar counts! So here's some pain-free tips to help you save extra money, without even realising it!

02.01.2022 Not sure how you can use your equity to help purchase your next property or renovate your current home? Talk to me today about the loan options that could work for you - 0407 998 768 or [email protected]

02.01.2022 The psychology around the way you manage your money is just as important as actually doing it. The drive, the motivation, the discipline all comes from within and before any actions. Kochie looks at five habits that have the ability to change your psychology about money forever and, from there, build in other changes!

02.01.2022 While interest rate rises are many homeowners’ primary concern, have you ever considered other factors that could impact or increase your mortgage? Here are some other factors you may not have considered.

01.01.2022 There is some hope on the horizon for Perth property owners as plummeting home prices slow, with early signs the market is stabilising and may even see modest growth in 2018. We've started to see sales volumes pick up in Perth, which means there's more buyers coming into the market. Experts believe throughout 2018 we will see a slow improvement in the Perth housing market overall.

01.01.2022 Do you want to jump on the property ladder this year? If so, some clearly defined goals are a must! Check out this great article from Domain which outlines a few ways to help keep you on track.