Innovative Home Loans in Caringbah, New South Wales, Australia | Loan service

Innovative Home Loans

Locality: Caringbah, New South Wales, Australia

Phone: +61 423 345 998

Address: Level 1/191 Taren Point Road 2229 Caringbah, NSW, Australia

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

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25.01.2022 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, give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans See more

25.01.2022 A big Congratulations to our clients Marc & Labrina on the purchase of their beautiful new home in Barden Ridge! Its been a pleasure working with you and we wish you all the best in your new home! . . . .... . #innovativehomeloans #congratulations #newhome #mortgagebroker #sutherlandshire #clients #dreamhome See more

25.01.2022 Whats the difference between Variable and Fixed Loans? If you have any questions, please dont hesitate to get in touch! . .... . . . . #innovativehomeloans #sutherlandshirebroker #mortgagebroker #variable #fixed #typesofloans #finance #interestrates See more

25.01.2022 So you think you’re a trivia buff, huh? Let’s see how you go with our finance jargon quiz. . . . .... . #innovativehomeloans#financeblog #sutherlandshirebroker #mortgagebroker #quiztime #financejargon #triviabuff See more

24.01.2022 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, give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans See more

24.01.2022 One of the best agents in the shire Adam Sharp - Pulse Property Agents Pulse Property Agents

23.01.2022 Whenever we think of New Year’s resolutions, the first thing that comes to mind is a health kick. But here are three (easy) New Year’s resolutions that’ll help improve your financial wellbeing in 2021 (and not a diet or boot camp in sight!). . . . .... . #innovativehomeloans #sutherlandshirebroker #newyear #finance #financeblog #easyfinanceresolutions #homeloanhealthcheck #2021 #goals #microtransactions See more

22.01.2022 Innovative Home Loans are proud to announce the player sponsorship of Ashlee McClure at Southern Power AFC Looking forward to another successful year for Ash personally & her team.

22.01.2022 What you should know about comparison websites We've all held up the line um-ing and ah-ing over ice-cream flavours, so we know that choice can be overwhelming. Rating and comparison websites can be useful for bigger purchases - like TVs, washing machines and finance products such as home loans.... But while comparison websites can give you a rough idea of what's out there, many make money from showing sponsored links before non-sponsored links, and they usually only cover certain sponsored providers and products. How do we differ? We listen: we explore your financial goals and personal circumstances so that we can offer solutions that put your needs first, not the lenders'. To find out more, give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans

22.01.2022 Happy 1 Year Work Anniversary Shona

21.01.2022 Attention First Home Buyers & Investors! Perfect balcony & views for Don't miss out. Contact Blake Spooner - Sutherland Shire for more information.

21.01.2022 Wishing you all a safe & happy Easter! #eatallthechocolate

20.01.2022 Innovative Home Loans Property of the Week Attention First Home Buyers, Investors & Downsizers! Don't miss this fantastic opportunity! For more information contact the team at Pulse Property Agents

19.01.2022 We love receiving feedback like this! Another Happy First Home Buyer If you’re looking to purchase your first home, get in touch today! Call Lee on 0423 345 998

19.01.2022 It was such a pleasure helping Jasmine & Luke finance their first home! Enjoy your new place guys! Jasmine Quirk

19.01.2022 Innovative Home Loans is Hiring. 2021 we are looking for a Part Time Administration Manager. Please send your resume to the email address below.

19.01.2022 2020 hasnt been an easy year for many Aussie households and businesses, which makes today an important one to check in on one another. With today marking R U OK? Day 2020, heres what to say after asking someone R U OK? . . . .... . . #ruokday2020 #support #innovativehomeloans #ruok #hereforyou #readytolisten #help #care #conversation #checkin #moretosay See more

18.01.2022 We’re on the list: MPA’s Top 100 Brokers for 2020 In a year of unprecedented circumstances from record low interest rates, a global pandemic, and an economic recession, we’re so proud to have continued to provide high-level service to our new and existing clients. When we started Innovative Home Loans just three years ago, we set out to offer a service that was different to what we were seeing in the market. This recent accolade is a testament to this vision.... If you’re due to refinance your current loan, or if you’re looking to dive in to the property market, book in for a free, no-obligation call to discuss the options available to you.

17.01.2022 Congratulations to first home buyers Sarah & Joel! We wish you all the best! Exciting times ahead. Sarah Louise

17.01.2022 Thought you needed $100,000+ to get into the property market? Think again. . . . .... . #innovativehomeloans #sutherlandshirebroker #dreamhome #housedeposit #firsthomebuyer #firsthomeloandepositscheme #propertymarket See more

17.01.2022 While you were kicking your feet up over the festive season, did you flick open your phone and scroll through real estate listings in your dream location? If so, you might’ve noticed there were fewer properties for sale than usual. Here’s why........ . . . .... . #innovativehomeloans #mortgagebroker #sutherlandshirebroker #dreamhome #propertysearch #realestate #listing #theone #increase See more

17.01.2022 Free Facebook group for ALL First home buyers in Sutherland Shire . Share with your friends & join the group to get weekly tips on buying property, handy home loan advice & everything else you need to know to buy your first property

16.01.2022 We dream big in Australia. The Big Prawn, The Big Pineapple, The Big Banana and turns out we do Big Houses as well. Try and guess who we just knocked off the number 1 spot? . . . .... . #innovativehomeloans #sutherlandshirebroker #biggesthouse #finance #blog #dreamhouse #dreambig #mortgagebroker #homeloan #greataustraliandream See more

16.01.2022 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 propertys 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, give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. *Sources: ABS, State Custodians #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans

15.01.2022 The percentage of sellers dropping their asking price during COVID-19 has more than doubled in capital cities across the country. Don't miss our finance blog below for more information. . . . .... . . #innovativehomeloans #sutherlandshirebroker #mortgagebroker #finance #blog #propertymarket #discount #realestate #dreamhome See more

15.01.2022 2020 was a year we will never forget. It’s been a hard year but the support of family, relationship partners & most importantly great clients has made it the biggest year yet for Innovative Home Loans Merry Christmas & Happy New Year!... Lee Rosenfeld Samantha Byatt Courtney Rosenfeld Shona McPhail Julian Brattoni

14.01.2022 How to avoid identity theft 1. Limit the amount of personal information you make available about yourself on social media, and don't click on random email links and attachments. 2. Shop online with caution - only provide your payment details to websites that begin with "https". ... 3. Pay attention to your bank statements and regularly check for irregularities. 4. Check your credit report online to see if any new accounts have been opened in your name. If this seems like overkill, consider that one in five Australians have had their personal information stolen at some point.* And if the thieves go on a spending spree in your name - taking out credit cards, and withdrawing money from your account - you could find it mighty hard to take out a loan on your next property. *Source: Veda #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans

13.01.2022 Congratulations Blake & Brooke Its been a pleasure to help you in the process of purchasing your first property! Enjoy your new home

12.01.2022 Very excited to be a Finalist for Best All-Round Broker of the year, for the Connective Excellence Awards! A big thank you to our wonderful clients for all your support in 2020.

12.01.2022 A big congratulations to our clients Michelle & Lauro Wishing you all the best in your new home!

12.01.2022 Manage your finances with three free apps They say 'you need to spend money to make money', but that's not always true - sometimes a free mobile app or calculator is on hand. Here are some useful ASIC tools:... 1. Savings goals calculator: this tool helps you work out how quickly you can reach your savings goals, and how to achieve them. 2. First Business app: this app can help you decide if you're ready to start a business, provides tips and ideas on developing your business network, and provides a checklist for starting your business. 3. MoneySmart Cars: this app not only gives you an initial calculation of what your car will cost, it also provides ongoing cost details and helps identify any hidden costs that may be lurking under the bonnet. Homes, businesses and cars - three important areas of life, and three areas where we can assist. To find out more, give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans See more

12.01.2022 First Home Buyers Guide will be released soon. Limited guides available - Dont miss out Send us a dm with your email address & we can send it directly to you when released.... . . #innovativehomeloans #firsthomebuyer #realestateguide #musthave See more

12.01.2022 ‘Tis the season to be jolly, but it’s important to not get too carried away when using ‘buy now, pay later’ providers to fund that festive spirit. That’s because one-in-five users struggle to make their repayments, new research has found. . .... . . . #innovativehomeloans #financeblog #christmasshopping #buynowpaylater #sutherlandshirebroker #tistheseasontobejolly #bigspender See more

11.01.2022 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 give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. *Source: CoreLogic and Archistar #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans See more

11.01.2022 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 youd be able to purchase it upfront for.... There may also be hidden charges and establishment fees that you might not find out about until its 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, give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans See more

11.01.2022 Over the coming months many businesses will face a funding gap and have to make some tough decisions. Here are three questions you should start considering now. . . . .... . #innovativehomeloans #mortgagebroker #financeblog #jobkeeper #smallbusiness #businessowner #support #questions #sutherlandshirebroker #COVID19 See more

11.01.2022 Congratulations Laurinda & Joe! It’s been an absolute pleasure to assist you with your new property purchase Thanks for looking after our buyers @greggilbertrealestate

10.01.2022 JUST FINANCED THIS GREAT INVESTMENT PURCHASE IN NSW $220,000 Purchase Price $300 per week rent 6.6% Rental Yield... $38,000 Cash required Loan repayments $116 per week

09.01.2022 First Home Buyers Common Mistakes! Chatting to Sam Saad about common mistakes he sees from #first #home #buyers. Sam Saad is an executive #lawyer at Clinch Long Woodbridge Lawyers & helps all my first home buyers with their conveyancing needs when purchasing property.... What to look out for? Deposit when entering the #cooling off period when purchasing. Extra costs when #purchasing property. As a first home buyer it is important to be working with an #experienced mortgage broker & solicitor so they can work together to insure a smooth process for purchasing your property. 0423 345 998 [email protected]

09.01.2022 Snoopy snoop! Everyone loves having a bit of a sticky-beak. After all, we’re only human. And an interactive map allows you to see how much your neighbours spent on average for their first home. Check out our blog and visit the link to the interactive map . . .... . . . #innovativehomeloans #firsthomebuyers #snoop #neighbours #mortgagerbroker #finance #financeblog #purchaseprice #firsthomeloandepositscheme See more

09.01.2022 Its far from doom and gloom in the residential property market. In fact, more than two-thirds of property investors believe now is a good time to invest. . . . .... . . #innovativehomeloans #sutherlandshirebroker #financeblog #mortgagebroker #propertymarket #realestate #investment #investmentproperty #dreamhome See more

08.01.2022 How to beat mortgage stress Let's be real: 2020 has been a bit blurgh! For as many as 40% of Australian households, 2020 has been a time of mortgage stress*, with outgoing costs exceeding income. If you're feeling the strain, we might be able to help you:... - refinance to lock in a lower interest rate - consolidate your debts, which could help save you money and simplify repayments - switch to a home loan that better suits your current circumstances. To find out more, give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. *Source: Digital Finance Analytics #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans See more

07.01.2022 Are you looking to purchase a new property or want to know what your property is worth? Jump on our website to get a free property report & get a head start on other buyers Property report will contain ... Estimate price range Sales history Comparable properties Suburb profile/insights Suburb sales results . Any questions or want to discuss further, please get in touch. See more

07.01.2022 Heres a double shot of good news for homeowners: the RBA has hinted at another rate cut, which economists predict could happen next month. Meanwhile, house prices are tipped to surge 15% post Covid-19. . . . .... . #innovativehomeloans #mortgagebroker #goodnews #ratecut #homeowner #propertymarket #finance #blog #financeblog #COVID19 #prediction See more

07.01.2022 Looking for home loan calculators? Check out our website, we got you covered. . Loan repayment calculator Borrowing power calculator Interest only mortgage calculator... Stamp duty calculator Extra repayment calculator How long time repay calculator Split loan calculator Home loan offset calculator Loan comparison calculator . Everything you need if you have or looking for a home loan. Feel free to reach out if you have any questions . . #innovativehomeloans #homeloans #calculators #sutherlandshirebroker See more

06.01.2022 Looking for a new role in 2021? Innovative Home Loans are Hiring a Part Time Administration Manager Please send your resume to [email protected]

06.01.2022 No one likes to be caught flat-footed, but rest assured were here to run you through your options. Were here to help you with your loan any way we can whether that be deferring, refinancing, or renegotiating. Please don't hesitate to get in touch if you have any questions . .... . . . . #innovativehomeloans #sutherlandshirebroker #mortgagebroker #hereforyou #loandeferral #blog #homeloan #repayments #refinance #options #COVID19 #lenders See more

04.01.2022 How long would you expect to spend looking for your next home? It turns out most home buyers take longer than a full working week (44 hours) to find their dream home and apply for finance.* And 80% of people say applying for a home loan is the most consuming, confusing and inconvenient part of the whole buying process.... So feel free to ask for help - we're happy to help arrange your financials and guide you through the purchasing process, saving you time and hassle. To find out more, give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. *Source: 2020 St George Home Buying Survey #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans

02.01.2022 Is it time to spring clean your finances? Rather than rolling up your sleeves around the house this spring, here are three ways you can spring clean your household finances. 1. Get rid of unnecessary transaction accounts. This can help you keep track of spending and save fees.... 2. Review your spending and update your budget. 3. Consider consolidating debts. This can help simplify repayments, save money and give you a clear timeline to being debt-free. If you'd like to find out more about ways of consolidating your debts, give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans See more

02.01.2022 If you didn’t back a winner on Melbourne Cup Day then fret not: the Reserve Bank of Australia (RBA) has delivered mortgage holders a win by cutting the official cash rate by 15 basis points to a new record low of 0.10%. And the RBA says the rate is likely here to stay for three years. . .... . . . . #innovativehomeloans #sutherlandshirebroker#financeblog #RBA #ratecut #interestrates #mortgage #officialcashrate #recordlow See more

02.01.2022 Trend alert: offset accounts It's not exactly the latest Parisian fashion fad, but Aussies have recently been putting more money into their offset accounts than usual.* So what exactly is an offset account? It's a transaction account that is 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.... Here's an example: say you owe $350,000 on your mortgage, and have $50,000 in a savings account. If you move that $50,000 into a full offset account, youll only pay interest on $300,000. Want to know more? Give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. *Source: RBA #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans See more

02.01.2022 Are there ways your business could improve cash flow? Poor cash flow typically causes more than half (51%) of all Australian business insolvencies,* and the COVID-19 pandemic has left even more businesses than usual under pressure. But if your business is having cash flow difficulties, there are some financing solutions that can help.... To find out more give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. *Source: ASIC insolvency reports #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans

01.01.2022 Stamp duty: two of the most dreaded words in the world of property and finance. Fortunately, NSW and Victoria have unveiled some big changes to the inefficient tax this week, and there’s hope it’ll inspire other states to review their own stamp duty arrangements. . .... . . . . #innovativehomeloans #finance #blog #financeblog #sutherlandshirebroker #stampduty #change #momentum #freedomtomove See more

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 - give us a call on 0423 345 998, email [email protected] or say 'hello' on FB Messenger. *Source: AMP #InnovativeHomeLoans #SutherlandShireBroker #SutherlandShire #SutherlandShireHomeLoans

01.01.2022 Wishing Innovative Home Loans team member Alvin a Happy Birthday We hope you have a wonderful day Alvin

01.01.2022 What would you spend the extra $25,000 on for your home? . . . .... . #innovativehomeloans #mortgagebroker #sutherlandshirebroker #blog #financeblog #homebuildergrant #nowopen #ferderalgovernment #homebuilderscheme #applynow See more