Jason Pogorelec in Melbourne, Victoria, Australia | Financial service

Jason Pogorelec

Locality: Melbourne, Victoria, Australia

Phone: +61 447 600 069

Address: 201/55 Walsh Street 3003 Melbourne, VIC, Australia

Website: http://www.inovayt.com.au/finance/meet-the-team/jason-pogorelec

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25.01.2022 Congratulations Cadeyn Williams - Finance Broker - Inovayt Finance who has been named state finalist at MFAAs Excellence Awards. The Awards highlight brokers, broker businesses and staff who have demonstrated exceptional customer service, professionalism, ethics, growth and innovation. This is Cadeyn Williams 1st year as a finalist in the Excellence Awards.... www.inovayt.com.au

24.01.2022 Inovayt are hiring! We are looking to add to our loan administration team. No experience required, if you or someone you know is looking to kick start your career in Financial Services please get in touch.

24.01.2022 Are you looking to refinance your home loan? We unpack the when and why you should refinance in this piece.

24.01.2022 The power of extra repayments Adding a small additional repayment can have a huge impact Benefits: You save on interest Pay off your home loan sooner... You can redraw* the money in case of an emergency Frees up equity for future investments or renovations The below is based on a loan of $500,000, interest rate of 3% & an additional repayment of $100 per week Minimum Weekly Repayments: $487 Increased Weekly Repayments: $587 Time saved: 7 years, 21 weeks Interest Saved: $69,890 For a couple thats $50 each per week. My recommendation is to set it up as a direct debit to come out as soon as you get paid. You cant spend money you dont have My aim is to not only help you get your loan approved, but to help you accelerate your debt reduction & in return create wealth If you would like some further tips on how you can reduce your home loan, please get in touch PM 0447600069 [email protected] *Redraw is not available on all loan types. https://www.inovayt.com.au/f/meet-the-team/jason-pogorelec/

23.01.2022 Home Build / Reno Alert The Federal Government has released detail on their new "HomeBuilder" Grant. This will run from today 4/6/2020 until 31/12/2020.... Lets get you positioned?! 0447600069 [email protected] https://treasury.gov.au/coronavirus/homebuilder

23.01.2022 Dot your I's & cross your T's to make sure you have the best chance at having your loan approved! Dont’t wait until the last minute, be ready for the right opportunity. If you're looking to refinance or purchase in the coming months please get in touch to discuss further... 0447600069 [email protected]

23.01.2022 For those new to Inovayt, I look forward to working with you all soon Capabilities are as follows: - Owner Occupier & Investment Loan Finance ... - First Home Buyers - Refinancing existing debt - Development & Construction Finance - Commercial Property Finance - Medico Finance - Asset & Equipment Finance - Business & Working Capital Finance - Personal Lending & Consumer Car loans - 0447600069 - [email protected] www.inovayt.com.au

22.01.2022 If your business needs an injection of funds to keep the momentum going, but you dont want to put your house on the line, talk to us about a small business loan with no security required up front. https://bit.ly/2G5v1h0

22.01.2022 www.inovayt.com.au

22.01.2022 Congratulations to the whole Inovayt team for being named as a finalist in the 2020 AFG Excellence Awards. Such a great bunch of people and professionals:) Cade...yn Williams Jordan Morieson Nick Reilly Margaret Wilcock - Inovayt Justin Coughlin Ben Robinson Duane Hunnam Lambros Tsoumaris Nick Ball - Mortgage Broker - Inovayt Finance James Rae James Christie Noelle Deieso Deana Cocciardi Christopher Thompson Nick Rabba Chris Brock Jye Borg - Finance Advisor - Inovayt Finance Kathy Stammers Belinda Radford Stuart Rendall Daniel Chan Megan Wild Luke Mase Luke Saltmarsh Tony Stewart Ying Yang Susan O'Neill @chris obremski Hai Nguyen Vince Camuglia Sam Arora Reuben Way Jason Pogorelec Monica Tudjman A special mention to James Rae, Reuben Way and Jason Pogorelec who have been named as finalist in individual categories. Best of luck to all Finalist on the night and thanks to Them Lam and the team at AFG Australian Finance Group for their continued support. www.inovayt.com.au #teamworkmakesthedreamwork #mortgagebroking

21.01.2022 First Home Buyer Alert As of the 1st of July, the Australian Government has issued another 10,000 First Home Loan Deposit Scheme (FHLDS) places. This is a perfect opportunity to stop renting and leverage into your First Home. Places under the scheme are still available but wont last forever! Benefits of the scheme:... Only 5% deposit + costs required No Lenders Mortgage Insurance (LMI) Available on purchase prices < $600,000 (VIC), < $700,000 (NSW) and $475,000 (QLD) Quicker entry into the property market Available to Aus Citizens Please get in touch to discuss your eligibility 0447600069 [email protected]

21.01.2022 First Home Buyers Quick Facts What is the difference between the Stamp Duty Exemptions & the First Home Buyers Grant? Stamp duty (NSW) is a tax charged by the state government to purchase an asset. In NSW, First Home Buyers do not pay the Stamp Duty for purchases under $650,000 (owner-occupier properties only). They will pay a concessional stamp duty rate for property purchases between $650,000 - $800,000.... Stamp duty (VIC) also applies to First Home Buyers with complete exemption for purchases under $600,000 (owner-occupier properties only). Concessional duty is paid for purchases between $600,000 - $750,000. The First Home Owners Grant (FHOG) in NSW is a one-off grant ($10,000) payable to First Home Owners who are building, buying Off-the-Plan, or it being the first time the house has been sold, and that the house has never been lived in. You will not receive the FHOG if you buy an established house that does not reach the above conditions. The First Home Owners Grant (FHOG) in VIC adheres to the same conditions as NSW. A $10,000 cash grant is received for First Home Buyers in Metro VIC and $20,000 for Regional VIC. Stamp Duty exemptions, concessions and cash grants are also applicable in all other states with some amended requirements Any questions, please get in touch! 0447600069 [email protected] https://www.inovayt.com.au/f/meet-the-team/jason-pogorelec/

21.01.2022 Should I increase my savings or pay out my debts? This is a common question that clients ask. This depends on your circumstances. Please see the examples below to see why: Example A. The client has a low borrowing capacity due to having personal loans & credit cards but has a lot of savings. One way of increasing your borrowing power is to pay out and close debt, therefore it makes sense to pay out debt in this example*.... Example B. The client has no issue with borrowing capacity but has low savings. If you have the borrowing power then it might be better to put more money towards your savings because this will mean less mortgage insurance or reaching your minimum savings contribution quicker*. Note: each lender calculates your borrowing power differently, meaning that bank A may only lend you $400k and bank B may lend you $500k Dont hesitate to get in touch if you would like to see how much you could potentially borrow or how much you need to save for a deposit. 0447 600 069 https://www.inovayt.com.au/f/meet-the-team/jason-pogorelec/ *Please note these are examples and not individual advice

20.01.2022 Lock in a 20 minute Virtual Home loan Check to see how much money we can save you in the current market. 0447600069 https://www.inovayt.com.au/f/meet-the-team/jason-pogorelec/

19.01.2022 Handy super & tax tips!

18.01.2022 The numbers dont lie. If youre finding it hard with your home repayments, there are many lenders out there with great rates. These numbers below are based on a loan of $500,000 over 30 years principal & interest: 4.0%: Ongoing repayments $2,387.08 PM 3.5%: Ongoing repayments $2,245.22 PM... 3.0%: Ongoing repayments: $2,108.02 PM Based on the numbers above below are the yearly savings @ 4% - 3.5% = $1,702 PY @ 4% - 3.0% = $3,349 PY There are many out there with cashback offers(up to $4,000) and with rates as low as 2.09%. Now is a great time to refinance, if youre considering doing it! For more information on these lenders, please give me a ring on 0447600069 See more

18.01.2022 Here are 5 saving tips that First Home Owners can take advantage of: Review your home loan & insurances. Pay off high interest debt first.... Set up a high interest savings account. Create a budget. Get home loan healthy with a tailored savings plan, we can assist to design yours now! If you have any questions send me a DM or 0447600069 - [email protected] https://www.inovayt.com.au/f/meet-the-team/jason-pogorelec/

16.01.2022 Is now the right time to REFINANCE?? If youve been with your current lender for more than 2x years, you will save money and come out ahead! Is now the time to BUY?? Getting positioned to snap up the right opportunity has never been more important!... Is now time to explore your INSURANCE needs?? Could your household withstand income fluctuations? Lets chat! 0447 600 069 [email protected]

16.01.2022 Banks and Lenders are buying business through refinance cash backs on home and investment loans! These are at all time highs with some lenders offering $2,000 through to $4000 to refinance your mortgage. We have even had some investors receive $8000 when they have refinanced 3 + properties.... ***conditions apply*** However there are important things to consider other than cash backs. - Ensure you are securing competitive interest rates under 3% - Ensure you talk to your broker to strategise effective loan structures that suit your financial circumstances - Ensure the loan product or package contains the necessary features that are relevant to your financial outcomes With interest rates at all time lows its important to review your mortgage. Its better to put money back in your pocket! DM or call me on 0447600069

16.01.2022 What is the role of the modern mortgage broker? Listen to the managing director of Inovayt Finance Nick Reilly - here

15.01.2022 Looks like Melbournes spending the next 6 weeks in isolation ... again On a positive note, now is a great time to maximise your savings on your discretionary expenses (For all things finance 24/7 0447600069 - [email protected] )

13.01.2022 Inovayt has been recognised as one of the top 25 mortgage brokerages in Australia. We couldnt be more proud and appreciative of the recognition. We thank ou...r wonderful team, clients, partners, family, and friends for their support throughout this journey. Watch this space, 2019 is going to be a big year for us!

11.01.2022 Are you leasing your current business premise? Given the current market there is good reason to have a discussion around purchasing your first commercial property. - longer terms up to 30 years (previously 15)... - lower interest rates at around 3-3.5% - Less deposit required at 20% + costs (previously 35% + costs) There are going to be some great opportunities in the commercial property market. It’s time to chat with Inovayt’s Business Finance Professionals to take care of all you business finance needs. DM me to know more or call on 0447600069 www.inovayt.com.au #businessloans #commercialproperty #commerciallending #commercialbroker

10.01.2022 Looking to purchase your first home? Now is the time to get credit ready. With 10,000,000 new First Home Deposit Scheme grants being released you could get into your home with a 5% minimum deposit. ... Give me a call on 0447600069 and we will get you into your first home sooner than you think. www.inovayt.com.au

09.01.2022 An Offset Account is a savings account that offsets your mortgage dollar for dollar. www.inovayt.com.au

08.01.2022 Attention home owners Here is how you can pay off your home loan quicker and save money. How frequently should I be paying my mortgage repayments?... The frequency in which repayments are made to a home or investment loan, can have a significant impact on just how quickly the debt can be paid off. See below the difference between monthly, fortnightly and weekly repayments, based on a scenario of a $500,000 loan over a 30 year loan term, at an interest rate of 3%. Monthly: Repayment = $2,108.02 Total Interest over 30 years = $258,887 Interest Saved = $0 Time Saved = 0 Fortnightly: Repayment = $1,054.01 Total Interest over 30 years = $224,492 Interest Saved = $34,396 Time Saved = 3 years & 7 months Weekly: Repayment = $527.01 Total Interest over 30 years = $224,283 Interest Saved = $34,604 Time Saved = 3 years & 7 months Interest is calculated on a daily basis, which is why fortnightly and weekly repayments can save you a considerable amount of interest over the life of the loan. By having more frequent repayments, the interest is calculated over a shorter period, therefore meaning you are paying your principle debt down faster To find out more, feel free to give me a call - 0447600069 https://www.inovayt.com.au/f/meet-the-team/jason-pogorelec/

08.01.2022 Borrowing Capacity VS Deposit Level Whats holding you back? Borrowing capacity refers to the amount of money a Bank or Financial Institution will lend you, taking into account your expenses, current financial commitments and income.... Deposit Level is the amount of money required to cover your initial cash investment, along with any associated costs of achieving your intended purchase. Combine the above and you have what is known as your "Purchasing Power". Financial Institutions and Banks have limits on the amount of money they will lend you based on a combination of the above. The asset/security backing the loan, your current individual circumstances, financial commitments and cash savings will all affect your Purchasing Power. Whether you are a First Home Buyer , looking to purchase your next Investment Property , or wanting to buy a Commercial premises for your business , the above factors apply. Reach out if you would like to know more! 0447 600 069 [email protected] https://www.inovayt.com.au/f/meet-the-team/jason-pogorelec/

08.01.2022 Bank X says I can only borrow $$$ but what about the others? Youre borrowing capacity will vary depending on the bank. ... Every bank has its own calculator to determine your overall borrowing capacity and these can be better for some income types over others depending on the bank. Just because one bank says you can only borrow X does not mean that is the end of your goal. It may be that theyre currently not taking 100% of your income or theyre not correctly understanding your situation. Reach out if youd like to discuss in more detail. 0447600069 [email protected]

06.01.2022 We are here to help! [email protected] 0447600069

06.01.2022 What exactly is a managed fund? Luke Mase explains the key advantage of a managed fund in the video below. Feel free to leave a comment with your thoughts or touch base with any queries.... www.inovayt.com.au

06.01.2022 Get FINANCE READY before the market opens! Don’t wait for the restrictions to get your finance arranged as there will be an influx of market activity hitting the lenders all at the same time. This will no doubt create a bottleneck of timing issues for people who aren’t prepared to take the opportunities coming out of COVID.... Over the next month now is the time to get your finances in order. I’m ready to support you on: Refinancing to a better rate Taking advantage of refinance cash backs Getting approved in principal for your next Purchase Debt strategies to save you money and time If you would like to know more feel free to give me a call on 0447600069 https://www.inovayt.com.au/f/meet-the-team/jason-pogorelec/

05.01.2022 55% of Australian borrowers choose to use mortgage brokers to secure their loans. Who will you use when its your turn? #keepcompetitionalive

04.01.2022 At Inovayt, we offer mortgage solutions to suit your needs. So, why choose us?

03.01.2022 Releasing equity to achieve your financial goals This opens up a world of property investment opportunities because you can use that equity as a property deposit. You can even: Access funds for those renovations youve been holding off on... Fund the purchase of vacant land for future construction. Cash out, depending on the amount and purpose, such as going on a holiday or purchase a family car. Use funds to diversify your investment portfolio and build wealth. Feel free to get in touch if youre looking to access some equity 0447600069 [email protected] https://www.inovayt.com.au/f/meet-the-team/jason-pogorelec/

02.01.2022 First Home Owners What are some of the ways you can avoid Lender Mortgage Insurance? Save a 20% deposit.... Ask your parents/siblings to be a security guarantor for your loan. Apply for the First Home Buyer Deposit Scheme (need a 5% deposit & other conditions apply). If youre in a specialist professional field (you can PM me to see if you qualify), some lenders will allow you to borrow 90% without any mortgage insurance. For more information, feel free to give me a call - 0447 600 069