Integrity Finance Group in Hurstville, New South Wales, Australia | Financial service

Integrity Finance Group

Locality: Hurstville, New South Wales, Australia

Phone: +61 2 9570 8777

Address: Suite 77, 23 27 MacMahon Street, 2220 Hurstville, NSW, Australia

Website: twitter.com/Integrity_FG

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• Investing service

25.01.2022 Attention #investors Considering a #rental #guarantee? Read this first: https://www.integrityfg.com.au/on-rental-guarantees/ #Winning

25.01.2022 The future of credit scoring

25.01.2022 We get these questions often with the rise of SMSF lending. So here goes: How to transfer a UK pension to Australia http://www.afr.com//how-to-transfer-uk-pension-to-australi #investor #Super #UK #Australia

24.01.2022 #Brisbane - #Banks restrict apartment #lending in over 100 suburbs. Get the list: http://goo.gl/XPosvc The banks want stricter controls on apartment lending that include bigger size, better design, identifiable cash flows, and stricter serviceability terms. Any complex with over 50 units or 5 storeys is considered high density which results in further lending restrictions. The banks are also set to tighten valuation criteria.... Adelaide Bank now require apartments to have their own bathrooms, kitchens, laundries, windows in key rooms. Suncorp: limiting LVR for investment lending to 80% in 39 postcodes. (AFR)

23.01.2022 Effective today (immediately), the Home Loans Ltd Optima Line of Credit Product will be discontinued and will no longer be available

22.01.2022 Australias estimated residential population has soared by 389,100, or 1.61%, to 24.5 million people in the year to March. Natural population growth is being dwarfed by net overseas migration. Over the year, most of the population growth came through net overseas migration (NOM), increasing by 231,900, or 2.4%. Natural increase, a figure derived by subtracting deaths from births, accounted for the rest.(ABS) Victorias population growth was the highest of the states. It rose ...by 2.43%, or 149,000, over the year to March 2017. A lift in net overseas migration and net interstate migration are behind the strong Victorian outcomes. (Michael Workman, senior economist at CBA. Victoria now has the strongest auction clearance rates, demand, and home price growth among the states and territories, (Martin North, principal of DFA) With around 75% of Victorias population residing in Melbourne, Workman estimates the city is growing by about 120,000 people annually. If this rate of growth keeps up, Melbourne will eventually surpass Sydney to become Australias largest city in the coming decades.

21.01.2022 Satisfaction levels amongst the big fours home loan customers has fallen marginally with a decline of 0.4% over the last month to 75.7%. In contrast, levels for non-home loan customers dropped only 0.1% to 79.8% during this same time period. The Commonwealth Bank of Australia (CBA) had the highest customer satisfaction levels amongst mortgage holders at 77.4%, although this fell by 0.7% over the last month. (Roy Morgan)

21.01.2022 #Creditscore #Australia #Broker #Toolbox Check your credit score for free every six months. Get better deals from the lenders.

20.01.2022 For small sized apartments (40m2 - <50m2), clients can borrow up to 95% of the property’s value or 97% if they’re a first home buyer. Floor space excludes alfresco areas, carports or garages. Insured loans are subject to LMI acceptance. Which #lender would that be? #askabroker

16.01.2022 National Australia Bank has parted ways with 20 bankers and disciplined another 32 after discovering it sold around 2,300 home loans based on inaccurate or incomplete information and documentation. #KPI #imposing #bank #nosurprise #sales #target

13.01.2022 #Build-to-rent is set to become a major new player in the #Australian #housing #market, as an estimated $300bn worth of residential assets could be owned by institutional investors within the next couple of decades (CBRE) Major residential #investors such as #Lendlease, #Mirvac, and #Stockland are poised to offer multi-family developments in #Australia. "If #developers could obtain the backing of a major institution, such as #super fund, they could build on a large scale with a long-term view. These new properties could then be rented out at more #affordable rates, which would not only help solve the #housing #affordability crisis, but would also provide a long-term income stream to thousands of Australians with superannuation." (Matthew Cranston, AFR)

13.01.2022 Good morning, Just came across some interesting findings by State Custodians I thought I would share: Australian homeowners are failing to put in the effort and seek out better home loan deals despite slow wage growth and piling levels of household debt. Only 13% were always on the lookout for better home loan rates. 33% were apathetic about shopping around for a better home loan deal. 17% were unsure of how to proceed, although they want to look for a better rate. 16% hadn...t even considered switching. Younger borrowers were more likely to shop around for a better rate with 19% of Gen X and 20% of Gen Y looking every one or two years. Only 11% of those over 50 scouted for a better deal with the same frequency. Men (73%) were more likely to shop around than women (59%). The findings were based on a representative sample of 1,000 people across Australia. I would like to add, mortgage health checks can be performed by a broker to ensure you are on the most suitable deal. Should this be otherwise, the switching process is not as painful as you might think, so we encourage you to get in touch. Have a good day. Stella

13.01.2022 Please join a discussion #group on #Facebook, where like-minded people meet to share experience and ask questions regarding everything #finance. Advertising is not permitted. Some questions are answered by #professionals, some others by members. https://www.facebook.com/groups/askabroker/

13.01.2022 #Auction #clearance #rates #explained #Sydney and #Melbourne #Spring #2017 https://www.integrityfg.com.au/on-auction-clearance-rates/

12.01.2022 Which #bank's #website attracts most #visitors? We had a look: http://goo.gl/Q4PqF9

12.01.2022 #Top #Suburbs in each #state. #November via @YIPmagazine https://www.integrityfg.com.au/top-suburbs/

12.01.2022 Please join a discussion group on Facebook, where like-minded people meet to share experience and ask questions regarding everything finance. Advertising is not permitted. Some questions are answered by professionals, some others by members. https://www.facebook.com/groups/askabroker/

11.01.2022 No #Sydney #Housing #Crash in #2018. #Mining Towns to Recover. #Hobart to be Best City Performer - SQM Read more: https://www.integrityfg.com.au/property-market-predictions/

10.01.2022 ASIC will shortly begin contacting brokers that have a high proportion of interest-only loans and start reviewing their loan files. The regulator believes IO loans are more expensive than principal-and-interest loans, and do not always meet the needs of the consumer

10.01.2022 ANZ has unveiled tighter lending policies for apartments in certain postcodes of Perth and Brisbane. Brisbane: maximum LVR 80% for 4000, 4006, 4010, 4011, 4014, 4102, and 4171 postcodes. Perth: maximum 80% LVR for all investment lending apartments within 6000, 6004, 6104, and 6151 postcodes.

10.01.2022 Good report: "Build it and they will come" (Credit Suisse, published by AFR). Some key points: Foreign buyers, almost all of them Chinese, are buying the equivalent of 25% of new housing supply in NSW, undeterred by local taxes or investment limits imposed in China. The trend is strong in Victoria as well, with foreign buyers accounting for the equivalent of 17 per cent of new housing. In Queensland, it is 8 per cent.... Almost 90 per cent of foreign demand is from China Residential exposed companies should benefit including the developers, building material companies and banks. See more

10.01.2022 Are you an #investment #advisor? Join our panel of experts in Ask a Broker group. www.facebook.com/groups/askabroker Advertising of any kind is not permitted, however members are allowed to contact any expert they wish to.

08.01.2022 RBA Cash Rate Decision - Cash rate remains unchanged at 1.50%

08.01.2022 If youre looking for a stable and secure investment, property is a solid option. Far less volatile than other investment strategies, an investment property has the potential to deliver consistent rental returns for years to come. While you may start out with a single property, careful consideration and management of your investments could see you grow this to a full and profitable portfolio with the help of a broker. When purchasing an investment property, you need to think ...tactically about where you will buy and the type of person who generally resides in this area. Doing your research and having a clear understanding of the market and the areas where property is most likely to increase in value is essential. When considering your budget and return on investment, its not just about your rental returns, you need to factor in ongoing costs also. See more

08.01.2022 BC Securities has just launched one of Australias first 25-year foreign buyer mortgages for the settlement of apartment purchases with support from Hong Kong-listed Far East Consortium (FEC). BC has sourced more than $700m to lend to foreign buyers of Australian property. About $500m was secured from a warehouse lending facility with a foreign investment bank and $215m was raised in a debenture issue. The firm estimates that non-residents have committed to purchasing more than $20bn of Australian real estate, and many of these settlements will be due over the next 18 months. BC Securities will charge rates from 6.8% to 7.8% at a maximum loan-to-value ratio of 70%. (Your Investment Property)

07.01.2022 Almost one in two households with a mortgage are over-indebted. 47% of households owned by those with a mortgage were over-indebted while 52.4% were not. This was high compared to households owned by those without mortgages (ie not renting) for whom only 3.5% were over-indebted. In this group, 46.8% of households were debt-free. (ABS)

06.01.2022 Big 4 Banks are speculating on RBA cash rate in 2018, Here is a short summary: https://www.integrityfg.com.au/2018-cash-rate-predictions-/

05.01.2022 Research by Griffith University and No More Practice Education: If youre born after 1984, you are likely to need up to $3.98 million for a comfortable self-funded retirement in 26 years time! Luckily, an enormous $3.5 trillion dollars is expected to be passed on from Australian Baby Boomers to their children over the next 20 years, according to McCrindle Research. From this, 75 per cent of all Gen X and Y with surviving parents will inherit $110,000, and if invested wisely..., these funds could set up their future. However, without smart investment, this would create a significant event thats being dubbed the economic tsunami. http://integrityfg.net.au/how-many-of-us-will-retire-comfo/ See more

05.01.2022 Pepper Easy Home loan available with key features of unlimited debt consolidation and credit impairment, cash out up to 85% LVR, pay out of ATO debts and acceptance of alternative income documentations. Sounds good!

04.01.2022 How to #buy before #auction

04.01.2022 Stable market conditions prevailed in Perth in September, with the citys median house price remaining steady for the third straight month (REIWA). The market leveled out.

04.01.2022 APRA ruled out intervention in #investor and #interest-only #lending by #non-bank sector #news #Australia #Finance #Broker We came up with a new logo to mark the occasion

03.01.2022 For small sized apartments (40m2 - <50m2), clients can borrow up to 95% of the propertys value or 97% if theyre a first home buyer. Floor space excludes alfresco areas, carports or garages. Insured loans are subject to LMI acceptance. Which #lender would that be? #askabroker

02.01.2022 Property prices are beginning to drop in Sydney and gather momentum in Melbourne and Hobart - CoreLogic

02.01.2022 #creditreport #free #finance #broker #Australia Prior to applying for finance, we strongly recommend obtaining your credit file. It is free! You can get it here: https://www.mycreditfile.com.au/products-ser/my-credit-file

02.01.2022 #Bluestone hits $1bn in #settlements via #organic, structured #growth brought on through #broker feedback. Considering this number has been achieved since returning to the marketplace in FY14 with 54% of this being originated through the past year. Not bad! Bluestone is a specialist lender tailoring its products to changing needs self-employed customers

02.01.2022 Both major and non-major banks are refusing finance to those within the adult industry (The Eros). The report noted the prevalence of industry-based discrimination by financial service providers, in particular the rejection of financial services, such as merchant facilities and business loans, to adults-only businesses. 24 adult-only businesses were interviewed, including retailers, wholesalers and entertainment providers.