JadeTree Finance in Doncaster, Victoria | Mortgage brokers

JadeTree Finance

Locality: Doncaster, Victoria

Phone: +61 481 518 192

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25.01.2022 If you’ve overspent this Christmas and you’re feeling worried about those maxed out credit cards, you may want to think about consolidating your debts into your mortgage in the New Year. You can call us @0481518192 or mail us at [email protected]

25.01.2022 A great start to the New Year is to tackle your finances head on and have a Review of your Mortgage Repayments. You may be surprised just how much money you may save. You can call us @0481518192 or mail us at [email protected] for a quick review.

25.01.2022 Don't be SPOOKED by the Home Loan Market. We are here to Help! Call us @0481518192.

24.01.2022 It’s Christmas Eve, our work is done and we’re feeling full of festive cheer. Wishing you all a peaceful day with family and friends tomorrow.

24.01.2022 A mortgage broker can be a very useful partner for a First Home Buyer. The broker will assess your financial situation as part of a needs analysis, and match your requirements to a wide range of loans from banks and other financial institutions; managing the process right through to settlement. Call us at 0481518192 for a no-obligation chat.

24.01.2022 If you’re a First Home Buyer, you’re in a fortunate position as both the Federal and State Government are offering more financial incentives by the day. The most recent announcement from the NSW State Government will see Stamp Duty Exemptions increased on both Established and New Homes. - Eligible First Home Buyers can potentially access stamp duty exemptions on new home purchases of up to $800,000. ... - Those looking to build new will also see stamp duty discounts available for purchases between $800,000 and $1 million. This is a temporary program and will be available for 12 months. These stamp duty exemptions are available in conjunction with a number of other programs, including the HomeBuilder and First Home Buyer Grants.

23.01.2022 APRA has proposed banks scrap the 7.0 per cent floor in mortgage serviceability assessments and instead set their own minimum interest rate. We believe that this will improve your borrowing capacity for Home Loans. Call Us at 0481518192 if you would like to discuss getting your first home or buying an investment property.

22.01.2022 YOU are the Heart of our Business! Thank You for your support. Happy Valentine's Day!

22.01.2022 Effective November 4, 2020, Reserve Bank of Australia (RBA) has cut the official cash rate by 15 basis points to a record low of 0.10 per cent. #RBA #cashrate

22.01.2022 Be in control of your Finances and your Assets. A proactive approach is always best. Call or text us at 0481518192 to explore your Refinance Options today. We would be happy to assist you.

22.01.2022 What exactly does it mean to Refinance your Mortgage? In simple terms, when you refinance your mortgage, you are taking a new loan to pay off your original mortgage loan. Homeowners typically refinance to take advantage of lower market interest rates, cash out a portion of their equity, or to reduce monthly payments with a longer repayment term. Does this sound like something you could benefit from?#Mortgage #Refinance #HomeLoan Call us at 0481518192 for a no-obligation chat.

21.01.2022 Wishing you and your family a safe and prosperous 2019! We look forward to helping you achieve your dreams of owning your dream home.

21.01.2022 Have you applied for Loans with multiple Lenders just to see your Borrowing Capacity? Each time you apply for a loan or make an online inquiry, it gets recorded on your credit file. Multiple inquiries at one time can diminish your credit score making it harder to get a loan in the future. We work with 25+ Lenders and can help You to find the best loan for you and your situation. Message Us today!

21.01.2022 Did you know? A $5000 credit card limit can reduce your Home Loan borrowing capacity by around $20,000. A credit card can help us make dream purchases but it can also affect our chances to purchase our dream home. ... Tip: Watch your credit card limit! When your bank sends you an invite to increase your credit card limit, think if you actually need the increased limit before accepting their offer. We can give you all the information about credit card limits and their impact on your ability to borrow money. This will help you with enough time to adjust your card limits if it’s really necessary. Call Us at 0481518192 or mail us at [email protected]

21.01.2022 Understanding your mortgage options can be complex. Its our goal to make sure you have everything you need to make the right choices. Whether youre buying your first home, looking to refinance your existing mortgage, or in need of a second mortgage, we have the solutions to help. Call Us at 0481518192 or email us at [email protected] and we will answer all your queries.

21.01.2022 Most lenders look at your employment history when considering your Home Loan Application. They want to see that you earn a stable income and youve been in the same job for a while. Hence, many lenders are wary of borrowers who are on probation. However, different lenders have different lending policies and there are a few lenders who can give you Home Loan while on Probation. At JadeTree we know which lenders will approve your Home Loan whilst still offering the most competitive home loan rates and fees so contact us today!

20.01.2022 #StayHome is our mantra during the pandemic. However, we are still available to discuss your Questions and/or needs for a New Mortgage, Refinance, Debt Consolidation etc. over the #Phone or #Online. We can be reached by phone on 0481518192 or at [email protected]

20.01.2022 A house is made of walls and beams. A Home is made of Love and Dreams. Wed love to be your First choice when it comes to your Mortgage options. We understand what becoming a homeowner means. Happy Friday!

19.01.2022 Its official! Well on the calendar anyways the first day of Summer has arrived! It is the season for Ice-creams, BBQs, Camping, Pools, Sunshine, Long nights and Family! What does summer mean to you?

19.01.2022 It’s official! Well on the calendar anyways the first day of Summer has arrived! It is the season for Ice-creams, BBQ’s, Camping, Pools, Sunshine, Long nights and Family! What does summer mean to you?

19.01.2022 We agree, Home is where the heart is. Let us help you find the best mortgage option for You so you can be happy and secure in your home ownership experience. Call or text us at 0481518192 to reach Us.

19.01.2022 A house is made of walls and beams. A Home is made of Love and Dreams. We’d love to be your First choice when it comes to your Mortgage options. We understand what becoming a homeowner means. Happy Friday!

18.01.2022 Looking to Refinance your Home Loan? Lots of lenders are offering Cashbacks for Refinancing. Call us at 0481518192 or PM us to know if you are eligible for the Cashback offers.

18.01.2022 Did you know? A $5000 credit card limit can reduce your Home Loan borrowing capacity by around $22,000. A credit card can help us make dream purchases but it can also affect our chances to purchase our dream home.... Tip: Watch your credit card limit! When your bank sends you an invite to increase your credit card limit, think if you actually need the increased limit before accepting their offer. We can give you all the information about credit card limits and their impact on your ability to borrow money. This will help you with enough time to adjust your card limits if its really necessary. Call Us at 0481518192 or mail us at [email protected]

18.01.2022 Fishing for the RIGHT Mortgage? At JadeTree, we will scan 100s of Mortgages to find the right one for you. Start the Process today. Mail Us at [email protected] or Call Us @0481518192 for more information.

18.01.2022 Understanding your finance options can be complex. It’s our goal to make sure you have everything you need to make the right choices. To review all your available options, contact Us at 0481518192 or email us at [email protected] There is no obligation to apply so call today.

18.01.2022 Buy vs Rent - Whats the Best Option in 2020? With interest rates at their lowest level in more than 50 years, its now become cheaper to buy than rent in many locations around Australia. So, should Renters start thinking about Buying?... Pros of Buying: - Record low interest rates mean record low repayments. - The Government is throwing tens of thousands of dollars worth of incentives at first home buyers. - Youre buying an asset that will appreciate over time. - Its yours and you can do what you want with it - including hanging pictures on the walls. Pros of Renting: - You can live anywhere you want including higher priced suburbs, which might not be easy to buy into. - You wont need to save up a large deposit to continue as a renter. - The landlord will pay for maintenance and repairs. - Youre free to move and live in different areas and cities. What are you Planning to do?

17.01.2022 How special is First Christmas in your new home? We are delighted to have helped so many of you buy your new homes this year. We are sure this First Christmas in your new home would have been extra-special. If you’d like this to be your next Christmas, talk to us soon to find out how much you can borrow and when you’re ready, we’ll work with You to make your dream a reality.

17.01.2022 Are you a First Home Buyer waiting for the Government's First Home Loan Deposit Scheme? Michael Sukkar- Minister for Housing was interviewed yesterday about it. https://www.3aw.com.au/minister-tells-first-home-buyers.../... Would you wait for 1st January'2020 to buy your 1st Property?

17.01.2022 Did you know that your borrowing capacity can vary by over $100,000 depending on the lender you use? Each lender has different policies and assesses your income and expenses differently. Hence, your borrowing capacity varies between lenders. We have lender calculators that allow us to assess our clients’ borrowing capacity. We can work out your Borrowing capacity without lodging an application. ... Call Us at 0481518192 or Email us at [email protected] to understand your borrowing capacity and any concerns you may have about home loans.

17.01.2022 Are you a First Home Buyer waiting for the Governments First Home Loan Deposit Scheme? Michael Sukkar- Minister for Housing was interviewed yesterday about it. https://www.3aw.com.au/minister-tells-first-home-buyers.../... Would you wait for 1st January2020 to buy your 1st Property?

16.01.2022 Are you thinking of buying a Home? We welcome your questions, by phone or message or both! The more you know the better choices you can make when it comes to your #mortgage. Call us at 0481518192 or PM us.

16.01.2022 Homebuying season is upon us!! You can get yourself in an advantageous position by getting your loan pre-approved before you go househunting! We can arrange your pre-approvals promptly. You can call us @0481518192 or email us at [email protected] for a quick chat.

15.01.2022 Home loans typically come with a term of 25 or 30 years. But that doesn’t mean your Home Loan needs to run the full distance. Here are some basic strategies that can be used to help you pay off your Home Loan faster: Make home loan repayments more frequently: If your repayments are due monthly, try paying the loan back fortnightly or weekly instead... Increase your regular repayment amount (if your home loan allows) or round up your payments to the nearest 10, 50 or even 100 dollars Make additional lump sum payments: Have you received some lump sum like a tax refund, work bonus or inheritance? You can reduce years off the term of your loan by channelizing these funds into your Home Loan Consider setting up a Home Loan Offset account Do an annual home loan health check to see if your Home Loan is still suitable and that your interest rate is competitive I’d love to hear from you and do a quick review of your circumstances. Do PM me or give me a call at 0481518192. We can start a discussion by phone or over a coffee, at a time that’s convenient for you.

15.01.2022 Many banks are lowering their Mortgage rates. But is that the best offer that you could get? As mortgage broker, we have access to even more mortgage options -sometimes with better rates or fewer strings attached. Be sure to read the fine print and talk with us to make certain that the deal is actually as good as it sounds.

15.01.2022 The First Step in buying a home is determining your budget and ensuring that you can afford it long term. Forms and calculators can take you so far, but a consultation with a qualified mortgage professional can uncover details that you may not have considered, making the process much simpler. Please feel free to call us at 0481518192 or PM us for a no-obligation chat.

15.01.2022 The Christmas Rush is upon us! Leading up to Christmas is the busiest time of the year in the finance world (with increase in turnaround times for Lenders) as most of the people want to settle on property or refinance before the holiday season begins. We at JadeTree Finance are committed to ensure we meet your expectations at this time of the year.

15.01.2022 Are you feeling a bit lost on what road to take with regards to your Mortgage? No need to feel alone on this journey. We welcome your questions, by phone or message or both! We hope you feel empowered by getting answers from JadeTree!

14.01.2022 With the excitement of the start of a New Year, it’s a good time to gain momentum on creating more of the lifestyle you want for yourself. Most often New Year Resolutions are geared towards getting fit, eating better & adding more self-care time to your day. Have you given any thought to achieving financial fitness through debt consolidation, increasing your home equity with a much needed renovation or even buying a house that fits you or your family better? There’s no time like the start of the year to take action and if you need more information & service please call or text anytime at 0481518192 to get started. #NewYearResolutions

14.01.2022 We are entering the busy season wherein Lenders assessment time can sometimes blow out. Call us ASAP if you are thinking of purchasing a property or refinancing a Loan.

13.01.2022 The Race That Stops A Nation! Wishing you all the best of luck and enjoy the celebrations.

12.01.2022 The process of identifying the ‘best’ mortgage begins with understanding and defining your NEEDS and PREFERENCES. It also depends on your CURRENT SITUATION and your FUTURE PLANS. For example, if you want to pay off your Loan fast, you may want a shorter loan term and/or variable loan with offset/redraw benefits. Let us understand your Unique Circumstance so we can work out the most suited Mortgage Solution for you! ... Call us at 0481518192 for a no-obligation chat.

11.01.2022 On the HUNT for a Loan? For most of us, taking out a mortgage will be the most important financial decision of our lives. We make your financing simple, fun and hassle-free. Mail Us at [email protected] or Call Us @0481518192 for more information.

10.01.2022 Merry Christmas to everyone! Thank you for supporting and being part of our business! We’ll be thinking of you all while we celebrate in our own homes. We wish you all a safe, relaxing and cheerful holiday season.

10.01.2022 One of the best parts of our job is seeing our clients' dream of becoming a Homeowner come true! The excitement, the nervousness, the thrill of getting the mortgage approval, and finally getting the keys to their New Home! In times like these we know that they are happy and safe right where they need to be - at Home. Whether you're looking to buy a Home, remodel your current home, or consolidate your debt, we are happy to help you find a solution. Call or text us at 0481518192.

10.01.2022 Did you know that not all lenders calculate Rental Income the same way? Knowing these details could be the difference between getting an approval or a decline. Your bank only has one option; we have dozens! Call or text us at 0481518192 and we will be happy to assist you.... #MortgageBroker #rentalincome #investmentproperty

10.01.2022 You can get these Rewards on your Home Loan. Contact me at 0481518192 to know more

10.01.2022 Government has released some details of their First Home Loan Deposit Scheme. Few highlights are mentioned below: Government will provide Guarantee that will allow First Home Buyers to purchase a home with a deposit of 5%. This will help Home Buyers to save on the cost of Lenders Mortgage Insurance which is currently required if you are borrowing more than 80% of the property value. The scheme will support 10,000 First Home buyers each financial year First home buyers ...with an income of up to $125,000 (or $200,000 for a couple) will be eligible. The value of homes that can be purchased under the scheme will vary by region. The Scheme is expected to commence on 1 January 2020. See the Announcement below for more details.

10.01.2022 Some Lenders do not take 100% Income from Second Job for mortgage purpose. For example, some will only consider 50% of your income from a second job or only assess 60 hours of pay per week or only account for second income if you have been in that job for 2 years. However, not all lenders have the same policies. Some lenders think that people with multiple jobs have a stable and diverse source of income and are therefore a lower risk to them. If you or someone you know have a second job and want to make sure that all your income sources are included, please contact us on 0481518192 or email us at [email protected]. We can help you apply with the right bank who will consider the income you earn from a second job.

10.01.2022 If you are planning on applying for a Home Loan now, or in the future, you will need to declare your Living Expenses to the Lender. Generally, you would be required to provide details of the amount you spend on your groceries, utilities, transport, clothing, education, entertainment, insurance, childcare, medical expenses etc. Lender will evaluate your Living Expenses and compare it with the relevant benchmarks. The higher of these two figures is generally used as the basis ...to determine how much you can afford to borrow and comfortably repay. Getting a clear picture of your Living Expenses will help lenders to determine how big a home loan youre likely to be able to handle. We believe that this practice would also help you to increase the awareness of your actual monthly living expenses, making sure the home loan repayment does not overstretch beyond your household budget. Call Us at 0481518192 or mail at [email protected] to find out your Borrowing Capacity.

10.01.2022 Its time to think about your financial goals for 2019. Its easy to get distracted along the way, so writing down what you want to achieve and checking it at regular intervals throughout the year can help you stay on track. Here's to a successful 2019!

09.01.2022 When you buy a house, you need to check that no legal issues will affect your ownership or use of the property. Conveyancers/Solicitors are professionals in their area and can also provide legal advice on the property transaction. Once youve found the property you are interested in, a conveyancer would review the contract of sale (check for easements, type of title and any other information that needs addressing) and, provided you proceed, lodge legal documents and settle th...e property purchase for you. While you can undertake the legal aspects of a property purchase yourself, it is generally recommended that you seek the advice of a legal specialist or conveyancer. We recommend you start looking around for a conveyancer or solicitor as soon as you decide to buy a home. Its a good idea to have a conveyancer in place by the time youre putting in an offer to purchase a new home. We work with 25+ Lenders and can help You to find the best Loan for you and your situation. You can call us @0481518192 or mail us at [email protected]

09.01.2022 One of the biggest barriers to buying a home is Saving a deposit. Even if you have money in the bank, most lenders require Savings (over a 3 or 6 months period) known as Genuine Savings. That is, the lender wants to see that you have the potential to save and put away funds over a period of time. There may be situations where you end up with a large lump sum of money like gift from Parents etc. Lender will want you to hold that money in your account for at least three months... (some lenders require six months) before applying for Home Loan. Every lender has different rules regarding savings requirements so please call us to discuss your situation in detail. If you are borrowing: 80% of the property value: Genuine savings isn't usually required 85% - 90% of the property value: Some lenders need genuine savings 90%- 95% of the property value: Nearly all lenders require genuine savings Some lenders accept proof of consistent rent payments as genuine savings. However, you still need to come up with at least a 5% deposit plus funds to complete (stamp duty, legal costs etc) the Property Purchase. We are experts in working out how to apply each lenders policy to maximise your options and provide you with the best loan possible from our panel of lenders. Contact us today, simply by calling us @0481518192 or send us an mail at [email protected]

08.01.2022 Housing markets have recorded another fall in July, making it three straight periods of declines for dwelling values. However, the magnitude of the falls has been relatively minimal, with just a -0.6% decline in July and a -1.6% fall over the last quarter. The falls have been most pronounced in the higher-end of the market in both Sydney and Melbourne - two markets that are traditionally heavily auction focused. ... Meanwhile, Adelaide, Hobart and Canberra remain resilient and have seen home values increase over the last three months, throughout the COVID period.

08.01.2022 Home loans typically come with a term of 25 or 30 years. But that doesnt mean your Home Loan needs to run the full distance. Here are some basic strategies that can be used to help you pay off your Home Loan faster: Make home loan repayments more frequently: If your repayments are due monthly, try paying the loan back fortnightly or weekly instead... Increase your regular repayment amount (if your home loan allows) or round up your payments to the nearest 10, 50 or even 100 dollars Make additional lump sum payments: Have you received some lump sum like a tax refund, work bonus or inheritance? You can reduce years off the term of your loan by channelizing these funds into your Home Loan Consider setting up a Home Loan Offset account Do an annual home loan health check to see if your Home Loan is still suitable and that your interest rate is competitive Id love to hear from you and do a quick review of your circumstances. Do PM me or give me a call at 0481518192. We can start a discussion by phone or over a coffee, at a time thats convenient for you.

08.01.2022 Diwali (or Deepavali) - the festival of lights, signifying victory of good over evil and the end of darkness, is celebrated in India and by Indian diaspora all over the world. On this Diwali, we wish a Happy Diwali to everyone and hope your home is forever illuminated with Happiness and Prosperity. THANK YOU FOR BEING THE LIGHT THAT INSPIRES US TO SERVE YOU BETTER!

07.01.2022 New Year, New Home, New Adventure, New Memories! If this sounds like your New Year's resolution, reach out to Us at 0481518192 and let’s start planning your move.

07.01.2022 We are here FOR YOU! As Lenders continue to respond to the coronavirus pandemic, their policies may have changed as a result. Its become more Important than ever to get the RIGHT ADVISE. Get in touch with us, sooner rather than later, so WE can start putting the plans in place to SUPPORT YOU during this challenging situation.

07.01.2022 Thinking about buying a home? There are many things to consider before taking the plunge. AFFORDABILITY and DOWN PAYMENT are two key things to think about. At JadeTree, we can help you with every step in the home buying process. ... Call us at 0481518192 for a no-obligation chat. #Home #Mortgage #1stHome

07.01.2022 Are you planning to buy your first property in Australia? Please be in touch for a FREE consultation and receive: A snapshot of your borrowing power (how much the banks will lend you)... Guidance on which bank will suit your goals & situation Details on various type and features of home loans available Call Us at 0481518192 or mail us at [email protected]

06.01.2022 During the holiday season, our thoughts turn gratefully to those who have made our success in 2019 possible. Its in this spirit that we would like to say thank you to our Clients, Referral Partners and Lender Partners. May your heart and home be filled with all the joys the festive season brings. Wishing you a Merry Christmas and a Happy New Year!

05.01.2022 If youre getting money from your immediate family member(s) for purchase of property in Australia, Lenders generally ask you to get a letter signed or a statutory declaration that says the funds are a gift and that you are not required to pay the money back at any time. This applies if you are buying your First or Next home.

05.01.2022 We have access to more than 25 lending institutions - including major banks, credit unions, specialised lenders etc to ensure we are able to provide just the right mortgage solution for your needs today and tomorrow. Our partnerships with these lenders give us access to excellent rates for a variety of mortgage products. Call Us at 0481518192 or email us at [email protected] whether you are: - purchasing your first or next home;... - investing in property or buying a second home; - refinancing to boost cash flow and drive down debt etc See more

05.01.2022 You might be eligible for $4000 cash back on Refinance of First Property and $2000 for every additional property. If interested, please call me at 0481518192.

04.01.2022 Has your Interest Rate gone up? Have you thought of Fixing all or part of your Home Loan? Call us to speak about your options. We can help.

04.01.2022 For the first time since August 2016, The Reserve Bank of Australia (RBA) has cut the official cash rate to 1.25 per cent, following its monetary policy board meeting.

03.01.2022 If you’re getting money from your immediate family member(s) for purchase of property in Australia, Lenders generally ask you to get a letter signed or a statutory declaration that says the funds are a gift and that you are not required to pay the money back at any time. This applies if you are buying your First or Next home.

03.01.2022 Are you thinking of your first or next home? We’d love to help you find the perfect mortgage. Call us @0481518192.

03.01.2022 Wherever you are at 11am, please stop for a minute and reflect on the men and women who gave their lives for the freedom and life we enjoy today. #11/11@11

03.01.2022 This New Year as you celebrate the festivities with your friends and families, we are trying to work out ways in which we can serve you better in the coming days. See you in 2019!

02.01.2022 Buy vs Rent - What’s the Best Option in 2020? With interest rates at their lowest level in more than 50 years, it’s now become cheaper to buy than rent in many locations around Australia. So, should Renters start thinking about Buying?... Pros of Buying: - Record low interest rates mean record low repayments. - The Government is throwing tens of thousands of dollars’ worth of incentives at first home buyers. - You’re buying an asset that will appreciate over time. - It’s yours and you can do what you want with it - including hanging pictures on the walls. Pros of Renting: - You can live anywhere you want including higher priced suburbs, which might not be easy to buy into. - You won’t need to save up a large deposit to continue as a renter. - The landlord will pay for maintenance and repairs. - You’re free to move and live in different areas and cities. What are you Planning to do?

02.01.2022 One size doesn’t fits all! We will scan 100’s of mortgages to find the Right One for You. We work with 25+ Lenders and can help You to find the best loan for you and your situation.... There is no obligation to apply so call us today @0481518192.

01.01.2022 If you have a mortgage related question, or you hear a news story or read a real estate headline that makes you think: "Hmmm, I wonder if ..." or "What does that mean, exactly?" call Us at 0481518192. It is our job to understand Australian mortgage rules, no matter how quickly they change.

01.01.2022 Did you know that medical professionals, such as GPs, Specialists, Hospital employed Doctors, Dentists, Optometrists, Pharmacists etc can secure a home loan of up to 90% of the purchase price without incurring any mortgage insurance costs? Bank's provides favorable discount and flexible policy for medical professionals because they have low mortgage delinquency rate. You won’t find these terms with every Lender. At JadeTree, we know exactly where to source the best deals and ...find the most appropriate product to meet your needs. Give us a call at 0481518192 to find out more.

01.01.2022 Understanding your mortgage options can be complex. It’s our goal to make sure you have everything you need to make the right choices. Whether you’re buying your first home, looking to refinance your existing mortgage, or in need of a second mortgage, we have the solutions to help. Call Us at 0481518192 or email us at [email protected] and we will answer all your queries.