James Aitchison in Willoughby, New South Wales | Property investment firm

James Aitchison

Locality: Willoughby, New South Wales

Phone: +61 438 274 713

Address: 4/549 WIlloughby Rd 2068 Willoughby, NSW, Australia

Website: https://www.premiumbroker.com.au/

Likes: 357

Add/Update information

Reviews

Tags

• Financial service
• Mortgage brokers
• Property investment firm
• Franchise broker

25.01.2022 Have an existing home loan? You may be worse off staying loyal to your existing lender, than looking at alternative options in the market! The RBA has revealed data that shows the price differences between new and outstanding variable rate home loans increases with the age of a loan. They are urging borrowers to shop around as it may save you thousands! Want to find out how much interest you could save? Get in touch for a free loan review! ... Read more: http://bit.ly/2OKowoZ

25.01.2022 Now that we can see the light at the end of the tunnel, it's a great time to get ahead! Open homes and live auctions are back on, and there are many great opportunities in the market. Whether that be a refinance or help with a pre-approval to purchase your dream home, I'm here to guide you through it all! During your free and no obligation appointment, I'll work with you to find the best deal based on your situation! Give me a call or send me a message to find out more.

24.01.2022 Are you looking to buy your first home, but not sure if you are ready financially? Not sure what your borrowing power is, or how much deposit you'll need? Whether you think you're ready, or a tad unsure - I can help you put a plan together to help you achieve that goal of purchasing your first home as quickly as possible. The best part? It's all free - we get paid by the banks when your loan settles, not by you As a mortgage broker, I'll do the heavy lifting with the bank...s to make sure you're getting the best rates. Ready to put an action plan into place? Get in touch by DM or give me a call to see how I can help!

20.01.2022 KEEN TO GET AHEAD AND KICK-START 2021? || Here are 3 great saving opportunities: 1. Take charge of your mortgage: Ensure that your rate is competitive, consider paying in more if you're financially secure or leverage your property equity. 2. Consider getting onto the property ladder: If you're a first home buyer, now is a great time to purchase. Historical low rates, government schemes & incentives and even opportunities to save on your daily commute are all great reasons t...o consider making the move. 3. Build value into your existing property: A well-maintained property will command a premium at the time of a sale. With some of the lowest interest rates in our history, if you are financially secure, consider getting an affordable renovation loan. You could even use your existing equity to do so. Not sure what your best way forward is? We can help you make an informed decision, scope the market and handle any paperwork should you choose to apply for finance. Get in touch today!

20.01.2022 There's a lot to think about before buying your first home, but I'm here to guide you through the whole process! I'm seeing these questions pop up quite regularly at the moment - Should I buy now, or should I wait? Am I eligible for any grants? ... What lender will give me an approval? Are any of these resonating with you too? As a first home buyer specialist, I can help answer all these questions - and more! If you want to find out more, or are keen to work on a plan to buy your first property - just send me a message or give me a call

19.01.2022 YOUR HOME LOAN JOURNEY // We can help make your home loan application a lot more smooth and efficient. If you’ve never engaged a broker before, here’s a quick look at what your journey will look like INITIAL CONTACT: A meet and greet to understand your financial goals. ANALYSIS: We’ll go through your financial situation and understand your needs and objectives. ... HOME LOAN CHOICE: Make sure the loan rate and fees, as well as features, are consistent with your requirements. Don’t forget to check the turnaround time too. APPLICATION: We’ll handle the paperwork, file your application and keep you posted on its progress. LENDER DECISION: We work hand in hand with the lender to help with approval. LOAN SETTLEMENT: It's best to engage a solicitor / conveyancer for smooth settlement. If you're not sure who, we can recommend reliable professionals! AFTER SETTLEMENT: You’ll receive online loan access from your lender and an invite to set up your account. Our job is to make the process as easy as possible! If you're considering purchasing a property soon or refinancing, get in touch to find out how we can help. LEARN MORE | premiumbroker.com.au

19.01.2022 Is your home loan over two years old? With multiple rate cuts and lenders wanting the business of low-risk borrowers, if you are financially secure and have a home loan over two years old, there's a good chance you may be able to lower your rate. It's worth chatting to your mortgage broker, or getting in touch with us to make an informed decision. There will be application paperwork involved with a refinance, but we'll make sure the process is a lot more hassle-free - that's what we're here for!

17.01.2022 Thinking about getting into the market, growing your portfolio or upsizing? According to Core Logic, Australian house prices have fallen 3.5% in the last 12 months to an average of $538,668. So, it's looking like the Sydney & Melbourne markets have swung back to a buyers market. This means it may be a great opportunity for you to finally take the plunge!! Need help understanding it all? Send me a message or give me a call, I'm here to help you out!

17.01.2022 On our website, you'll find a wide range of calculators you might find useful when buying a new home, investment property, switching your home loan or just looking at how to own your home sooner. VIEW CALCULATORS HERE | premiumbroker.com.au/calculators Reach out if you have any questions, or are keen to learn more!

15.01.2022 Looking to buy a home or refinance, and overwhelmed by all of the lenders to choose from? I'm here to guide you through the process and help you find the most suitable home loan. I work with you to: Understand your needs and goals Work out what you can afford to borrow... Find options to suit your situation Explain how each loan works and what it costs (e.g interest rates, features & fees) Apply for the loan and manage the process through to settlement The best part? Our service is complimentary (we're paid by the lenders, not you!) Send me a message or give me a call to find out how I can help.

15.01.2022 Happy New Year! We are back on deck and ready to hit the ground running. We are here to help you achieve your financials goals for 2020! Keen to get ahead? Send me a message or give me a call!

14.01.2022 IS A BROKER FOR YOU? // Finding the right home loan can be a complex and time-consuming task, especially for first home buyers. Today, mortgage brokers are responsible for arranging almost 6 out of every 10 home loans. Check out why so many people are opting to work with a Mortgage Broker below! Expert advice: We take the time to get to know you and assess your situation by understanding your financial habits, income and debt. This helps determine your borrowing power. We'l...l guide you along the way, explain the technical terms & small print and are on hand to answer any of your questions. Save time: We do all the legwork and research! Save money: We know where to find great interest rates and deals suited to your goals. Help with all the paperwork: It's our job to make it as easy and streamlined as possible. Our services are complimentary: We're paid by the lenders, not by you! If you're considering buying or refinancing, and want to take some stress out of the process - give me a call or send me a message!

13.01.2022 Among the many ways to save on mortgage repayments, an offset account is an easy and effective approach. Check out our tips to make the most of this account! #1 Deposit all earnings into your offset account #2 Same with any windfall gains e.g. bonus, sudden inheritance... #3 Use a credit card with your offset account: The longer you let funds stay in your offset account, the more you save on interest payments. Most credit cards have a repayment period of 45 days. #4 Check for Hidden Fees and Costs: Ensure there's no fees on withdrawals, no balance limitations and that it's a 100% offset account (as opposed to a partial one) Finding a lender that provides the right offset account can be challenging, and that's where we can help! Feel free to reach out if you have any questions.

11.01.2022 If you or your business is affected by COVID-19, I'm here to help! Premium Broker are working with all lenders to provide clients with support. These options differ from lender to lender! Give me a call to go through your options, or head here to find out more http://www.premiumbroker.com.au/covid19

07.01.2022 Looking to buy soon? A gentle reminder that you may experience long bank delays in your mortgage approval. Now more than ever, we'd recommend pre-arranging your loan so you know your limit when making an offer. This will help make sure you remain competitive in the bidding process too! Send us a message or give us a call to find out how we can help with pre-approvals. For tips on how to speed up the process head here | https://bit.ly/393dIfI

07.01.2022 MORTGAGE BROKERS V. DIRECT LENDERS // What's the difference? Before purchasing a home, it's important to understand the difference between going directly to a lender and using a mortgage broker. Check out the key differences below: PRODUCT RANGE: Mortgage brokers have access to no less than 20-30 lenders with over 1000 - 2000 products. When you go direct, you are limited to what that lender offers.... PRODUCT MATCH: Mortgage Brokers take the time to understand their clients situation and needs. This information and access to a wider range of product significantly improves your chance of finding a product that suits you best. CREDIT SCORE: A credit check run by a lender gets recorded as an enquiry on your credit file. Multiple enquiries can adversely impact your score. Checks run by Mortgage Brokers do not get recorded. When doing your research and exploring your options, using a broker will ensure there is no impact on your credit score. CONVENIENCE: As well as having access to a wider range of products, Mortgage Brokers are a lot more flexible with timings. You are restricted to office timings and locations when using a direct lender. If you're considering buying or refinancing, and want to enjoy a smoother and stress free process - get in touch today!

07.01.2022 Are you paying rent, and sick & tired of paying someone else's mortgage? You might be more than ready to purchase your own place, and it may even cost you less per week than the rent you are currently paying! Is this sounding all too familiar? Give me a call or send me a direct message and we can work together to help get your first place sooner!

06.01.2022 Have a hefty HECS debt that you’re slowly paying off each month? Do you even know how much you have owing? Might be time to check in and keep track - this Government loan could stop you from getting a mortgage Check out this interesting article by Money Magazine Australia or get in touch to find out more!

02.01.2022 Finding it hard to stay on top of lender requirements during COVID? Here are some tips to improve your chances of securing a home loan during this time: Prepare for questions if you are on the JobKeeper subsidy: Let your employer know to expect a call. Lenders will want to discuss the assurance of job security! If your hours have been dropped, wait it out: Even if you haven't suffered a decline in wages due to the JobKeeper Subsidy, lenders will view this as a temporary... fix in anticipation of a significant reduction once the subsidy ends. Consider lending process times: Processing times have changed significantly due to COVID. Make sure you know the processing time of your lender so you have a better chance of securing a good property deal. Watch your online & discretionary spending: Lenders are looking at lifestyle expenses much more closely! Rely on professional advice: Everything is changing so quickly. Seek professional advice to make sure you understand which lender is right for you. Read More | https://www.ybr.com.au//tips-to-boost-mortgage-approval-ch

02.01.2022 DID YOU KNOW: There's been an increase in First Home buyers Australia wide by 28.4% - and a 73.6% increase in NSW alone!! (QBE Housing Outlook 2018). So if you've been thinking about taking the next big step, it's looking like a great time to buy! Knowing where to start can be confusing, but here are 5 steps from realestate.com.au and ING Australia to help guide you through the process! Step 1: Your own research... Step 2: Legal Review Step 3: Building Inspection Step 4: Pre-approval - Don't forget that I can help you out here! Step 5: Make an offer! See more

02.01.2022 Thinking of fixing for 2 years? 2 years fixed rates are currently at historical lows. If you or your network are looking to get one of these great rates, let your Premium Broker know today.

02.01.2022 Take control of your finances in 2019! With the home loan market becoming increasingly complicated, now is the best time to use the services of a mortgage broker to help you better understand the whole process - from start to end. And it's not just home loans we can help with, check out what else we offer:... Car Financing Personal Loans Business and Commercial Loans We provide the full suite of services to take the stress away when dealing with financial intuitions. And the best part of it all? Our services are completely free of charge! If you have any questions, or are after a free home loan health check get in touch today!

01.01.2022 Thinking of buying a home together, but not married? Here's 5 things you should discuss as part of this exciting process 1BE OPEN ABOUT YOUR FINANCES: Review your finances together. Everything from your salaries, to student loans, to savings and yes - even your Afterpay habits. These details are really important in the application process & give you a better idea of your joint chances of being approved. 2DECIDE ON YOUR PREFERRED OWNERSHIP STRUCTURE: This determines h...ow the home is divided & sold if your partner dies. You have the choice between Joint Tenant and Tenants in Common. 3DECIDE WHO IS PAYING FOR WHAT: There's lots involved, so deciding this at the beginning could save a lot of headaches. 4ARE PARENTS GETTING INVOLVED? It's important your parents understand the legalities of what they're getting involved in - especially if you fall behind in payments or split from your partner. 5BE PREPARED FOR 'WHAT IF' SITUATIONS: What if you have a child & stop working? What if you need to move for your job? Preparing for these situations is all part of a responsible approach to property purchase with a partner. Think you might benefit from some expert advice to guide you through the process? We're always happy to help! Reach out today to find out how.

01.01.2022 As I'm sure you're aware, the Reserve Bank of Australia - RBA has officially cut the cash rate by 0.25% to 1.25% - the first move in rates since August 2016. It’s really important to revisit the rate you pay at various points to make sure you're getting the best deal, and there's no better time than now to review your interest rate Check out Macquarie Bank's Chief Economist explain the cut below https://www.macquarie.com//macquarie-bank-interest-rate-re ... Get in touch for a free review or for more information - we're more than happy to help you with your review process!