James Clark in Melbourne, Victoria, Australia | Mortgage brokers

James Clark

Locality: Melbourne, Victoria, Australia

Phone: +61 459 166 554

Address: Level 20/31 Queen Street 3000 Melbourne, VIC, Australia

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

Likes: 196

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• Financial service
• Loan service
• Mortgage brokers

24.01.2022 I have a fantastic Building Inspector if you need one...

23.01.2022 It’s common knowledge that after a few years, your original loan won’t be as competitive as it once was so it’s worth scoping the market to see what else is on offer. This process is known refinancing and is the act of replacing an existing home loan with a new one. People typically refinance for one of four reasons:... To get a better interest rate and lower their weekly repayments To access their equity for future investments To renovate To consolidate debts While changing your home loan may lead to lower interest rates and more flexible features, it can also come with additional costs so it’s essential to calculate both the savings and the expenses involved. To find a home loan that suits your current financial situation, call me on 0459 166 55

23.01.2022 I am offering a free Home Loan Health Check. When was the last time you looked at your loan??

23.01.2022 There’s been a lot of discussion lately around offset accounts and how they can shorten the length of your home loan and even reduce your repayments. How does this work? An offset account is a transaction account that is attached to your home loan.... You can use it the same way you would use your everyday banking account, as you’ll receive a debit card and your salary can be deposited directly into it. So what’s so special about it? Offset accounts can dramatically change the amount of interest you are paying on your home loan. Everyday, the amount you have in your offset account will be compared to the balance of your mortgage and this will determine how much of your loan you’ll pay interest on. For example, if you have a $300,000 home loan and $10,000 in your offset account, you’ll only be charged interest on $290,000. Tell me more Because home loan rates tend to be higher than what is offered for a savings account, offset accounts can be a great alternative for those wanting their money to work harder for them. It’s always advisable to speak to a mortgage broker on whether this is an appropriate option for you and I am happy to have a chat with you about your options.

17.01.2022 Do you have an existing loan and you’re not sure if it’s the right fit for you anymore? You don’t have to stick with your current lenders just because they were your go-to-guys a few years ago. I can help you find a much better deal to suit your current circumstances. The first thing you should do is organise a valuation of your home to get a clear understanding of what your property is worth in the current market. This estimate will be used to calculate your LVR which will a...ffect the amount of additional money you can borrow from the bank. Different lenders will assess the value of your home differently. To get a true indication of your property’s value or to find out how much equity you have on your current home loan, give me a call on 0459 166 554 or drop me a message

16.01.2022 Happy Father's day to all the Dads out there! A little different this year but still a special day.

12.01.2022 Have any questions about your home loan? Are you concerned about how the pandemic may be affect you and your home loan? Are you looking to purchase during these crazy times?... Well I can help you. Just feel free to reach out #Yourhappybroker

12.01.2022 Good news for existing home owners and people planning to enter the market the government has extended the HomeBuilder scheme. HomeBuilder provides financial support to owner-occupiers who want to build a new home, substantially renovate an existing home or buy an off-the-plan property. Under the original version of the scheme, participants in the HomeBuilder scheme receive a $25,000 grant if they sign a building contract before 31 December 2020.... Under the new version, participants will receive $15,000 if they sign a contract between 1 January and 31 March 2021. As before, construction must start within six months of the contract being signed. The price cap for renovations has been kept at $1.5 million (pre-renovation). However, the price cap for new builds, which is currently set at $750,000 for all states, will be increased to $850,000 for Victoria and $950,000 for New South Wales. To participate in HomeBuilder, you must be an Australian citizen and earn less than $125,000 for singles and $200,000 for couples.

11.01.2022 What crazy times we are living in! It will be a challenging time for most Victorians but we will get through this together. Stay in contact with friends, family even colleagues because a simple 5 min call can lift their spirits to remain positive and sane :) #weareinthistogether

11.01.2022 New 5.0-star Review: "James was an absolute pleasure to work with and made this whole process so much simpler for me. Highly recommend!"

10.01.2022 Navigating the mortgage loan market can be a really confusing experience. There are plenty of numbers and legal issues to consider and that’s before you even get down to choosing a great interest rate. Once borrowers get to this stage, they’ll often call and ask me about ‘comparison rates’ and whilst it’s always best to speak to a personal broker who can evaluate your situation, I thought I’d give you a brief rundown.... What is a comparison rate? A comparison rate is a single percentage figure that gives you a more realistic idea of what your loan will cost you. It combines the lender’s interest rate with all the extra charges and additional fees related to that loan. Lenders are legally required to disclose this rate in their advertising. How Can it Help Me Choose a Home Loan? Without guidance from a broker, most people simply compare loans based on the loan interest rate. This can be a mis-guiding practice as they won’t get the full picture of approval fees, establishment fees and other additional costs. Some loans will have a great interest rate but once those costs are factored in, may be far more expensive than a comparable loan with a slightly higher interest rate. If you need some help finding the best rate for you, give me a call

10.01.2022 If you want to turn your investment into a sure bet, you should buy in an area that’s attractive to as many tenants as possible. This means, infrastructure and amenities. Before you put in an offer make sure you visit the property and ask yourself the following questions:... Are there good public transport options nearby? Can shops and services be easily reached from the property? What about parks, recreation and entertainment complexes? How far is the property from major employment centres like the CBD? Are there major facilities in proximity such as schools, medical centres and hospitals? Sometimes an area may not tick all these boxes straight away but this doesn’t mean there aren’t plans underway to upgrade local infrastructure. Speak to the local government and check out historic growth data in the area. If you have any questions about what the next hot investment property suburbs are, feel free to call me

07.01.2022 It’s easy to get carried away when you find your dream house on the internet or attend an auction where the adrenaline is pumping and you’re ready to bid! The unfortunate reality is that most of us have budgets and unless you have a clear outline of what you can afford, you might find yourself trying to purchase something that’s out of your reach. That’s why home loan pre-approvals are so important.... Whilst there are plenty of online applications out there offering ‘instant’ results, there’s no guarantee they are accurate and they don’t hold the same authority as approval from a lending institution. Why not let your broker use their contacts and expertise to secure you an official, fast and low-rate pre-approval, so you can start spending with confidence! If you have any questions about pre-approval or would like me to start organising yours today, feel free to contact me

06.01.2022 Just taking a quick moment to say Thank you, as you have trusted me to help you reach your goals in the past year, We too traversed several milestones during 2020 but still it was a year for some to forget. This New Year let us raise a toast to the wonderful journeys ahead, and be hopeful about many more to come. HAPPY NEW YEAR!!!

06.01.2022 Lockdown to stall property price growth - Good Read!! https://www.yourinvestmentpropertymag.com.au//lockdown-to-

05.01.2022 Need help getting connected with a Real Estate Agent? I deal with a few of the best Agents in town! Just ask.

05.01.2022 One of the great features of a home loan is the ability to redraw any of the money you’ve made in extra payments on your mortgage. It’s a handy service for those needing access to a lump sum of cash and is often used for household renovations or unexpected expenses. The biggest drawcard is that the compound interest you are making on your mortgage payments is most likely more than you’d get from a savings account. Savvy borrowers know this means more bang for their buck and t...hat if they exercise restraint they can save thousands of dollars over the life of their loan. The only drawback? Depending on your lender, you may have different fees and restrictions on your withdrawals. It always pays to speak to a broker, who can advise you on which loans will work for you, if you are factoring redraw into your home loan plan. I am happy to chat with you about these facilities or any other questions you have. Give me a call today!

04.01.2022 Median price growth for the month of November ranged from 0.4% in Sydney to 1.9% in Darwin and Canberra. Over the year to November, prices grew in all capitals except Melbourne. Canberra’s median price ($672,866) is now higher than Melbourne’s ($672,172), making Canberra the second-most expensive capital city property market, behind Sydney.... Peter Koulizos, chairman of the Property Investment Professionals of Australia (PIPA), said the latest statistics were in stark contrast to the alarmist forecasts at the start of COVID. Big banks and some property commentators were predicting property price falls of anywhere from 10-30%, he said. At the same time, PIPA produced research to show that house prices had increased by as much as 100% in the five years after the most recent recessions.

04.01.2022 After the year we have all had I truly hope you enjoy the festive season with your loved ones! All the best for 2021. From my Family to yours Merry Christmas and Happy New Year.

04.01.2022 5.0-star Review: "Fantastic experience with the fidget team as first home buyers. James and his team went over and above in helping us secure our first home loan and have been extremely diligent and helpful every step of the way. I would highly recommend James to anyone thinking of using a mortgage broker!"

03.01.2022 Do you know anyone looking to refinance their Home Loan? Get them to have a chat with me....

02.01.2022 5.0-star Review: "James from Fidget loans provided superb service to myself and fiance during our first home purchase. Every step of the journey was taken care of clearly and professionally. James and the team were efficient, courteous, and cut to the chase when needed. He was able to negotiate our home loan for us to get the best deal possible.I'd highly recommend James and Fidget loans to anyone looking for knowledgeable, professional, hard-working broker who gets results.- Ciaran"

02.01.2022 5.0-star Review: "I used fidget a few months ago for my first ever home purchase, and I'm so happy that I did. James and Lee helped make the experience a lot less daunting and went out of their way to assist me in any way that they could. They were very responsive and would return en email or phone call pretty much immediately. Not only was the level of professionalism impeccable, they were extremely patient, honest and transparent, and so kind. Thank you Lee and James for making such a daunting process so easy for me. I will be using fidget again and I highly recommend this service to anyone."

01.01.2022 A great quick read for First Home Buyers!