Jean Ballios in Attadale, Western Australia, Australia | Mortgage brokers

Jean Ballios

Locality: Attadale, Western Australia, Australia

Phone: +61 421 665 682

Address: Moreing Road 6156 Attadale, WA, Australia

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

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25.01.2022 HELLO FIRST HOME BUYERS! Are you looking at purchasing your first home? At the moment there are a number of incentives and offers that can help you to achieve your goal - possibly sooner than you had expected. FIRST HOME BUYER DEPOSIT SCHEME... - Purchase a home with only a 5% deposit - No Lenders Mortgage Insurance paid - $400,000 maximum purchase - There are some income restrictions 15% DEPOSIT AND $1 LMI OFFER - One lender is offering First Home Buyers a loan and only requiring a 15% deposit rather than the usual 20% deposit - You only pay $1 LMI - If there are joint applicants only one needs to be a First Home Buyer - No restrictions on purchase price FIRST HOME BUYERS GRANT - Purchase for $430,000 or less and pay no stamp duty - Purchase for $430,001 - $530,000 and pay reduced stamp duty - Build and receive $10,000 bonus (other restrictions apply) BUILDING BONUSES - They are not restricted to First Home Buyers , but the WA and Federal building grants can provide up to $45,000 towards your build!! - Some income and security conditions apply Get in touch if you want further details! See more

24.01.2022 Fixed-rate loans With interest rates at an all-time low, and many lender’s fixed rates lower than their variable options, locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one. ... When purchasing a property, refinancing or just renegotiating with your current lender, borrowers can generally decide between fixed-interest loans that maintain the same interest rate over a specific period of time, or variable-rate loans that charge interest according to market rate fluctuations. Fixed-rate loans usually come with a few provisos: borrowers may be restricted to maximum payments during the fixed term and can face hefty break fees for paying off the loan early, selling the property or switching to variable interest during the fixed rate period. However, locking in the interest rate on your home loan can offer stability. For those conscious of a budget and who want to take a medium-to-long term position on a fixed rate, they can protect themselves from the volatility of potential rate movement, a finance broker says. Fixed rates are locked in for an amount of time that is prearranged between you and your lender. There are some lenders that offer seven-year or 10-year fixed terms, but generally one to five years are the most popular, the finance broker says. The three and five-year terms are generally the most popular for customers because a lot can change in that time. Further to this, fixed-rate loans can also be pre-approved. This means that you can apply for the fixed-rate loan before you find the property you want to buy. When you apply for a fixed rate, you can pay a fixed rate lock-in fee also known as a ‘rate lock’, which will, depending on the lender, give you between 60 and 90 days from the time of application to settle the loan at that fixed rate, the broker explains. It will also depend on the lender as to whether the rate lock will be applied on application or approval, added the broker. It is important to be clear on this issue as it has been known to be a common point of error. Pre-approval helps you to discern how much money you are likely to have approved on official application. Knowing that your potential lender will offer a fixed-term fixed interest loan gives further peace of mind for those borrowers looking to budget precisely rather than be susceptible to rate fluctuations. In addition, borrowers should consider the possibility of arranging a ‘split’ loan. This option allows you to split your loan between fixed and variable rates either 50/50 or at some other ratio. This can allow you to ‘lock in’ a fixed interest rate for up to 5 years on a portion of your loan, while the remainder is on a variable rate which may give you more flexibility when interest rates change and potentially minimise the risks

21.01.2022 April is Home Loan Check Up Month - and I don't think there has ever been a better time to do it. During this difficult time I am happy to do home loan check ups for you and try to get you a better rate with your bank. I've done three this morning already - and got a lower rate for all three clients. Please give me a call on 0421665682 or email me if you'd like me to have a look at your rates. It is so easy for your loan payments to be automatically debited and then fo...rget all about them. Not thinking about your loan is a great thing, but at least once a year you should run a loan health check to make sure they are still up to scratch. Things to look out for when doing the health check: Did you come out of a fixed rate recently? If so, your bank might have rolled you onto a ridiculously high interest rate. Have you had your loan for a few years without making any changes? The cash rate has dropped 3 times so far in 2019, so you might be paying too much Are you happy with the loan features that you have? Do you like the sound of an offset account or redraw? Do you want to now fix your loan? Doing a loan health check does not necessarily mean you will need to move banks. We might do a pricing approval to get you on a lower rate or fix all or part of your loan. I highly recommend that you set aside 20 minutes to review your loans and get in touch if you want to discuss your options! https://www.facebook.com/JeanBalliosMortgageBroker/ See more

21.01.2022 Are you a First Home Buyers struggling to come up with a deposit to purchase your first home or house and land package? The First Home Loan Deposit Scheme allows you to purchase a home with a deposit of as little as 5%. I have been notified that there are places available.... If you think you are eligible and keen to purchase or build soon, please contact me ASAP. Please see the link below for further details: https://www.nhfic.gov.au//fact-sheet-first-home-loan-depos https://www.facebook.com/JeanBalliosMortgageBroker/

20.01.2022 The banks are promising to help us get through this touch time, so please get in touch if you need any help or advice.

19.01.2022 March is Home Loan Check Up Month - It is so easy for your loan payments to be automatically debited and then forget all about them. Not thinking about your loa...n is a great thing, but at least once a year you should run a loan health check to make sure they are still up to scratch. Things to look out for when doing the health check: Did you come out of a fixed rate recently? If so, your bank might have rolled you onto a ridiculously high interest rate. Have you had your loan for a few years without making any changes? The cash rate has dropped 3 times so far in 2019, so you might be paying too much Are you happy with the loan features that you have? Do you like the sound of an offset account or redraw? Do you want to now fix your loan? Doing a loan health check does not necessarily mean you will need to move banks. We might do a pricing approval to get you on a lower rate or fix all or part of your loan. I highly recommend that you set aside 20 minutes to review your loans and get in touch if you want to discuss your options! https://www.facebook.com/JeanBalliosMortgageBroker/ See more

18.01.2022 Is it really Friday? :) HOME OPEN - Are you going to any home opens this weekend? Are you looking for your dream home, an investment property or (like me) just sticky-beaking at your neighbours houses?? If you are looking to buy, I highly recommend finding out your borrowing power before you start looking. There is nothing worse than finding the perfect house only to realise that it is not in your price range. I can help to calculate what you can borrow and take you through... the steps to consider how much you should borrow - they are often two different amounts! If you are about to start looking at properties it is also worth considering getting a pre-approval. This is a formal application where the bank will tell you EXACTLY how much you can borrow. It means you know your budget and can bid accordingly. It is also a big positive if you can tell the real estate agent / seller that you already have pre-approval as they know you are serious and your finance won't be an issue. It improves the chance of your offer being accepted, even if its not the highest. Contact me on 0421 665 682 or at [email protected] Happy house-hunting!! https://www.facebook.com/JeanBalliosMortgageBroker/ See more

18.01.2022 February is Home Loan Check Up Month - It is so easy for your loan payments to be automatically debited and then forget all about them. Not thinking about your loan is a great thing, but at least once a year you should run a loan health check to make sure they are still up to scratch. Things to look out for when doing the health check: Did you come out of a fixed rate recently? If so, your bank might have rolled you onto a ridiculously high inter...est rate. Have you had your loan for a few years without making any changes? The cash rate has dropped 3 times so far in 2019, so you might be paying too much Are you happy with the loan features that you have? Do you like the sound of an offset account or redraw? Do you want to now fix your loan? Doing a loan health check does not necessarily mean you will need to move banks. We might do a pricing approval to get you on a lower rate or fix all or part of your loan. I highly recommend that you set aside 20 minutes to review your loans and get in touch if you want to discuss your options! https://www.facebook.com/JeanBalliosMortgageBroker/ See more

17.01.2022 April is Home Loan Check Up Month - and I dont think there has ever been a better time to do it. During this difficult time I am happy to do home loan check ups for you and try to get you a better rate with your bank. Ive done three this morning already - and got a lower rate for all three clients. Please give me a call on 0421665682 or email me if youd like me to have a look at your rates. It is so easy for your loan payments to be automatically debited and then fo...rget all about them. Not thinking about your loan is a great thing, but at least once a year you should run a loan health check to make sure they are still up to scratch. Things to look out for when doing the health check: Did you come out of a fixed rate recently? If so, your bank might have rolled you onto a ridiculously high interest rate. Have you had your loan for a few years without making any changes? The cash rate has dropped 3 times so far in 2019, so you might be paying too much Are you happy with the loan features that you have? Do you like the sound of an offset account or redraw? Do you want to now fix your loan? Doing a loan health check does not necessarily mean you will need to move banks. We might do a pricing approval to get you on a lower rate or fix all or part of your loan. I highly recommend that you set aside 20 minutes to review your loans and get in touch if you want to discuss your options! https://www.facebook.com/JeanBalliosMortgageBroker/ See more

17.01.2022 If you are concerned about servicing your loan, please reach out for help. You may be experiencing financial hardship through job loss, a reduction in work hours, or business disruption as a result of the Coronavirus. The banks have all announced financial relief strategies. In an official Australian Banking Association (ABA) statement, CEO Anna Bligh said, Banks stand ready to support customers and if anyone is in need of assistance, they shouldnt wait but come forward as soon as possible. Different lenders have different assistance options. I can forward you the details for your particular bank. If you have any questions or concerns about your existing loans, need further guidance on hardship assistance, or have other questions about your loan arrangements please pm me. https://www.facebook.com/JeanBalliosMortgageBroker/

16.01.2022 HOME OPEN - Are you going to any home opens this weekend? Are you looking for your dream home, an investment property or (like me) just sticky-beaking at your neighbours houses?? If you are looking to buy, I highly recommend finding out your borrowing power before you start looking. There is nothing worse than finding the perfect house only to realise that it is not in your price range. I can help to calculate what you can borrow and take you through the steps to consider ho...w much you should borrow - they are often two different amounts! If you are about to start looking at properties it is also worth considering getting a pre-approval. This is a formal application where the bank will tell you EXACTLY how much you can borrow. It means you know your budget and can bid accordingly. It is also a big positive if you can tell the real estate agent / seller that you already have pre-approval as they know you are serious and your finance won't be an issue. It improves the chance of your offer being accepted, even if its not the highest. Contact me on 0421 665 682 or at [email protected] Happy house-hunting!! https://www.facebook.com/JeanBalliosMortgageBroker/ See more

13.01.2022 May is Home Loan Check Up Month - It is so easy for your loan payments to be automatically debited and then forget all about them. Not thinking about your loan is a great thing, but at least once a year you should run a loan health check to make sure they are still up to scratch. Things to look out for when doing the health check: Did you come out of a fixed rate recently? If so, your bank might have rolled you onto a ridiculously high interest ra...te. Have you had your loan for a few years without making any changes? The cash rate has dropped 3 times so far in 2019, so you might be paying too much Are you happy with the loan features that you have? Do you like the sound of an offset account or redraw? Do you want to now fix your loan? Doing a loan health check does not necessarily mean you will need to move banks. We might do a pricing approval to get you on a lower rate or fix all or part of your loan. I highly recommend that you set aside 20 minutes to review your loans and get in touch if you want to discuss your options! https://www.facebook.com/JeanBalliosMortgageBroker/ See more

09.01.2022 When should I speak to a finance broker? This is one of the questions that I get asked all the time and my answer is always - ASAP! There is no such thing as speaking to a broker too early. You might be surprised to know that I meet a lot of my clients 6 months or more before they are actually ready to buy! Catching up with a broker early on is a great idea as we can discuss your needs and objectives, have a look at your borrowing power ...and talk through the process of buying a property. It also means that you will have a better understanding of how much you need to save for your deposit, whether you could benefit from having a guarantor and if you need to change your spending habits or clear debts (bye bye credit cards). Researching the market and getting organised early are also key to making an informed decision and making sure that you are in a position to buy your dream home when it comes up for sale! https://www.facebook.com/JeanBalliosMortgageBroker/ See more

09.01.2022 June is Home Loan Check Up Month - It is so easy for your loan payments to be automatically debited and then forget all about them. Not thinking about your loan is a great thing, but at least once a year you should run a loan health check to make sure they are still up to scratch. Things to look out for when doing the health check: Did you come out of a fixed rate recently? If so, your bank might have rolled you onto a ridiculously high interest r...ate. Have you had your loan for a few years without making any changes? The cash rate has dropped 3 times so far in 2019, so you might be paying too much Are you happy with the loan features that you have? Do you like the sound of an offset account or redraw? Do you want to now fix your loan? Doing a loan health check does not necessarily mean you will need to move banks. We might do a pricing approval to get you on a lower rate or fix all or part of your loan. I highly recommend that you set aside 20 minutes to review your loans and get in touch if you want to discuss your options! https://www.facebook.com/JeanBalliosMortgageBroker/ See more

09.01.2022 Happy Humpday to you all! Whatever your goals are, let me help you achieve them! Looking for a loan? Get in touch with me today! Please click the link below to like my page: https://www.facebook.com/JeanBalliosMortgageBroker/

09.01.2022 Keylend is honoured to announce that the business has been recognised, for the eighth year in a row, as Finalists in the MFAA Excellence Awards in two categorie...s, the best Finance Broker Business Award and the best Customer Service Award. The MFAA Excellence Awards are the most rigorous in the Australian mortgage and finance industry and are judged by an independent panel of industry specialists, business professionals and experts and is based on the demonstration of professionalism, integrity, ethical conduct, growth and innovation. To experience the expertise, call Keylend now on 1300 821 000. Youll be pleasantly surprised!

07.01.2022 Fixed-rate loans With interest rates at an all-time low, and many lenders fixed rates lower than their variable options, locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one. ... When purchasing a property, refinancing or just renegotiating with your current lender, borrowers can generally decide between fixed-interest loans that maintain the same interest rate over a specific period of time, or variable-rate loans that charge interest according to market rate fluctuations. Fixed-rate loans usually come with a few provisos: borrowers may be restricted to maximum payments during the fixed term and can face hefty break fees for paying off the loan early, selling the property or switching to variable interest during the fixed rate period. However, locking in the interest rate on your home loan can offer stability. For those conscious of a budget and who want to take a medium-to-long term position on a fixed rate, they can protect themselves from the volatility of potential rate movement, a finance broker says. Fixed rates are locked in for an amount of time that is prearranged between you and your lender. There are some lenders that offer seven-year or 10-year fixed terms, but generally one to five years are the most popular, the finance broker says. The three and five-year terms are generally the most popular for customers because a lot can change in that time. Further to this, fixed-rate loans can also be pre-approved. This means that you can apply for the fixed-rate loan before you find the property you want to buy. When you apply for a fixed rate, you can pay a fixed rate lock-in fee also known as a rate lock, which will, depending on the lender, give you between 60 and 90 days from the time of application to settle the loan at that fixed rate, the broker explains. It will also depend on the lender as to whether the rate lock will be applied on application or approval, added the broker. It is important to be clear on this issue as it has been known to be a common point of error. Pre-approval helps you to discern how much money you are likely to have approved on official application. Knowing that your potential lender will offer a fixed-term fixed interest loan gives further peace of mind for those borrowers looking to budget precisely rather than be susceptible to rate fluctuations. In addition, borrowers should consider the possibility of arranging a split loan. This option allows you to split your loan between fixed and variable rates either 50/50 or at some other ratio. This can allow you to lock in a fixed interest rate for up to 5 years on a portion of your loan, while the remainder is on a variable rate which may give you more flexibility when interest rates change and potentially minimise the risks

05.01.2022 Finances on your mind? Do yourself a favour, speak to me. If you are finding it tough to meet your current financial obligations or you are just interested in reviewing your current home loan, then you are not alone. Turbulent does not even begin to describe 2020 so far. As a result of COVID-19 and not forgetting the bushfires, thousands of Australians are out of work, with Treasury predicting that the jobless rate will double in the June quarter from 5.1 per cent to 10 per ...cent. Many others have had their hours reduced or have been temporarily stood down. In this period of uncertainty, at the very least many will be taking a closer look at their finances to make sure their current loan arrangements are right for them. And while the options can seem straight forward, it is easy to miss the details and differences that can add up, particularly over a 30-year term. For example, a number of banks are offering to temporarily freeze mortgage repayments for three or six months. While this may seem like a good option, it is important to fully understand the implications. This could mean that the total debt will increase. Of course, depending on an individuals circumstances, there may be a number of available alternatives that may reduce repayments while not increasing your interest bill as much in the long term. Refinancing too may be on the minds of many as a result of the Reserve Bank cutting rates and banks passing them on, to varying degrees, as well as access to a range of competitive fixed interest rate options on the market While a simplistic view of what constitutes a great mortgage is the one with the lowest interest rate, what suits one person might not necessarily suit another. For instance, fixed interest rates can offer piece of mind as interest rates increase, but they can be the cause of anxiety if rates fall or if unforeseen circumstances require a change. No matter what your circumstances are, I can actively assist you in navigating your current situation. So, if youve been thinking about reassessing your finances please give me a call to discuss. https://www.facebook.com/JeanBalliosMortgageBroker/

04.01.2022 WOW! 25k for a construction from Federal govt and $20k from State Government along with 10k FHOG. You may also qualify for the Home Loan Deposit Scheme. If you are thinking of building - now might be a good time. Please get in touch for more information: https://www.facebook.com/JeanBalliosMortgageBroker/

03.01.2022 Are you a First Home Buyers struggling to come up with a deposit to purchase your first home or house and land package? The First Home Loan Deposit Scheme allows you to purchase a home with a deposit of as little as 5%. I have been notified that there are places coming available next week on the 1st July. ... If you think you are eligible and keen to purchase or build soon, please contact me ASAP. Please see the link below for further details: https://www.nhfic.gov.au//fact-sheet-first-home-loan-depos https://www.facebook.com/JeanBalliosMortgageBroker/

03.01.2022 With the start of the new year, and the start of a new decade, now is a great time to refocus and reset your financial goals. Do you want to purchase a new home or an investment property? Do you want to travel? Do you want to renovate your house or backyard?... Do you want to save for the future? Talking to a finance broker when you are setting your financial goals can ensure that you know exactly how much you need to save, what your budget should be and how much you can realistically save per month. Reviewing your interest rates, refinancing or consolidating debts are other great ways to reduce your expenses and increase your savings. See more