Joanna Thenabadu in Wheelers Hill, Victoria | Financial consultant

Joanna Thenabadu

Locality: Wheelers Hill, Victoria

Phone: +61 405 288 732

Address: Suite 1 & 2, Ground Floor, 2 Brandon Park Drive 3150 Wheelers Hill, VIC, Australia

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

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25.01.2022 Your property inspection checklist When you’re house hunting, it’s easy to get distracted by aesthetics. This checklist will help you focus on what’s really important at a property inspection. Is it right for you?...Continue reading

25.01.2022 Your property inspection checklist When youre house hunting, its easy to get distracted by aesthetics. This checklist will help you focus on whats really important at a property inspection. Is it right for you?...Continue reading

24.01.2022 Say goodbye debt (and hello home loan) in seven straightforward steps. Its all too easy to rack up debt credit cards, HECS, car loans and may seem all too hard to pay it off. Debt can also have a big impact on how much money you can borrow for a home loan, so reducing your debt is essential when you set out to buy your first home. Here are seven steps you can take towards minimising your debt and moving into the property market....Continue reading

22.01.2022 Want to help your kids buy property? Heres how. The real estate market can be tough for young adults, but as a parent you may be able to lend a helping hand. We tell you how. 1.Parent-to-child loan...Continue reading

21.01.2022 A great article on how to negotiate the best property price.

21.01.2022 When the auction is passed in to you! What happens next? When a house is passed in at auction, youre in the box seat for negotiating if youre the highest bidder.

20.01.2022 A simple guide to small business loans. To know how refer Joanna Thenabadu- Mortgage Broker Facebook for article. #businessloans #homeloans #personalloan #mortgage

19.01.2022 The Australian residential housing market has been highly variable this year, and weve seen some highlights as well as lowlights. We look ahead at whats expected for the remainder of 2018 and beyond.

19.01.2022 Why location is crucial when buying an investment property The first thing most of us look at when selecting an investment property is its location. If the property itself isnt quite right, you can always renovate, but its not as easy to move a house to a better location. Thats why you should consider the location carefully. Here are some of the most important things to look for. Love thy neighbour... Before you buy, familiarise yourself with the local community. If possible, visit the neighbourhood during both day and night to get a feel for whether its a safe place to live. Are there kids playing outside or security bars on the windows? Are there trampolines in the front yards or the remnants of last nights party? This will help you determine whether the location is suitable for the type of tenants you want. After all, if youre looking in an area that attracts university students but you would prefer to rent to a quiet couple, then perhaps this location isnt right for you. Future plans The neighbourhood might look suitable now, but things can change. Its a good idea to investigate any future plans that could affect the value of your property. For example, the local council should be able to tell you if a freeway or large-scale construction is planned. Major works could increase or decrease your propertys value depending on where theyre situated. Access to infrastructure To increase your potential rental income, try to buy near desirable infrastructure and facilities. For example, families often pay a premium to live in the catchment area of a quality public school, so its worth checking the educational zoning. Access to shops, public transport and the beach are also attractive features for both tenants and prospective future buyers. And while its handy to be near the airport, if youre located right under the flight path it might impact the amount of rental income you receive. Bargain pockets Finding a bargain pocket in a good suburb could increase your capital growth potential. By looking at demographic data, such as that collected during the Census, you may be able to spot trends. Perhaps the neighbourhood has recently been gentrified by young professional couples who are increasing the average income of the area, which is likely to increase the value of the property over time. Bargain pockets may also be found in close proximity to high-growth areas that will benefit your investment in the long term. Searching for an investment property can be a rewarding experience. By considering the location, not just the address, you can increase your chance of maximising your rental and capital growth potential.

18.01.2022 Rental yields what you need to know Calculating rental yield should only be part of your assessment of a propertys investment potential. To do due-diligence and ensure you're making the right investment, its also important to consider the resale value, investigate market reports, demographics, sales and rentals history in an area, planning and infrastructure, and the story of the building.

18.01.2022 How To Buy A Home When Youre Self-Employed Self-employed borrowers come up against the challenge of not being able to simply present payslips and tax returns to back up their loan applications. But this need not stop you buying your dream home.

17.01.2022 What Type Of Loan Is Right For You? The array of mortgages available helps a good finance broker to tailor a package to suit your needs. Here are just some of the options.

17.01.2022 Refinancing can be a serious financial decision with a number of variables to consider. I can help establish the type of loan that may work best for you, how much you can borrow and any extra features you want. I can guide you through the refinancing process and apply their knowledge and understanding of mortgages to help you achieve the best outcome if you decide to go ahead.

15.01.2022 Credit report changes: dont be caught out If you applied for a home loan in the current financial environment , your lender would probably assess your application in the context of both your credit score and your credit history on top of your income, assets, liabilities and living expenses. Your credit score is a number calculated by a credit-reporting agency, which compares you to other borrowers and categorises your credit risk profile. The higher your score, the lower y...Continue reading

14.01.2022 A great article on home loan pre-approvals and important steps to follow.

13.01.2022 Your guide to investment property loans There are certain things to look out for when selecting and applying for a loan for your investment property. Here we look at the main differences, the most popular loan types, and how to get the best mortgage for your situation. Interest-only, fixed, variable, offset finding the investment home loan thats right for you can seem like a minefield of financial jargon and conditions....Continue reading

12.01.2022 A simple guide to small business loans Small business loans can be great when you need to get your brand up and running or cover unexpected expenses. However, its useful to understand the difference between the available options before committing to one. To help you make the right choice, heres what you need to know about some of the more commonly used business loans.... Line of credit/overdraft A line of credit involves overdrawing on your businesss bank account up to an amount approved by your financial institution. This is commonly used for short-term capital, or as a source of cash flow to keep operations running smoothly. Pros: Flexible use funds as needed and repay at your own pace. Allows you to establish a good credit history for future borrowing. Simpler application process than other loan types. Cons: The bigger the overdraft, the bigger the fees. May incur fees even when not being used. Bank term loan (secured or unsecured) A bank term loan is a medium-to-long-term loan option commonly used for purchasing equipment or covering business start-up costs. It involves borrowing form a lender and making regular repayments over an agreed period. Pros: Flexible choose from fixed, variable, split rate or interest-only loans. Allows you to borrow a larger sum over a longer term, with lower interest rates. May be able to match the loan term to the life span of the underlying asset. Cons: May be subject to borrowing minimums. Attracts set-up and service fees. Variable rates can fluctuate, resulting in higher repayments. Mortgage loan A mortgage loan can be used to cover most of the upfront costs of purchasing a property for your business. The property is then used as collateral by your lender until youre able to repay the loan amount and the incurred interest. Pros: Flexible choose from fixed, variable, split rate or interest-only loans. May offer features such as redraw facilities and no-penalty early repayment. May be easier to obtain than a bank term loan. Cons: May be subject to borrowing minimums. Attracts set-up and service fees. Variable rates can fluctuate, resulting in higher repayments. Lease financing Used primarily for equipment and vehicle purchases, lease financing means the lender owns the asset and charges the business a hire fee. At the end of the lease agreement, the business may be able to refinance or purchase the asset. Pros: Allows you to maximise the use of your working capital. May entitle you to certain tax deductions. Cons: May be more expensive than other types of financing over the long run. May be subject to hefty early termination fees. Looking for the right business loan? Understanding how the different commercial loans vary can help you choose one that best suits your business needs. Make sure you speak with a professional mortgage broker before making any decisions to ensure your business gets the right level of financial support.

10.01.2022 6 tax tips for property investors 22 May 2019 Some things only happen once a year. Christmas, Easter, birthdays and of course, tax time. And just like gift shopping, you should never leave your tax paperwork till the last minute. Staying on top of your admin and filing documents and receipts throughout the year ensures tax time is stress- and hassle-free. So if youre a property investor, heres how to maximise your return when it comes to tax time....Continue reading

09.01.2022 Whats The Secret To Buying My First Home? Saving for a home loan or mortgage isnt glamorous but it has to be done. So here are some savings tips for first home buyers to help get you into the property market.

09.01.2022 Navigating a home loan when youre new to Australia Mortgage brokers, loan pre-approval, fixed versus variable rate loans, stamp duty, conveyancing..if youre new to Australia, the language of home buying can seem mystifying. Here are some of the things you need to know to get yourself on the road to the great Australian dream. Keep in mind, however, that speaking with an expert is the best way to get the latest information. Restrictions on foreign ownership...Continue reading

09.01.2022 Ready to buy property off the plan? Read this first. While there are some risks when buying off the plan, being prepared, asking the right questions and talking to your mortgage broker about finances can help you to enjoy the benefits of a brand-new home.

07.01.2022 Season Greetings and thank you for your support #seasongreetings #happyholidays #homeloans #investmentloans #mortgagebroker #homeloanspecialist #carloan #personalloans

06.01.2022 Credit report changes: don’t be caught out If you applied for a home loan in the current financial environment , your lender would probably assess your application in the context of both your credit score and your credit history on top of your income, assets, liabilities and living expenses. Your credit score is a number calculated by a credit-reporting agency, which compares you to other borrowers and categorises your credit risk profile. The higher your score, the lower y...Continue reading

05.01.2022 Say goodbye debt (and hello home loan) in seven straightforward steps. To know how refer to Joanna Thenabadu-Mortgage Broker Facebook Page for article #homeloan #home #loan #personalloan #mortgagebroker #mortgage #homeloanspecialist #mortgagebroker

04.01.2022 Why good tenants are more important than you think. A consistent and reliable tenant will look after your property and help you generate the best returns from your valuable investment. When you attract a high-quality tenant, you can rest easy knowing that your investment is in good hands.

04.01.2022 Wondering how to pay off your home loan sooner? We look at some things you could do. Check out the following smart tips for paying off your home loan sooner.

04.01.2022 With interest rates at an all-time low, taking the option of locking in an interest rate on your home loan to guard against possible future fluctuation may be one of the options. However, it pays to know the ins and outs of fixed-rate loans before committing to one. Please fell free to contact me, if you need to find out which options will best suit you.

03.01.2022 Industry Urges Australians To Protect Competition in Home Lending | MFAA https://www.mfaa.com.au//industry-urges-australians-to-pro

03.01.2022 Why some interest-only borrowers are keen to switch. To know how refer Joanna Thenabadu-Mortgage Broker for article. #homeloans #homeloanspecialist #properties #personalloans

02.01.2022 Why some interest-only borrowers are keen to switch. New government regulations mean interest-only loans are on the decline. Given the changes, it may be time to reconsider your own loan structure. Rewind a few years and many people would have confidently assured you that an interest-only loan a home loan on which you only have to make interest payments for a set period of time was the way to go. Its benefits were clear to many owner-occupiers and investors. For those buy...Continue reading

02.01.2022 A great article on the property market.

01.01.2022 So, youre thinking of buying your first residential investment property? There are a few things to consider before making the move. Here are our top 10 tips for avoiding potential difficulties and ensuring success.

01.01.2022 Want to help your kids buy property? To know how refer Joanna Thenabadu-Mortgage Broker for article #homeloans #properties #homeloanspecialist #personalloan