Joe Gardiner | Businesses

Joe Gardiner

Phone: +61 1300 733 942

Address: L3 480 Collins Street, Melbourne 3000

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

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25.01.2022 The crucial final touches on the federal governments $25,000 HomeBuilder scheme have been revealed. Will your build be eligible?

25.01.2022 Attention Refinancers, and First Home Buyers When making offers on homes or prior to getting a Valuation, a CoreLogic property report is invaluable. It will guide you on market value - and could save you thousands. ... This is part of how we help, by providing these Reports and using them within how we guide you.

25.01.2022 Newport in the #InnerWest has been a stellar first home buyer spot over the last 5-6 years with more young families buying into the area. Its got handy access to trains and the freeway, with a good local cafe scene and good schools. This 4 bedroom 2 bathroom property is listed with local agents Williams and has a SOI price of $980-$1.1m.... #topsuburbs #property

25.01.2022 Found yourself with extra time on your hands? Slightly worried about meeting your home loan repayments? Want to make use of those back-to-back rate cuts? While the world has changed significantly over the past month, its possible to use some changes to your advantage. Before we go any further though, we want to say we understand theres no shortage of Aussie families doing it tough right now.

23.01.2022 Love this :) "Joe and his team were excellent. Knowledgeable, efficient, great customer service. They made applying for the loan the easiest part of buying a house. I Highly recommend." - Traudi

23.01.2022 Imagine waking up to this! #dreamproperty

22.01.2022 ATTN: First Home Buyers! Here is a 1 minute video from ScoMo about what the plans are for the First Home Owner Deposit Scheme. Are you eligible? Join my waitlist to be informed: http://bit.ly/First_Home_Buyer_Coaching_and_News ... Top 7 Tips for this FHB Scheme 1) The Morrison Government is helping first home buyers into their first home. 2)The First Home Loan Deposit Scheme helps eligible first home buyers purchase a house with a deposit as low as 5%. 3) First home buyers could save around $10,000 in Lenders Mortgage Insurance under our scheme. 4) Smaller lenders will be prioritised to help boost competition. 5) First home buyers with an income of up to $125,000 (or $200,000 for a couple) will be eligible. 6) This will help make the Australian dream a reality while protecting the value of homes. 7) Limited to 10,000 people. -Join my waitlist to be informed: http://bit.ly/First_Home_Buyer_Coaching_and_News https://www.youtube.com/watch?v=xTyQPyGbj6g

22.01.2022 There was one big-ticket initiative in the federal budget that really caught our eye, and that was the turbocharged version of the instant asset write-off scheme. Today we’ll look at how it could improve your business’s cash flow moving forward.

21.01.2022 Mortgage holders and business operators are being encouraged by the RBA to switch lenders if their bank doesn’t pass on the latest cash rate cut.

20.01.2022 Consumer sentiment is surging, confidence in the housing market is booming, and the number of experts tipping a Melbourne Cup Day cash rate cut is increasing. Let’s look at why households and businesses are becoming increasingly optimistic.

20.01.2022 Like most sequels, JobKeeper 2.0 won’t be as big a blockbuster as the original. But that’s not to say it won't help many SMEs navigate the difficult times ahead. Today we’ll cover what you need to know about making the transition for your business.

20.01.2022 The majority of property investors are remaining upbeat despite COVID-19, with 67% believing now is a good time to invest in residential property, according to a new survey.

20.01.2022 What you used to be able to get on a Term Deposit..!!! (advert SMH 1986)

18.01.2022 Great news for homeowners and prospective buyers: housing affordability is at its best level in a decade and should continue to improve throughout 2021.

17.01.2022 Open Banking is now officially upon us. But what does that mean and why should you care? Well, in a nutshell, itll be easier and quicker for you to get a better deal on banking products going forward.

17.01.2022 2020 hasnt been an easy year for many Aussie households and businesses, which makes today an important one to check in on one another. With today marking R U OK? Day 2020, here's what to say after asking someone 'R U OK?'

17.01.2022 How can you upgrade your home? Many people are looking at their second house - often as their first place is now too small, or not in their preferred area. So what can you do?... - Keep, get Cash Out and Buy the 2nd Property - Sell and Buy - Upgrade via renovations or - Do a Bridging loan into your new property. The best solution for you an come down to how quickly you want to move, your incomes and equity, and your long term plans. Starting with an analysis of these options is the best way. If you need a hand, contact us to get you started.

16.01.2022 Property sales are at a 30 year low...which is understandable as people pull back on 'big' household activity like buying or selling property. Valuations and prices are still holding up OK, especially in sought after zone, so its not all doom and gloom! What's interesting here is that it also is flowing onto trades and those supporting the Real Estate sector.... Its a good time to review finances. Potentially, if you were going to buy a 2nd property or investment, sellers *should* be more willing to negotiate.

16.01.2022 Were all looking forward to things eventually getting back to normal, or at least the new normal. And while its not clear exactly what the new normal will look like in the property world, there are some promising early signs.

15.01.2022 If youve deferred your home or business loan then its likely your bank will reach out to you in the coming weeks. Heres what to expect and what options are available to you.

15.01.2022 RBA Expects Low Interest Rates for an Extended Period. As was expected, at its Board meeting this afternoon, the Reserve Bank of Australia decided to leave the official cash rate unchanged at 1.00%. In a statement accompanying the decision, RBA Governor Philip Lowe said:... "The outlook for the global economy remains reasonable. However, the increased uncertainty generated by the trade and technology disputes is affecting investment and means that the risks to the global economy remain tilted to the downside." The central scenario is for the Australian economy to grow by around 2 per cent over 2019 and 2 per cent over 2020. The outlook is being supported by the low level of interest rates, recent tax cuts, ongoing spending on infrastructure, signs of stabilisation in some housing markets and a brighter outlook for the resources sector. The main domestic uncertainty continues to be the outlook for consumption, although a pick-up in growth in household disposable income and a stabilisation of the housing market are expected to support spending.

15.01.2022 Australia has some amazing coastal getaways! My Favourites so far are The Mornington Peninsula, and Dunsborough in WA. In this article, you can check out Australias most searched for coastal getaways and get some inspiration for your next trip, or beach house purchase!... https://www.domain.com.au//australias-most-searched-coast/

15.01.2022 The First Home Loan Deposit Scheme is back; bigger, better and more buyer-friendly than before. If you’re a first home buyer who missed out on the first two rounds, then here’s how to make it a case of third time’s a charm!

15.01.2022 How are housing and the property market looking for 2020? Pretty good, according to major lender ANZ Bank. They are picking a 6% rise in house prices nationwide, with strong rebounds in Sydney, Canberra and Melbourne especially.

14.01.2022 As if small and medium-sized businesses werent already facing an uphill battle this year; now it turns out that more than a quarter were knocked back when they applied for finance in recent months. Heres how we can help.

13.01.2022 Youve heard the saying safe as houses, right? Well, it seems that old adage may ring true even in the current pandemic, with many of the nations top economic experts saying thats where theyd put their money right now.

13.01.2022 First home buyers are now breaking into the property market more than four years faster than they typically would thanks to a little-known government scheme. Today well discuss how.

11.01.2022 Homeowners in record-high numbers are taking advantage of reduced interest rates and competitive refinancing offers. Are you ready to take the leap?

11.01.2022 If you didn’t back a winner on Melbourne Cup Day then fret not: the Reserve Bank of Australia (RBA) has delivered mortgage holders a win by cutting the official cash rate by 15 basis points to a new record low of 0.10%.

10.01.2022 The National Property Clock is trending up in a lot of markets, check it our below! Note - Melbourne, Sydney, Geelong, Byron and Newcastle are at the start of recovery (about 8pm on the clock). Markets like Adelaide, Gold Coast, and Brisbane are behind slightly but are expected to join the uptrend.... With yesterdays rate cut by the RBA to 0.5%, we can expect these trends to take hold

10.01.2022 Keen to buy a vehicle or another asset for your business and immediately write off the cost? Youve got just a few days left to take advantage of the $150,000 instant asset write-off for this financial year.

08.01.2022 Home sellers across the country are lowering their price expectations in droves, new data reveals. But which two capital cities have seen the highest percentage of sellers discount their asking price?

08.01.2022 You might have recently heard that ‘responsible lending laws’ are set to be scrapped early next year. Rest assured though that you'll still be able to borrow responsibly. Let us explain how.

08.01.2022 This list includes: - Altona Meadows - Sunshine West - Caroline Springs... - Glenroy - Point Cook.... Wow to think these are on the cusp of FHB's budgets.... https://www.domain.com.au//suburbs-where-first-home-buyer/

08.01.2022 Getting a bill in the mail is never pleasant, but your annual insurance and workers compensation premiums can be particularly tough lump sums to swallow. There is, however, an affordable financing option that can limit the impact on your businesss cash flow. Lets take a look.

08.01.2022 Its 2020 and the new decade is underway. Here's what AMP economics team things we should be aware of for 2020. With the US elections ahead, it'll be exciting!... What to watch? 1) The US trade wars we are assuming some sort of de-escalation in the run up to the presidential election, but Trump is Trump and often cant help but throw grenades. 2) US politics: the Senate is unlikely to remove Trump from office if the House votes to impeach and another shutdown is also unlikely but both could cause volatility as could the US election if a hard-left Democrat gets up (albeit unlikely). 3) A hard Brexit looks like being avoided but watch UK/EU free trade negotiations through the year. 4) Global growth indicators like the PMI shown in the chart above need to keep rising. 5) Chinese growth a continued slowing in China would be a major concern for global growth. 6) Monetary (int. rates) vs fiscal (aka tax side) stimulus in Australia significant fiscal stimulus could head off further RBA rate cuts and quantitative easing.

07.01.2022 Thousands of families across the country who had been thinking about a new build, or tackling an overdue renovation project, have rolled up their sleeves and committed to it, according to latest ABS data.

06.01.2022 If youre a small or medium-sized business owner in need of an affordable loan then weve got good news: the federal government is expanding the Coronavirus SME Guarantee Scheme to allow businesses to borrow more and for a wider range of purposes.

06.01.2022 We dream big in Australia. So it’s little surprise that when the Great Australian Dream becomes a reality it means bigger houses than anywhere else in the world, according to a new report.

06.01.2022 On your marks, get set, go! The race is on for limited spots in the federal government's First Home Loan Deposit Scheme, which kicked off again on July 1.

05.01.2022 Youve probably heard something along the lines of you need a 20% deposit to buy a home, right? Well, not necessarily. Today well look at two options available to eligible first home buyers, including a $1 lenders mortgage insurance offer thats just been launched.

05.01.2022 Whether youre looking for extra cash to purchase a property, or could do with a few thousand dollars to pay off your existing mortgage, the average Aussie household could make nearly $6,000 from selling their pre-loved items.

04.01.2022 Small business owners in need of credit will be buoyed by new data that shows the approval rate for loans has remained strong throughout the coronavirus crisis.

03.01.2022 Its been two months since HomeBuilder was first announced, and Im sure many of us spent a bit of that time dreaming about an extra $25,000 to spend on a reno or new home. The good news is grant applications are now officially open.

02.01.2022 First home buyers wanting to crack into the property market can now use an interactive map to see how much their neighbours spent on average for their first home.

02.01.2022 Home and business owners struggling financially due to COVID-19 will be given another four months to resume paying back their loans.

01.01.2022 With the Coronavirus affecting property, this guide from Domain.com.au will come in handy. ...its too early to say, I feel! But many firms are using new technology and valuations are holding up OK... Comment with your thoughts! https://www.domain.com.au/advice/covid19-945757/

01.01.2022 Strap yourself in: Australian house prices are tipped to experience a mild COVID-19 dip before surging 15% over the following two years, according to some of the nation's top economists.

01.01.2022 JobKeeper is due for a big shake-up next month, which means if youve been relying on it to get your business through these rocky times, you need to start planning ahead now.