Johan Overa | Mortgage brokers

Johan Overa

Phone: +61 432 873 005

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25.01.2022 When You Are a Decade or Two from Retirement part 2 Just because you’re nearing retirement doesn’t mean you can’t still make changes that will free up the funds you need to enjoy this new stage in your life. 2. Downsize Your Home... Downsizing your home is another way to reduce your monthly expenses so you can put away more funds toward retirement. Not only is your mortgage likely to be less if you move into a smaller home but choosing a smaller home can also reduce your maintenance costs. Contact me for more: 0432873005 | [email protected] Check my previous posts for a lot more information!

24.01.2022 When You Are a Decade or Two from Retirement part 1 Just because you’re nearing retirement doesn’t mean you can’t still make changes that will free up the funds you need to enjoy this new stage in your life. 1. Relocate to Where the Cost of Living is Not High... If you are open to relocating to an area where the cost of living is lower than what you’re paying, you could save a great deal of money toward your retirement. When searching for the best place to retire, consider your finances, your health, your distance to your extended family, and the recreational activities you want to pursue when you retire. We have people that can assist with these kinds of decisions. Contact me for more: 0432873005 | [email protected] Check my previous posts for a lot more information!

22.01.2022 This morning Commonwealth Bank has come out with this rate... I mean, wow!

17.01.2022 RECORD LOW Owner Occupied Rates. Stop thinking you should review your current loans. Get in touch today for a comprehensive review of how much you can save switching. M 0432 873 005... D 02 8076 7023 E [email protected] See more

16.01.2022 Great news! First Home Loan Deposit Scheme extended for new builds, price caps increased. The building industry has welcomed the extension of the federal government’s First Home Loan Deposit Scheme. ... It will enable an extra 10,000 buyers who build new homes to get into the property market with a deposit as low as 5 per cent while avoiding lenders’ mortgage insurance, with the federal government acting as guarantor on the loans. SMS 0432873005 for more info

14.01.2022 Owner-occupiers, please read

12.01.2022 Check out how "cheap" money is now compared to the 70s!! Get in touch to get educated about all the grant and rates available

09.01.2022 When You Are a Decade or Two from Retirement part 3 Just because you’re nearing retirement doesn’t mean you can’t still make changes that will free up the funds you need to enjoy this new stage in your life. 3. Refinance Your Mortgage... It’s a myth that refinancing a mortgage isn’t possible if you’re an older adult. In fact, it’s illegal for lenders to discriminate against applicants based on their age. That being said, many lenders are reluctant to finance an older person’s mortgage because they think it’s less likely that the loan will be repaid. To appeal to lenders, and demonstrate that they are not putting you into a credit contract you cannot reasonably expect to repay you should have a sound exit strategy. For example, if you are 60 years old and apply for a 30-year loan term (which is generally standard) they will want to see evidence and a plan on how you intend to meet the repayments post your retirement age. Perhaps you’ll work past the typical retirement age, use dividends from investments, and/or sell some assets. Conclusion Whether you’re starting late or have yet to begin preparing for retirement, the key is to prepare for it now so you can have the retirement you’ve always dreamed of. Contact me for more: 0432873005 | [email protected] Check my previous posts for a lot more information!

08.01.2022 Call 24/7 to get going 0432873005 [email protected] #brokingforyou

07.01.2022 The current official cash rate as determined by the Reserve Bank of Australia (RBA) is 0.25%. Tuesday, 3 November the Reserve Bank of Australia will make a call! Will it hit 0% or stay at 0.25%?

07.01.2022 A CONVERSATION CAN CHANGE A LIFE R U OK? inspire and empower everyone to meaningfully connect with the people around them and start a conversation with anyone who may be struggling with life. You don't need to be an expert to reach out - just a good friend and a great listener. ... Use these four steps and have a conversation that could change a life: 1. Ask R U OK? 2. Listen 3. Encourage action 4. Check-in

04.01.2022 Shore Financial has made it really easy to check your mortgage health! Click on the link now:

01.01.2022 Check out how much you can save by refinancing. Give me a call 24/7 for a further chat 0432873005 [email protected]