Josh Finance Man / Mortgage & Finance Broker | Financial service

Josh Finance Man / Mortgage & Finance Broker

Phone: +61 432 445 707

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25.01.2022 Pros and Cons of a variable rate loan Pros 1. Extra payments are allowed - . 2. Redraw facilities - . .... 3. Benefit from rate drops - RBA() cash rate . 4. Increased flexibility - . Cons 1. Makes budgeting more difficult - . 2. Vulnerable to rate hikes - . . #variable #variablerateloan #

23.01.2022 The Aggregator of Choice survey results are in, and show that mortgage brokers feel the most important aspect of an aggregator to be the leadership team. We are thrilled to see that according to the survey our members are showing a 91% customer satisfaction rate. #Connective

23.01.2022 Pros and Cons of a fixed rate loan Pros 1. Makes it easier to stick to a budget - . 2. Set financial goals with confidence - .... 3. Rate rises won't affect you - . Cons 1. Rate drops won't apply to you - . 2. Harder to pay off your loan sooner - . 3. Less chance of a redraw facility - redraw . 4. Early repayment fee - . #fixedrateloan

23.01.2022 NSW 5 . .

22.01.2022 0.75% . . . https://www.news.com.au///1273c2b5e3dcda15a47e30e862bbbb77

22.01.2022 Our thoughts and prayers are with those affected by the fires all over Australia. Heres how to help victims of Australias fires. To help the victims, visit https://www.redcross.org.au/news//your-donations-in-action... To help the koalas, visit https://www.savethekoala.com/donate To help the firefighters, visit https://www.rfs.nsw.gov.au/volun/support-your-local-brigade or https://www.cfa.vic.gov.au/about/supporting-cfa#donate-cfa There are many other ways to help them if you could search on Google. Funds from the appeal will help the koalas after the devastating bushfires.(Supplied: M Fillinger)

22.01.2022 How much can I borrow? Your borrowing capacity depends on your income, monthly expense, family size, location, current debts (credit cards or car loans and so on), type of loan and the bank you choose. , , , , ( ), .... : ? : . HEM (Household Expenditure Method) . , 1 3 . . I'm right here for more info. #borrowingpower #borrowingcapacity #mortgage #homeloan

21.01.2022 Now is the time to upgrade ! End of Financial Year Sale . $150,000 tax deduction . - Commercial 3.5% ... - consumer 4.7% .* Josh ! *conditions apply #eofys #instantassetwriteoff #150k #carloans

21.01.2022 What is genuine savings? Genuine savings is the funds that a home loan applicant has saved themselves gradually over time. , 3 , 5% . .... 10% genuine savings . 5% genuine savings . genuine savings ? , First Home Owners Grant(FHOG), , , , , Builder Developer rebates/incentives . 3 , 3 , *, 3 *, First Home Super Saver Scheme salary sacrificing genuine savings . * . Josh !

20.01.2022 The Commonwealth Bank has forecast a potential 32 per cent house price crash by 2023 if the pandemic leads to a prolonged downturn and an extended period of high unemployment. Commonwealth 2023 32% . CoreLogic 10% .... Rental CoreLogic COVID-19 2020 inner-city 10% . . COVID-19 . * - 7news.com.au

18.01.2022 More details for First Home Loan Deposit Scheme FHLDS . 1. ... 2. 3. $125,000 $200,000 4. Joint de factor , . 5. . 6. . NSW - $700k VIC - $600k QLD - $475k WA,SA,TAS - $400k ACT - $500k NT - $375k 1. 2. reservation form . 3. pre-approval . 4. 90 . 10,000 (1 1 ) 2 1 7,000 (2-CommBank&NAB, 5-25 ) . #firsthomeloandepositscheme #fhlds #firsthomebuyer #homeloan

18.01.2022 7 tips : How to pay off a mortgage EARLY ( 7 ) 1.Choose the right home loan 2.Consider an offset account... 3.Pay your salary into your offset account 4.Make more frequent payments 5.Keep your repayments steady 6.Do an annual home loan health check 7.Dont avoid small (minor) lenders Call Josh for more info. #payoffmortgageearly

18.01.2022 No LMI for first home buyers? The federal government's First Home Loan Deposit Scheme will guarantee mortgages for who have only saved a 5% deposit, effectively helping them buy sooner without paying LMI from 1 January 2020. First Home Loan Deposit 1 Lender Mortgage Insurance . 5% 40 $13,000 LMI . , . ... , NAB . . Ask Josh for more info

17.01.2022 Have yourself a merry little Christmas with an affordable loan. Get that car you've always wanted in time for Christmas! Call today for a tailored car loan solution that fits your budget and lifestyle. #EOYsale #carloan #christmaspresent

17.01.2022 First Home Loan Deposit Scheme ( 5% LMI ) 10,000 . New Home Guarantee . FHLDS Josh . #FHLDS #NHG # #

16.01.2022 Refinance with Josh to get up to $4k cashback offer! Ask Josh for more info today *Limited time only and eligibility criteria applies #refinance #homeloan #cashback #joshfinanceman

15.01.2022 11 . 0.25% 0.1% . #RBA #ratecut #cashrate # #

15.01.2022 RBA keeps rates on hold at 0.25pc in October.

15.01.2022 RBA cuts the cash rate again to 0.50 which hits a new record.

14.01.2022 The benefits of Refinancing ( ) If your mortgage is coming to the end of its fixed rate term, its a good time to shop around for a better interest rate or perhaps a more flexible product. Even if youre on a variable rate, most people consider refinancing at around the 3 to 4 year mark. . 3,4 .... ? 1. . 2. . 3. , . 4. Equity , , , . To find out if you are eligible for refinancing, ring or message me.

12.01.2022 realestate.com.au has launched its Digital Inspections feature, which will allow agents to use videos to showcase listings to potential buyers and renters who cannot attend an inspection in person. & , realestate.com.au . #banonauction #banonopenforinspections #digitalinspection

12.01.2022 LMI (Lenders Mortgage Insurance) 4 1. LMI ? (What's LMI?) 20% . LMI 20% . .... 2. LMI ? (When do you need to pay LMI?) 20% . Self-employed contractor low doc ( alt doc) 40% LMI . 3. ? (How much does it cost you?) , , . 50 45 (90% ) LMI 7- , . . . 4. LMI ? (Waived LMI?) , , 90-95% LMI . 100% . . - Medical professionals - Mining engineers - Accountants - Lawyers . Josh . #LMI #lendersmortgageinsurance #waivedLMI

11.01.2022 Home Loan Process 1. Prepare and save a deposit ; You need to be financially prepared before you apply for a home loan. 2. Get a pre-approval ; A conditional approval is free and is valid for 3 to 6 months depending on the lender.... 3. Choose a property ; Research is important. Considering the property's sellability is also important. This will help you get approval from the lenders. 4. The lenders assess the property to check its value. ; Once the lender has everything they need to confirm, you are formally approved. 5. Finally, pick a settlement day with your settlement agent. To check your borrowing power and what documents you need, contact Josh myself.

09.01.2022 "A mortgage broker is one of the most important members of your team when buying a property." Read more on how a mortgage broker can do more than just find the lowest rate here: https://bit.ly/2pfGR3M

09.01.2022 COVID-19 cash flow instant asset write-off 2020 . (new&used) 15 tax deduction . 2 . ! #instantassetwriteoff #150k #extendeduntilDec2020

09.01.2022 One of non major banks will lower their fixed rates from tomorrow.

07.01.2022 9 0.25% 6 . Josh # # # # # #homeloan #mortgage

07.01.2022 Momentum Intelligence are conducting their major borrower survey on the attitudes, perceptions and priorities of Australians. This survey gives us valuable insi...ghts into what consumers value, and what influences their decisions when choosing a distribution channel for a home loan. Previous survey results released earlier this year revealed sentiments such as "96% of consumers are either satisfied or highly satisfied with their mortgage broker." As an industry, we need to work together to get as many responses as we can for this critical piece of industry research. Find out how you can easily share the survey with your network here: https://www.theadviser.com.au/consumer-access-to-mortgages

07.01.2022 Have happy holidays with adorable macarenindeers

07.01.2022 Using a mortgage broker or going directly to a bank? Using a mortgage broker will give you following advantages; 1. MORE CHOICE OF PRODUCTS : Banks can only offer you their own products while a broker has a panel of lenders and many products to choose from.... 2. ONE POINT OF CONTACT across the entire process : Staying in contact at each stage of the process so you know what is going on. 3. IT's FREE to use a mortgage broker for most home loans. : Some brokers may not be free so make sure you don't get overcharged. Luckily, Josh is free to use 4. BETTER DEAL : Brokers can often get a better deal because brokers have a strong relationship with lenders. For more info, talk to Josh today #mortgagebroker #advantages #homeloans

06.01.2022 R U OK? . . , R U OK? #theresmoretosay #ruok

05.01.2022 How big of a deposit do I need? Did you know that anything less than a 20% deposit is actually considered a high risk by most banks? Fortunately, there are lenders that can allow you to borrow over 80% or even 95% of the property value. You might still be qualified for a home loan even if you have a 2% deposit.... Ask Josh how now. ? 20% ? 80%, 95% . 2% Josh .

05.01.2022 Fixed or variable? Which is better? Talk to Josh for more info. #fixed #variable #homeloan #mortgage

04.01.2022 0.25% . . COVID-19 2 .

03.01.2022 What is FHOG (First Home Owner Grant)? FHOG . ? 1. Who is eligible? : 18 . .... 2. Residence requirements : Settlement 12 6 . 3. Value of the home : $750,000 . 4. How much is the grant? : $10,000-$20,000 . , . Stamp duty () . . . NSW - $650k VIC - $600k QLD - $500k WA - $430k SA,NT,TAS,ACT - N/A Ask Josh for more info. #FHOG #firsthomeownergrant #homeloan #stampdutyexemption

01.01.2022 NAB has waived home loan fee on new base variable home loan applications.