Matthew Clark in Somerville, Victoria, Australia | Property

Matthew Clark

Locality: Somerville, Victoria, Australia

Phone: +61 414 311 234

Address: Shop 3/4 Eramosa Road East 3912 Somerville, VIC, Australia

Website: https://kcgmortgage.com.au

Likes: 266

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25.01.2022 The first C, CHARACTER - Your Credit Report. Through a Comprehensive credit reporting, lenders will have access to how you pay all your bill that may affect your credit score. Watch the full webinar "How to Purchase Your First Home" here: ... https://kcgmortgage.com.au/media/ Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer #Lenders #CreditScore #Character

25.01.2022 If youre looking to rent out or sell your home one day, its a good idea to continually improve and modernise your space. In coveted cities like Sydney and Melbourne, simple home improvements can really drive up the price. Just in case you need a guide when it comes on property investment (and improvement) you may check our blog post here: https://kcgmortgage.com.au/blog/property-investment-guide... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #HomeBuyer #PropertyInvestmentGuide #MelbourneVictoria #homeimprovement

25.01.2022 Last month, October, all capital cities except Melbourne saw dwelling values increase. If you are new in the property market, considering your next property purchase, or taking the next step in your investment journey, the timing couldn’t be better. Now is the time to organise your finance and take advantage of low interest rates! ... You can check the latest market news and insights.here: https://bit.ly/3m4MMRw Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #keychoicegroup #kcgmortgage #PropertyMarket #MelbourneMortgage #MortgageBroker #FinanceSpecialist #FirstHomeBuyer

24.01.2022 A split loan offers you the option of having part of your loan fixed and part variable. This gives you the benefits of both loans in a single home loan. If you need more information, you can download our Split Loans fact sheet here: https://kcgmortgage.com.au/downloads/... Disclaimer: Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.Credit Representative 508009 is authorised under Australian Credit Licence 389328. #KCGMortgage #KeyChoiceGroup #SplitLoan #MelbourneVictoria

23.01.2022 "Hard working tradie needs a bigger home" This hard working self employed client was wanting to purchase his next home but was concerned about his financials not showing sufficient profit to secure the loan. His young family had outgrown his current home.... His business's net profit was reduced due to his decision to bring forward the purchase of some machinery and take advantage of the once off Small Business tax write off of up to 100K. The clients living expenses also initially appeared well above reasonable levels. We assisted the client by categorising his expenses correctly to separate business and personal expenses so we could understand the true nature of his family's personal living costs. We found a lending solution that allowed the once off machinery purchase cost to be added back to his on-paper income thus increasing his borrowing capacity to a level that allowed for the purchase of his dream home. Our client has secured a new home on a 6 month settlement and has listed his home for sale. Once he sells his current home, the vendor of his dream home is willing to bring the settlement forward. A broker (well yes us!) is a critical part of your financial wellbeing as each finance decision has consequences for your future goals. Contact Matt today. https://kcgmortgage.com.au/contact-us/ Disclaimer: Your full financial situation would need to be reviewed prior to acceptance of any offer or product.Credit Representative 508009 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. #KCGMortgage #KeyChoiceGroup #Tradie #HomeBuyer #MelbourneVictoria #MortgageBroker"

23.01.2022 Your borrowing capacity is the amount a bank will lend you to buy a home. Its based on factors like your income, how much deposit youve saved, other existing debts, and how much you spend on books (even though you havent finished the ones you already have). There are some things you can do to increase your borrowing power and land the home you really love. Check the infographic. Read more about it through this resources: https://www.mebank.com.au/the-f/you-want-to-borrow-...how-much Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer #BorrowingPower #Lender

22.01.2022 FIXED RATE LOAN Fixed rate home loans allow you to lock into an interest rate for a period, which can be anywhere from one to seven years. This means you can enjoy the certainty of knowing exactly what your monthly repayment will be. After the fixed term, these home loans usually revert to the standard variable rate. With this type of loan there is not always a redraw facility or the opportunity to make extra repayments during the fixed rate period.... If you need more information, you can download our Fixed Rate Loan fact sheet here: https://kcgmortgage.com.au/downloads/ Disclaimer: Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 508009 is authorised under Australian Credit Licence 389328. #KCGMortgage #KeyChoiceGroup #FixedRateLoan #MelbourneVictoria

21.01.2022 Webinar time, 2 skin blemishes, I look like Conan OBrien, the screen fell over mid webinar, phone rang and I have the head wobbles up. At least we are getting finance approved for our clients. The requirement from lenders has swung back to 20 years ago when our detailed background report on the clients circumstances, presenting a financial analysis based on spending patters and proactively disseminating our clients credit report as well as their business or employer viability during this time can make a significant difference to the outcome and time to approval. There is a prize for guessing my footwear and choice of pants during this production.

21.01.2022 IMPORTANT NOTICE FOR ALL PROSPECTIVE GUARANTORS: You can refuse to enter into a guarantee You may have a right to limit your liability under the guarantee as defined by the Code of Banking Practice There are financial risks involved in providing a guarantee You can request information about the transaction or facility to be guaranteed ... You should seek independent legal and financial advice on the effect of a guarantee For further financial advice, reach out to us through: https://kcgmortgage.com.au/contact-us Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGmortgage #KeyChoiceGroup #Guarantors #MortgageBroker #FinanceSpecialist

21.01.2022 What Do They Say About Key Choice Group? Here's a screenshot of one of our clients leaving a positive review. Want to be one of our satisfied clients? Feel free to book a meeting here:... https://kcgmortgage.com.au/opt-in/ #KCGmortgage #KeyChoiceGroup #ClientTestimonial #MortgageBroker #FinanceSpecialist #googlereview Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

21.01.2022 Its Official :) We have our Australian Owned Accreditation. #KCGMortgage #keychoicegroup #AustralianOwned

20.01.2022 Restrictions are being eased recently under 'Real Estate'. Currently there are still limitations for residential purchase. However, if you are a First Time Home Buyer, take this time to do some due diligence and learn some tips as you purchase your first home SOON. Check out our blog post here: https://kcgmortgage.com.au/blog/first-time-home-buyer-tips/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #keychoicegroup #kcgmortgage #FirstHomeBuyer #melbournemortgage #mortgagebroker

19.01.2022 "We have entered spring with record low interest rates, which is good news for prospective buyers. If you are in a good financial position, now could be the opportunity to snatch up a property within your budget." - Finance Focus Read the complete newsletter here: https://kcgmortgage.com.au/newsletter/ Disclaimer:... Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGmortgage #KeyChoiceGroup #Spring #MortgageBroker #FinanceSpecialist #SeptemberNewsletter"

19.01.2022 Every start of the year is a great time to think about "What will by my investment goals this year?" Property? Insurance? Self-Improvement?... Time to plan out your "best investment year" ever. #KeyChoiceGroup #KCGMortgage #InvestmentGoals

19.01.2022 Sage advice for those wishing to own their home :-) P.s Need a guide for home buying? Heres a good read for you: https://kcgmortgage.com.au/blog/home-buyer-essentials/... #KeyChoiceGroup #KCGmortgage #Homebuyer #MelbourneVictoria

19.01.2022 For the past weeks we have been sharing valuable videos on "How to Purchase Your First Home". Just in case you are thinking for the next steps, you can watch this video under 3 minutes to be well informed. Watch the full webinar "How to Purchase Your First Home" here: ... https://kcgmortgage.com.au/media/ Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer #NextSteps

19.01.2022 Refinancing a home loan can save you heaps. Heres some info why you should choose a small bank when you switch. Check the info-graphics. Cheers!... P.s If you need further help with refinancing, you can book a call with me either via in person or online: https://kcgmortgage.com.au/booking/ #kcgmortgage #KeyChoiceGroup #mortgagebroker #refinancing #RefinannceTips #melbourne

18.01.2022 Fixed Rate Loan: Is it Good for Long Term? Check our blog post at KCG now and learn more on our thoughts about it: https://kcgmortgage.com.au/blog/fixed-rate-loans-mortgage/... #keychoicegroup #kcgmortgage #fixedrateloan #melbournemortgage #mortgagebroker

18.01.2022 Early 20s couple looking to purchase their first home but unsure of their borrowing capacity and overwhelmed about how it works. Hearing that they may be eligible for some government concessions or grants they were referred to us by their friends. Applicants work shift so were concerned about being able to be available when necessary and wanted to meet face to face to really understand the process.... We met on a Saturday morning and ran through the entire process, from the numbers to their entitlements as First home Buyers. They were visual learners so our flow chart of the process really resonated with them so they can check their progress along the path to home ownership. The majority of the documents are signed electronically on their phone and communication between us is via email and text and they call when awake :-) A place secured in the First Home Buyers Deposit Scheme, pre-approval and a happy couple knowing we are available to help. Are your circumstances stopping you from moving forward? Contact Matt today. https://kcgmortgage.com.au/contact-us/ #kcgmortgage #keychoicegroup #firsthomebuyer #mortgagebrokers #melbournevictoria #financespecialist

18.01.2022 "I took out a loan with a fixed interest rate how can I switch to a loan with a lower interest rate?" "Do I have to pay the break fee?" Do you have these set of questions?... Watch this info video and learn more. #KCGMortgage #KeyChoiceGroup #FixedRateLoan #BreakFee Licensing and Disclaimer Statement: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

17.01.2022 What Do They Say About Key Choice Group? Heres a screenshot of one of our clients leaving a positive review. Want to be one of our satisfied clients? Feel free to book a meeting here:... https://kcgmortgage.com.au/opt-in/ #KCGmortgage #KeyChoiceGroup #ClientTestimonial #MortgageBroker #FinanceSpecialist #googlereview Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

17.01.2022 Now that so many of us have proven we can work from home, for our Melbourne-based friends, the prospect of a sea change has become a distinct possibility. We predict that when Morning Peninsula property ramps up, it's going to do so with gusto! If you're in the market, we suggest organising your finance before you start looking. Get in touch to find out how.

17.01.2022 The second C that lenders use to decide how much to lend you is... CAPACITY. Yes.. Your Borrowing Capacity. Here is a short snippet video for you to learn How you could increase it.... Watch the full webinar "How to Purchase Your First Home" here: https://kcgmortgage.com.au/media/ Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer #BorrowingCapacity

17.01.2022 Refinancing can offer significant benefits but there are things to be aware of so that you dont find yourself hooked into a bad deal. Check the info-graphics attached to learn some "Refinancing Traps" to avoid. Stay Informed.... P.S Need support with refinancing? Contact Us: https://kcgmortgage.com.au/contact-us/ #KCGMortgage #KeyChoiceGroup #Refinancing #MelbourneVictoria

16.01.2022 1. A land transfer (stamp) duty waiver of up to 50% on purchases of residential property in Victoria with a dutiable value of up to $1 million applies to contracts entered into on or after 25 November 2020 and before 1 July 2021. 2. 50% land transfer (stamp) duty concession for commercial and industrial properties in regional Victoria applies to contracts entered into on or after 1 January 2020* Contact us for more information: https://kcgmortgage.com.au/contact-us/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #keychoicegroup #kcgmortgage #StampDuty #MelbourneMortgage #MortgageBroker #FinanceSpecialist

15.01.2022 Requesting a Property or Suburb Report made EASY by KCG. Under 1 minute you are done requesting a FREE REPORT worth $49. Get Your Report Directly Here: https://kcgmortgage.com.au/property-report/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #keychoicegroup #kcgmortgage #PropertyReport #SuburbReport #melbournemortgage #mortgagebroker #FinanceSpecialist

14.01.2022 Theres a lot more to choosing the right home loan than just the interest rate. This blog post guide covers all the home loan basics and how to get started + you can download the complete Home Loan Essentials PDF Guide for your use. Check it here now: https://kcgmortgage.com.au/blog/home-loan-essentials/... #KCGMortgage #KeyChoiceGroup #HomeLoan #HomeLoanEssentials #MelbourneVictoria #MortgageBrokers

14.01.2022 Let's talk about some "Jargon" in the Real Estate and Finance industry. Watch the full webinar "How to Purchase Your First Home" here: https://kcgmortgage.com.au/media/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer #RealEstateAndFinanceJargon

14.01.2022 Register Now at https://kcgmortgage.com.au/promotions #KCGMortgage #KeyChoiceGroup #Webinar #FirstHomeBuyer #HomeLoanTips

13.01.2022 Whether youre a seasoned investor or just starting out, were here to provide help and advice about financing your property investment. To start off, check out our latest blog post and get the free downloadable PDF too here: https://kcgmortgage.com.au/blog/property-investment-guide #KCGMortgage #KeyChoiceGroup #HomeBuyer #PropertyInvestmentGuide #MelbourneVictoria

13.01.2022 Let's talk about "Approximate Loan Repayments" Watch the full webinar "How to Purchase Your First Home" here: https://kcgmortgage.com.au/media/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer #LoanRepayments

13.01.2022 Want to compare your utilities and services plan in the one spot? Key Choice Connect Assist is designed to save you time and easily compare electricity, gas, internet and other services available in your area. Input your address, select the services you require to be reviewed, book a suitable time to receive a call back and run through the options or compare them yourself online. Easy!... Visit: https://kcgmortgage.com.au/connect-assist/ #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #ConnectAssist #MovingHome #BillReview Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

13.01.2022 Equity is the value of your property, minus what you owe the bank. If you've built up equity in your home, there are two solid ways to leverage it: Negotiate a better deal with your lender Use it to secure finance for an investment... Ask us how See more

12.01.2022 ATTENTION FIRST HOME BUYERS - Minister for Housing Michael Sukkar announced yesterday that 1,800 First Home Loan Deposit Scheme (FHLDS) places will be re-released to lenders in the coming days. The First Home Loan Deposit Scheme is a new initiative of the Australian Government to support eligible first home buyers purchase a home sooner. It does this by providing a guarantee that will allow eligible first home buyers on low and middle incomes to purchase a home with a deposi...t of as little as 5 per cent. The Scheme will support up to 10,000 loans each financial year, starting from 1 January 2020. Application process Please note applications for the Scheme are not yet open. Further information regarding the application process will be provided shortly. The income thresholds will be up to $125,000 per annum for singles and up to $200,000 per annum combined for couples (assessed in the financial year preceding the financial year in which the loan is entered into). 850K max purchase price in Metropolitan Melbourne. Contact me to discuss the best way to be ready to take advantage of this offer. http://ow.ly/M0f730pWQ6m See more

12.01.2022 Nothing more to add here #moneysavinghacks

12.01.2022 A short Intro snippet from our FREE WEBINAR: "How To Purchase Your First Home..." You can Watch the full webinar here: https://kcgmortgage.com.au/media/... #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer

11.01.2022 Should I buy before Ive sold my home? (DONE) Buying a house before selling comes with challenges. When buying a second property with the intention to sell your current home, there are a few options available. ... You may check the full article here: https://www.mebank.com.au//selling-before-you-buy-is-it-t/ If you need further help with ideas, you can book a call with me either via in person or online: https://kcgmortgage.com.au/contact-us/ #kcgmortgage #KeyChoiceGroup #mortgagebroker #Homebuyer #Investing #MelbourneVictoria

11.01.2022 Equity is the difference between the value of your property, and the size of your mortgage. It increases as you pay back your loan, and as property prices increase. And this is why buying makes so much more sense to us than renting: because your home loan repayments build your equity - not someone else's.

11.01.2022 Figuring out what type of property to buy is more complicated than taking a Buzzfeed quiz. Here are some helpful info graphics rundown of the pros and cons of each of the housing types you might want to buy. Just in case you need support from a buying your first home, reach out to us: https://kcgmortgage.com.au/contact-us/... #KCGMortgage #keychoicegroup #FirstHomeBuyer #HousingTypes #melbournevictoria

11.01.2022 There are 5 C's that lender use to decide how much to lend you. Watch this video snippet! You can watch the full webinar "How to Purchase Your First Home" here: https://kcgmortgage.com.au/media/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer #Lenders

10.01.2022 There's nothing wrong with debt, and many of us will need to take it on at some point in our lives. But it can cost you so much more than it needs to. If you're one of the many people who avoid talking about debt, then it's even more important that you do! And, if you're looking to buy a home, and feel your existing debt is stifling your savings goals, then it may be time to get in touch to discuss your options.

09.01.2022 Merry Christmas all, love the Clark’s

08.01.2022 Heads up to all who are looking for some capital city homes auction updates... Last 2 weeks, the auction activity ramps up with 2,537 capital city homes taken to auction. Read more about it here: https://bit.ly/3psMp4o... #KCGMortgage #KeyChoiceGroup #AuctionUpdates #MelbourneVictoria Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

08.01.2022 The Art of Successful Property Negotiation. Watch as I share to you the 12 steps to negotiate the best outcome for you. https://youtu.be/nPBuNiqnpVA... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #PropertyNegotiation

08.01.2022 This raises a lot of great points, its this kind of action that will lead us out of this Covid period. #buylocal #supportlocal #gratitude #thankyou #happiness #kindness

07.01.2022 Be one for our satisfied clients at Key Choice Group. Check our client, Mitchell Anwyl, leaving a positive review on Google. You may check all the other reviews here: https://g.page/kcgmortgageau?we... Feel free to book a meeting here: https://kcgmortgage.com.au/opt-in/ #KCGmortgage #KeyChoiceGroup #ClientTestimonial #MortgageBroker #FinanceSpecialist #GoogleReview Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

07.01.2022 Here is an Introduction video for you to understand how to be prepared for the financing of an asset. Discussed also are the jargons to learn as you plan to purchase your first property SOON. Maximize your holidays and watch this video today. Check out the complete video series here: https://kcgmortgage.com.au/media... #KCGmortgage #KeyChoiceGroup #PreQualifiedForFinance #MortgageBroker #FinanceSpecialist #PropertyFinance Disclaimer: This presentation provides general information only. The presentation is for illustrative purposes only and the content is not intended to predict actual results, which may differ substantially from those reflected in this presentation. It has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. Licensing statement: Credit Representative 508009 is authorised under Australian Credit Licence 389328

07.01.2022 Lets talk about "Approximate Loan Repayments" Watch the full webinar "How to Purchase Your First Home" here: https://kcgmortgage.com.au/media/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer #LoanRepayments

07.01.2022 A Property or Suburb Report usually costs $49. Well, at KCG, we got you covered and you can have it for FREE. Get Your Free Report Directly Here: https://kcgmortgage.com.au/property-report/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #keychoicegroup #kcgmortgage #PropertyReport #SuburbReport #melbournemortgage #mortgagebroker #FinanceSpecialist

07.01.2022 In light of Stage 4 restrictions, the government has extended the deadline for commencement of construction work to start from 3 months to 6 months. All applicants for the HomeBuilder Grant in Victoria have 6 months from the signing of the eligible HomeBuilder contract, to commence construction. Contact me for more details, if you require construction or renovation funding or require trade contacts to complete the works. ... https://kcgmortgage.com.au/contact-us/ Stay safe peeps. #kcgmortgage #keychoicegroup #HomeBuilder #melbournevictoria #mortgagebrokers

07.01.2022 VARIABLE RATE LOAN WITH OFFSET Variable Rate Loans with offset have more features than a basic home loan, including the benefit of an offset account and/or redraw facilities. Money held in your offset account will offset the balance in your mortgage account, effectively reducing your interest payments. ... Lenders will charge an annual fee for this type of loan. Redraw facilities allow you to make extra repayments on your home loan and redraw them later if needed. Its also an effective way to save money on home loan interest. If you need more information, you can download our free Offset Account Redraw Facilities fact sheet here: https://kcgmortgage.com.au/downloads/ Disclaimer: Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.Credit Representative 508009 is authorised under Australian Credit Licence 389328. #KCGMortgage #KeyChoiceGroup #VariableRateLoan #Offset #MelbourneVictoria

06.01.2022 A couple came to us with credit impairment in the form of numerous defaults and agreements with debt collectors brought about by legal bills from their previous marriage breakdown and the associated legal bills. The couple decided to move in together but their home was too small for the combined families. They needed a significant renovation to fit everyone in comfortably. Their combined income was good but their challenges included: ... Limited equity Numerous credit defaults Wanting to complete a significant renovation so needing a lender who accepts credit impairment as well as being willing to offer a construction loan and using the as if complete valuation based upon a fixed price building contract for the work to be completed. We worked with the clients to obtain a loan through a non conforming lender who assisted them with the construction phase. Three years later the credit impairment was removed from their credit report , the loan repayments were paid on time and the agreements with debt collectors finalised. We are refinancing the client to a mainstream lender with an interest rate almost half of what they were paying. Working to a budget, repaying outstanding high interest debts, making the loan repayments on time and increasing the value of the property with a construction loan has put our clients in a position where we can now assist them to refinance to a mainstream lender. They are in a much healthier financial position. Disclaimer: Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.Credit Representative 508009 is authorised under Australian Credit Licence 389328. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #Credit

05.01.2022 Loyalty is a noble trait, no doubt. But when it comes to your bank, being loyal may mean you're throwing away thousands of dollars each year. Reviewing your home loan and either renegotiating better terms, or switching to another lender, can save thousands of dollars in interest repayments and/or shave years off the life of your loan.... Make sure your loyalty to your bank isn't costing you. See more

04.01.2022 Wanting to own your first home but having issues with impaired credit? Watch how we helped our clients to resolve this. If you also need help, book a call with us: https://kcgmortgage.com.au/booking/... #KeyChoiceGroup #KCGMortgage #FirstHomeBuyer #CreditRepair Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

04.01.2022 It's Official :) We have our Australian Owned Accreditation. #KCGMortgage #keychoicegroup #AustralianOwned

04.01.2022 Owning your own home is one of the most exciting things that you will experience in your lifetime. That's why it is important to make sure you enjoy the process by taking the time to understand all of the steps first. This home buyer essentials guide will definitely help you out.... Check our blog post about it here: https://kcgmortgage.com.au/blog/home-buyer-essentials/ . . #KCGMortgage #KeyChoiceGroup #HomeBuyer #HomeBuyerEssentials #FirstTimeHomeBuyer #MelbourneVictoria #MortgageBrokers

04.01.2022 VARIABLE RATE LOAN (NO OFFSET) This could be a good option for you if youre looking for a simple loan with a low variable interest rate and low fees. Basic home loans have fewer features and can be less flexible than other loans. However, they do offer opportunities to save money. They are popular with first home buyers and those with straightforward borrowing requirements.... If you need more information, you can download our free Variable Rate Loans fact sheet here: https://kcgmortgage.com.au/downloads/ DISCLAIMER: Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.Credit Representative 508009 is authorised under Australian Credit Licence 389328. #KCGMortgage #KeyChoiceGroup #VariableRateLoan #NoOffset #MelbourneVictoria

04.01.2022 Banks and other lenders are really scrambling to lure you in right now. There are even interest rates below 2% going around. Before you get swept up by the 'almost-too-good-to-be-true' promises, we'd love to sit down with you to go through how these various loan products would play out for you in the long term. Deciding on finance for your home or investment property is one of the biggest financial decisions you'll make, so you want to make sure it's the right one.

03.01.2022 Lets talk about some "Jargon" in the Real Estate and Finance industry. Watch the full webinar "How to Purchase Your First Home" here: https://kcgmortgage.com.au/media/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer #RealEstateAndFinanceJargon

03.01.2022 Be one for our satisfied clients at Key Choice Group. Here's another screenshot of one of our clients leaving a positive review on Google. You may check all the other reviews here: https://g.page/kcgmortgageau?we Feel free to book a meeting here:... https://kcgmortgage.com.au/opt-in/ #KCGmortgage #KeyChoiceGroup #ClientTestimonial #MortgageBroker #FinanceSpecialist #GoogleReview Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

03.01.2022 COVID-19 mildly impacted Australian housing prices, but created volatility in transaction activity. These factors have drawn renewed scrutiny of stamp duty on residential property, and may have influenced some of the timely reform and discounting in stamp duties over the year. So what's wrong with stamp duty? You can read the complete article here: https://bit.ly/3pAHtut ... #KCGMortgage #KeyChoiceGroup #StampDuty #MelbourneVictoria Disclaimer: This is a curated info. All credits to Core Logic for the content. Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

03.01.2022 Not quite the glamour of a CBD or cafe meeting but the best coffee in the world (quite modest) Dimattina Prima Tazza beans, Rancilio machine and A2 milk (go Aussie farmers).

03.01.2022 If you are considering Debt Consolidation, it is always better to know about the pros and cons of it. Check out our blog post here: https://kcgmortgage.com.au//debt-consolidation-refinancing/ Disclaimer:... Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #DebtConsolidation #MelbourneVictoria #MortgageBroker

03.01.2022 The *right* home loan will be a life-enhancer. No doubt. It won't stretch you to breaking point, financially. You'll still be able to enjoy life while building wealth in the background. And of course people (and products) change. What's right for us one year may not be the right thing a few years down the track. This is where refinancing comes into play. When you refinance, it's not 'just' about reducing your fortnightly repayments or you...r interest rate. Imagine shaving years off your home loan, so that you become mortgage-free sooner! Get in touch to find out how See more

02.01.2022 Let's welcome 2021 with hope and more prosperity. Greeting you a Happy New Year! Cheers! #KeyChoiceGroup #KCG #NewYear #Welcome2021

02.01.2022 Our client's feedback keeps us going and improving our services at Key Choice Group. Here's another screenshot from one of our clients leaving a positive review on Google. You may check all the other reviews here: https://g.page/kcgmortgageau?we... Want to be one of our satisfied clients? Feel free to book a meeting here: https://kcgmortgage.com.au/opt-in/ #KCGmortgage #KeyChoiceGroup #ClientTestimonial #MortgageBroker #FinanceSpecialist #GoogleReview Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

02.01.2022 Why Do Many Buy Rather Than Rent? You can watch the "How to Purchase Your First Home" full webinar here: https://kcgmortgage.com.au/media/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer

02.01.2022 There are 5 Cs that lender use to decide how much to lend you. Watch this video snippet! You can watch the full webinar "How to Purchase Your First Home" here: https://kcgmortgage.com.au/media/... Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #KCGMortgage #KeyChoiceGroup #MelbourneVictoria #HomeBuyer #Lenders

01.01.2022 Considering your personal situation and deciding if a debt consolidation loan is right for you comes down to a few factors. Check the info-graphics to learn about Debt Consolidation. You may check the full article here: ... https://www.wisrcredit.com.au//should-you-consider-debt-co If you want to know more about debt consolidation, you can book a call with me either via in person or online: https://kcgmortgage.com.au/contact-us/ #kcgmortgage #KeyChoiceGroup #mortgagebroker #DebtConsolidation #Finance #MelbourneVictoria

01.01.2022 It's been over 9 months since this pandemic started affecting Australia... How are you coping with it particularly with your finances? Here are some COVID Pandemic Financing Tips and Learn Some Options That Are Available to You. Read it here:... https://kcgmortgage.com.au/blog/covid-pandemic-financing/ Disclaimer: Credit Representative Number 508009 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. #keychoicegroup #kcgmortgage #FinancingTips #melbournemortgage #mortgagebroker