KeyChange Solutions in Megan, New South Wales, Australia | Financial consultant

KeyChange Solutions

Locality: Megan, New South Wales, Australia

Phone: +61 412 285 373

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25.01.2022 Just completed accreditation with Australian Military Bank and so now have access to DHOAS and a range of standard mortgage products. So if you are in the military and thinking of a home loan give me yell.

25.01.2022 The Interest Only Trap is a creation of Canberra not the finance industry Interest only loans have been promoted by all aspects of the finance industry including accountants because it makes best use of negative gearing. By quarantining the debt and banking on capital growth you maximise your tax deduction with minimum impact to your cash flow, thus allowing you to borrow more. The industry didnt introduce negative gearing that was the government who now in one breath clai...m an "interest only disaster" is imminent while at the same time stubbornly defending their negative gearing arrangements. Interest only should never have been offered to borrowers on owner occupied loans for the purpose of reducing repayments, except where short term need such as maternity or study leave made it appropriate. Everybody in the supply chain knew this and they should be held to account where they breached that practice. However, it was never an issue when borrowers could easily renegotiate another interest only term with their bank or move to another lender and start again. The reason there may be a disaster is that the regulators have enforced much tighter inspection on what is acceptable income, what must be counted as expenses, highly padded reference rates used for servicing calculations and higher actual rates being charged. The result is that many borrowers with current loans will not pass the new servicing test and therefore cant move lenders and they are locked into a loan that will convert to P&I (principal and interest) and that could have major impacts on their ability to service debts. Personally I think it is ridiculous to consider gym fees, Netflix or any number of other discretionary expenses when checking serviceability. Surely borrowers would be more prepared to give up their golf club membership or even private school fees rather than lose their family home. And yet this may be the outcome for borrowers caught in the servicing trap created by the regulators.

24.01.2022 Just this week CBA again confirmed that I have to conduct face to face in person interviews and yet their products are offered by several completely virtual operators such as Lendi. Meanwhile NAB have the same face to face policy and yet operate uBank which is a completely virtual service. Double standards and inconsistency abound. Luckily there are tar better deals than CBA or NAB are offering.

24.01.2022 As the squeeze continues on investor and interest only lending - owner occupied, principal & interest deals are getting more generous. Not just interest rates but higher LVR and more flexibility for example smaller apartments.

23.01.2022 Im a member of a broker forum - today I read this post which says so much about the idiocy we have to deal with on a day to day basis. Received a request for further information from B&^%&est today that read you requested a loan amount of $444,000 however we completed a funds to complete and the loan amount worked out to be $443,999.78, please confirm loan amount and shortfall of funds

23.01.2022 Humorous comparison of the six capitals https://www.youtube.com/watch?v=d1P-w4pyGfk&feature=youtu.be

23.01.2022 The bubble that is causing the regulators to constrain lending only exists in Sydney & Melbourne and yet the entire country is impacted by the tightened lending policy....I mean some areas could do with some stimulation rather than constraint.

23.01.2022 Great deals for small businesses

22.01.2022 Once again this year I am entering the Scrapheap Adventure to raise funds for Down Syndrome Australia. So far over my last two events I have raised almost $13,000 and this year I hope to break more records. If you can afford to donate please do - if you cant then please share . https://www.mycause.com.au//149/andrew-hunter-son-grandson

21.01.2022 Tired of the rental grind? https://youtu.be/NidbvoXpvHw

21.01.2022 I'm a member of a broker forum - today I read this post which says so much about the idiocy we have to deal with on a day to day basis. Received a request for further information from B&^%&est today that read you requested a loan amount of $444,000 however we completed a funds to complete and the loan amount worked out to be $443,999.78, please confirm loan amount and shortfall of funds

19.01.2022 If you have a small business and the idea of Amazon and other online competition worries you, why dont you give me a call for a no obligation free chat about what we offer and how it may be of assistance to your future ... 1300 799 303 or 02 9037 4084 ..... pay no attention to the city numbers we are in Dorrigo

17.01.2022 Teachers Mutual , UniBank and Firefighters Mutual ( inc all emergency services ) check great deals

17.01.2022 Non-Resident Tax Changes https://expathomeloans.com.au/tax-changes-for-non-resident/

15.01.2022 We have known this for years but wow the latest figures from Roy Morgan really show the divide when it comes to home loan customer satisfaction: "ING is the highest home loan performer among the ten largest banks with 94.8% satisfaction, followed by Bendigo Bank on 89.7%. They are followed by St George (81.5%), Bankwest (77.8%) and Suncorp Bank (77.6%).... The big four banks with CBA and ANZ both on 71.4%, followed by Westpac with 70.7% and NAB 70.3%."

15.01.2022 Recently gained access to short term unsecured finance for small business. Purposes include tax debt, stock purchases or even capital equipment. Get more information or a quote from here https://keychange.com.au/mo/unsecured-business-finance.html

11.01.2022 The Morrison, China data scare alert last Friday was nothing more than a diversion. The figures shown below are mainly failed hack attempts on just one of our managed Wordpress sites. Yes, the numbers look scary, but they can be ten times higher at times. However we use industry leading, heavy duty security and fingers crossed we have never had a breach.

10.01.2022 Can you believe these morons at CHOICE ..."A ban on the payment of commissions to mortgage brokers and financial advisers so it is clear that they act for the... person seeking advice, and nobody else." All research indicates that under the current system the vast majority of borrowers are happy with their broker outcome and are fully aware that brokers are paid commission by the banks. Under 2011 National Consumer Credit Protection Act It is already a legal requirement for ALL brokers to disclose commissions before writing the loan. There is also a legal requirement to have NO conflict of interest. Choice want borrowers to pay for the service ....WTF? That simply means that you, the customer is out of pocket, banks save money and brokers go out of business.

07.01.2022 If you are looking for competitive easy access to personal loans both secured and unsecured this is your answer https://www.wisr.com.au/

07.01.2022 Paradime Home Finance - see.

07.01.2022 Give me a yell - no obligation

06.01.2022 Lots of Aussie expats are struggling to find finance or refinance options. Commonwealth Bank have a policy that still allows expats to borrow however there is a catch - they insist that either the broker must interview them in person (skype not acceptable) or they have to attend an Australian branch. If I planned it right I could cover the cost of the return air fare to London via Qatar and sign up maybe half a dozen loans ...but really.

06.01.2022 Great service and saves a bundle

05.01.2022 AMP offering 3.78% variable on their basic Essential loan and from 3.99% variable for investors

05.01.2022 Looking at some online home loan offering and I hear a lot about Uno. - I just read their privacy policy - wow they appear to be pretty free with your information. Takes some reading but the devil is in the detail.

05.01.2022 Are you worried that NBN might lose your business local phone number ..there are plenty of options to keep your number and save heaps on call costs

04.01.2022 New website and hosting packages ..call for pricing. We offer professional Wordpress development and support with our own managed server located in Melbourne data centre. Over 20 years web and server management experience.

04.01.2022 Business finance through the banks can be a nightmare and not cheap. We now have access to unsecured short term business finance designed to keep your business wheels turning through the peaks and troughs ....https://keychange.com.au/mo/unsecured-business-finance.html

03.01.2022 Post budget loan inquires pouring in

02.01.2022 I came across an article about an Australian Fintech offering personal finance ie: personal loans and so I had a look at their site and it was of interest. So much so that I considered buying a parcel of their shares however being a canny Scot with an IT background I checked out their website from a performance point view. I started with basic SERP ranking for a couple of key words and I found they were around 30th which for a competitive key word is ok, But I also know t...hat for their business to seriously grow they would need to do better and so I decided to sit back and watch. It was my intention to use a SERP improvement as my flag to go ahead with share purchase. But their SERP wasnt moving in the right direction and so I had a much closer look at their site and I was astounded to see that they not only didnt offer AMP ( accelerated mobile ) versions, Googles rated the main site as "not mobile friendly" meanwhile Pagespeed was a terrible 51 Wow !!! The About Us page tells us the CEO "has a proven track record in technology and business innovation" while the CTO has "15 years professional experience" ...."developing unique websites and mobile apps." Now the site actually looks very good even on mobile but if Google doesnt agree then you are in big trouble.

01.01.2022 A few years ago I purchased an unrestricted version of he Instalogo Logo Creator but when I went to use it recently it was gone. I reinstalled and the the developer wants more money for what I already paid for ....as a developer myself I consider this very unethical.

01.01.2022 WordPress Attacking WordPress - if you have a Wordpress installation I strongly recommend that you install Wordfence security - if you need assistance give me a yell. https://bit.ly/2UhWdPQ