Maree Yates in Bunbury, Western Australia | Loan service

Maree Yates

Locality: Bunbury, Western Australia

Phone: +61 422 121 352

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• Financial service
• Loan service
• Mortgage brokers

25.01.2022 We are experienced, professional and ready to help you! Are you looking to buy or sell property in the South West? Let's us handle the paperwork. Call our office on 08 9791 7500 or head to our website www.questconveyancing.com.au, we would love to help you.

24.01.2022 Scammers exploiting the early release of super in COVID-19 crisis - Scammers are cold-calling people claiming they can help you get early access to your super -... They want to collect your personal details so they can access your superannuation funds - ATO is managing the early-release of super through myGov for free; no third-party involvement required Read the full release below.

24.01.2022 Australia’s mortgage brokers are vital small businesses that create jobs and keep the big banks competitive. #AFG #keepcompetitionalive https://www.keepcompetitionalive.com.au/

23.01.2022 Since the Royal Commission, lending has become increasingly more difficult to obtain. Loans that may have been approved 6 months ago, could very well be declined today, based on the fact that they don’t meet the lenders policy exactly i.e., don’t tick every box. Previously policy exceptions may have been made, however, this is becoming less acceptable today. It is so important to know before you apply to a lender for finance, that you meet ALL their criteria. This can only b...e achieved by looking at your full situation and based on this assessment, knowing which lender is going to have the policies to suit what you’re trying to achieve. This knowledge can only be achieved through experience and keeping in constant communication with lenders to know what their policy niches are. That is where I can assist, with access to over 40 lenders, I would be happy to meet with you and discuss your options. If you would like to discuss your situation, please don’t hesitate to call 0422 121 352. My assistance comes with NO obligation and at No cost to you. See more

23.01.2022 Nice to hear some positivity for our region .. bring it on !!

23.01.2022 WILL COVID-19 DEFERRALS AFFECT YOUR CREDIT REPORT ? The Australian Banking Association has updated its guidance around the effect on your credit file, of taking up a financial hardship option, with your lender. It has now been agreed that any Australian who is granted a deferral on loan repayments on their mortgage or other credit products, such as a credit card, will not have their credit rating affected as a result of that deferral (provided they were up to date with repayments prior to COVID-19). If you require financial relief, it is imperative that you contact your lender as soon as possible. Your lender should help you consider the options that are available to you, based on your personal circumstances. Lenders financial hardship policies do vary and if you would like my assistance, please don’t hesitate to call.

22.01.2022 Did you know that your borrowing capacity can vary between lenders? All lenders have their own calculators and asses at different rates, which could mean while one lender says NO another may say YES. Don’t make the mistake of just discussing you lending options with your bank. It may be that you don’t tick all their policy boxes eg. they require a higher deposit, or you’ve just started a new job. But hat doesn’t mean your situation won’t be acceptable to another lender.... Protect your credit score by applying to the lender with the best chance of success and suitability the first time. With over 40 lenders I have access to plenty of choice and we can always approach your preferred bank, if they are suitable. If you would like to discuss your situation, please don’t hesitate to call 0422 121 352. My assistance comes with NO obligation and at No cost to you See more

22.01.2022 Now that the vacancy rate is below three per cent, we can safely say the market is in a recovery phase with landlords now the beneficiary of the current rental environment," says REIWA President, Damian Collins.

22.01.2022 As we move into the festive time of the year, I would like to take this opportunity to wish you and your family a wonderful Christmas and a happy New Year. Stay safe, relax and enjoy your time with family and friends. I look forward to catching up with you in 2019. Maree

22.01.2022 Have your rates increased recently? Even though the reserve bank has kept rates on hold, many lenders have increased rates over the past few months. BUT not all lenders rates are the same and you may be eligilble for a better deal! Some lenders are also offering cash back incentives if you refinance your home loan with them up to $2,000 from one lender. With access to over 40 lenders, and new products available in the market on a regular basis, there could be a more suitable deal for you. If you would like a review of your home loan, please don’t hesitate to call 0422 121 352. My assistance comes with NO obligation and at No cost to you.

21.01.2022 Reserve Bank leaves official cash rate rates unchanged at 1.5%. However regardless of this, lenders continue to regularly change their rates .. have you checked your loan statements lately to see what you are paying??? If you're a little surprised/shocked by what you see and would like to discuss, please call for a no obligation free chat and lets see if we can change that frown to a smile. :( to :)

21.01.2022 Repayment holiday (COVID-19 Buzz word) - What exactly does this mean? There really is no such thing as a 'repayment holiday'. While it is true that you may be able to pause your repayments for an agreed period of time, what’s not true is that you can pause the interest on these loans. If you choose a lender's financial hardship option to pause your repayments, they simply add the missed interest and fees to the loan amount. The end result is that you will owe more to the bank... at the end of the "repayment holiday" and have to payback more. Depending on your personal circumstances, pausing loan repayments may absolutely be the right option for you. However, it is important to talk to your lender, about what other options you may have. These may include: a rate reduction, reducing your repayments to the minimum required, using funds in an offset account or redraw where you have made extra repayments in the past, temporarily switching your loan to interest only etc. Of course, you should check the exact hardship policies of your lender as these do vary. Most lenders will have this available on their website. Determining what is the best option for you, requires a good discussion with your lender about your current situation and what you expect to happen. Please feel free to contact me if you need further assistance. Maree See more

20.01.2022 One of the most widely misunderstood elements of real estate is what condition a property should be in at settlement or possession.

20.01.2022 We are looking for the Best BBQ recipe !!! Do you have a barbie recipe that your mates rate, one that might be good enough to win $1,000? Send it in for the chance to win and we'll share the best recipe in our next newsletter edition. Maree

20.01.2022 If you're about to go house hunting, you should read this first :). If you would like to have a free ... no obligation chat, please call 0422121352. Maree

19.01.2022 Your super is your retirement savings. Before you apply to access your super consider all your options. https://bit.ly/3ehYHry

19.01.2022 As the world grapples with the unfolding COVID-19 situation, I wanted to let you know I'm committed to helping you through what will likely be difficult and challenging times ahead. To help you navigate the COVID-19 situation we have pulled together some useful links and information. If you would like to discuss your options further please don't hesitate to contact me on 0422121352. Take care and I hope you and your families remain safe and during this time. Maree

18.01.2022 Bring on 2019 !!!

18.01.2022 I work with clients like you every day to ensure they find the right finance solution one that suits you and not the banks. Contact me today on 0422 121 352 and we’ll make a start on finding a deal that is right for you.

18.01.2022 Article quotes areas to watch are Shenton park, the old Princess Margaret Hospital site and BUNBURY :)

17.01.2022 With lenders continuing to review rates independently of the RBA, it is important to review your lending options regularly to ensure they remain the most suitable for your situation. There may be different rates available from our wide panel of lenders and I'm always available to ensure you have the right financial solution for your current and future circumstances. Maree

17.01.2022 It’s a great time to assess your loan and set 2018 off to a great start financially. If you haven’t reviewed your home loan recently, I may be able to find you a more suitable deal. Call 0422 121 352 to discuss further.

17.01.2022 Even when rates are unchanged, my role as a broker remains the same. There may be different rates available from our lenders, so I'm always on hand to ensure you have the right financial solution for your current circumstances, and are receiving the most suitable rate available to you. If you would like to have a chat about your finances, please don't hesitate to get in touch :) Maree

16.01.2022 REIWA welcomes the McGowan Government's announcement that the number of people who can attend a home open will be increased from two people (including the agent) to a maximum of 10 people, as of 27 April 2020. More here: https://bit.ly/3bzCoff

16.01.2022 "Let's kill competition and help the banks make more profit" - said no one ever. Visit our page and send the government a message they need to hear - https://ww...w.brokerbehindyou.com.au/ Potential changes to broker remuneration are threatening the viability of the mortgage broker industry, without brokers you could face higher interest rates, fees and a reduced choice of lenders - this means less competition. 60% of borrowers now choose to use mortgage brokers, it's time to stand up and tell government that you support and value mortgage brokers. #yourbrokerbehindyou #dontkillcompetition

16.01.2022 More positive news for W.A. heading into 2019 :) If your considering buying and would like to discuss your options, please don't hesitate to give me a call on 0422 121 352. Maree

15.01.2022 Keystart have recently announced they are increasing their income limits, which means more people will now qualify for a keystart loan. Keystart loans are not just for first home buyers, the loan just needs to be for the only home you own and live in. If you have been struggling to save a deposit and would like to discuss your options, please dont hesitate to call. 0422 121 352. Maree

15.01.2022 How well do you understand the paperwork and planning behind your new build? Let us break it down for you.

15.01.2022 "If you've started the process of looking for a property and are considering your finance options, chances are you're feeling slightly overwhelmed at the choices out there. Our home loan guide will help you to understand some of the common terms."

15.01.2022 RBA Rates remain on hold, however with lenders continuing to review rates independently of the RBA, it is important to review your lending options regularly to ensure they remain the most suitable for your situation. If you would like to discuss further, please call 0422 121 352. Maree

15.01.2022 Did you know that not all lenders require the same home loan deposit? There are lenders that will accept a 5% deposit and even as low as 2% deposit with Keystart, if you meet their policy requirements. If you would like to discuss your capacity to purchase, please don’t hesitate to call 0422 121 352. My assistance comes with NO obligation and at No cost to you.

14.01.2022 Did you know, that if you qualify as a First Home Buyer and purchase an established home up to the value of $430,000 you don’t pay any stamp duty :) On an average $300,000 purchase this is a saving of nearly $9,000 !!! PLUS there's more good news ... For purchases less than $400,000 there is also a reimbursement of up to $2,000 that can be claimed. This is a reimbursement for the costs involved with the purchase of your first property, when buying through a real estate agent. Costs such as settlement agent fees, bank fees, property inspection reports etc. If you would like to know more, please don’t hesitate to call 0422 121 352.

14.01.2022 Not sure how you can use your equity to help purchase your next property or renovate your current home? Call to discuss the loan options that could work for you.

13.01.2022 Using a mortgage broker is a smart way to go. We provide real choice between lenders and keep competition alive. If you’d like help with your home loan at a time and place that suits you, contact me to get started. My assistance comes with NO obligation and at No cost to you. Call 0422 121 352 today.

13.01.2022 There are some competitive lender deals on offer at the moment. If you’re looking to refinance, give me a call to discuss your options. My broking services come with NO obligation and NO COST to you Yes that’s right, I’m paid by the lender of your choice. And I come to you at a time and place that suits everyone. Call 0422 121 352 or email [email protected]

12.01.2022 REIWA expects overall market conditions to improve in Regional WA in 2019 as a direct result of investment in the mining sector...

12.01.2022 With lenders increasing rates independently of the RBA, it is important to review your lending options regularly, to ensure they remain the most suitable for your situation. There may be different rates available from our wide panel of lenders and I'm always available, to ensure you have the right financial solution for your current and future circumstances. If you'd like to have a chat, please don't hesitate to get in touch by calling on 0422 121 352 or email [email protected]

11.01.2022 This is a MUST READ ... if you are thinking of applying for a home loan. In the current financial climate, every move you make is being scrutinised. Personal spending habits on things like clothes, holidays, Netflix and Uber Eats are becoming a factor when a bank considers a loan application. However simple changes can make a huge difference. Being prepared before applying for a loan and making easy changes to your lifestyle in the months preceding a credit application can make all the difference. If you would like to discuss this further, please don’t hesitate to give me a call 0422 121 352. Maree

11.01.2022 YES rates are on hold AGAIN. BUT with lenders continuing to review rates independently of the RBA, it is important to review your lending options regularly. Lenders consistently offer reduced rates for new business, that they generally do not offer to existing clients. As such it is important to have your loans reviewed on a regular basis. Don't throw away your hard earned money to a bank, through complacency. If you would like to discuss further, please call 0422 121 352. Maree

11.01.2022 Wishing everyone a happy and safe Easter . :) Maree

11.01.2022 I would like to wish everyone a very Merry Christmas and hope that 2020 is a wonderful and prosperous year for you all. I would also like to take the opportunity to thank my clients, friends and colleagues for your support over the past year, it has been greatly appreciated. I look forward to catching up with you all in 2020. Until then stay safe, relax and enjoy your time with family and friends. :) Maree

09.01.2022 With summer and Christmas nearly upon us, it’s the time when many people start to think about buying, selling and even renovating. If this is you, why not get a pre-approval in place so you can start shopping with confidence, knowing that finance won't be an issue. My broking services come with NO obligation and NO COST to you Yes that’s right, I’m paid by the lender of your choice. And I come to you at a time and place that suits everyone. Call 0422 121 352 or email [email protected]

09.01.2022 Did you know that Rando and Associates offer pro bono financial advice to people living with a cancer diagnosis? We have supported many of our clients through t...he difficult process of diagnosis and recovery and can support you so that you can focus on the most important thing: Getting better. Contact the Cancer Council Western Australia's Dot’s Place today on (08) 9721 9555 for a referral. See more

09.01.2022 Friends and family, we need your help! For reasons we struggle to understand and despite significant data that overwhelmingly supports our industry, the final Royal Commission Report has recommended changes to the Mortgage Broking Industry. Please do not be complacent and think this will not affect you these changes will affect everyone. Please take a moment to support an industry that supports YOU, by signing the petition. An industry that supports YOU by providing grea...t service, real choice and by keeping competition alive we keep YOUR mortgage costs down. We work for YOU and not the banks and we negotiate for what’s right for YOU, not what’s right for the banks. The reforms recommended with regards to our Industry, will give the banks more power than ever and threaten to destroy the Mortgage Broking Industry along with competition. Less competition = less choice = more cost to YOU. Thank you for your support. Maree See more

09.01.2022 Worth reading ... if you are looking to get a home loan in this post Royal Commission environment. If you would like to discuss your options further, please call 0422 121 352.

09.01.2022 I have so many enquiries for SCULLERY designs, I thought I would share with you one our most popular Summit homes! Perfectly designed for entertaining, this spectacular rear living home is currently available from $219,700. For further information message or call me 0407 258 844

09.01.2022 The RBA has reduced the cash rate to a new record low of 0.50% in response to the economic threat posed by the coronavirus outbreak and bush fire crisis.

08.01.2022 What if you don’t have the required deposit saved, but want to make the most of the current market conditions and buy now while prices and interest rates are low? It may still be possible if you have family members willing to provide a security guarantee, using their property as equity. I would be happy to work through this option with you, to see if it would be suitable. If you would like to discuss this further, please don’t hesitate to call 0422 121 352

08.01.2022 It’s that time of year when we set new goals or dust off old ones. But how can you boost your chances of sticking to your financial resolution? Here are some practical tips that may help you.

06.01.2022 Good news for South West home owners!

06.01.2022 Switching home loans could help pay down your mortgage sooner, providing you are refinancing for the right reasons and understand what’s involved. Here’s a guide to refinancing, to help you make the right move when the time comes. To discuss further, please call 0422 121 352 for a no obligation free chat.

05.01.2022 What exactly do Mortgage Brokers do for their customers ? Take a look at the industry's new campaign, and get the facts about working with a Mortgage Broker today at brokerbehindyou.com.au #findafairerdeal

05.01.2022 Interest rates are at historic lows!!! Make the most of this opportunity if you're looking to get into the market, or for those that already have a mortgage its time to review your options. If you would like to discuss, please don't hesitate to give me a call on 0422 121 352.

04.01.2022 In its first meeting of the year, the Reserve Bank of Australia decided to once again leave the official cash rate unchanged at 1.5%. The last rate move was in August 2016.

03.01.2022 Save money while you save your sanity! With interest rates slashed to sub 3% with some of the lenders, it has never been a better time to refinance, if you’re secure in your employment. Find out how to make the most of the market, without even leaving the house. Call me to discuss your options further 0422 121 352. Maree

03.01.2022 As a first home buyer, you will have a lot of questions. I’d love to help give you some answers. First, check out my informative page for first home buyers and download my free guide. If you would like to discuss your options further, please don’t hesitate to give me a call. My assistance comes with NO obligation and at No cost to you. Call 0422 121 352 today and take the first step to home ownership http://www.lifespansouthwest.biz//becoming-a-first-home-b/

03.01.2022 The Government is going to be making some very important decisions regarding regulation and remuneration of Australian mortgage brokers, that could impact everyday Australians. To keep lenders competitive please support brokers. https://www.keepcompetitionalive.com.au

03.01.2022 The Mortgage Broking service’s I provide to you, come with NO obligation and at NO COST to you Yes that’s right, I’m paid by the lender of your choice. And I come to you at a time and place, that suits everyone. You can see me at any stage in your financial journey. You might still be saving for your first home, wishing to use the equity in your current one, or wondering if you're still getting the right deal with your existing lender. Call me now to discuss 0422 121 352.

02.01.2022 Reserve Bank has cuts rates by a further 0.25% today. The lenders may or may not pass all of this reduction on, we will have to wait and see. But, either way rates have never been this low and their are some great deals available. :) If you would like to know if you're getting the best deal available to you, or if you're in a position to buy now, to take advantage of these rates, please dont hesitate to call. Maree MB 0422 121 352

01.01.2022 Thinking of purchasing a home but unsure how the loan process works? We’ve got you covered with our handy guide taking you through the process step by step. Head over to my website to find out all you need to know. If you would like to discuss your options further, please call 0422 121 352. http://www.lifespansouthwest.biz/explaining-the-loan-proce/