Living Home Loans in Gold Coast, Queensland | Consultation agency

Living Home Loans

Locality: Gold Coast, Queensland

Phone: +61 439 110 255

Address: 306B, 87 Griffith Street 4225 Gold Coast, QLD, Australia

Website: http://www.livinghomeloans.com

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• Financial service
• Loan service
• Mortgage brokers

25.01.2022 It’s Tuesday December 29th and to most of us, that’s really not vital information because in this hazy time between Christmas Day and New Year’s Eve who even cares what day it is right..? We hope everyone is taking these few days to eat drink and be merry before we bring in the New Year!

25.01.2022 Sarah has shared with us her painting, reminding us to treasure the moments. This was an inspired painting that encourages me to enjoy the creativity of others.

25.01.2022 Just in case you missed this announcement....There has been extended time frames put in place for the government’s Home builder Scheme, which was due to end on 31st December. There are now a further 3 months whereby you can take advantage of the Scheme, although the amount has been reduced from $25,000 to $15,000. For all the info you can see it here: https://treasury.gov.au/coronavirus/homebuilder

25.01.2022 Newsflash!! 10,000 new First Home Loan Deposit Scheme places are now available in a surprise government announcement. And the property price limits have also been increased. Get your ticket before they run out again!

25.01.2022 "The fundamentals of the Australian housing market are intact despite the economic upheaval caused by the COVID-19 lockdown", says a senior executive at one of Australia's largest listed residential property owners. This article features a 1-hour video from experts commenting on questions from viewers about how COVID-19 has impacted the property market. https://www.afr.com//housing-market-intact-for-now-say-exp

24.01.2022 Kirsty enjoying a sunset surf last week, before the crazy weather hit the Gold Coast. The best thing after a big day getting successful finance for our clients Kirsty Best

23.01.2022 Merry Christmas from the Living Home Loans team. Wishing all our friends, family and clients a wonderful Christmas. We hope you all are able to celebrate with friends and family whether it be in real life or virtually.

23.01.2022 Would you like someone who can: Do all the running around for you Charge no fee, yet source finance AND can negotiate on your behalf Support you in communications with agents, builders, even solicitors... And work with you on an ongoing basis as a partner, in cultivating your financial dreams into reality? At Living Home Loans we help property buyers who are trying to achieve financial peace of mind. We have a unique approach which considers both money and lifestyle. It’s built on the three pillars of: Focus, Care and Innovation, a foundation which allows property buyers to get finance approved and to cultivate their dreams. Read more about our story and how our unique combination came about >>> https://livinghomeloans.com.au/about-living-home-loans/ "

23.01.2022 Thanks Holly G - How exciting for you to have that beautiful pad in Coolangatta close to those wonderful beaches where you can surf and surf and surf

23.01.2022 Although we should take a bit of time out each day to take care of our selves and do something for us, we don’t tend to make this time especially if we have a busy full life with work and a family etc. Today is International Self Care Day. Take the time today to do something for you. Whether that's read a book, go for a walk on the beach, catch up with a close friend, take a nice bath, do some exercise or whatever self care may look like for you. Share with us below wha...t you will be doing today, we'd love to hear your self care rituals . #internationalselfcareday #selfcare #loveyourself

23.01.2022 Spring has well and truly Sprung!! What flowers will you plant in your new home? Here's a snap of a special part of our front garden...

22.01.2022 She needed to make a decision, to either figure out a way of consolidating her debt and getting some major improvements done to her house OR she might have to sell her home. Not only did she need to do something quickly she also wondered if it might be possible to get the finance so she could buy a NEW CAR, something she never had before. Read more about how Madonna, not only made her renovation a reality, she got the new car too!! Read more: https://livinghomeloans.com.au/madonna-story-big-dreams-pe/

21.01.2022 Meet Andrew, the other half of Living Home Loans, Andrew is a man of old school family traditions. He learned that a loving family is important and still holds that belief to this day. The big difference he brought to the table was the drive to create things and cultivate his dreams in his unique way. For 12 years he worked as a professional musician in the army and travelled the world before becoming a music teacher on the Sunshine Coast - a vehicle to hone his creativity a...nd innovation. A natural motivator, it wasn’t long until he was working in a music education coordinator role. He saw that it could be done better from a higher level again, so he established his own music education coordination company. This culminated in the position of Music Director for a 125 piece orchestra event at Etihad Stadium. In 2007, for lifestyle reasons, he relocated to the Gold Coast to continue music teaching, 7 years later, Living Home Loans was born. Andrew has always been inspired by visionaries start up business owners, brave people who face life’s challenges -people who are willing to try, don’t give up and won’t take no for an answer when going after their dreams. He puts this into his work everyday, helping and inspiring people to go for gold in life and in searching for the dream home.

21.01.2022 Dreams we've cultivated "A big heartfelt thank you to Andrew & Kirsty. They helped us with the purchase of our very first home, they went above and beyond for us with a situation that was a little bit tricky. But they did it and in a very timely fashion. In a market that was very tough as a purchaser we finally got over the line with a home that we are so very happy with. They answered all my crazy questions and put me at ease with the whole process, without them we would ...not be where we are today so thank you again so very very much." - Libby Have you got a dream that we can help you with? Whether you want to save money on your current mortgage, consolidate debts, access extra cash or get a home loan, we can help. Give us a call on 0439 110 255 or contact us today: https://bit.ly/321vlIL for an appointment. #testimonial

21.01.2022 It's COOL to be KIND Today is World Kindness day! Now more than ever, the world needs kindness. What can we do to spread kindness not just today but everyday?... How about: Compliment the first three people you talk to. Write a hand-written note to a friend or family member Say good morning to the people who pass you on your morning walk Pick up rubbish when you're out and about Leave a generous tip when dining out Send flowers to a friend There are so many ways to spread kindness and today is a great way to start making a difference

20.01.2022 The Living Home Loans teams wants to welcome Summer Baptista to the family. She is getting a cuddle here by her brother Kalani. Congratulations Anastasia and Daniel. She is gorgeous!

20.01.2022 Looking to refinance this year? Mortgage refinancing is certainly the latest buzz right now for homeowners! But remember it is a big decision, so always discuss your options with a professional. We recommend a few steps to take before you make the switch which includes: - Asking your current lender for a better deal... - Negotiating the length of the new loan - Weighing up the cost of lender’s mortgage insurance - Comparing the costs of switching your mortgage - And get at least two different quotes on home loans for your situation The process of switching to a new loan may seem like a hassle but it doesn’t have to be! At LHL we can help you crunch the numbers and we’ll handle the paperwork too. To understand what's involved, read our latest blog up now over on our website: https://livinghomeloans.com.au/everything-you-need-to-know/ Whether you want to save money on your current mortgage, consolidate debts, access extra cash or get a home loan, we can help. Give us a call on 0439 110 255 or contact us here: https://livinghomeloans.com.au/about-living-home-l/contact/ for an appointment.

20.01.2022 Mortgage Rates: The Pros and Cons Fixed mortgage rate: __________________________ Pro: The repayments on your loan will be fixed for an agreed term meaning that your repayments will not be affected by changes in official interest rates or your lender's variable rate. This is good in you are on a budget. ... Con: The downside is, you will not be able to take advantage of lower interest rates. You will also be up for significant costs if things change and you have to break the fixed term. Variable mortgage rate: __________________________ Pro: The interest rate is subject to change throughout the loan term at your lender's discretion. Because the interest rate varies, you’ll benefit from any reduced rates and have lower repayments. You can also make unlimited extra repayments and you can get dollar to dollar benefit form your offset account. Con: There may also be times when your repayments go up when interest rates increase. You will know have the benefit of knowing what your repayments will be. Split mortgage: __________________________ Pro: You can benefit from both fixed and variable rates. Enabling you to have relatively-stable repayments. If the mortgage rate declines you'll have lower repayments on a portion of your loan. You will also be able to make unlimited extra loan repayments and make full use of an offset account, unlike a purely fixed mortgage. Con: It can be a bit more complex to manage having 2 repayment amounts. You will be hedging your bet and getting a portion of benefit and a portion of the cons by having both types of rates in one loan.

20.01.2022 Would you like someone who can... Do all the running around for you Charge no fee, yet source finance AND can negotiate on your behalf Support you in communications with agents, builders, even solicitors... And work with you on an ongoing basis as a partner, in cultivating your financial dreams into reality? At Living Home Loans we help property buyers who are trying to achieve financial peace of mind. We have a unique approach which considers both money and lifestyle. It’s built on the three pillars of Focus, Care and Innovation, a foundation which allows property buyers to get finance approved and to cultivate their dreams. Read more about our story and how our unique combination came about >>> https://bit.ly/3kK5vRW

19.01.2022 With interest rates near an all-time low here in Australia, the next 12 months is looking like a great time to think about a refinance to unlock equity and save money in the long run. It may also be a great opportunity to consider shortening your mortgage’s term in the process. Read more in our latest blog here: https://livinghomeloans.com.au/everything-you-need-to-know/

19.01.2022 Are you paying too much in interest and/or fees on your home loan? Has your situation changed and you’re now finding it hard to meet your monthly repayment requirements? How would you like to start saving money on your mortgage today? ... DOWNLOAD OUR FREE GUIDE TO FIND OUT HOW We’ve put this guide together for home owners, as a reference tool to assist you with the process of finding the best deal to refinance and save money every month. We are a little bit different to other mortgage brokers because we focus on helping property buyers who are trying to achieve financial peace of mind. We’re not just about getting you over the line. We want to help you cultivate your dreams. We’ve helped thousands of happy home owners to save thousands of dollars off their home loans. And we’ve shared how you can do it, in this FREE GUIDE. Don’t stay stuck with a deal that’s costing you your future. Download now and start saving. https://bit.ly/3eGQdth #savemoney #mortgagesavings #propertybuyer

18.01.2022 #HAPPYCLIENTS "Andrew and Kirsty were great. They are able to succeed where most others fail and will always go the extra mile for their clients. If you're looking to get a home loan or refinance I would highly suggest talking to the team at Living Home Loans, they won't let you down!"

18.01.2022 Lest we forget

18.01.2022 You may have seen the announcement of an extra 10000 FHLDS available and they have been snapped up very quickly. If you missed out, don't worry. There will be more to come in the future. If you're unsure of what FHLDS means then this post should answer all your questions. So basically, the First Home Loan Deposit Scheme, is the government guaranteeing your loan instead of you having to pay for mortgage insurance. ... When you get a home loan, if you don’t have at least 20% of the value of the home you’d like to purchase, then you would need to pay for Lenders Mortgage Insurance (LMI). With the FHLDS, you’ll only need to save 5% of the value of the home you’d like to purchase and the government will guarantee the other 15%. It will save you the cost of the LMI which could be approximately $10,000. Of course, if you already have a deposit of at least 20% of the value of the home you’d like to purchase, then you won’t need LMI or the government guarantee! So is it worth waiting for? Simply put, if you struggle to get more than a 5% deposit together, then yes, this may help you. But there still may be another 6 months until there's more available and in that time many things can change: The property you really want may come onto the market and be sold Property prices in the area you are interested in could go up more than $10,000 between now and then Lenders could tighten their policies around approval criteria Considering that you may not even be one of the lucky 1 in 10 buyers that actually get the support, we’d suggest not relying on it. There are still many lenders that will provide a 95% loan (up to 95% of the value of the property you wish to buy, plus the mortgage insurance on top of that). This isn’t the best financial decision for everyone as it can pose problems if property prices go down. But for certain people, this is still a good option. And of course, if you have, or can manage to save up over 20% deposit, you’ll be in a much better financial position not needing the scheme and also will save yourself tens of thousands of dollars in interest over the life of a 30-year loan. Since it still may be a few months until another lot will available, you have plenty of time to explore all your options. Why not book in for our Free Planning Session to get you started? Contact us now on 0439 110 255 or email [email protected] We look forward to cultivating your dreams

17.01.2022 Who wants a rock-bottom interest-rate home loan? Claim your FREE CHECKLIST Today! Click on the link below to access a free resource that will help you understand what you need to do to secure rock-bottom, interest-rate home loans so you can start cultivating your dreams TODAY. Don't stay stuck paying too much on your mortgage. Download our Free Checklist to find out what's involved and how to start saving money on your mortgage.... https://livinghomeloans.com.au/free-rock-bottom-interest-/ #lowinterestrates #freeyourself #financiallyfree

17.01.2022 We love that our team each have their own passions and hobbies outside of the LHL office. Here's Liah and she has been busy... She is a published author and creator of a beautiful story to motivate young girls to be bold, courageous and to explore.

17.01.2022 We are lucky enough to be living in a place, where, due to the government restrictions we have the privilege of traveling and holidaying. We are beyond grateful for this and we are adding to our holiday list as we speak! Where are you road tripping to this month? We found some of the best short breaks in Queensland, check them out below (you can thank us later ) "

17.01.2022 A few pictures from our end of year celebration aboard YOT.. Such an awesome evening!

17.01.2022 Home buying can incur many surprise expenses. Don't get stuck. Remember these extra costs: - removalist costs - conveyancer and search fees - stamp duty - application and government registration fees... - pest and building inspection reports. Have we forgotten any? At LHL we will always look into seeing if you're eligible for a first government grants or stamp duty concessions. If you're eligible, you'll save thousands of dollars. Here's a snap shot of one of our studious first home owners, who had everything you could think of in their outline of costs. Even we were impressed at the organisation and detail gone into this. Chat to one of our team today

17.01.2022 I can’t buy a home because I don’t have enough deposit I can’t get lending because I’m too OLD I can’t buy a home because I’m too YOUNG I can’t get lending because I am on a pension I can’t buy a home because I am self employed... I can’t get lending because I live overseas I can’t buy a home because I am not an Australian citizen I can’t get lending because I have a poor credit history I can’t buy a home because my bank told me I can’t At Living Home Loans we don't allow the word 'can't ' in our office. Although there may be obstacles and roadblocks. We do everything we can to ensure the best outcome. If any of the above resonates with you, please don't hesitate to contact us. We will happily answer any questions and queries that may be putting you in a negative mindset. Contact us here: https://livinghomeloans.com.au/about-living-home-l/contact/

16.01.2022 Flashback from earlier in the year. Just another inspiring shot of Kirsty surfing here at her local break at Rainbow Bay. More and more women are surfing now, which is so great to see and can even be seen to out number the men in the line up at times. Women certainly are reshaping surf spaces. Check out the mini documentary @justgofuckingsurfing which features Kirsty which is a real eye opener as to what really goes on out in the surf. It's a must see!. Women lets kee...p inspiring others to get out there and keep changing the surf industry! Photo by Fran Miller Photography #womensurf #surfdoco #girlsurf

16.01.2022 #feelgoodfriday Today! Let’s Toss Away the Could Haves and Should Haves don’t go through life with regrets. Find a pen and paper. Then write down your could haves and should haves on the paper. Now, throw away the list ! ... Once you have thrown your could haves and should haves in the bin, make the following resolution: From this day forward, I choose not to live in the past. The past is history that I can not change. I can do something about the present; I choose to live in the present. Could haves and should have phrases take many forms. What if I or If only type thoughts keep us from moving forward. Let’s focus on eliminating the thoughts that cause us to choose the past over the future. Sometimes it’s a matter of making different choices now that matters most. Now, take care of yourself and your health by living for now. Do your best and make the best of each and every day!

16.01.2022 There are many people at the moment taking advantage of the ability to withdraw their super. This is done to enable them to have a greater cash flow, pay bills or debt or even get a reasonable deposit for a home loan. We would like to hear your thoughts on if you think it's a good idea to get your super out to get a home loan deposit... Please feel free to share your thoughts in the comments below. #super #hardship #homeloan

16.01.2022 Meet Kirsty, business owner, mother, surfer, friend, leader...the list goes on. Kirsty's core values include a great work ethic, daily gratitude, planning and working towards achievement in all aspects of her life. Kirsty’s sense of being true to herself is very important to her and she believes that anyone can achieve anything, regardless of gender or background. After working as a gymnastics coach and learning how to support and inspire, she kept a home and raised two ...boys. She did this whilst completing a Bachelor of Arts degree, balancing giving to others, whilst building herself up with learning and knowledge. In 2002 her love of giving drew her to volunteer at David Fleay’s wildlife park, then in 2004 her personal development moved into professional longboarding, resulting in her becoming an Australian Champion in 2009! Her excellent fitness, training skills, international travel and competition experience reinforced in her the belief that you can do anything you set your mind to. In 2007 she became a secondary school science teacher, opting for the stability and safety of a regular job until the itch to develop further took hold... From all these years of teaching, training and learning, her desire to help people moved into the property industry. After an inspired and thorough collaboration with her husband Andrew, Living Home Loans came to life!

15.01.2022 The LHL team will be having a short break for some much needed R&R. We will be finishing up the year on Tuesday 22nd December and will be back in full force on Monday 6th January. We will have some skeleton staff on as of the 4th January, just to be sure we are well prepared for our January settlements. We are so grateful for the support our business has received throughout this challenging year. We will be finishing up with a record month for December, so a jolly big ‘T...hank You’ to all our clients and supporters who sprout the Living Home Loans name to their friends and loved ones. If you’re needing any questions answered or advice please ensure you contact us before 22nd December to ensure we can assist you with your finance requirements.

15.01.2022 Andrew and Kirsty i recently stayed in Noosa for a much needed long weekend. Super place to relax. There has been a string of big sales in Noosa’s red hot property market. The latest being an amazing beachfront Sunshine Coast home for $10 million. They didn't go inside, but you can see all the custom-built features at the link below. ... https://www.realestate.com.au//designers-amazing-noosa-be/

15.01.2022 Welcome to our newest staff member Liah Williams who has just started with us this week!

14.01.2022 "Should I lock my mortgage rate today?" Our advice usually is to lock your rate. This can be explained via "If you can't afford to lose, you can't afford to gamble". Mortgage rates are notoriously fickle, and tend to rise much more quickly than they fall. If you lock in a mortgage rate, you're committed to a worst case scenario..... But if your rate lock expires and rates have gone down, you don't get the lower rate. You'll close at the rate you locked in at. ... However, many lenders will allow you to extend your lock rate if interest rates have risen. If you want to avoid uncertainty we suggest you talk to a lender to ensure you make the right decision. One of our friendly staff are always here to chat, contact us here: https://livinghomeloans.com.au/about-living-home-l/contact/

14.01.2022 There might be some pretty solid reasons why lenders might not choose to accept your home loan application. Several factors weigh in when it comes to lenders considering your application. And you can’t blame them because after the 2008 housing crash, most of the lenders have become more cautious. However, there are other loans to choose from. These include: Non-conforming loans... A non-conforming loan can help if you can’t get a standard home loan because of poor credit history. Low-document loans A low-document loan can help if you’re self-employed and can’t show records of your income over a long period. Low-deposit or no-deposit loans These loans can help if you can only afford a small deposit or no deposit at all. Long-term mortgages Long-term mortgages let you pay smaller amounts over a longer period (up to 50 years). Vendor finance The property’s seller might offer you a private financial arrangement, such as a wrap loan or rentbuy scheme. Reverse mortgages A reverse mortgage lets you borrow money against your home, without having to make regular repayments. These loans can help you break into the property market in the short term, but they do come with serious risks. These risks may include: have higher interest rates have more fees or charges force you to take out additional loan insurance leave you worse off over the full term of the loan. We always recommend discussing your options with a trusted professional before you make any decisions... Contact us today: https://bit.ly/321vlIL

14.01.2022 What a beautiful night spent cruising the GC last night - a wonderful finish to a crazy 2020 :)

14.01.2022 HAPPY National Finance Brokers Day! Today is a day to help educate the Australian consumer market on the advantages of using a finance broker for your individual loan requirements and to understand the full range of services that these finance professionals can provide. We are proud to say that we are the only financial service provider that combines money and lifestyle! We have been helping property buyers obtain successful finance so they can enhance their freedom for 6 y...ears now. We’ve brought a unique approach which considers both money and lifestyle. It’s built on the three pillars of Focus, Care and Innovation, a foundation which allows property buyers to get finance approved and to cultivate their dreams. Chat to us today: https://bit.ly/321vlIL

14.01.2022 Andrew paying a visit to the real estate where my mum bought her home.. such a lovely town to end the year with. Happy Birthday Andrew Best and may 2021 be a prosperous and hopefully much more boring year! #tathrabeachrealestate

13.01.2022 Renovation dream becomes a reality! HOW A LOAN CONSOLIDATION AND REFINANCE ALLOWED FOR HOME RENOVATION PLUS MONTHLY MORTGAGE SAVINGS Mr and Mrs J, Gold Coast Home Owners, wanted some extra money to do a major renovation on their home. Their home was too small for them and their teenage daughters, and they were in desperate need to revamp it. They dreamed of turning it into a stylish and modern home. Not only were we able to get more money than they initially requested for t...he renovation ($140,000 instead of $100,000), we were also able to get a much better interest rate, help them consolidate their debts, and get additional money to pay off most of their tax bill. All this and we still managed to save $850 per month from what they are currently paying!!! I know right unbelievable! This is what we do, and we love it. Who wouldn’t? We love helping our clients cultivate their dreams! Read more here: https://livinghomeloans.com.au/chasing-your-dreams/

13.01.2022 You’ve finally found it the house you’ve dreamt of for years! And, now that you’re almost at the finish line, it’s within your grasp as you have your offer accepted and a contract to buy it but wait, it’s slipping away as you wonder if you really can get the finance! It can feel pretty discouraging to look at something slip away from your hands, where you were only inches away from making your visions come to life. ... If you are having difficulty getting a standard home loan, you may need to consider other options. Check out our latest blog below on some ways to break into the property market https://livinghomeloans.com.au/6-ways-to-help-you-break-in/

13.01.2022 Negative interest rates have arrived in Australia. What that means and who will benefit. > What are negative interest rates? ___________________... Negative interest rates happen when the rates that financial institutions apply to consumers or investors borrowing money or putting into savings fall below zero. Interest rates are usually positive, meaning people earn interest on their savings and have to pay it when they borrow. But with negative interest rates, the opposite can happen. > Who will win and who will lose when interest rates head towards negative? ___________________ Potential winners: Borrowers: Lower interest rates typically mean less interest to pay back on money borrowed from banks. Indeed, negative interest rates would mean a bank ends up effectively paying you to borrow money from it. Visitors to Australia Exporters Potential losers: Savers: A negative interest rate could mean losing money if you have funds in a savings account or term deposit with a bank. We haven’t reached that stage yet, but data shows that savers today are generally earning less in interest than in previous years, due to the current low-rate environment. Australians spending money overseas Pensioners Importers > What causes negative interest rates? ___________________ Negative interest rates are usually introduced to try and help revive a slow economy. If a country’s economy is experiencing low or negative growth, unemployment is too high, wages aren’t going up, people aren’t spending money and prices aren’t increasing (or in other words if inflation is too low), a central bank may take steps to bring down interest rates. The idea is to give the economy a jump-start by encouraging consumers to borrow and spend more.

13.01.2022 60 5 star Google Reviews out of 60. We must be doing something right!! - Have you experienced dealing with us? Have you written a Google Review based on your experience dealing with us ? Love to hear :)

13.01.2022 Happy Fathers Day!

12.01.2022 The festive season is upon us and the LHL ladies are enjoying their last official Friday in the office for 2020! They've been non-stop working hard and helping our clients finalise everything before the New Year. A friendly reminder, we will be closing up on the 22nd of December. If you’re needing any questions answered or advice please ensure you contact us before then to ensure we can assist you with your finance requirements.

12.01.2022 Our Coolangatta Office is having it’s 1 YEAR ANNIVERSARY! Rather than having a socially distant celebration, we are having an Open Day celebration here at the Cooly Living Home Loans office - TODAY the 31st of July. Please drop by if your in the area, we would love to have you join us. We will be here from 9am - 5pm, so pop in any any time throughout the day, to help acknowledge our first 12 months in our Coolangatta office.... We will have some drinks, yummy food and of course great company for you! We hope to see you at 306B/87 Griffith St, Coolangatta (3rd level behind Montezumas). #oneyearanniversary #celebration #dreamscometrue

12.01.2022 This year we have helped so many people, whether it be applying for a home loan, giving strategies on how to save money on their current mortgage, consolidating debts or just helping people access extra cash. One story really stood out for us and we thought we'd share it again. It starts off like this.... A designer and Gold Coast Home Owner, who one day walked into our office. She was sure that her loan repayments were in a mess. She felt as though she was in a big pick...le. She had maxed out all 5 of her credit cards and was struggling to make her monthly repayments, as well her home loan repayments. Find out how we helped consolidate the majority of her debts as well as refinance her home loan. https://livinghomeloans.com.au/refinancing-rescue-designer/

12.01.2022 HAPPY NEW YEAR! May this year bring new happiness, new goals, new achievements and a lot of new inspirations

12.01.2022 It’s not uncommon for people to feel a bit hesitant when it comes to buying a house. We get it: it can get scary and exciting at the same time. Investing in a home, or real estate demands time and commitment. And a plethora of other reasons that hold you back from buying your home financial, economical, or some other personal limitation. However, you can’t really use those reasons as excuses to get away with not buying one. You might have googled several keywords that might... have included whether investing in real estate would be worth the effort. And, the results had been overwhelming. But today, Living Home Loans is here to bust those very excuses and show you that you have every reason to get your own house! Read more below: https://livinghomeloans.com.au/we-bust-the-6-common-excuse/

12.01.2022 As you may know we had our 1st Birthday Celebration of being in our new office space in Coolangatta on Friday. We had a lovely day having a relaxing day, enjoying the company of our friends, clients and staff. Here is a little video from Kirsty Best the owner and director of Living Home Loans. Thank you all for your support over the years and we look forward to helping you in the near future with any of your home loan needs . #oneyearanniversary #celebration #cultivatingdreams

11.01.2022 A friendly reminder that we are coming into the really silly season when it comes to getting a new loan across the line. The weeks leading up to Christmas are like a 'border crossing' traffic jam, and it has already well and truly started. The lenders will be shutting down for 2 weeks over Christmas/New Years, so if you want a loan between now and the end of January, you best get moving. It may seem like time is really running out, but there is still time! However, a loan th...at needs to settle in February may need to get into a lender now. Lenders are also taking more time to complete assessments due to Covid. The article below will help you gain a better perspective on how the approval processes have been impacted this year.... https://www.domain.com.au//home-loan-approvals-take-up-to/

11.01.2022 Location, location, location is a common mantra in real estate. However, there are actually so many other things to take into consideration. When looking for your dream home or investment property, things to look at can include: Location Close to a school The size of the property... The size of the house Number of bedrooms Number of bathrooms Kitchen layout The age, style and condition of the home Purchase price From the list above, what are your non-negotiables? Let us know in the comments below

11.01.2022 Have you heard the latest news about stamp duty in NSW?! As of the 1st of August there will be no stamp duty to be paid for first home owners purchasing a new place under $800,000 . Read on to find out more... https://www.theadviser.com.au//40610-nsw-abolishes-stamp-d #firsthomebuyer #newhome #nostampduty

11.01.2022 Are you looking to Refinance? There are a few different fee types that you may have to pay when refinancing. The main one is: 1. The Break Fee: This is generally charged by Lenders when you are still within your fixed rate period. The first step is to find out what that Break Fee (or Exit Cost) would be for you. Contact your current lender and ask for a letter outlining what the Break Fee will be if you pay out your loan today.... Other fees that you may have to pay include: 2. Discharge fees: Paid to your current home loan lender to pay out your existing loan in full and prepare required documentation. 3. Application fees: The fees that the new lender may charge you for the new loan. 4. Valuation fees: The new lender may charge a valuation fee to value your property that will be the security for your new loan. 5. Land registration fees: These are the government fees to remove the existing mortgage from your current lender and register a new mortgage to your new lender. 6. Lenders Mortgage Insurance (LMI): This is only charged if you have less than 20% equity in your property, your new Lender will require you pay LMI to protect them, in case you default on your mortgage. 7. Ongoing fees: There are a myriad of different ongoing fees for home loans. It can be difficult to work out all the different fees involved unless you do some detailed research. Until you go through the application process with each Lender, it’s also difficult to work out which Lender is going to be most likely to approve your loan. That is where we come in. Don’t stress too much about all the different fees though, just find out what your Break Fee will be, and we can work out the rest for you. 0439 110 255 https://livinghomeloans.com.au/about-living-home-l/contact/

10.01.2022 #testimonial "Thank you to Andrew and Kirsty for going above and beyond for our family of 4 and getting and the best home loan for us. Andrew continually touched base and gave us clear options to ensure our loan worked for us. Kirsty is a great communicator that gets stuff done! Thank you for your product knowledge, your continual professionalism and reassurance in buying our medlyn castle, it has been second to none. Thank you again living home loans. I wouldn’t want to choose anyone else to be our mortgage broker. I would recommend this service to my family or friends without hesitation."

10.01.2022 Liah caught in action, getting creative on the weekend. She likes to create textured wonders as you can see

09.01.2022 For many, a home is something that is a bucket list success, for others it is an investment towards financial freedom and financial security. And then there are many people who go out to purchase their new home purely for the independence and escape of living with the parents. If you’ve already ticked this off your list and thinking about your next move, it’s good to know, that in fact, once you get into the property market with one home, it is generally a lot easier to get... your 2nd and 3rd property. Read more on how you could be building you property portfolio in our latest blog: https://livinghomeloans.com.au/could-you-be-building-your-/

08.01.2022 Our senior broker Kirsty discussing her strategies and ideas on how Living Home Loans has been and continues to be successful in the mortgage broking space :)

08.01.2022 We’ve had many people asking us how they can take advantage of the CRAZILY LOW interest rates that are now being offered. We’d like to shed a bit of light on this.... Yes, thanks to COVID-19, our economy is trending downward and the RBA has reduced the cash rate to an unprecedented 0.25%! Many lenders are now offering never before seen, rock-bottom interest rates for new loans. Find out how you can nab these interest rates while they are available. Read on.... https://livinghomeloans.com.au/rock-bottom-interest-rate-ho #homeowner #lowinterestrate #savenow

08.01.2022 Some interesting news amongst the chaos, Australians find refuge from the pandemic in surfing. As you probably already know, Kirsty from LHL has a passion for surfing and unconditional love for the ocean. So, to see our community use these times to escape to the ocean makes us happy. And we hope it ignites people to include surfing and the ocean into their daily life. https://www.abc.net.au//surf-industry-buoyed-by-c/12484658

07.01.2022 "Many people will walk in and out of your life, but only true friends will leave footprints in your heart" - Eleanor Roosevel - Life can get super busy and it's easy to let friendships slide by, even if they are true friends. Try to make it a priority to connect with your friends at least once a week either by phone, text or in person. ... True friends are good for the soul and is something we should hold close to our hearts. Now get out there and have a good time with a friend, and share a big hug and smile #friendship #internationaldayoffriendship #truefriends

07.01.2022 Q & A with Living Home Loans Q. How long does it take to get a home loan approved? A. Generally speaking, it can take between 4 to 6 weeks from submitting your application to reaching settlement depending on which state you live in.... There are steps you can take to ensure your mortgage application proceeds smoothly, and to get your finance unconditionally approved in the shortest time possible. Contact us today to ensure your home loan journey is a smooth one! 0439 110 255 https://livinghomeloans.com.au/about-living-home-l/contact/

07.01.2022 Before you buy a home, you should be aware of any major issues with the property. We always recommend you get a professional in to do a home inspection. This provides an opportunity for you to identify any issues with a home prior to closing. Imagine buying a car without checking the mileage or the brakes, and then having it break down as soon as you buy it. A home is likely the largest purchase you'll ever make, and ultimately you as the buyer are responsible for maki...ng sure you're getting a quality property for the price you're paying. Get building and pest inspections so you're not stuck with a collapsing, termite-infested disaster. Examine the quality of the property's fittings and construction as best you can. And if there are obvious repairs needed (and you're OK with that) make sure you get a quote for repairs and factor that into your budget. Have you had a (good or bad) experience with this? Let us know in the comments below.

07.01.2022 Stories like this keep us motivated and we are grateful to have been able to help. Covid-19 policies have added another layer into making things tricky to get successful finance (even if you have not been affected by it). It often takes more time and more paperwork, but this shows again, you can get successful finance if you have the basics in place. Well done Natasha!

07.01.2022 "As a first time buyer Andrew and Kirsty were really helpful and made the process of getting my mortgage and the home I wanted, which was sometimes confusing or frustrating a lot easier to navigate. I'm more than happy to recommend them to anyone looking for a great home loan team!" - Jake Van Opstal 'Great work team Opstal' - you got there and bought a fabulous First Home. Thanks for the 5-star review!

07.01.2022 On December 10, it finally happened. Instead of demanding an interest payment from the Government in return for lending it money, a group of investors offered to pay the Government in order to lend it money. Naturally enough, the offer was accepted. Read more below

06.01.2022 DID YOU KNOW A $30,000 car loan can reduce your borrowing capacity by around $100,000! At Living Home Loans, we suggest for clients to plan for a property purchase and to be aware before taking on a large car loan. When applying for a loan, your lender considers a number of factors to determine your borrowing power. ... These include: Interest rate buffers Credit Cards Existing loans Disposable income To find out how much you can borrow, use our calculator here: https://bit.ly/3hpBXqT

06.01.2022 Saving for a home deposit can be slow going, but you may be able to buy a home faster with help from a family member, who acts as your home loan guarantor. What is the role of guarantor? A guarantor guarantees to pay a borrower's debt in the event that the borrower defaults on a loan obligation. The guarantor guarantees a loan by pledging his or her assets as collateral.... Who can be a guarantor? To be a guarantor, someone must have a strong relationship with the buyer or buyers, which generally means immediate family members such as: Parents Siblings Grandparents Spouses De facto partners. An example of how a guarantor loan can work is: Bill and Betty want to buy a $750,000 home but have struggled to save a big enough deposit. They also were going to have to cover thousands in Lender's Mortgage Insurance (or LMI which is dead money) as they had less than 20% deposit. They have only managed to save enough to pay the stamp duty and associated costs. They decide to approach Bill’s parents who have paid off their own home, who then agree to provide a $150,000 guarantee from the equity they have in their home, to cover the required 20 percent deposit for the couple. This removes any need for LMI while Bill and Betty still can borrow 100% of the property cost. The guarantee can also cover stamp duty. Read one of our client stories here: https://livinghomeloans.com.au/how-a-family-guarantee-help/

06.01.2022 Have you ever wondered how some people get the rock-bottom interest rates on their home loan? Would you like to know the secrets and put yourself in the position to get them as well? Find out how. Download our Free Checklist https://livinghomeloans.com.au/free-rock-bottom-interest-r/. We’ve helped thousands of happy home owners to get rock-bottom interest rates and save thousands on their mortgage.... And we’re sharing a FREE CHECKLIST that shows how you can get yourself in a position get the best interest rate for your situation. Don’t accept higher interest rates. They will cost you thousands over the long term. Download now and start cultivating your dreams: https://livinghomeloans.com.au/free-rock-bottom-interest-r/. #ratedrop #interestrates #homeloan

06.01.2022 Living Home Loans have over 40 lenders that offer different policies and niches suited for all sorts of situations. It takes a bit of work at times to find a lender that will work. However, our clients are go-getters, who really run with the idea of I CAN compared to I CAN’T. Here's a client story from earlier in the year, showing that we can provide successful home loans when other lenders say it's not possible:

06.01.2022 A picture to remind us all how unique and different our men and their health is...In what has been a tougher year than most, understanding 'Men-tal health' and going that extra mile to reach out to your mates and check-in on one another is even more important than any other year. This month is a great way to spread awareness and start the conversation. If you're participating this year, we would love to see some selfies in the comments below

05.01.2022 Are you still eligible to buy a home while receiving JobKeeper? Yes and No.... It really depends on the individual bank or lender, some will accept JobKeeper payments as income, and some won’t. If they do accept it, they will need additional information like:... Will there be any further changes to your working hours? Is the JobKeeper payment you're receiving higher or lower than your usual income. If your standard working hours have been reduced, are you receiving a salary from your employer? (including JobKeeper payments). Have your hours been reduced? Or are you working at your usual capacity with the same hours? If you are on Jobkeeper payments, can your employer confirm you will return to your normal hours and income after Jobkeeper finishes? The process can be completely overwhelming in this trying time. But our team are informed on different lenders' requirements and can help to make your experience as simple and clear as possible. If you are, or have been on JobKeeper and you are unsure if you're eligible, one of our team can answer your questions. 0439 110 255 https://livinghomeloans.com.au/about-living-home-l/contact/

05.01.2022 Q & A with Living Home Loans Q. What is a CCR/Comprehensive Credit Report ? A. The CCR is basically an overall record of your credit conduct from the past two years, except for defaults which stay on your CCR for five years (did we mention that?).... At the top of your CCR there is a Comprehensive Score. In general, anything over 700 is seen as no problem by lenders and anything under 600 is a problem. A score in between 600 and 700 is going to be lender dependant. Prior to March 2014 Australia’s Credit Reporting was pretty basic, just including defaults and bankruptcies. But in March 2014 new laws enabled more information to be included on credit reports, and the name was changed to Comprehensive Credit Reporting (CCR). The CCR now includes credit enquiries and credit card repayments. This brought Australia roughly in line with the US and UK credit reporting system and now provides a lot more information on your credit life. For a history on credit reporting in Australia visit this site. Do you have other questions...? Contact us today to ensure your home loan journey is a smooth one! 0439 110 255 https://livinghomeloans.com.au/about-living-home-l/contact/

05.01.2022 #testimonialtuesday "Andrew and Kirsty were extremely dedicated and helpful in getting my home loan sorted. Despite numerous obstacles both Andrew and Kirsty found solutions without delay and helped keep me calm throughout." Caroline Donoghue

04.01.2022 Just thought I would share why a couple of ladies at CBA (Heidi and Sam) have been so busy.. When they told us they were making 'gift bags' I had no idea of the size of their efforts. Here are just a few of the 500 bags they put together. One week out from Christmas, this is the spirit we can draw on especially this year!

04.01.2022 10 Things to Avoid Before Applying for a Home Loan: Racking up Debt by having multiple credit facilities. Taking on additional large debts such as a car loan Forgetting to Check Your Credit Report as your credit score says a lot about you.... Falling Behind on Monthly Bills. Maxing out Credit Cards. Closing a Credit Card Account. Switching jobs. Spending your savings on a major purchase. Don't apply with someone who has a poor credit record. Splash out with large living expenses. At Living Home Loans we pride ourselves on being able to provide property buyers with advice and help so they can enhance their freedom and avoid losing out on their dream home! Have you got a property dream that we can help you with? Whether you want to save money on your current mortgage, consolidate debts, access extra cash or get a home loan, we can help. Give us a call on 0439 110 255 or contact us today for an appointment.

03.01.2022 Have you ever let a small debt to a utility company, or a mobile phone company lapse and forgotten about it? It may seem like a really minor thing, especially if it is a small amount, but in the eyes of many home loan lenders that is a deal breaker. These are called defaults and they stay on your Comprehensive Credit Report (CCR) for 5 years. YES, FIVE YEARS!! So, if anything is coming to mind to you now then it's probably a good time to get it sorted. Just in case yo...u want to apply for a home loan down the track. Want to find out more about how the Comprehensive Credit Report works and how to ensure you have a good one? Read on . https://livinghomeloans.com.au/beware-small-unpaid-bills-c/ #managedebt #savemoney #creditreport

03.01.2022 Last week our Co-Founder of LHL joined host Annie Kane to discuss how she navigated a new industry, how she overcame the challenges of setting up a new brokerage, and her top tips for those entering the industry for the first time. Being a new-to-industry broker can be daunting, especially if you've decided to set up your own brokerage rather than join a big brokerage brand. But for teacher-turned-broker Kirsty Best, setting up an independent brokerage was eased by the fact that she co-founded her brokerage with her broker husband, Andrew. Read the whole article and listen to the episode below: https://bit.ly/2ZKF2uM

02.01.2022 Thanks Chasity, clients like you make our 'job' so rewarding. What a pleasure to help you to get successful finance and your First Home. Inspirational!

02.01.2022 If the reason behind not investing in property is because you can’t get the deposit together, this is a MUST READ These days there are a tonne of grants available for first homeowners and options for parents to go guarantors. Have you read The Barefoot Investor? We’ve seen tonnes of FHOs who now have ING accounts called Daily Expenses, Splurge, etc etc. These people have knuckled down and done the deed to save the money needed to get over the first line. ... The lowest amount of deposit you will need is around 5%. This will give you a reasonably high-interest rate for one year, but after that one year, you can switch to a fixed, low-rate product. If you can get 8% together, then you have a multitude of options depending on your situation. Your options include guarantors, gifts, grants, and your own savings. Read the full article here: https://livinghomeloans.com.au/we-bust-the-6-common-excuse/ Contact us today and we will happily answer any of your concerns. 0439 110 255 https://livinghomeloans.com.au/about-living-home-l/contact/

02.01.2022 [BREAKING NEWS] Australia's interest rates slashed to history-making 0.10 per cent But what does that mean to the average Aussie?... For many mortgage holders, if your bank passes the full rate cut on and that is an "if" the difference could be saving extra $$$ at the end of the month.

02.01.2022 "Calm, confident and creative in getting my difficult mortgage request across the line. Truly grateful for Kirsty and Andrew's professionalism, communication and work etiquette. They made my dream a reality. Immense Gratitude. " - Chantal Gerardy Was a treat working with you Chantal. To know that we are helping people like you, and including you to fulfil your dreams is truly a wonderful joy for us too. And thank you for the gift!

01.01.2022 Andrew and Kirsty enjoying the AFL in QLD. This was an unexpected treat for us as a result of Covid19. We have been to multiple games in August and look forward to the Grand Final- which is the first time ever that it hasn’t been held in Melbourne. We would love for you to share with us your ‘unexpected treats' during these times. Let us know in the comments below

01.01.2022 What our clients say: "A big heartfelt thank you to Andrew & Kirsty. They helped us with the purchase of our very first home, they went above and beyond for us with a situation that was a little bit tricky. But they did it and in a very timely fashion. In a market that was very tough as a purchaser we finally got over the line with a home that we are so very happy with. They answered all my crazy questions and put me at ease with the whole process, without them we would not ...be where we are today so thank you again so very very much." - Libby #testimonial