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Loan Market Edge

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25.01.2022 Nothing says Happy Friday like a Happy Bday! Wishing the lovely Jess a big Happy bday for earlier this week! We hope you had the best day!! #loanmarketedge #birthdaygirl #happyfriday #hapoybday #dreamteam

25.01.2022 As property prices fall around the country, the #GoldCoast is defying trends. The latest figures show an increase in the local housing market, which is outperforming Brisbane. Check out the report by 9 News Gold Coast https://www.facebook.com/watch/?v=2605977796331053... If you need us to run some numbers for you, give us a call, we’re here to help. 0401 022 182

24.01.2022 , These days, during the COVID economy, the majority of our home loan enquiries are coming from two types of Australians, depending on how COVID has affected them. In camp one, there’s those with a home loan whose income levels have changed for the worst. ... In camp two are those whose circumstances haven’t changed or have improved during COVID. They are ready to capitalise on record low rate and government grants. Both camps are in a position to leverage the competition between lenders right now. Some people, surprisingly, still head straight to their existing bank to secure that new loan or refinance a current one. It’s 2020 and believe us when we say loyalty doesn’t pay these days! Yes, it’s possible that the lowest refinance rate, or the most suitable new loan we secure for a client could be with their current bank. But we’re more likely to achieve the right product match by exploring the universe of loans and thoroughly exploring your best interests. There are SO MANY benefits of seeing a broker over a banker! It’s only two letters that separate these two professions, but for you, it could be a costly distinction. Book your free consultation here https://www.loanmarket.com.au/brokers/the-edge/

23.01.2022 Welcome to Spring! This week we talk about both the weather and the market starting to warm up and give some top tips on getting you ready to buy!! #weeklywrapup #loanmarketedge #yourlocalexperts #brokersworkforyou #spring #sellingseason @laurenhall_loanmarket

22.01.2022 Tune in for our weekly wrap! This week we share some exciting news coming live out of the treasury today which is placed to help make home loans easier for Australians! And don’t miss our cashback updates as well!! #weeklywrapup #loanmarketedge #yourlocalexperts #brokerchat #brokersworkforyou @Lauren Hall Loan Market

21.01.2022 JobKeeper has been extended for another 6 months but some things about the scheme will change at the end of next month, and new measures will be required to prove eligibility. Check out all the news here: https://www.9news.com.au//00bc6201-9c50-4aa1-8d0c-512c4ec1... Give us a call if you want a chat! 0401 022 182

21.01.2022 Don’t miss out on the SWELL rolling out until Sunday onto the shores of Currumbin This awesome Sculpture Festival is a Queensland classic! How lucky are we to live on the Gold Coast? ... Check out all the details here https://www.swellsculpture.com.au #loanmarketedge #SWELL2020 #peopleartplace #creativegold #thisisqueensland #currumbinbeach #wearegoldcoast #swellsculpturefestival #sculpture #outdoorexhibiton #artlovers #artforeveryone #gettingartoutthere #community #artsandculture #culture

21.01.2022 ? Lenders are in love with borrowers who show good financial habits, particularly now in a shakier-than-usual economy. Good habits are gold. And it’s never too late to start, even if business is down, your hours have been cut back, or you’re receiving government assistance. We can help you get into a position where lenders still consider you a possibility. ... For check-lists on: - How to get lenders to love you in this strange economic climate? - What can you do if your circumstances have changed during Covid? - What will you need to show lenders if you want a loan this month? read more below Let’s get you on the road to a loan even if this road’s a little more windy! Book your free consultation now: https://www.loanmarket.com.au/brokers/the-edge/ https://www.loanmarket.com.au//how-to-get-lenders-to-fall-

19.01.2022 There is something we’re really proud about at Loan Market: with over 62 lenders to research and find loans and products for you, that’s the second largest panel in the country. It presents such a big opportunity for you, our clients, to have so many different solutions. It gives us the ability to put your bank on notice with three or four other options that are just as competitive, if not more competitive. It's not about changing banks or moving relationships, it happens e...very day that we are getting our clients an even better deal at their own bank! Discover our awesome tool to compare our lowest home loan rates & repayments here https://www.loanmarket.com.au/brokers/the-edge/compare-rates Ready to take that next step? Give us a call, we’re here to help. 0401 022 182 #loanmarketedge #panel #solutionfocused #bestdeal

18.01.2022 . After you’ve saved for stamp duty and a deposit, secured land and loan, the journey of creating a new home averages about nine months - give or take. And just like parenthood, building a home from scratch, the trials and rewards are part and parcel of the journey. You’ll need to find the one (i.e. a reliable partner!), get help, go through labor the juggle is real!... Let your Loan Market broker be your midwife in making this miracle happen. 0401 022 182 Read all about the gestation period for building a new home here https://www.loanmarket.com.au//the-gestation-period-for-bu

18.01.2022 Whether you’re renovating or relocating this year, this $25,000 sum is helping lots of buyers and owners grow their property assets during this pandemic. In the absence of overseas travel, many Australian’s are focusing on property this year, and the HomeBuilder scheme (plus record low rates) has acted as an incentive.... In its first month alone the HomeBuilder program had contributed to an 80 per cent jump in sales of new houses. Based on the most recent statistics we’ve come across, nearly 30,000 Australians have accessed the grants so far. What you need to know is right here https://www.loanmarket.com.au//common-misconceptions-about Want to run a scenario past us? We’re only a phone call away. 0401 022 182

17.01.2022 So, you want to buy your first home? There’s a lot of talk at the moment about different schemes and concessions for first home buyers. And so there should be - who doesn’t love extra $$$? With hard hitting knowledge, you could save thousands of dollars and get into your first home sooner than you think. ... This is where we come in - we can help you understand exactly what you’re eligible for and guide you through the entire process of buying your home, so you know how much you need and when you can expect to get the keys - woohoo! Here are some of the schemes that we can help with: First Home Owner Grant (FHOG) A lump sum of cash from the Government to help you buy or build your first home. First Home Loan Deposit Scheme (FHLDS) Usually, you’d have to pay Lender’s Mortgage Insurance to your lender if you have less than a 20% deposit saved for your home. This scheme lets 10,000 first home owners per year avoid paying any LMI with as little as a 5% deposit. In the 2020-21 Federal Budget, an additional 10,000 places were also announced under the FHLDS (New Homes) for first home owners building or buying a new home - doubling the available places to 20,000. Save on Stamp Duty Stamp duty is expensive. In a lot of Australian states and territories, first home owners could skip having to pay part or all of the stamp duty on their home, saving up to $31,000 - wow! $25K HomeBuilder Building a new home (or substantially renovating an existing one)? If you’re eligible, the Government will contribute $25,000. That’s a lot of money that you could be saving on buying your dream home. And if you’re building? It’s almost $90,000! Coupled with the recent RBA rate drop which many lenders are passing onto customers, now is the time to act. Give us a call, we'll talk about your options 0401 022 182 Lauren Hall Loan Market #loanmarketedge #firsthomebuyers #schemes #savemoney

16.01.2022 Join us this week as we drop the latest on interest rates and what could be Australia’s cheapest interest rate!! We also discuss just how much you could really save by owning a home today!! #weeklywrapup #loanmarketedge #yourlocalexperts #brokersworkforyou #whataboutthatsunset #nofilter @laurenhall_loanmarket

14.01.2022 It's easy to dream of quitting your day job and chase that side hustle or passion project that you've dreamed of pursuing for so many years But what if you don't know what your passion is exactly? If you need help figuring out what motivates you, here are five books that promise to help you think about where you want to go in life in totally different ways. ... If you’ve read one (or all!) already, what did you think? Hit us up with your comments!

11.01.2022 ? There’s a land rush happening across Australia bolstered by grants and incentives, and premium house prices. Lofty property prices - thanks to general scarcity of stock and buyers making the most of low interest rates - and a raft of compelling building and first home buyer incentives have turned the tide on the types of property people are buying in 2020. Vacant land is the new black. The biggest online pr...operty site in Australia reported that interest in vacant land shot up 180 per cent in response to the HomeBuilder scheme, which offers $25,000 to buyers. And it’s not the only incentive in the market. To find out about the tens of thousands of reasons to build rather than buy, read more here https://www.loanmarket.com.au///building-vs-buying-in-2020 Get in touch today to understand your options! 0401 022 182

11.01.2022 #FeedbackFriday Thank you for the kind words Lachlan We're so glad we could assist you with your loan! If you or any of your friends or colleagues would like to discuss your lending options, feel free to give us a call, we're here to help!... 0401 022 182 #feedbackfriday #positive #loanmarketedge #brokersworkforyou

09.01.2022 ? We're currently seeing fixed home loan rates for investors as low as 2.24% which is actually quite a bit below what most of the banks are now offering for owner-occupied. It's important to review your current investment loan and see if you're paying too much.... Book your free consultation now, we'll help you with that! https://www.loanmarket.com.au/brokers/the-edge/

08.01.2022 When taking out a mortgage, many people forget to consider the associated fees and expenses. Here are some of the extra costs that you’ll need to consider when you take out a home loan. Home loan application fees Most lenders charge a home loan application fee. This can range from loan to loan, and covers: - Loan contracts ... - Property title checks - Credit checks - Attending a settlement Mortgage fees and costs - Mortgage establishment fees - Property valuation - Mortgage deed registration with the government - Mortgage stamp duty (in some states) - Lenders mortgage insurance usually required if you don’t have 20% of the purchase price or the value of the property Property fees and costs - Building, Pest and Electrical Inspection fees - Stamp duty to transfer the ownership of a property - Registration of transfer fee at the Land Titles Office - Legal fees - Home & contents insurance - Life & income protection insurance - Utility costs - Council Rates - Water Rates - Body corporate fees If you buy an apartment or Strata Titled property - Maintenance costs Give us a call to learn more about the costs of buying a home, so there are no surprises! 0401 022 182 Lauren Hall Loan Market #loanmarketedge #brokersworkforyou #mortgage #brokersarebetter #housebuying #australiaproperty

06.01.2022 If you are thinking of withdrawing (another) $10,000 from your Superannuation before September 24th, here are a few things you should consider. And if you need advice, give us a call, we can put you in touch with a trusted financial advisor. 0401 022 182

05.01.2022 Considering transforming your home from ‘bland’ to ‘brilliant’, but lack the funds to support your makeover? We’ve rounded up five home renovation finance options that could help turn your dream into reality. 1 Equity Release / Top Up Home Loan This is probably the most common way people borrow money when they want to renovate. ... 2 Construction loan If you're planning to completely transform your home and undergo a major makeover, this may be a good option as you can spread the cost over a longer period of time. 3 Line of credit You can establish a revolving credit line that you can access whenever you want to up to your approved limit. This product feature is great if managed well, but can also be a trap if not seriously considered, as your limit will never change. 4 Personal loan If you’re only making minor renovations personal loans are usually capped at around $30,000 this might be suitable. 5 Credit cards This option should only be considered if you want to undertake really small renovation projects. The HomeBuilder $25,000-grants program is also still active until 31 December 2020 If you want to discuss your options, give us a call now. 0401 022 182 Lauren Hall Loan Market #loanmarketedge #renovation #housemakeover #homebuilder

04.01.2022 This week we chat through some top tips on how to get your home loan approved quicker and also help you understand the importance of a real pre approval in the current market! #loanmarketedge #weeklywrapup #yourlocalexperts #preapprovals #brokersworkforyou Lauren Hall Loan Market

04.01.2022 Tune in for our weekly wrap up!! Join us as we talk through the current timeframes in play if you’re buying a property leading up to Xmas and we also break down some of the crazy interest rates currently on offer with the banks! Are you paying too much? And you’ll get to meet our little office broker mascot too #loanmarketedge #weeklywrap #yourlocalexperts #brokersworkforyou #primosayshi Lauren Hall Loan Market

02.01.2022 Thank you for such positive feedback Craig! We're so glad our #dreamteam were able to help and make it a stress-free experience. Contact us anytime and we'll work together to find the best solution for you. 0401 022 182... Lauren Hall Loan Market #loanmarketedge #brokersworkforyou #review #happycustomer #positivefeedback #clientsatisfaction #feedback #mortgage #mortgagebroker #property

02.01.2022 -. Spring can be the busiest time to buy with the market blooming and properties looking their best. Getting your finance sorted early can help you get in front, giving you the confidence to make an offer quickly.... Book your free consultation here https://www.loanmarket.com.au/brokers/the-edge/ #loanmarketedge #spring #mortgage #mortgagebroker

02.01.2022 We are a family owned business. We are not owned by a bank, nor do we work for a bank. We work for you. And in our business, our focus is simply you. Get in touch with us today by messaging or phoning 0401 022 182... https://youtu.be/HJO6Ek4fJBg #loanmarketedge #mortgage #mortgagebroker #brokersworkforyou

01.01.2022 . Just as moving into an existing home is simpler than creating one from scratch, a construction loan has more processes and intricacies than a standard mortgage. But don’t worry, we are here to ensure a seamless process from your dream to your dream home. Read more about the characteristics of construction loans here ... https://www.loanmarket.com.au//building-a-home-requires-a- Planning on building a castle your way? The sooner you speak to a broker, the smoother the journey. Get in touch today to understand your options. 0401 022 182

01.01.2022 Tune in this week as we unpack 3 of the most common reasons on why you may not be approved for a home loan and how to easily avoid them! #weeklywrapup #loanmarketedge #brokerchat #brokersworkforyou #yourlocalexperts @laurenhall_loanmarket

01.01.2022 A new report by ING reveals almost half of Aussie millennial home buyers say COVID-19 has made home ownership more achievable. Millennials say they have used lockdown to get on top of their property goals. To pursue the Australian dream of owning their own home, they’re changing their lifestyle and re-evaluating where they might want to live If you want to explore what your options may be, give us a call today!... 0401 022 182 See more