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Loan Market Edge

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25.01.2022 Join us for our last catch up for 2020! Celebrating the year that was and the year will be! From all of us, to all of you, Thank You and Merry Xmas!! #loanmarketedge #weeklywrap #xmasedition #brokersworkforyou Lauren Hall Loan Market

24.01.2022 Happy Easter from our Loan Market Edge family to yours! Stay safe and eat chocolate! #loanmarketedge #loanmarket #easter #happyeaster Lauren Hall Loan Market

24.01.2022 Right now, six or seven banks offer between $2,000 and $4,000 cash back for a refinance, remortgage, or restructure. You can not only take up on the savings that are currently available, but also pick up $2,000 to $4,000 for doing a little bit of paperwork along the way. A client recently came to us with two investment loans for a combined total of $850,000 with an interest rate of 5.1%. Not only was that rate outrageous, but the product was outdated, interest only, not reduc...ing debt, over a payment of about $834 per week. We took that interest rate of 5.1%, back down onto a 2.49%. That's a saving in interest alone of 2.61%, which means $22,000 per year in savings for that client. Tap on $4,000 in cash back, and we're suddenly at $26,000 in the first 12 months of this client. Then, we've been able to realign a strategy working with the financial planner. The principle and interest reductions now are still cheaper. They are only paying $774 per week and we're actually reducing the principal on the loan. It's the saving in interest now, those $22,000 a year, that is paying the loan off. Suddenly, the client is almost $100,000 ahead on a loan in four years because of a switch in structure and some interest rate savings. Chat to us today if your rate doesn't start with a 2! 0401 022 182

23.01.2022 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

23.01.2022 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

22.01.2022 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

22.01.2022 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

22.01.2022 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

21.01.2022 From everyone at Loan Market Edge, thank you for your support and friendship during this unprecedented year. Put your feet up and have a well-deserved rest this holiday season! Let’s catch up in 2021 @laurenhall_loanmarket ... #loanmarketedge #thankyou #bestwishes #happyholidays #merrychristmas #timetorest #staysafe #staysafeeveryone #seeyouin2021 #elfie See more

21.01.2022 . 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

21.01.2022 When it comes to finances, there is one thing you simply cannot buy and that’s good money habits from an early age. Just like riding a bike or learning a second language, some things are just easier to pick up when you’re little. Here are some top tips for instilling good money habits in your kids https://mozo.com.au//how-to-teach-kids-the-value-of-dollar... Grown up already and thinking of investing? Give us a call today. 0401 022 182 #loanmarketedge #kidsandmoney #goodmoneyhabits

20.01.2022 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

19.01.2022 #FeedbackFriday Thank you Jessica for such an amazing review! 100% client satisfaction, that’s what we aim for everyday! With such BIG changes to interest rates and the housing market lately, we want you to feel confident you’re getting a competitive deal. ... Don’t hesitate to give us a call today. 0401 022 182 See more

18.01.2022 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

18.01.2022 Thanks to COVID-19, many banks are offering cash back or refinance rebates. They are usually introduced by banks or lenders to give them a competitive advantage. Many are around $2,000 but we've seen one up to $4,000. Of course it all depends on your situation and these offers are only for a limited time so require quick action. We can help you understand what your options are and if it’s right for you. Give us a call today.... 0401 022 182 #loanmarketedge #mortgagebroker #brokersworkforyou #refinancing #cashbackoffers Lauren Hall Loan Market

18.01.2022 From everyone at Loan Market Edge: we wish you a ! May 2021 bring to you warmth of love, and guide you towards a positive destination. #loanmarketedge #happynewyear #staysafeeveryone #positivethinking Lauren Hall Loan Market

17.01.2022 Yesterday we celebrated 2 amazing milestones in our business. Vicki has now been part of our Dream Team team for 7 years, and Jaja for 1 year. Some of our proudest moments in business revolve around our achievements as a team, as this was another of those moments and a great reminder of just how far we’ve come. Your people are your business! And we couldn’t be prouder of our people! From all us, and from all our clients, thank you both for everything you both do! Now let’s celebrate with more cake #dreamteam #loanmarketedge #celebrate #happyfriday

17.01.2022 Tune in for our weekly wrap! This week we share our highlights from the 2020 Budget and also talk a little bit about the positive signs we are seeing as the banks start to relax a little post covid lockdowns #weeklywrapup #loanmarketedge #yourlocalexperts #budgetsandbeers #whereweremydoritos Lauren Hall Loan Market

15.01.2022 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

14.01.2022 How else do you celebrate 11 years in business.. With donuts of course Another big milestone with our business this month and I couldn’t be prouder! We’ve been through so much together over these last 12 months and have also come so far in 11 years... So grateful for the rockstar team I have by my side and so incredibly proud of the work they do day in, day out!! They are the real Superhero’s here!! Also a big shout out to all of our amazing clients and business partners and also to everyone else that continues to support our business! Bunch of legends!! They say its important to love what you do, and who you do it with!! And this could not be truer in small business! Thank you all and here’s to another massive year ahead!! And more donuts #loanmarketedge #milestone #dreamteam #lovewhatyoudo Lauren Hall Loan Market

13.01.2022 #FeedbackFriday We are thrilled to have been able to assist you in purchasing your first home Andrew and Ainsley - enjoy !! Give us a call if you’re considering investing as well. 0401 022 182... Lauren Hall Loan Market #loanmarketedge #brokersworkforyou #review #happycustomer

11.01.2022 ? Check out this video for tips from our very own Phil Rogers and Lauren Hall Loan Market. If you are thinking about your next move, call us early to explore all of your options... 0401 022 182 #loanmarketedge #covid19 #mortgage #mortgagebroker #property

10.01.2022 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

10.01.2022 The brilliant Lauren Hall Loan Market tells us all about why she became a broker, her TWO national awards and so much more... Read the whole interview here #loanmarketedge #dreamteam #interview #mortgagebrokers ... https://lnkd.in/gAbhS4V

09.01.2022 ? 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

04.01.2022 There’s some good news in the Federal Budget for families and buyers and sellers, including: First home buyers incentives Income tax cuts brought forward Surplus super fees addressed... Full tax deductions for assets for businesses Whatever your property or investment goals, we’re here to help. Simply call or email and let’s discuss how we can support you. 0401 022 182 https://www.loanmarket.com.au//n/what-does-it-mean-for-you #loanmarketedge #federalbudget #taxcuts #superannuation #taxdeductions

03.01.2022 Thank you to everyone that voted for their favorite , and a huge congratulations to our winners - Sophie, Justine & our very own We're so fortunate to have such a strong CSM community and everyone's commitment and hard work through this year has been amazing. We applaud each and everyone one of you for your efforts. Well done ladies, you should be very proud of the role that you play in the Loan Market CSM Community.... Reach out if you need help from our very best Customer Service Manager Michelle! 0401 022 182 #loanmarketedge #dreamteam #customerservice #NationalCSMWeek2020 #winnerwinner #congratulations

02.01.2022 Tune in for our weekly wrap Happy Easter all!! Join us this week as we break down the importance of self employed clients leading into the last quarter of the financial year! Also, don’t forget, Support Local! Let’s all help show local businesses some love this long weekend!! #loanmarketedge #weeklywrap #yourlocalexperts #supportlocal #happyeaster Lauren Hall Loan Market