Loan Market Geelong in Geelong, Victoria | Financial consultant
Loan Market Geelong
Locality: Geelong, Victoria
Phone: +61 3 5224 2125
Address: 32/34 Ryrie St 3220 Geelong, VIC, Australia
Website: https://www.loanmarket.com.au/brokers/geelong-city
Likes: 840
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25.01.2022 If you’re selling your property, consider covering up any polarising paint choices with fresh, bright white. White reflects the light; is the perfect backdrop for art, and makes it easier for prospective buyers to see themselves in the space.
25.01.2022 What does the Loan Market Geelong team have in common? And nope, it's got nothing to do with chromosomes. We are all super curious. When you work with us, we'll ask you a lot of questions. It's all about getting to know you, so we can work out which loan product is going to suit you, now and for the long-term. (It's also why, even though we LOVE tech, we know it's the human element that guarantees outstanding results. The tech just helps makes the process seamless).... It's amazing how the right guidance can make such a difference to someone's financial situation, and it's our absolute privilege to share our finance know-how with our customers. Here's to a productive week ahead!
25.01.2022 Remember the HomeBuilder Grant? It's a $25k cash injection to fund major renovations or the purchase of a new build. If this grant is something you want to take advantage of you MUST apply by 31 December 2020. Even if you don't have all your supporting documents, get your application in this calendar year and you'll be allowed to provide the additional info at a later date. Applications take around 3 weeks to be processed, and once approved the $25k will be deposited into yo...u account within 5 days. Be aware this is something you'll need to do yourself - your trusted finance professional or conveyancer isn't allowed to apply on your behalf. There are of course eligibility criteria, so get in touch to find out if you might qualify.
23.01.2022 Big gains start with small steps What can you do today that your future self will absolutely love you for? Head to the gym Set up a direct debit to your savings account... Read that book everyone's recommending Ask an expert for help on your home loan;) What would you add to this list?
23.01.2022 Recent PIPA and Ipsos polls show that more and more Melbournians are considering a sea change or tree change. The Geelong property market is set to heat up! So if you're eyeing off your own little patch of paradise - but are struggling to save for your deposit - get in touch and we can help you with strategies to get into your own home sooner. https://www.loanmarket.com.au/brokers/geelong-city/our-team
22.01.2022 Whether that ‘something’ means heading to the gym, setting up a direct debit to your savings account, phoning an old friend orseeking expert help on your home loan. Big gains start with making small steps.
21.01.2022 You know those online calculators that tell you how much the bank will lend you? Seems simple, huh? Almost deceptively simple. Each lender has their own policies on how they judge different sources of income. Some won't factor in your overtime, for instance. Others won't include the earnings from your new side-hustle. So even when your situation seems straightforward, the lenders might view it differently. ... This is one of the reasons why expert guidance from a good broker can be the difference between getting approved for Loan A, versus getting knocked back from Loans A, B and C. Don't go it alone. Get in touch to talk about the best approach to your unique situation. See more
20.01.2022 Thank you BLOOM Inspections for our Easter surprise! Another great year working alongside you, assisting our clients with building inspections! #bloominspections #loanmarket #buildinginspection
20.01.2022 Actually, we like to do both. When you have knowledge on your side, winning is so much more likely, and given we research, analyse and apply for loans day in, day out, we're well-placed to achieve exceptional outcomes for our clients.
20.01.2022 There's a lot to consider when choosing car finance. Here's what to look out for: Are you allowed to make extra payments? Will you be charged for paying the loan off sooner? What are the interest rates? Can you choose the length of the loan?... How long will it take to be approved? Are there any application or account keeping fees? Not all car loans are created equal, so it definitely makes sense to work with the team who works for you (not the car yard, and not the bank).
20.01.2022 The world of finance is extremely competitive, with lenders going to great lengths to get your attention, including offering to pay you cold hard cash, 'just' for taking out your home loan with them. Sure, $4k back in your pocket may seem very appealing but it doesn't mean it's the right loan product for you. Find yourself a mortgage broker who takes the time to understand your unique situation, and who'll help you apply the right strategy to your property aspirations. That's... us. If it works out that one of those cash back offers is the most suitable product for you, then great! But if not, rest assured we've got your back for the long-term and we'll find you something that serves you well into the future. And certainly longer than it takes to spend $4k!
20.01.2022 Wondering where your money went this year? You might be surprised at how much is being leaked on subscriptions, especially the ones you'd planned to cancel within the trial period. Here's your friendly reminder to check your bank statement and do a stocktake of whether you actually need each and every subscription you've signed up for. Even a $39 subscription is $468 over the course of a year, and it makes sense to keep this money in your pocket, rather than donate it to some...one else. When deciding what to keep and what to cancel, work out the cost per use to get a good gauge on whether it's worth it.
19.01.2022 We love this quote. It's a good reminder that there are some things none of us can change. Facts of life we've just got to accept. We then shift our focus back to what we CAN change Not happy with something? Change it.... Don't like the deal you're getting on your loan? We'll help you get one you're happy with. Have a great weekend everyone. Here's to changing what we can!! See more
16.01.2022 Just when you think the conditions to buy your first home can't get any better, the Victorian government dishes us up this beauty: massive stamp duty waivers. We can't wait to help you own your own home! Get in touch to find out how much these changes to stamp duty will save you.
16.01.2022 If you're still renting, you've probably got at least one well-meaning Uncle who asks you "Why pay back someone else's mortgage when you could pay back your own?" We hate to say it, but they're onto something. They're alluding to the fact that buying a house, and making your home loan repayments, builds equity. Equity is the difference between the value of your property, and the size of your mortgage.... It increases as you pay back your loan, and as property prices increase. And this is why buying makes so much more sense to us than renting: because your home loan repayments build your equity - not someone else's. See more
15.01.2022 Cheers to the weekend! In a world where we're always being reminded to hustle, work harder, do more, strive further, it can feel counter-intuitive to make time to do absolutely nothing. This is your reminder to enjoy some soul-restorative quiet time this weekend.... We bet you deserve it! See more
13.01.2022 Another fantastic year working alongside Geelong Property Conveyancing. Thank you for your ongoing support and this amazing The Hamper Emporium goodie box!
12.01.2022 HAPPY EASTER from our office to you!
12.01.2022 We feel so lucky to be living in Geelong and all along the gorgeous Surf Coast. Do we not have the best coastline in the world? A few years ago, scientists proved that living by the water sets off a flood of neuro chemicals that boost our moods, increase blood flow to the brain and heart, and makes us feel more chill Anyone planning to spend most of summer at the beach?
10.01.2022 Dreaming of a place to call your own? Dreams can happen. All you need is smart strategy, precise planning, and disciplined execution. This is where we come in.
10.01.2022 Thank you @nptsgeelong for dropping off some goodies. This will be our lifesaver during a very busy lead up to Christmas
08.01.2022 Nothing like an economic shakeup (to put it mildly) to reassess the kind of work you want to devote your life to. If you're considering going back to study - whether formal or informal - you might be weighing up whether you can afford it. We're huge believers of life-long learning and would love to help you work out a way to fit learning into your budget.... Send us a DM for our free budgeting guide See more
08.01.2022 To get yourself ready to apply for your first home loan, you might want to: Pare back your spending Show you're a good saver Rethink those credit cards... Pay your bills on time Cut out the UberEats, AfterPay and Sportsbet Lenders love it when you know where your money's going. It gives them confidence that you'll pay them back. Get in touch to get started! See more
07.01.2022 There are a few simple steps you can take to set yourself up for success and improve the strength of your home loan application. Contact us to get started.
06.01.2022 Like they say, why pay someone else's mortgage, when you can pay off your own? As a first home buyer there's a lot of support available to help you stop renting, and start owning: First Home Owners' Grant (FHOG) First Home Loan Deposit Scheme (FHLDS) Stamp Duty concessions... HomeBuilder Grant Lenders Mortgage Insurance (LMI) for some applicants Get in touch if you want to get the ball rolling
05.01.2022 The RBA have cut the cash rate (to 0.1%!), so now the question becomes: will the banks pass it on? If you've got a home loan, you'll be just as keen as us to find out which lenders choose to pass the rate reduction to their customers, and which choose not to. Now is the perfect time to look at whether your current bank is really doing the right thing by you. Get in touch if you'd like help navigating to a better option.
04.01.2022 If you're self-employed, it's true: you don't fit as neatly into bank policy as someone on a salary. So if you want to apply for a loan, the bank is going to want to scrutinise your business earnings and outgoings, just as they will with your own personal finances. Don't worry - it's not as scary as it sounds. Especially if you've got a trusted broker on your side, who understands exactly what the banks are looking for.... Get in touch to get started! See more
04.01.2022 Remember when 'experts' were predicting that property prices were going to fall off a cliff? There's always going to be plenty of opinions floating around, so it's worth keeping in mind that investing in real estate is a long game. Where will you be in ten years if you invest now, as opposed to putting it off for another 12-months? Will that dream property still be available? Will you have paid less, or more?... We can't predict the future, but history dictates that investing in property is as safe as...well, houses. This is not intended as financial advice, of course, we do recommend speaking with an expert and doing your own due diligence.
02.01.2022 If you've been thinking about investing in property, you've probably come across capital gains tax. Capital Gains is a tax on the profit you make when you sell an investment property, shares, foreign currencies (and a few other types of assets). So, something to factor in when looking at expected return on your investment. And if all this is sending you to sleep, then make sure you seek expert advice.... We recommend speaking with a good accountant to get a clear picture of the tax implications for you and your business. See more
01.01.2022 It's not just you. The lending landscape is so competitive, that a lot of banks focus on winning new business and perhaps forget about delighting their existing customers. Get in touch with us to review whether your loan is structured the right way and whether you're getting the best possible offer.... We'll then be able to guide you on how to negotiate with your current lender, or advise you whether it's time to switch lenders altogether.
01.01.2022 You know who loves acronyms? Banks. Here are three you'll come across on your home buyer journey: LVR: Loan to Value Ratio is how much you're borrowing compared to the value of the property (and accounting for all fees and taxes). An LVR of 80%, for instance, means you have a 20% deposit to contribute to the purchase once you've paid Stamp Duty and other costs. LMI: Lender's Mortgage Insurance is what protects the bank on the off-chance you default on... your loan before you've had a chance to build up your equity. Generally you'll have to take out this insurance if you have a smaller-than-usual deposit (as you'll be considered a bigger risk). SVR: Standard Variable Rate is the interest rate of a lender's 'standard' home loan. These loan products usually include a lot of bells and whistles, and so will be more expensive than a basic variable loan. Any questions on home loan jargon? Send us a DM See more
