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25.01.2022 Sovereign Hills New Land Release Drops Tomorrow! Get your pre-approval sorted so you can secure your dream block - the last stage sold out within weeks of its release. $25,000 New Home Building Grant - find out if you qualify! Plus if you are a First Home Owner pay no stamp duty and receive a further $10,000. Get in touch for a free appointment where we will help you understand the grants available, explain how much you can borrow, how much deposit you need, and access the be...st rates on the market! If you need a FAST pre-approval contact us today via DM or [email protected]

24.01.2022 Property of the Week - Looking for a tree change? This one's for you! https://www.realestate.com.au/property-house-nsw-kendall-13

24.01.2022 Good news for first home buyers with changes to stamp duty for newly-built homes and vacant land. Under changes announced by the NSW Government today, the threshold above which stamp duty will be charged on new homes for first home buyers will increase from the current $650,000 to $800,000. The government forecasts more than 6,000 first home buyers will benefit from the changes. ... Under the changes the stamp duty threshold on vacant land will rise from $350,000 to $400,000 and will phase out at $500,000. The change to the thresholds will only apply to newly-built homes and vacant land, not to existing homes, and will last for a 12-month period, commencing on 1 August 2020. Read more here: https://bit.ly/2CJp63M

23.01.2022 New settlement gifts ready to go for our clients. Lots to go out, it’s been a good month.

22.01.2022 It's a balancing act, and an unfortunate reality of the last few weeks. Banks are asking more questions now, around income in particular, than ever before. The best thing you can do in this market is to get pre-approved before making an offer on a property. The pre-approval process takes care of all this so you know when you make an offer, all you need is a valuation in most cases which is a few days process. This will put you in the driver's seat also as everyone is facing the same challenges, but if you are pre-approved you can bet the agent will be ready to negotiate with you first.

20.01.2022 This week we lodged a home loan application on Monday, had it approved on Tuesday and funded today - Friday. Not all lenders, in fact very few could do this. It wasn't a major bank that's for sure, but that's not the point. You might think, this lender must not have great rates because they can move so quickly. Nope, 2.19% fixed for 2 years, very close to the best rates on the market. ... It all comes down to preparation, that way you put yourself in the drivers seat. This lender in particular wants to see that you can still pay your loan if rates get over 8% per annum! Choice is key and that is why brokers like us exist. Sometimes it's just about finding a lender that will approve the loan and sometimes that means you have to wait, but in our clients case, preparation, providing all the docs the we need and keeping a simple structure meant the process for them was done and dusted within 5 days. A nice way to finish the week that's for sure.

18.01.2022 If you’re going to build a home, don’t bungle the loan. A construction loan (not a mortgage) is the loan you need to build, and choosing the wrong one can delay your build by weeks or even months. Just as moving into an existing home is simpler than creating one from scratch, a construction loan has more processes and complexities than a standard mortgage. Never fear, the experts are here to handle it for you and help ensure a seamless process from the dream to the dream home.... Read about the differences here: https://bit.ly/3k0oBSx See more

18.01.2022 Job keeper payments extended till March but at a reduced amount ... find out more about the changes below. https://www.abc.net.au//changes-jobkeeper-and-job/12476174

16.01.2022 A lender on our panel has dropped the 3 year fixed rate to 1.99% (Investment 3 year fixed is 2.24%) - below 80% LVR A sign of things to come? Perhaps. Hopefully we will see other lenders follow suit in the coming days. For now, check your interest rate. If you want me to review your current rate, or give you some options, shoot me a DM or email [email protected].

15.01.2022 10,000 new places have been announced for the government backed First Home Loan Deposit Scheme. Spend up to $600,000 on a NEW home with only a 5% deposit and don't pay any mortgage insurance. Not all lenders are participating and the allocation of places will go quickly. DM us if you would like to secure your spot.

13.01.2022 2 of these sent out today. Cheesy I know, but it's exciting for both our clients and us! It's worth celebrating this moment.

13.01.2022 The week that was: 1 x refinance, considerably better rate and using equity to buy land 1 x land approval 2 x pre-approval for land and build... 2 x refinance settlements 1 x land purchase settlement 1 x formal approval - purchase of a block of units Best of all: 1 x lunch out, kid free at Whalebone Wharf! Thanks to our amazing customer for getting us this voucher, very much appreciated it. The seafood platter is amazing!

12.01.2022 When first looking at purchasing a block of land, one of the most important things you should ask the developer is what is the site classification. This is often overlooked but can add an absolute fortune to the build costs. Here is a quick breakdown of the most common classification in Port Macquarie: Class S - Slightly re-active Class M - Modertately re-active and by the far the most common classification in Port Macquarie Class H1 - Highly re-active. Will require extra bui...ld works/engineering, speak to a builder to get an indication of cost first Class P - Unknown, best to avoid these ones or at the very least pay for a Geotech report to be done on the site so you know what extra build costs you will be up for. See more

11.01.2022 A list of who is offering rebates this week for refinancing: 1. St George - $4,000 2. ANZ - $3,000 3. BOQ - $2,500... 4. Suncorp - $4,000 5. Virgin Money - $2,500 T&C's and qualifying criteria apply to all of these. Most around the LVR being below 80% and some qualifying industries only. DM us if you want to know more.

10.01.2022 Epic Kangaroo Valley property made from shipping containers. Read more here: https://bit.ly/3f27TQa

02.01.2022 Property of the Week - 9/8 Sherwood Rd, Port Macquarie - $439k 3 bedroom townhouse with bonus courtyard/garden. Great value for first home buyers. https://www.realestate.com.au/property-townhouse-nsw-port+m

01.01.2022 Client Feedback.