Loan Select Cairns in Cairns, Queensland, Australia | Mortgage brokers

Loan Select Cairns

Locality: Cairns, Queensland, Australia

Phone: +61 7 4041 0855

Address: 25 Sheridan St 4870 Cairns, QLD, Australia

Website: http://www.loanselect.com.au

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• Loan service
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25.01.2022 Monday is as good a day as any to start...

24.01.2022 Telstra & NBN Now Beyond A Joke They have cut off our land line again, so please if you need to contact us do so via the mobile 0419787766. Well come back to you when we are back on. Sorry for any inconvenience.

24.01.2022 Thanks to my dear friend Elaine, from Weller Art, Brisbane for the great paintings that now grace my office. Thanks too for the present. Your parrot has found a home on my desk.

23.01.2022 Our March Newsletter Has Hit The Stands Well the letterbox and email in boxes. If youd like a copy, pop me a private message and Ill send you one.

23.01.2022 Phones Back On Again This time only took a couple of hours to get Telstra to put our land lines back on. Lets hope they do what they are meant to, so that they do not cut us off again.

23.01.2022 Hi All We are back to normal with our phones. You can get to us via the office number as well as the mobile. Dealing with Telstra and NBN is a hassle that is not needed. Chat soon.

23.01.2022 Attention Everyone Call Us On 0419 787 766 as we have been done over by Telstra and NBN. Total extortion by them both to use them. If you have been having trouble getting to us on our land line please use the mobile, 0419 787 766, as, with out any notice, have had our landlines cut off, despite being told by them and our landlord that Telstra could not connect our landlines via the NBN. Please share this post with any one you know who might need us and cannot get through. Will let you know when we are back up.

22.01.2022 Believe In Your Own Success "Your level of success is limited or unlimited by your own level of belief, faith, hope and confidence in yourself."

22.01.2022 Its one week to Christmas day and Santa Says... ..."Dont Get Your Tinsel In A Tangle". Wise words from the Ho Ho Ho man. Wishing everyone an untangled tinsel week getting ready for the big day. Enjoy.

22.01.2022 If you own a home make your you protect it. Heres an article in this months newsletter about protecting your most valuable physical asset: Protect Yourself By Having Sufficient Insurance Cover For Your Home... Our cyclone season has been a bit of a fizzer so far this year, lets not be complacent though and make sure we are always ready to reduce the risk of disaster by having sufficient home insurance cover to protect our biggest asset. So what is sufficient insurance cover for your home? The amount you insure your home for is known as the sum insured. Most insurers ask you to nominate a sum insured, and its important you get this right or you may find yourself out of pocket if disaster strikes. The main thing to remember is that your home building sum insured should be sufficient to build your home again if you had to at todays prices. Your sum insured does not include your land, just your home itself, and is not the amount you owe on your mortgage. When calculating your entire rebuilding cost, take into account all fixed items, such as built-in wardrobes, kitchen and bathroom cabinets, tapware, light fittings, fixed awnings, fencing, garages and sheds, in-ground pools, ponds and fixed pumps. A good rule of thumb is to include anything you wouldnt generally pack up and take if you moved. Check with your insurer if unclear whether an item comes under home building or contents. Some insurers do the math for you and offer total replacement building policies. They assess what it would cost to build your home today and charge an appropriate premium. So have you recently reviewed the amount you are covered for? If not it might be time to have a look and give yourself peace of mind by making sure your cover reflects todays rebuilding costs.

22.01.2022 The Tourists Are Coming in Bigger Numbers - More Please. Passenger numbers through the airport are on the up according to the latest figures from HTWs Market Watch. This is only good news for our economy. All are welcome.

21.01.2022 Here's A Way To Have More Fun

21.01.2022 Thank Yourself Later

20.01.2022 A big thank you goes out to Leslie for her kind words. Enjoy your new home and we look forward to helping you in the future on any thing to do with your home loan. "I have applied for and obtained four mortgages through Loan Select. Both David and his staff have been marvelous through the whole procedure. I have been kept in the loop all the way through from the start of the procedure to completion, when I was able to move into my new property. I have nothing but faith and praise in the way Loan Select has handled my varying situations."

19.01.2022 Thank you Jake for your 5 Star Google Review. Am glad that I have been able to help you and look forward to doing the same in the future.

19.01.2022 Interest Rate Update - Cash Rate Dropped By 25 Basis Points How does this affect the average mortgage holder? Here is a table showing how Australias average mortgage sizes may be affected, if the banks pass on the full amount. To find out how this drop will affect you or to simply review your current finance arrangements give me a call.

18.01.2022 Make Monday A Positive Word

18.01.2022 Heres a simple recipe for a good life. "A good life is when you smile often, dream big, laugh a lot, and realise how blessed you are for what you have."

16.01.2022 Heres A Way To Have More Fun

15.01.2022 All the best for a wonderful, enjoyable Christmas day to you and your family and friends. Enjoy and take care. Cheers Dave, Cheryl and Diana

14.01.2022 If the box is stopping you achieve - get rid of it.

14.01.2022 Thank you Ekkehart and Marion for your 5 Star Google Review. It has been a pleasure helping you all these years.

14.01.2022 Have a Merry Christmas and a Happy New Year. Stay safe and catch you next year. Warmest Regards, Dave, Cheryl and the team of Loan Select Cairns

14.01.2022 What are you choosing as of Monday?

12.01.2022 Mondays Count Too

11.01.2022 Why Persistence Pays Dividends

08.01.2022 "Nothing Great Ever Comes That Easy" How true. But if you put the effort in it does come your way.

07.01.2022 Surround Yourself With Believers In Your Greatness - Start Tomorrow

07.01.2022 https://www.change.org/p/federal-treasurer-josh-frydenberg- The Royal Commission report is out and we have done the maths. The changes the government want to do to how we are paid will devaste our ability to carry on. As you know, we have always looked after customers first and cutting our income that the bank pays us (not the customer, which Commissioner Hayes wants enforced, so, banks get richer and if you want to use a broker for help, the fee comes out of your pocket. We are uncomfortable with this as we have been a free service to our customers for the last 19 years). Please help us so we can continue to help you. Below is a petition that you may want to assist as with to go to the Treasurer. Thanks Dave and Cheryl

07.01.2022 Been a very interesting month, never seen anything like this before. I am still seeing customers by appointment otherwise I am in and out of the office. Trying ...to do as much work from home. If you would like to have an appointment, please ring my mobile 0419 787 766 and lets make a time to get together. The main thing is to keep safe and we all come out of this together. Take care and please call me if I can be of any assistance. Regards, Dave See more

07.01.2022 Do You Have A Mortgage? Then this article from my latest newsletter is a must read: 5 Things You Need To Do To Beat Tough Lending Policies When Refinancing Your Existing Mortgage... There are a number of reasons that you would refinance, other than selling and buying another home. Including, renovating, purchase an item such as a car, consolidate debts, divorce, stretched budget, and others. Recently we are seeing the banks be much tougher in their lending policies for these situations and are declining many requests, where before they would have been approved. When refinancing, or asking for a top up, (which in the eyes of the banks amounts to the same thing) you end up with a completely new mortgage in most cases, requires you to present a completely new application for a mortgage. You are required to detail your present financial circumstances so that a reassessment of eligibility can be undertaken. To avoid being declined here are 5 best practice money management tips to follow before you request a refinance: - Have a clear repayment history with all your products that you have with your bank, your mortgage, credit cards etc. Make sure they are paid on time and as required every time. - Keep all your credit cards in order, dont go over your limit or have missed payments noted. Prioritise this as it is especially important if you are looking to consolidate your credit card debts into your mortgage. - Keep number of short term personal loans to a minimum. As these loans usually have a high monthly repayment amount they have a significant negative effect on your repayment capacity when looking to refinance. - Dont make numerous enquiries with lenders, especially payday lenders such as cash converters, as each enquiry is recorded and the bank looks at your financial management ability in a very negative light as a result of these enquiries. - Dont wait until the last minute to make an application for refinance, as the banks are not the fastest at giving you an approval. This is especially vital if time is limited on say a purchase, or your budget is becoming stretched, act well before it is near breaking point. Regardless of the reason for refinancing you will need to have equity in your home, i.e. spare value in your home against which to borrow further. And note the banks are only lending up to 90% of the value of your home, this will determine the amount they will lend you. Of course the present value of your home will determine the actual amount of extra borrowing you can obtain. So your first step when refinancing is to get an idea of its value, thats easy, call me, Ill arrange a valuation estimate for you. And of course if you find yourself in this situation give me a call and I will work out what is possible and arrange it all for you.

05.01.2022 Wishing you, your family and friends a year full of happy days. All the best Dave, Cheryl and Diana

04.01.2022 Some Laughs For Easter From Our Latest Newsletter

04.01.2022 Happy Easter Everyone Enjoy the weekend and for those of you going camping hope it stays dry - if not, that you can retreat to this kind of tent LOL

03.01.2022 Life Is Full of Change - You get to choose to change it. "Your situation is never permanent. It is what you make it. Life is not solid, it is fluid. It changes."

01.01.2022 Every Day Is A Special Occasion Day - Even Monday