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25.01.2022 Need new wheels for some overdue exploring? Demand for used cars is at an all-time high, with COVID-19 putting pressure on household budgets, limiting the import of new cars and decreasing public transport use.* These factors also mean second-hand car prices have held pretty steady. ... So if you're on the hunt for a second-hand car, but don't have the cash to pay up-front, get in touch to find out about your financing options. call 1300 978 051, email [email protected] or DM us. *Source: Moody's Analytics #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

25.01.2022 Online auction tips COVID-19 has changed the world in many ways, and auctions are not immune. Even as the economy opens back up, it seems virtual auctions are here to stay. Here are four tips for securing property in the virtual world:... 1. Familiarize yourself with the process by observing an online auction before you're ready to purchase. 2. Register to bid on the property of your choice. You'll generally need to provide identification, and may need to download an app or permit a hold on your credit card. 3. Make sure your internet connection is stable and fast enough. Have a backup plan. 4. Get pre-approval before bidding. To line up finance before your next property goes under the (virtual) hammer, call 1300 978 051, email [email protected] or DM us. #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

25.01.2022 The spring selling season has sprung! There's always a lot of hype around property in spring - the winter gloom has passed, making properties look better and brighter, and there are traditionally more properties to choose from at this time of year. So if you've got your eye on a spring purchase, call 1300 978 051, email [email protected] or DM us.... #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

25.01.2022 Trend alert: offset accounts It's not exactly the latest Parisian fashion fad, but Aussies have recently been putting more money into their offset accounts than usual.* So what exactly is an offset account? It's a transaction account that is linked to a mortgage account and it reduces the interest you pay on your loan. That's because you only pay interest on the difference between the amount of money in the account and what's left to pay on your mortgage.... Here's an example: say you owe $350,000 on your mortgage, and have $50,000 in a savings account. If you move that $50,000 into a full offset account, you’ll only pay interest on $300,000. Want to know more? Call 1300 978 051, email [email protected] or DM us. *Source: RBA #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

23.01.2022 Are there ways your business could improve cash flow? Poor cash flow typically causes more than half (51%) of all Australian business insolvencies,* and the COVID-19 pandemic has left even more businesses than usual under pressure. But if your business is having cash flow difficulties, there are some financing solutions that can help.... To find out more, call 1300 978 051, email [email protected] or DM us. *Source: ASIC insolvency reports #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan

23.01.2022 What you should know about comparison websites We've all held up the line um-ing and ah-ing over ice-cream flavours, so we know that choice can be overwhelming. Rating and comparison websites can be useful for bigger purchases - like TVs, washing machines and finance products such as home loans.... But while comparison websites can give you a rough idea of what's out there, many make money from showing sponsored links before non-sponsored links, and they usually only cover certain sponsored providers and products. How do we differ? We listen: we explore your financial goals and personal circumstances so that we can offer solutions that put your needs first, not the lenders'. To find out more, call 1300 978 051, email [email protected] or DM us. #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

22.01.2022 Wishing you a Merry Christmas and a happy holiday season! (We've all earned it this year, that's for sure!) From the team loanstudio.com.au... #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

22.01.2022 Been knocked back on a business loan? You're not alone - one in four businesses coping with the fallout from the COVID-19 have had their application for credit rejected by lenders this year*. But don't let it keep you down - there are ways to get your business back on its feet that you might not have explored yet.... To discuss your financing options, call 1300 978 051, email [email protected] or DM us *Source: Sensis Business Index #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

20.01.2022 APPLICATIONS NOW OPEN FOR $25,000 HOMEBUILDER GRANT It’s been two months since HomeBuilder was first announced, and I’m sure many of us spent a bit of that time dreaming about an extra $25,000 to spend on a reno or new home. The good news is grant applications are now officially open. Read more. https://bit.ly/3gXDjsE

19.01.2022 Considering refinancing? Don't forget to prepare for a valuation! Aussies are refinancing in record high numbers at the moment,* which makes it a good time to talk valuations. That's because when you refinance your home loan, your lender will arrange a valuation to estimate what your property is worth. And it's important to be prepared because as many as 1 in 7 home owners* are unsuccessful in refinancing their mortgage because the value of their property has fallen. ... So here are four ways you can prepare for a valuation: 1. Spring clean! Whether you do it yourself, or hire professional cleaners and landscapers, make sure your house's interior and exterior are looking spick and span. 2. List your property’s features: make a list of the best things about your property and give it to the valuer, just in case they miss that newly-installed double garage. 3. Local community developments: share a list of any upcoming community developments, such as a public transport hub or you-beaut bike path. 4. Dig out some paper work: if you have building plans, council rates notices and/or land tax valuations, make them available to the valuer. To discuss refinancing, call 1300 978 051, email [email protected] or DM us. *Sources: ABS, State Custodians #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan

19.01.2022 New granny flat tax exemption Ever looked into building a backyard granny flat for a friend or family member? You might have been put off by the capital gains tax (CGT) implications, but that roadblock is being removed. As of July 2021, CGT will not apply to formal written granny flat arrangements providing accommodation for older Australians or people with disabilities. ... So if that's just the green light you need to dust off your granny flat plans, to find out more, call 1300 978 051, email [email protected] or DM us. #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

18.01.2022 Ever thought about becoming a 'property investor'? It's not as out of reach as you might think. In fact, 43% of Australian property investors own 2-4 properties, whereas 19% own 5 or more*.... So if you've ever thought about making the leap from homeowner to property investor, or if you want to add to your property portfolio, call 1300 978 051, email [email protected] or DM us. * 2020 PIPA survey #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

17.01.2022 Have you had to dip into your savings due to COVID-19? If so, you're not alone. A recent study suggests a third of Australians have dipped into their savings this year due to the pandemic.* Rest assured though there are ways we can help you reduce your monthly expenses, including refinancing your home loan.... If you'd like to find out more, call 1300 978 051, email [email protected] or DM us. * MyState Bank survey #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

16.01.2022 Woah! Get a load of this: 2nd hand car prices have jumped up 25% this year!* There's a good reason for it: fewer new cars are being imported into the country due to coronavirus, which is driving up prices in the used car market. With that in mind, it's never been more important to have us riding shotgun with you when making a vehicle purchase.... That's because with prices so high, it's vital to have us help you secure a super competitive rate on your car finance, rather than relying on what the car dealership is offering. To find out more, call 1300 978 051, email [email protected] or DM us. * Moody’s Analytics price index #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

16.01.2022 GETTING A FOOT IN THE DOOR; WHAT YOU NEED TO KNOW ABOUT THE NEW HOMEBUILDER GRANT As part of the economic response to the COVID-19 pandemic, the federal government's HomeBuilder program provides eligible owner-occupiers - including first home buyers - with a grant of $25,000 to build a new home or substantially renovate an existing home before the end of 2020. It can pay to check if you're eligible and what you'll need to do to apply if you are. Read more. https://bit.ly/3iGEtZS

15.01.2022 Think home ownership is out of reach? Think again! The First Home Loans Deposit Scheme is allowing thousands of young Australians to purchase their first home with just a 5% deposit while not paying Lenders Mortgage Insurance - which can save you thousands and thousands of dollars. 20,000 applicants were accepted for the scheme in rounds 1 & 2, so you won't want to miss out on round 3.... But you've got to be quick - as the places fill up fast. So if you're ready to make your home buying dreams a reality, call 1300 978 051, email [email protected] or DM us. #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

15.01.2022 Quarter of SMEs risk shutdown without support Government income support has been a lifesaver for many SMEs this year, but it won't last forever. Modelling shows 1 in every 4 businesses that have been recieving income support would shut down if that support is removed before market conditions approve.* ... So if you'd like to explore your 2021 financing and funding options, call 1300 978 051, email [email protected] or DM us. * RBA #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

14.01.2022 How to save $25,000 on a new home or renovation The Australian government is currently handing out $25,000 grants through what's known as the HomeBuilder program. It's available to eligible Australians building a new home for less than $750,000, or to those who spend between $150,000 and $750,000 renovating an existing home.... But if you want to take advantage of the scheme, you’ll want to get in touch with us asap as the deadline for the $25,000 grant is Dec 31. Not only can we walk you through how to apply for it before the upcoming deadline but, just as importantly, we can assist you when it comes to applying for finance. To find out more, call 1300 978 051, email [email protected] or DM us. #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

13.01.2022 How to avoid identity theft 1. Limit the amount of personal information you make available about yourself on social media, and don't click on random email links and attachments. 2. Shop online with caution - only provide your payment details to websites that begin with "https". ... 3. Pay attention to your bank statements and regularly check for irregularities. 4. Check your credit report online to see if any new accounts have been opened in your name. If this seems like overkill, consider that one in five Australians have had their personal information stolen at some point.* And if the thieves go on a spending spree in your name - taking out credit cards, and withdrawing money from your account - you could find it mighty hard to take out a loan on your next property. *Source: Veda #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan

12.01.2022 Would you allow pets in your investment property? While you might have some reservations about four-legged tenants, stats show that landlords who allow pets can boost their rental return by as much as 30%.* In almost every Australian capital, the median asking rent for a pet-friendly apartments is higher than for homes that don’t allow pets. ... But what do you think? Would you rent to pet owners? Or do you have a horror story to share? *Domain #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan

12.01.2022 Does thinking about money make you anxious? If 'yes', then don't worry, you're not alone. As many as 73% of Millennials admit that they struggle to prioritise their finances because thinking about money makes them anxious.*... But doing things like exercising daily, paying your bills on time, and knowing how much money is in your bank account can help relieve that stress. * Commonwealth Bank of Australia #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

11.01.2022 Does your business need working capital? You could be in luck - the government has extended (and expanded) the Coronavirus SME Guarantee Scheme to the end of the financial year. The scheme involves the government guaranteeing 50% of each new loan issued to SMEs by eligible lenders. The idea is that this allows loans to be offered more cheaply and more freely" compared to ordinary business loans.* ... So to find out more about the SME Loan Guarantee scheme, call 1300 978 051, email [email protected] or DM us *Source: Australian Banking Association #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

10.01.2022 Did you know there's a global shortage of new cars right now?* That means it's never been more important to have a broker like us in your corner when purchasing a new set of wheels. We can help you arrange a great finance solution for the purchase so that you can negotiate with the car dealership with extra confidence.... So if you've been thinking about purchasing a new vehicle lately, call 1300 978 051, email [email protected] or DM us. * ABC #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

10.01.2022 Want to pay off your mortgage four years faster Increasing your repayments by $50 a week could mean your home loan is paid off years quicker. Now, we know $50 is a lot of money for many people right now, but let's put it this way: by paying an extra $50 a week off the average mortgage ($400,000) you could save $46,992 in interest and pay off your home loan four years faster.* ... Even $20 a week could save you $21,281 in interest and enable you to be debt-free one year and nine months faster. Shout out if you'd like more tips on paying off your mortgage sooner or you want to discuss your refinancing options. We're always available - call 1300 978 051, email [email protected] or DM us. *Source: AMP #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan

09.01.2022 WHY YOU SHOULD CARE ABOUT THE NEW 'OPEN BANKING' ERA ‘Open Banking’ is now officially upon us. But what does that mean and why should you care? Well, in a nutshell, it’ll be easier and quicker for you to get a better deal on banking products going forward. Read more. https://bit.ly/31mNzUO

09.01.2022 . How much do you spends on gifts each month? (let alone Christmas!) $20, $50 or 100? It turns out we're a generous bunch, spending about $100 a month on gifts, let alone the silly season itself!* What we're getting at is this: it's always a good idea to try and budget for gifts throughout the year so you can pay for them outright when the festive season arrives.... That's because you don't want to leave it all to the last minute as the banks don't look too favourably upon buy-now, pay-later transactions (like AfterPay and ZipPay) when you apply for a loan. * Financial Planning Association of Australia #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

09.01.2022 Are you paying .5% more on your home loan interest rate than you should be? Don't settle for less than you deserve! The average existing mortgage holder had a home loan rate of 3.19% in August, yet new owner-occupier customers were offered a rate of just 2.69% on average.*... If it's been a while since you last refinanced then simply get in touch with us today - we'd love to help you save hundreds (and possibly thousands) of $$$ each year. To find out more, call 1300 978 051, email [email protected] or DM us. * RBA #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

08.01.2022 Do you know your home loan interest rate? Here's a quirky stat for you: 1 in 3 mortgage holders has absolutely no idea what their home loan interest rate is at all, while 86% are unable to recall the exact figure (but they're in the ballpark).* Now, we're not into rate-shaming around here, but if you don't know yours, it's a pretty good sign that you're due for a home loan health check.... The good news is it's quick and easy. To get the ball rolling, simply call 1300 978 051, email [email protected] or DM us Source: UBank #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

07.01.2022 What do you think is the best type of property to invest in right now? House, townhouse, apartment, commercial or land? Well, almost 600 Australian property investors recently had their say and 74% reckon the answer is 'house'.*... But hey! More than a quarter would invest their money in the others, so there's no right or wrong answer. If you've been thinking about adding to your property portfolio, call 1300 978 051, email [email protected] or DM us. * 2020 PIPA survey #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

05.01.2022 HOW THE INSTANT ASSET WRITE-OFF APPLIES TO VEHICLES Got your eye on a shiny new vehicle for your business thanks to the $150,000 instant asset write-off? We’ve got the answers to the FAQs many business owners are asking. Read more. https://bit.ly/31lq4vj

05.01.2022 Thank you for your support in 2020! Here's to a happy, healthy and prosperous 2021! From the team loanstudio.com.au... #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

04.01.2022 3 QUESTIONS SME OWNERS SHOULD ASK THEMSELVES BEFORE JOBKEEPER 2.0 JobKeeper is due for a big shake-up next month, which means if you’ve been relying on it to get your business through these rocky times, you need to start planning ahead now. Read more. https://bit.ly/2PTJIcg

02.01.2022 When was the last time you were in tune with the RBA's cash rate cuts? If you haven't looked into refinancing in the last 18 months, then don't miss a beat - now's a great time to do so! There have been six RBA rate cuts since June 2019 - including one on Melbourne Cup Day - meaning you could be significantly overpaying on interest if you haven't refinanced. ... For a home loan tune-up, call 1300 978 051, email [email protected] or DM us. #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

02.01.2022 If you could buy one asset to improve your business in 2021, what would it be? A new van to help your hip new ice cream shop become more mobile? A whiz bang coffee machine to help your barista make more lattes? ... Or a new and improved tractor to help out around the farm? Whatever you've got your eye on, know that you can now immediately write off any eligible depreciable asset, at any cost, up until 30 June 2022. It's called 'temporary full expensing', and it's to help businesses like yours improve cash flow during the COVID-19 pandemic. To find out more, call 1300 978 051, email [email protected] or DM us. #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

02.01.2022 Thinking about downsizing? You're not alone - more than half of Australians over the age of 55 are open to downsizing,* but a common concern is how downsizing might impact their existing mortgage. We've worked with plenty of downsizers and are well aware of the various options that are available when it comes to financing. ... So if you'd like to find out more about making your downsizing dreams a reality, then call 1300 978 051, email [email protected] or DM us *Source: AHURI #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

02.01.2022 BABY, IT'S COLD OUTSIDE; EASY RENOVATION IDEAS FOR YOUR HOME THIS WINTER Wintry weather. COVID lockdown. If you've found yourself spending more time at home these last couple of months, you might be starting to notice the areas of your house that need a bit of a freshen up. And now you've got the time to do something about it. Winter can be the perfect time for the home improvements to enjoy once the weather warms. Read more. https://bit.ly/3fVWrGe

01.01.2022 How long does it take a First Home Buyer to save a deposit? The short answer is around 3 to 6 years, depending on where you want to buy.* If you're just itching to enter the market your best bet is Darwin, where it takes an average 3 years 1 month to save a 20% deposit. In Sydney you'll have to be most patient - waiting about 6 years 6 months to get the cash together. ... But the good news is that wait times are expected to go down, thanks to lower interest rates, reduced investor activity and generous government incentives such as the first home loan deposit scheme. So if you're saving for your first home, to find out more, call 1300 978 051, email [email protected] or DM us. You may be closer to a deposit than you think! * Domain #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more

01.01.2022 How happy are you with your home office? The number of home buyers searching for a home office as part of their next property purchase spiked this year. In Victoria there was a whopping 1107% increase in searches during Lockdown 2.0 in June/July. So whether you're an employee working from home for now, or you're thinking of starting your own home business, investing in a decent home office might make your property more appealing to buyers down the track.... And if you are looking to start your own business, well, you know where to find us when it comes to seeking finance! *Source: Domain #LoanStudio #AskLoanStudio #MortgageBroker #HomeLoan #Finance #Broker #Refinance #SocialHomeLoan See more