Michael Del Monte in Ivanhoe, Victoria, Australia | Property

Michael Del Monte

Locality: Ivanhoe, Victoria, Australia

Phone: +61 408 190 711

Address: Ivanhoe 3079 Ivanhoe, VIC, Australia

Website:

Likes: 224

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• Property
• Mortgage brokers
• Property investment firm

24.01.2022 COVID-19 has caused so many changes throughout the world in a short period of time. If you are fortunate enough to still be employed, now is the time to review your financial situation as there are record low rates across several lenders. If you have been impacted, there are still ways you can better yourself financially. A quick review is all it takes to know if you are eligible to save money on your current mortgage. Please get in touch as this can help significantly in this period of uncertainty. #mortgage #loans #australia #finance #economy

24.01.2022 Is 2018 the year you plan to buy your first property? Entering the property market can be a daunting process, but it doesn't have to be. With the right education & guidance, you will be achieving your goals in no time. Please be in touch for a FREE consultation and receive: - A snapshot of your borrowing power (how much the banks will lend you)... - Guidance on which bank will suit your goals & situation. - A thorough list of brand new properties Melbourne wide. I will personally cover your Real Estate & Finance needs & guide you every step of the way.

23.01.2022 Are you thinking of buying? RBA cuts rates to historic low of 1.25% !

21.01.2022 Congratulations boys! It's been a pleasure helping you achieve this fantastic milestone.

21.01.2022 If you have recently been denied a loan, or were told you couldn't borrow the amount you wanted, you might now be in luck! All news points towards the serviceability floor reducing, and Westpac may have been the first to implement this change. What does this mean in simple terms? Your borrowing power has just increased.

21.01.2022 A wonderful review from a wonderful client. Thank you Ida!

20.01.2022 Thank you Adrianna & Andrew for your recent reviews and kind words! It's been an absolute pleasure to deal with such quality people!

17.01.2022 Significant news. Interest rates to remain at current record low levels for the next few years (at least). Lets hope this helps the economy.

17.01.2022 Did you know: an offset account will reduce the amount of interest you pay? Eg. let's assume your loan is $500,000. If you have $50,000 in your offset account, you will only be charged interest on $450,000 (which is 500,000 minus 50,000). If you're a first home buyer or first time investor and have questions you'd like answered, don't hesitate to get in touch. There are no silly questions and I'm happy to guide you through.

16.01.2022 Thank you Andre for the positive review and congratulations on your great achievement!

16.01.2022 A significant decision see's rates cut to a record low 0.25%. Although a terrible time, it is a good chance to review your current finances and save some money if your rates have crept up without you knowing in recent years. Feel free to send me a message with any questions.

16.01.2022 Is your investment property providing you with maximum returns? Assessing your financial position can help you: - Increase cash flow - Access lower interest rates... - Repackage your finance for maximum benefits - Pay off your home loan faster - Reduce costs by removing unused additional featuers You may also be in a position to expand your current property portfolio. Contact me today to review your situation and maximise your potential in the property market.

15.01.2022 RBA keeps rates on hold again! Over the next few months, keep an eye on any rate movement and be in touch if you'd like to review and determine if your current loan is still right for you. #finance #lending #propertymarket #australia

14.01.2022 Announcement "The RBA has judged that the economy is OK for now and doesn’t need stimulating with lower interest rates" * RBA leaves rates on hold again *

13.01.2022 Quality investment properties or first home. Locations that tick the boxes for capital growth, yield and an ease to find tenants.

13.01.2022 Signs beginning to surface indicating the Melbourne property market may finally be cooling down. Although too early to tell, this might provide some long awaited confidence back to buyers.

13.01.2022 Always a great feeling when you can play a part in your friends big milestones! Thanks Andrew Paine

12.01.2022 Interesting move from NAB today to keep rates on hold despite some recent increases amongst competitors.

11.01.2022 Thank you Kim, it was a pleasure to help!!

10.01.2022 Are you paying too much on your mortgage repayments? When was the last time you reviewed you current loan product? There may be a better offering out there for you, and with access to some great promotional products, now may be the time to get in touch and review your current situation. You could save $Thousands per year and for some, a simple refinance could be the difference with being eligible to buy that next property or not.

10.01.2022 Are you paying too much on your mortgage? Do you know if your current loan product is best for you? A better option might be out there & a simple review is all it takes to answer these questions.

10.01.2022 If you have a spare 45 seconds, please hit the link and fill out this survey. Especially important if you are looking at reviewing your financial situation or buying a property in 2018. https://goo.gl/forms/oNB6yaNKIo3r1vvg1

09.01.2022 Record low rates on hold again.

09.01.2022 Thank you David & Abby. Congratulations!!

08.01.2022 Want to find out your borrowing power? Please contact me to discuss. It is so important to understand this figure to be able to not only establish a budget, but give yourself the best chance to purchase a property. Being able to put in an unconditional offer enables you to: A) bid at auction confidently and B) put in a competitive offer during private sales/pre auction... Very often we see vendors accept an unconditional offer over a conditional offer (eg. subject to finance) EVEN WHEN the price is lower. Put yourself in the best position when looking to buy. Get a pre-approval today.

08.01.2022 Thank you for your kind words and selecting me to assist! It has been a pleasure working together.

07.01.2022 Some changes to lending in the coming year In the period just after the GFC in 2008, some Lenders and LMI providers made changes to LVR (loan to value) forcing ...reductions or completely blacklisting some postcodes. Most lenders also began including buffers and closely checking spending habits as a precaution as an additional precaution. The same will happen again given that we are now in a recession and it is only a matter of when and not if. ANZ has been named in the AFR article below, but before you go all pitch forky... they wont be the only ones. More will follow (if they havent quietly done so already). As a guess, the following might happen: LVR reductions either by the Banks themselves or by the LMI providers for certain postcodes. Meaning Banks will simply say if you don't have enough of a deposit you cannot buy in that particular area (usually 20% deposit) Valuations to fall short as Valuers will look to protect themselves by being conservative in certain areas Your income history and working industry will never be more important in an application. Your savings history and spending habits will be examined a little more to make sure you display good habits and organisational skills in your day to day life Overall we will see even more changes to a forever changing industry as banks look to protect themselves from further losses due to the GFC. There has never been a more important time to speak to a professional about your finances as we can explain how and why a bank sees you the way they do, and what can be done to improve that image. https://www.financeandcoffee.com.au//asx-rises-despite-ann

07.01.2022 Seasons Greetings!

06.01.2022 Attention property investors..

05.01.2022 Rates have never been as low as they are now. When was the last time you reviewed your mortgage & repayments? There are some incredible offers at the moment which could save you $ significantly $ If you want to find out how much you can save per year, please be in touch for a quick review.

04.01.2022 Have you set large goals for 2019? If buying a property is one of them, be in touch and we'll help you tick it off! #finance #mortgagebroker #lending #australia #melbourne #property

03.01.2022 A property with plenty of potential...

02.01.2022 APRA has finally enforced change! This is great news for all looking to purchase property. Lending conditions have loosened, giving your borrowing power a big boost! Please get in touch if you want to know what this change means for you.

01.01.2022 RBA keeps rates on hold for the 19th consecutive meeting. #News

01.01.2022 Variable interest. Fixed interest. Split loans. Positives of Negative gearing. Sound confusing? It's actually all quite simple when someone takes you through the process. DM or email me with ANY questions you might have [email protected]

01.01.2022 Announcement "The RBA has judged that the economy is OK for now and doesnt need stimulating with lower interest rates" * RBA leaves rates on hold again *