Michelle Della-Vedova | Financial service

Michelle Della-Vedova

Phone: +61 434 235 496

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25.01.2022 Congratulations again Leonie & Mat!

21.01.2022 The first home owner grant (FHOG) is a one-off payment to encourage & assist first home buyers to buy or build a new residential property for use as their principal place of residence. The grant is $10,000 & only one grant is payable per eligible transaction, so two people purchasing a house together may only receive one grant. If you are a first home owner, you may qualify for the grant if you are purchasing or building a new home. A home that has been substantiall...y renovated may be considered a new home. The grant is not available for the purchase of an established home or for renovations to an existing home. The value of your transaction may affect your eligibility for the grant. The cap on the total value of the home & land varies depending on where the home is located. * South of the 26th parallel value of land and building is up to $750,000. All Perth metropolitan areas are south of the 26th parallel. * North of the 26th parallel value of land and building is up to $1,000,000. If you would like to know what’s available to you as a first home buyer please reach out to discuss. 0434235496 [email protected] Your full financial situation would need to be reviewed prior to acceptance of any offer or product. #financebrokerperth #perthfinancebroker #perthfinance #perthhomeloans #homeloansperth #financeperth #perthbanking #bankingperth #buyingahomeperth #homebuyinginperth #homebuyingperth #financebrokerinperth See more

17.01.2022 Why? Because they can save you time and money As the home loan market becomes increasingly complex, more people are turning to using a finance broker. Here are some reasons why.... Finance brokers can save time The choices now available in the mortgage market can seem limitless and completely overwhelming. You can choose to research the subject, the lenders and their products yourself, or work with a finance broker who already has that knowledge. Finance brokers give you choice All finance brokers have a panel of Lenders from which they recommend a loan. They have to become accredited with the lender to offer their product, and are required to keep up-to-date with their latest offers. Finance brokers can help find the right loan The best deal is not necessarily the cheapest rate. A good finance broker will examine your circumstances and future plans to recommend a loan that is right for you. Having an appropriate loan which works for you can help you to achieve your goals. Most finance broker don't charge you Most finance broker don't charge a fee for their service as the lenders pay them a commission for the loans they write. Most lenders offer the same rate via the finance broker as they would directly, and a finance broker could save you money in other ways. Finance broker can help you avoid pitfalls Many products seem to offer a great deal but they could have penalties, fees and charges you may not be aware of. Or, they may not offer the flexibility you require in the future. A finance broker can help you avoid taking out a loan you might later regret. Feel free to reach out to discuss your options 0434235496 [email protected] Your full financial situation would need to be reviewed prior to acceptance of any offer or product. #financebrokerperth #perthfinancebroker #perthfinance #perthhomeloans #homeloansperth #financeperth #perthbanking #bankingperth #buyingahomeperth #homebuyinginperth #homebuyingperth #financebrokerinperth

10.01.2022 As a First Home Buyer its important to understand if stamp duty will apply and what the parameters are if you are buying an established property or looking to buy land and construct. This can have an impact on the amount of funds/deposit required to complete your purchase If you are a First Home Buyer in WA see below Established properties... Where the value of the home doesn’t exceed $430,000 no stamp duty is payable. Where the value of the home exceeds $430,000 but doesn’t exceed a maximum of $530,000 stamp duty is payable at a rate of $19.19 for every $100 that exceeds $430,000. If your purchase value exceeds $530,000 then you will not qualify under the First Home Owner Rate of Duty and full stamp duty charges will apply. Vacant land Where the value of the land doesn’t exceed $300,000 no stamp duty is payable. Where the value of the land exceeds $300,000 but doesn’t exceed $400,000 stamp duty is payable at a rate of $13.01 for every $100 that exceeds $300,000. If the land value exceeds $400,000 then you will not qualify under the First Home Owner Rate of Duty and full stamp duty charges will apply. If you would like to understand more about what stamp duty charges will apply to your purchase then feel free to reach out to discuss. 0434235496 [email protected] Your full financial situation would need to be reviewed prior to acceptance of any offer or product. #financebrokerperth #perthfinancebroker #perthfinance #perthhomeloans #homeloans #finance #perthbanking #banking #buyingahome #homebuying #homebuyingperth #financebroker

03.01.2022 There is no limit to what we, as women, can accomplish Michelle Obama Happy International Women’s day! ... #financebrokerperth #perthfinancebroker #perthfinance #perthhomeloans #homeloansperth #financeperth #perthbanking #bankingperth #buyingahomeperth #homebuyinginperth #homebuyingperth #financebrokerinperth See more

01.01.2022 When buying a property it’s important to understand the pre & post settlement fees and costs that can be applicable Here is a snapshot for you Building, Pest and Electrical Inspection fees It’s wise to have your property inspected for any structural or electrical problems and for pests (e.g. termites).... Stamp duty Governments charge Stamp Duty to transfer the ownership of a property. Registration of transfer fee The new owner of the property needs to be registered at the Land Titles Office. Legal fees You generally need to pay a Solicitor or Settlement Agent to handle the transfer of ownership of the property on your behalf Home & contents insurance Most homeowners insure their home and contents against a range of threats: burglary, fire, storm, etc. Lenders insist that your property is insured while you have a mortgage. Life and income protection insurance Borrowers should consider protecting their incomes and themselves while they have a mortgage. Utility costs Connecting electricity, gas and telephone can attract a fee. Council Rates Your local council charges rates to cover garbage collection and a host of other services. Water Rates The water corporation charges rates for the supply and upkeep of water to your property. Body corporate fees If you buy an apartment or Strata Titled property, body corporate fees are charged, and some fees can be significant particularly if the building is in need of a major work (e.g. concrete cancer, security upgrade, new hot water system, etc) or if there are lifts, pools and other communal facilities. Maintenance costs Don’t forget to make provision for regular maintenance on your home even if you decide not to undertake significant renovation. #financebrokerperth #perthfinancebroker #perthfinance #perthhomeloans #homeloansperth See more