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MJ Financial Chiefs

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24.01.2022 HomeBuilder Grant Changes The HomeBuilder Grant has been extended for building contracts entered into from January 1st 2021 until March 31st 2021. The Grant has also been reduced from $25,000 to $15,000 for this period of time. ... See below for specific details of the changes, or contact us if you think you could benefit from these changes. https://treasury.gov.au/coronavirus/homebuilder

20.01.2022 Jordyn Purchases a New Car Jordyn came to us in December last year wanting help to finance her new car purchase. Initially we wanted to get the application organized for Jordyn to pick up the car quite quickly but due to covid impacting car supplies in Australia, this was delayed, and she had to wait patiently for 6 months for the car to arrive. We are very excited to see how happy Jordyn is with her new car now and it has been our pleasure helping her get the required finance. #assetfinance #mortgagebroker #financialadviser #Carloan

19.01.2022 Restructuring & Refinancing with Fredo Fredo contacted us with a plan to refinance and restructure his home loan so it reflected his current situation. We were able to get him in contact with one of our trusted Conveyancers to help with the restructure as well as refinancing to a bank with a much lower interest rate. Unfortunately, Justin was not in his Chief gear for the photo but Fredo insisted that we still take a nice selfie to reflect on the relationship between Broke...r and Client! From our perspective, it has been a pleasure helping Fredo restructure his loan and we look forward to working with him in the future whenever he needs our services. If you would like to refinance, restructure, or simply need a conveyancer recommendation please get in contact with us and we would be more than happy to help you out. #refinance #restructure #homeloan #mortgagebroker

19.01.2022 *NEWS* The federal government has extended the deadline to begin construction under the HomeBuilder grants program by an additional 12 months. Those who were eligible for the grant before its March 31 will now have 18 months after signing contracts to commence construction.... Feel free to contact us if you would like more information.

18.01.2022 Congratulations Cam Petrie and Lisa on Buying a home together! When we started talking to Cam and Lisa buying a home was not something they had at the front of their mind specifically. They knew it was something for the future but they wanted to talk about structuring their finances, work and business in general and how this would affect their situation if they did want a home loan down the track. Sometime after we worked through these details together, Cam and Lisa dec...ided that they were ready to buy a home and we set about organising a pre-approval. We spent time discussing the structure of the loan as they had a few options and we settled on a smaller lender that had a low interest rate and would allow them flexibility with their repayment. We are very happy to have helped Cam and Lisa purchase this home #mortgagebroking #finance #clientfirst See more

16.01.2022 SCAN ME Chiefs are moving with the times!

15.01.2022 We are excited to see both Jackson & Alexandra moving into their new home! We met up with Alex & Jackson in May 2020 as they first embarked on their journey to build their first home. It is now June 2021 and they have just moved into their new place, and we are absolutely stoked that we were able to make another young couples dreams come true! Building can be a long-drawn-out process, in this case 12 months but we were able to guide Alex and Jackson through paperwork, appl...ications and never-ending questions from the bank and builders. Due to COVID we had to navigate a completely contactless process. We caught up in the beginning to answer all questions about the process and any concerns from the family but moving forwards were able to complete everything over phone and email. We were able to take advantage of multiple First Home Buyers grants on offer including the First Home Loan Deposit Scheme meaning they would pay no Lenders Mortgage Insurance and receive a rate of 2.99% with a minimum deposit. We enjoyed working with you both and we hope that your experience was just as good as ours! Congratulation! #firsthomebuyer #noLMI #stampdutyconcessions #homebuildergrant #mortgagebroking #finance #firsthomebuyer #clientfirst

13.01.2022 Never to young to buy a house! #littlechief #littleship #happyeaster

13.01.2022 Congratulations Sam Wyatt and Tommy Wyatt on beginning to build their first home When brothers Tom and Sam came to us, they had already invested in a block of land which was due to title in a few months. They were still in the process of finalising the construction documents but wanted help gaining finance to build their home. After running through their situation, we were able to map out a plan of when we would need to put the application in to meet the finance clause a...nd maximise their eligibility for the grants on offer. As a First Home Buyer who met all the requirements, they were eligible for the $20,000 First Home Owners Grant, and for the $25,000 New Home Builders Grant along with paying no stamp duty. If the boys are this excited to own the land, we can’t wait to see what pictures they come up when the construction is complete. #firsthomebuyer #land #build #fhog #exciting

10.01.2022 Congratulations to Lucas Ligt and Jess on buying their first home! Lucas and Jess came to us for help when buying their first home. Hearing about all these new government grants and concessions that first home buyers are eligible for, they got in contact with us to lock in a spot on some of the schemes. We straight away set about working through their borrowing capacity and different lending options together giving them a budget on their maximum purchase price. We had ...to consider that Lucas is self-employed and they needed a bank that offered First Home Loan Deposit Scheme (FHLDS) spots while trying to find the lowest interest rate available. Once we had settled on the best lender we begun the application to make sure they secured a place on the FHLDS which allowed them to pay no Lenders Mortgage Insurance (LMI). In the 3 months that they had their pre-approval in place, this home popped up for them and they were able to make an offer confidently knowing their finances were organised. It was great to be involved in the process with Lucas and Jess in buying their first home and are glad they are enjoying being in there already #firsthomebuyer #FHLDS #noLMI #stampdutyconcessions #mortgagebroking #finance #clientfirst See more

09.01.2022 Victorian Budget 2020-21 Announcements for Home Buyers Summary: - 50% stamp duty discount for new residential properties and 25% for existing residential property purchases up to $1M. ... (For contracts entered into from 25/11/2020 until 30/06/2021) - $20,000 First Home Owner Grant in regional Victoria extended until June 2021 For more details see the attached link or contact us at [email protected]

06.01.2022 A couple of future clients in their new merch Please send in your pictures #Chiefs #nofilter... www.shop.mjfc.com.au

05.01.2022 FHLDS (New Homes) extended for 2021-22 An additional 10,000 FHLDS (New Homes) places will be available from 1 July 2021 to 30 June 2022. Family Home Guarantee The Australian Government has announced a new program called the Family Home Guarantee, which provides eligible single parents with dependants the opportunity to build a new home or purchase an existing home with a deposit of 2 per cent, subject to the individual’s ability to service a home loan.... From 1 July 2021, 10,000 Family Home Guarantees will be made available over four financial years. Contact us if you think you will be eligible and want to take advantage of these new grants on offer.

04.01.2022 Did you know by securing an interest rate which is 1% lower than your current rate, you could save a tremendous amount of money in just 3 years! Contact The Chiefs www.mjfc.com.au

03.01.2022 Congratulations Lewy on moving into your new home! Building a house can be stressful, especially when you have never done it before! Lewis first got in contact with us in early July 2019 with the dream to build his first home. It is now May 2021, and he has just moved into the new fortress and we are so proud to have guided him through the paperwork and the banks every demand to get him to where he is today. ... Just like any new home buyer we went through his situation, what he wanted to achieve and completed an assessment of how much he could borrow. From there it was time to start looking for some land and a house that he wanted to build. We were able to liaise with his builder from the start to ensure everything was structured in his favour. This included negotiating when his deposits would be required and answering any questions the builders had to save Lewis the hassle. Fortunately, we also were able to maximise his eligibility for the grants on offer and the rest is history! Thanks Lewy, we hope you have enjoyed working with us as much as we have enjoyed working with you. Congratulation’s mate #firsthomebuyer #noLMI #stampdutyconcessions #homebuildergrant #mortgagebroking #finance #firsthomebuyer #clientfirst

01.01.2022 Mick & Mariah landed their own bit of soil After months of searching far and wide Mick and Mariah took a leap and bought some land close to the sea, where they plan to build their forever home! We have been working with the couple for several months while they were searching for the perfect spot to live out the next stages of their lives. Fortunately for them they managed to find a little gem of a spot in a completely different part of the world to where they were first lo...oking. From our perspective, it’s been a pleasure helping Mick and Mariah get their loan and we look forward to seeing the final result of the construction in the future. For those who are thinking about building the Government have extended the HomeBuilder Grant for building contracts entered into from January 1st 2021 until March 31st 2021. The Grant has also been reduced from $25,000 to $15,000 for this period of time. Contact us for details.