Money Buckets in Kincumber, New South Wales | Mortgage brokers

Money Buckets

Locality: Kincumber, New South Wales

Phone: +61 1800 825 010

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25.01.2022 Save for an emergency fund before you tackle your debt. If you use your money to pay off your debts and not save, the moment you have an emergency, you are likely to get back into more debt... and so the cycle continues.

24.01.2022 Australians still have record amounts of unsecured debt .... but it doesn't have to be this way. There are options available for reducing that debt and getting it into a payment arrangement if you are struggling. a payment plan you can afford. Ask us how today @ Money Buckets - 1800 825 010. Snowball, Avalanche, Snowflake ... anyone would think it was Christmas! These are all good methods of repaying your debts, but which one is right for you? And while credit card debt is now lower than pre-Covid in Australia, there's a significant increase in Buy Now Pay Later options which sound good, but can sting you with late fees and default fees. Do you need some help in managing your debts coming up to Christmas? There's never been a better time to get sorted. What have you got to lose but your debts!

24.01.2022 Lenders make it easier to refinance and do debt consolidations online. We now have advice that we can use a video conference call as a genuine face to face meeting. So getting all the advantages of a Money Buckets broker looking at your finances and finding the right deal for you is now available on your computer. If you are confined to home, what better way to use the time than getting a review of your finances and making sure your loans and finances are on the best rates a...vailable and that debts are under control and consolidated into payments you can manage. Call Money Buckets on 1800 825 010 to book in a video call

24.01.2022 Investors are locking in Rates! If youve got an investment loan maybe its time to take a look at fixing that rate, especially if you are not looking to sell in the next 2 or 3 years. A couple of lenders have offered fixed interest rate investment loans from 2.49%. With the risk factors of reliable rental income and employment concerns of landlords and tenants the timing may be right to lock away a fixed rate. Variable rates are also falling between 3 and 4 percent. It costs nothing to get Money Buckets Financial Solutions to review your Home and Investment loans to see if this could suit you. Call 1800 825 010 or go to MoneyBuckets.com.au to send a message

23.01.2022 Tara and Jake were told they could only borrow $250,000 for a Home Loan. They came to Money Buckets for advice ..... It was a quick call to 1800 825 010 and a few minutes of their time. When we connected with Tara and Jake, we took a look at their Credit Cards and Car Loans and could see that their borrowing power was being eroded by too much available credit. The 1st step was to consolidate all those debts into 1 Personal Loan, giving them more money in their budget to ...save that deposit. Money Buckets was then able to get them approved for a Home Loan of up to $700,000 to go find their New Home. Tara and Jake found a great place, and are looking forward to getting those boxes packed and moving in 6 weeks! If this sounds like you, give us a call on 1800 825 010 for a quick chat, we can even organise a Zoom call to answer any questions you and your partner may have about borrowing for your 1st Home

20.01.2022 Friends, Relatives and your work mates just dont know about Debt Solutions. If they dont have the experience dont listen. If they havent been in your position they just dont understand. There is way too much financial snobbery and misinformation about for uninformed and inexperienced people to offer advice. People you have never been in Debt Stress and have never had a financial problem can be less than helpful. What we often find is that our clients have been adv...ised by well meaning friends a strategy which is at best just plain ignorant or at worst financially dangerous. Unless you are being offered the money to fix the situation without having to pay it back, be very careful. Often friends and relatives offer loans in good faith, but without realising that it is going to take a long time for you to repay this money. When you cant afford to pay it back quickly or when our relatives or friend demands that money back because their situation has changed the problem is now much bigger. There can be bad blood, friendships lost and then 2 people could be in financial trouble. We see many people offer to make payments to creditors that they cannot afford, and some who are too overwhelmed and do nothing. Neither of these solutions will help you to a better future and will not give you some quality of life now. If you are in a bad position, it will take time to put you back to square One credit wise. But having a solution in place relieves stress and allows recovery to take place. You then wont have to discuss your situation with your friends, relatives and work mates. You can think about better things. Get the right advise. Call Money Buckets 1800 825 010

19.01.2022 What happens when I am in a Debt Agreement? Life proceeds pretty much as normal without the stress and the hassles. Your payments will continue to come from your nominated bank account and will automatically stop when the agreed Debt Agreement amount has been reached. While you are not out of debt straight away, you are now on your way to that point. You wont be able to borrow money for 5 years, so dont ask, but we do suggest you set up a Visa Debit card, so you can h...ave the convenience of a card for online payments or shopping, only this time you will be using your own money. If you have loans for cars or homes your payments should continue as normal from you bank accounts. For more info on what will happen and how to be best prepared for your future take a look at our article: https://moneybuckets.com.au//what-happens-once-I-am-in-a-d

19.01.2022 What better time to change your financial future than in the new year? Set your intentions for 2020. With focus comes clarity and success. Be sure to set smaller realistic goals that will help you achieve bigger goals.

18.01.2022 Aaah time to take a break - have you got something special planned for this long weekend?

18.01.2022 You must really love your Boss. I mean you spend all your time thinking about how to make your boss money and no time planning your own Finances. You do late hours preparing presentations, doing budgets for your Boss, trying to get that deal over the line, making him money. Yet how are your finances doing? Hows your Home Loan, are your credit cards costing you a fortune? Maybe instead of doing too much overtime you are not getting paid for, put some time and energy i...nto a presentation for yourself. Put together all your income, your budget and all your debts and see if Money Buckets can do an extraordinary deal for you. Take a look at these possibilities: * $500,000 Home Loan @ 4.5% interest = $22,500 * $40,000 in credit cards @ 15% interest = $6,000 * $30,000 personal loan @ 13% interest = $3,900 * $50,000 car loan @ 10% interest = $5,000 The interest only on these loans per year equals $37,400! If you have the correct equity in your property, a refinance of debts into a home loan set up @ 2.79% would be $17,298 - thats a tax free saving of $20,102. Or equivalent to a pay rise of around $32,000. With a little tweaking all your debts could be rolled into your new home loan and you could be enjoying that extra cash each and every day.

17.01.2022 Loan to value ratio (LVR) is a term used by lenders. It is simply the size of a loan compared to the value of a property expressed as a percentage. For example, $480,000/$600,000 = 80% LVR. PM or call us to find out why the loan to value ratio matters.

17.01.2022 Gain Financial Control with Unlimited Debt Consolidation. - Do you Qualify? "Money Buckets help me consolidate multiple debts into my home loan at 2.19% fixed interest rate for 2 years. My bank wouldnt do it. They said I had too many loans" What do you need:... * Sufficient equity in your property * Stable work history * On time repayments * Ability to demonstrate serviceability If you dont qualify for this option, for example you may have tax debts, you may qualify for a different option, a different lender. To improve your Financial Position Call Money Buckets 1800 825 010

16.01.2022 You can be poor making $120,000 per year but rich making $60,000 per year. It is your spending habits and lifestyle choices that make the difference.

16.01.2022 Got FOMO? Fear of Missing Out on a Home Loan? If the bank has said NO, its not the end. Download our Has the Bank said NO brochure. https://moneybuckets.com.au/specialist-home-loans... Phone us on 1800 825 010 and talk to a specialist mortgage broker who may have some solutions for you

16.01.2022 On this last day of 2019, we suggest 5 good habits for your financial success in the new year. 1. Automatically save before you spend 2. Track your expenses 3. Eat out less - meal plan ... 4. Dont compare yourself with others 5. Tackle debts with the highest interest rates or smallest balance first - choose the right option for you to stay motivated to pay down your debts. See more

16.01.2022 While credit card bills are arriving and things are changing you need to look at your budget & ensure youve got all your expenses covered. Get in early and its easier to fix. Feb brings a lot of changes. Tools, Help and Answers are available at MoneyBuckets.com.au

15.01.2022 No need to leave your house We have made it as easy as pie to find the best mortgage interest rate for you. Just send us a message on Facebook and well show you how easy it is. Hint: you dont even have to leave your home. This is a free service Money Buckets provides so you really have nothing to lose by contacting us

13.01.2022 Get Help - not a Loan! If you've got debts that you're struggling to pay now, why would you get another loan? Why get into more debt? Payment Plans are available that let you pay down your debts at a payment amount that you can afford! ... Do you want to know how to get something sorted for your debts? How to get back on top of your finances ... it's as easy as making 1 phone call - 1800 825 010

12.01.2022 All you have to do is click the image below, answer a few questions and you will have 2 entries in under 2 minutes

12.01.2022 Hurry - today we lose an hour of our day. With Daylight Saving we jump forward 1 hour into the future. 1 hour less to sleep 1 hour less to eat 1 hour less to spend your hard earned cash... 1 hour less to procrastinate So quick hurry, there's only time (and bad debts) to lose ... give us a call while you can. 1800 825 010 or jump onto moneybuckets.com.au and take a look at how we can help. We'll give you your hour back in a free consultation about how your finances can improve and help you launch into Spring

12.01.2022 If you have received a default notice and your loan company is threatening to take away you car, what can you do? There are some options open to you and its good to know what your rights are .... our article on repossession and how to take back control might help https://moneybuckets.com.au//what-happens-if-they-reposses

11.01.2022 When it comes to your mortgage, most of the time do you feel.. 1. worried? 2. uncertain? 3. confused? 4. confident?... If you answered 1, 2 or 3, we can help you. We have experience in mortgages and lending that will help

11.01.2022 Lets share Carols story ... Carol is retired and her husband has sadly passed away. Carol still lives and owns the family home. Unfortunately the pension Carol receives just gives her enough Money to Live on, but not to maintain her home or to do anything special like a dinner out with friends or a Family Holiday. Through a Reverse Mortgage, Money Buckets was able to help Carol gain access to $30,000 to bring her home up to speed and make it more comfortable for her, ac...cess to another $50,000 for future travel needs and an extra $1,000 per month for 10 years to have some extra fun along the way. Carol continues to live in her own home without having to make any repayments and can enjoy her life as she ages. Carol is 75 and her home is valued at around $600,000. If you'd like to see if a Reverse Mortgage would suit your circumstances and get you some enjoyment for right now and in the future, give us a call on 1800 825 010 or check out this article which may answer some of your questions ... https://moneybuckets.com.au//h/reverse-mortgages-explained Money Buckets 1800 825 010

10.01.2022 The JobKeeper package was announced yesterday as the latest measure to keep Australian workers afloat whilst businesses may be closing down due to Covid-19. Whilst its not yet law it is hoped to be so very soon. If you are an employer, this will be a great way to receive wage subsidies to keep your staff. If you are a staff member, make sure your boss knows how beneficial this can be. Register interest with the ATO as an employer - ato.gov.au/general/gen/JobKeeper-payment/

10.01.2022 Wed like to ask How are you doing? Is there anything youd like an answer to? Refinancing Home Loans to a lower rate?... Refinancing Car Loans to a cheaper rate? Consolidating loans and debts? A new Home Loan? 1st Home Buyer? Hows your credit file? Any questions on anything an Old Bloke with Life experience might have an opinion on. (Expect to be told straight!) Lets chat ... Ph: us on 1800 825 010 or drop us an email to [email protected]

09.01.2022 From all of us to you and your families, we wish you a happy and safe holiday season.

09.01.2022 Buy now, pay later is growing in popularity as an alternative payment method to credit cards and other interest free term deals. Read our 4 tips to avoid fees, charges and credit creep. https://bit.ly/2LBSeuW

09.01.2022 What does your credit score say about you? The number may be between 0 and 1200, but there is more going on behind this number that may be affecting how lenders look at your application. If you need more information .... https://moneybuckets.com.au//fas/how-do-I-repair-my-credit

08.01.2022 Even before isolation and social distancing we were trending toward a cashless society. Signs now saying contact less payments please are becoming more common, and even our elderly are being encouraged to use debit cards instead of cash for everyday shopping items. But just how will this effect us all? How will our spending habits change and how do we protect our future finances. Weve had a think about this and have put together some ideas and ways to protect your credit file. Send us a PM and well be happy to share .... straight to your email.

06.01.2022 Developing a block of land may seem like a great way to build wealth but the reality is there are many processes, regulations and finance arrangements to work through. And a one-off transaction can still be considered an enterprise. Read our article if you are considering sub-dividing in the new year. http://yourfinancenews.com.au//Article-Property_Developmen

06.01.2022 Ouch ... It's going to hurt!, but It Is time. During Covid-19 putting off paying our debts and bills was helpful, and for many it was very necessary when incomes were slashed and the times were uncertain. The banks and your utility companies were also being Super helpful in letting many people to delay payments. ... As measures wind back and Job Keeper and Job Seeker payments are set to be reduced, it's time now to think about the future! There are some good long term payment options available, payment plans that let you pay down your debts within your budget. It may be YOUR time to give US a call on 1800 825 010 and see how to lessen that pain before the banks start to bite you again with interest being put back on and late fees accumulating ...... Ouch!

05.01.2022 If you haven't entered our competition yet, then you will be missing out on the chance to win. This could be you! 1 more week 'til the winner is drawn .....

05.01.2022 Welcome to Money Buckets! We help people who are looking for ways to make their financial future better. Maybe youre struggling with your debts, maybe you are looking at buying your 1st home or to refinance your existing home loan and things havent gone so well with your Bank. We may have some answers for you, what have you got to lose? ... So get in touch on 1800 825 010 or visit www.moneybuckets.com.au

04.01.2022 In response to Covid-19 many lenders offered help with payments on mortgages, credit cards and loans. What happens now that these payment deferrals have come to an end? What will your bank be able to offer you? What will your bank need from you and how will they contact you? ASIC has handed down a list of expectations that lenders should follow to deliver the best outcome to consumers. What has been your experience with your lender? https://asic.gov.au//covid-19-and-financial-hardship-asic/

03.01.2022 Whats trending in Home Loans? Covid-19 has done some strange things to the mortgage market in Australia. There are lots of positives! The Home Builder Grant and First Home Buyer Grant are 2 schemes encouraging 1st Home Buyers into the market. There are a few rules and some some qualification, but options are available to give you that extra boost into the market. There is also some changes to Lenders Mortgage Insurance for 1st Home Buyers that make that step into Home... Ownership just that little bit easier. St George Bank has announced LMI of just $1 on particular loans. All in all theres plenty to get excited about and loads of opportunity in borrowing for your 1st Home. If youve got any queries at all, lets chat ... 1800 825 010 or get directly onto Alan - 0415 235 032.

03.01.2022 Who couldnt use some extra cash at the moment? 2020 has been a tough year so far and wed like to change someones luck. Our competition is free to enter and you never know that someone could be you ...

02.01.2022 Feeling Glum? Well ... today it is a Blue Monday: Natural disasters, debt and relationship problems make today one of the most challenging days of the year, but you are not alone ...

02.01.2022 Do you need some tips on making your Mortgage Dream a Reality? Before you rush out and fall in love with your next dream home take a few minutes to consider the best possible steps in your mortgage application process. To help set you up for mortgage application success, here are 7 tips you need to consider: ... 1. Hows your credit score looking? 2. How much will your income allow you to borrow? 3. Whats your cost of living? 4. Hows your Debt to Income ratio? 5. Are you Self Employed or PAYG? 6. Does your age matter? 7. Where you will buy? There is no pause button here it is business as usual at Money Buckets Financial Solutions. Reach out if you need assistance with your mortgage or refinance options. Phone us on 1800 825 010 to talk about your home loan plans or if youd like our free guide - 7 tips for Mortgage Success send us a message and well be happy to share.

01.01.2022 It is no wonder that Japan is on so many Aussies travel bucket lists. There are many cultural and scenic delights to explore. Our next holiday competition is one you dont want to miss. This 10 night holiday package for two includes airfares, accommodation and spending money. Take a read of the unique itinerary and enter for your chance to win. http://yourchancetowin.com.au/28161aa0

01.01.2022 You may think your childs apps are free, but beware of paying for upgrades and the latest and greatest characters! One seven year old child spent $1,000 on upgrades without knowing! Dont let FREE app-based games blow your budget. Read our three tips to avoid in-app purchase blowout. http://www.yourfinancenews.com.au//Article-Parent-Warning-

01.01.2022 Need some help with joint debts and how to deal with partners whove taken more than your heart this Valentines Day? Grab a tissue and give us a call on 1800 825 010, we may be able to help

01.01.2022 What will you be doing this Boxing Day? Watching the Sydney to Hobart yacht race, Boxing Day test cricket or dashing to the shops for some Boxing Day bargains?