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MoneyQuest

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25.01.2022 You read that right The mortgage broker channel has recorded its highest ever market share result with brokers settling 60.1 per cent of all residential home loans during the July September 2020 quarter, according to new data. The figures come in the latest data released by research group comparator, a CoreLogic business, which was commissioned by the Mortgage and Finance Association of Australia (MFAA). MFAA CEO Mike Felton said the result demonstrates the critical rol...e that brokers play in supporting their customers and the economy, and the impact they have made at a time when they were needed most. We couldn’t agree more... Source: Thanks to Annie Kane The Adviser, 26th November 2020 Read full article here http://ow.ly/tDzI50CvSqF

25.01.2022 Thinking of doing some home improvements to maximise your investment? Not all renovations give back the value you think they might, or should and some even cost far more than they will ever return If you’re keen to improve your home without losing value you'll love our latest blog link below http://ow.ly/6HSS50C1j0N

22.01.2022 This time of the year is hectic for most, and something like refinancing your home loan is not at the top of the to-do list! We get it. But with the new year just over a week away, and we can finally say goodbye to 2020, looking at ways to save to be in a better financial position will be back on top of the list. When the time is right, refinancing your existing home loan is one way to potentially save thousands of dollars, yes thousands of dollars! ... What is refinancing It’s taking out a new loan to replace and pay off your existing loan. It aims to secure a better ongoing rate and save money. There are some great options available with interest rates at a historic low and lender cashback offers available. For more info on refinancing check out our latest blog https://www.moneyquest.com.au//when-is-the-best-time-to-r/

22.01.2022 Did you know there are over two million small businesses in Australia all with their unique services. Getting finance as one of those two plus million can be as difficult as running the business all have unique finance requirements. Are you one of the two plus million Here at MoneyQuest we listen to what you have to say. We will hear your unique story and assist in finding you the finance that’s right for you and your business. Whether it be for a home loan, equipment finance, to pay off tax debt or for a new truck, there is help available - so pick up the phone and call us

21.01.2022 Are you still ticking off your spring cleaning jobs, perhaps prepping for the silly season guest rush? Struggling to store your worldly treasures, the ones you know you need to throw away, but just can't bring yourself to do? Well, perhaps this article will help you out... 5 ways to find the space you never knew you had. See the link below. They also say that keeping a clean and tidy home can improve our mental health too, it can't hurt that's for sure! https://www.moneyquest.com.au//stuck-for-storage-5-ways-t/

20.01.2022 From our family to yours...

18.01.2022 Sometimes when we experience the first signs of failure, most of us think that it's a sure sign to give up...DON'T! As they say, you gotta be in it to win it!

17.01.2022 It’s Tuesday the 4th of May aka Star Wars Day and we’ve just learned the cash rate from the RBA! Check out our video to learn more... #MoneyQuest #MoneyQuestAustralia #RBA #RBACashRate #RBAAnnouncement

17.01.2022 Are you one of the converted, a fan of finance specialists and all we do No, well OK, let’s see if this changes your mind. What are the benefits of using a finance specialist you ask? Industry specialists: There are A LOT of lenders, with A LOT of products, and it’s our job to understand what’s available, and be aware of any changes that may impact you. There is also a smorgasbord of grants available, and like loans they too tend not to stay the same. It’s our job to k...now it! Understanding your goals: We make sure we are fully aware of your situation and any specific personal needs. For example, you may be keen to secure an early repayment, fix your interest rate, or have access to your funds at any point we want to find the product that suits your needs! Detail matters: It’s not just about a rate, we will discuss all the nitty gritty. We will show the true cost of a loan, yes, all the fees and charges (aka the comparison rate). We don’t want you to have any nasty surprises along the way! Transparency: We will be completely open with you in terms of your borrowing capacity and if you meet the lenders criteria to obtain a loan. Yes, sometimes we have to say no (for now), but we will work with you to overcome the challenges we identify. We are in for the long haul! To sum it up, we are here to work with you to find a loan, whether it be home, car or business, and to make sure it’s the loan best suited for you, when the time is right. Can we call you a fan now? Of course we can! Now it’s time to take action and call us to discuss your finance needs, what do you have to lose!

17.01.2022 We know that finding the right home loan can be frustrating, time consuming and confusing To help you out we have a great article on our blog that shares five common mistakes to avoid when getting a home loan, you can read the full article here https://www.moneyquest.com.au//home-loans-5-common-mistak/ here's a snippet of what to expect It’s not just about the interest rate, yes, they are important and definitely part of the consideration process but they are not ...the whole story. Check your credit file. All lenders will conduct a thorough check on your credit history before offering you a loan so it’s a good idea to address any outstanding issues you may have long forgotten about. Shop around! Don’t assume your current bank is going to offer you the best deal as a longstanding preferred customer. So, what next? Read the entire article, then take the sixth step - pick up the phone and call us Here at MoneyQuest we are all about making the process easier and finding you the right home loan!

17.01.2022 When you’ve lived somewhere for a while it’s easy not to notice peeling paint or a chipped wall. But your home will probably be your single ever biggest investment, and just like all of us it needs some regular TLC to stay shipshape. Head to our tips and inspo blog for tell-tale signs your house needs some TLC. https://www.moneyquest.com.au//the-tell-tale-signs-your-h/

16.01.2022 Is the pitter-patter of four paws about to take over your house? Don't miss our guide to puppy-proofing your home! It's a barking great read Check out our blog http://ow.ly/PvNW50ED4YH... #MoneyQuest #MoneyQuestAustralia #MortgageBroker #Puppy #Home #Furbabies

16.01.2022 Have you seen the headlines recently? So many conflicting opinions about whether the Reserve Bank of Australia will drop the cash rate EVEN further than 0.25% Today we received the verdict the cash rate REMAINS at 0.25%! The Reserve Bank is carefully monitoring the state of the economy. Most economic forecasters expect that the Reserve Bank will do what is financially necessary to support the economy and employment opportunities in coming months. So the prospect of an i...nterest rate cut is considered high before the end of the year An area of caution is fixed rates, some lenders have increased some fixed rates in recent weeks. So if your preference is certainly around knowing what your loan repayments are, it might be wise to talk to a MoneyQuest finance specialist to see what has changed Regarding the housing markets, experts have noted that properties in Sydney and especially Melbourne have declined. This is extremely encouraging for all Australians who are hoping to purchase their first property before Christmas, YES, it is much more possible than you imagined If you want to find out more about this finance mumbo jumbo and how you could possibly leverage it to your advantage - send us a message because we genuinely love to help!

15.01.2022 Who else can relate?! We thought to mix it up and have a little humour to start off the week - tag a friend who may need a smile this Monday morning!

14.01.2022 Shoes and blankets and pillows - oh my! Are you like most Australians and in dire need of clever storage solutions in your home? Check out our blog http://ow.ly/428m50ED2YB... #MoneyQuest #MoneyQuestAustralia #MortgageBroker #Storage #StorageSolutions

12.01.2022 Great news for all our self-employed friends this morning! We have the scoop on a great lender extending their promo on BOTH residential and commercial interest rates. If you're self-employed and looking to secure a property, call us! ... #MoneyQuest #MoneyQuestAustralia #MoneyQuestBroker #HomeLoan #HomeLoans #MortgageBroker

12.01.2022 What is an alt-doc loan Alt-doc loans cater for people who are self-employed and can’t provide the traditional up to date proof of income information lenders usually require. Simply - it’s as the name suggests, providing ALTernative DOCumentation for evidence of your income. If you’d like to know more about alt-doc loans we are here to help... we specialise in residential and commercial self-employed finance

11.01.2022 Did you know here at MoneyQuest we specialise in helping self-employed clients who want... - to purchase property (residential or commercial) - cash out for business purposes including working capital - funding and haven’t held an ABN for two years... - asset nance - to pay off tax debt to the ATO So, if you're self-employed and need finance contact us, your self-employed finance specialists!

10.01.2022 When is the best time to refinance?? Something we get asked often, and with home loan interest rates at a historic low, it must be a good time. Right? Not necessarily so. Refinancing is about a whole lot more than just the interest rate There is no ‘one size fits all’ answer It’s dependent on your personal situation and what’s going on in the world around. Consider what you want to achieve it might be consolidation, improved flexibility, or simply a restructure to suit your lifestyle. Ultimately the best deal for you will balance out your personal needs with what the market can offer. To discuss your options, contact us, your experienced MoneyQuest finance specialists. With access to all the latest market information, we can save you valuable time and possibly a whole lot of money

07.01.2022 PROFESSIONAL (noun): a person engaged or qualified in a profession. Professionals such as lawyers, accountants, medical practitioners, chiropractors, optometrists, veterinarians, dental practitioners, physiotherapists. Is this you Or, are you in another professional role Well, did you know there are loan products designed with you in mind... No? Well, there is! What’s even better, there are specials, such as one lender currently waiving Lenders Mortgage Insurance premium...s for eligible professionals who have a loan to value ratio of up to 95%. Meaning you could possibly save thousands of dollars on LMI premium costs! Now, how much you could save depends on your circumstances, such as your profession, loan amount, and where your property is located, but we will take you through the finer detail. So, whether buying your first home, your next property or refinancing an existing loan, it’s definitely worth us having a chat, right?

06.01.2022 Recently we shared that the Federal Government had committed to make available an additional 10,000 places under the First Home Loan Deposit Scheme (FHLDS). This week we wanted to update you on the criteria for these places... The additional 10,000 places form part of what is now being called the FHLDS New Home Guarantee (NHG) for new homes and newly built homes. The allocations are available to first home buyers that are Australian citizens and at least 18 years old.... Like the original FHLDS, the New Home Guarantee is means tested. Applicants must have a deposit of between 5 and 20% of the property’s value. It is only available to those wishing to build a new dwelling or purchase a newly built dwelling, your MoneyQuest broker can share with you the definitions of eligible properties. Investment properties are not eligible. If you are single you must have a taxable income of up to $125,000pa for the previous financial year; or a combined taxable income of up to $200,000pa if applying as a couple. There is a revised set of property price caps that also apply for eligible properties under the NHG, that differ from state to state, which your MoneyQuest broker can share with you. AND FINALLY... rumour has it one of the big four has announced it will open a new waitlist for the FHLDS New Home Guarantee, and will start accepting conditional approval applications from Wednesday of this week. For more info on this scheme and to see if you tick all the boxes contact us, your local finance specialists.

06.01.2022 WOW rumour has it there are currently a record 29 lenders* offering cashback deals for those looking at refinancing their mortgage, with the big four banks also in on the action. Most of the deals currently on offer are between $1,000 and $4,000 Why you ask The rise in refinancing is forcing banks to be more competitive than ever, they need to be winning new business, not losing it. But, don’t just assume you’ll be better off with a cashback special, you need to make s...ure you will be better off in the long run, not just a short term win. As mortgage brokers we will share the offers currently available, it's our duty to work with you to find the product that's right for you, and in some instances a cashback deal may not be the right one... to find out more let's talk! (* source: Australian Broker)

03.01.2022 With the festive season knocking on our doors, we wanted to share a few ideas on how you can join in on the fun in a sustainable way! Check out our latest tips & inspo article https://www.moneyquest.com.au//festive-fun-the-sustainabl/

02.01.2022 The Domain House Price Report revealed that Adelaide house and unit prices are at record highs, $564,927 and $331,553 respectively. House prices grew 2.8 per cent over the September quarter - the largest jump since late 2013 and the strongest September performance in 11 years. House prices have risen for four consecutive quarters, pushing annual gains to 6.8 per cent, the steepest in a decade. ... Meanwhile, unit prices jumped 4.4 per cent over the September quarter, the steepest quarterly growth since mid-2013. Adelaide remains the second most affordable city to purchase a unit behind Darwin, Dr Powell said, adding: Adelaide could overtake Perth as the value gap between the two cities hits a 16 year low. According to the analyst, interest from prospective home hunters in purchasing housing in the SA capital has risen post-lockdown, and the owner-occupied led housing market was less exposed to the changes in demand as a result of international border closures than the larger capital cities. Full article: http://ow.ly/kWZD50C6Ay2 Source: Annie Kane, Mortgage Business 29 October 2020 & Domain House Price Report for the September quarter 2020

02.01.2022 Name 3 things that are better than getting the keys to your new home in your hot, little hands??? . . . .... . . . . . Nothing? We agree! Reach out if you want to see options for your next home loan. #MoneyQuestAustralia #MoneyQuest #MortgageBrokers #FinanceSpecialists #FirstHomeBuyer #InvestmentHome

02.01.2022 Have a great week!

02.01.2022 Identify your 'one thing'!

01.01.2022 Today is October 6th So what you say Well, today is the day the Federal Government extends the First Home Loan Deposit Scheme (FHLDS) to allow for a further 10,000 new places woo hoo What is the FHLDS you ask? It's a grant that allows you to purchase your first home with a deposit of 5%, eliminating the need for costly Lender's Mortgage Insurance (LMI). Usually first home buyers with less than a 20% deposit need to pay LMI. Under the Scheme, eligible first h...ome buyers can purchase a new home with a deposit as little as 5%. The grant is issued on a first-come-first-served basis, and this time you need to purchase a new build As with all grants there are some conditions, but don’t stress we know what they are! Contact us, your local MoneyQuest mortgage brokers, and let’s chat. (Ps don’t leave it long as these spots get snapped up quickly) #fhlds #governmentgrant #grant #firsttimehomebuyer #buildahome #buildanewhome #fhog #mortgagebrokersaustralia #financebrokers #australianhomeowner #livethedream #moneyquest #financespecialists

01.01.2022 What is an 'alt doc' loan? Alternative documentation, or alt doc, loans are for self-employed borrowers with income evidence not in the form mainstream lenders generally prefer. When assessing an 'alt doc' application, some of the things considered are: has your business been ABN registered for at least 6 months... has your business been GST registered for at least 6 months Business Activity Statements (BAS) bank account statements an Accountants letter For more information on what can be provided as 'alternative documentation' contact us... your self-employed finance specialists!