MoneyQuest in Maroochydore, Queensland | Mortgage brokers

MoneyQuest

Locality: Maroochydore, Queensland

Phone: +61 418 253 595

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• Loan service
• Mortgage brokers

25.01.2022 Eyeing off that dream home!? Dont give up, keep on visualising it and it could be yours soon!

24.01.2022 A little humour for your Monday...who else feels the same?

24.01.2022 Making a few cosmetic upgrades to your house before going to market doesnt have to cost the earth. Check out these five wise moves that will not only entice potential buyers through the door, but see them picturing their life within those walls right before they put in their offer! https://www.moneyquest.com.au//5-cosmetic-improvements-yo/

23.01.2022 Do you love organising your receipts, in preparation for the end of the financial year? The end of the financial year is the perfect time to assess your property portfolio and check that you’re making the most of the tax benefits available. For EOFY tips, check out our blog http://ow.ly/w29150ED2pL ... #MoneyQuest #MoneyQuestAustralia #MortgageBroker #EOFY #PropertyInvestor

23.01.2022 Do you feel overwhelmed at the moment? Don't let it get in the way of you reaching your property goals! #MoneyQuest #MoneyQuestBroker #MotivationalMonday #HomeLoans #MotivationalQuote #FirstHomeBuyer #SecondHomeBuyer #Quotes #BelieveYouCan #HalfWayThere

22.01.2022 What will you do today ?

21.01.2022 #MQBrokerBanter This month we focus on the types of questions you should be asking your mortgage broker. Last week we focused on lending panels and personal documents.... Today we discuss interest rates and associated fees. WHAT IS THE INTEREST RATE? Interest rates change depending on the lender. The main types of interest rates are fixed and variable (although there are also other types of interest rates available). Fixed interest rates: The interest rate stays the same for the duration of the fixed-term period. Variable interest rates: The interest rate can move up or down with the market or an index for the term of your loan. WHAT IS A COMPARISON RATE? A comparison rate calculates the true cost of a loan by combining the loans interest rate with other associated costs and fees. WHAT ARE THE ASSOCIATED FEES ON THE LOAN? Sometimes loans can have fees attached in addition to the amount you’ll be paying off. Some fees are just a one off, but some you may need to pay monthly or yearly. This is something you need to clarify with your broker to ensure there are no surprises. Remember, we are always here to help! #MoneyQuest #MoneyQuestBroker #FirstHomeBuyer #HomeLoans #MortgageBroker #MortgageBrokerConversations #MQBrokerBanter

19.01.2022 Why does your credit score matter? . Your credit score is a number between 0 and 1,200, based on your financial habits. Anything above 700 is considered good, with over 800 being ideal, anything under 600 is considered bad. . Your credit score will help lenders determine if they should lend money to you or not, what interest rate to give you, and which loans you are eligible for. Higher credit scores get lower interest rates and more features and benefits on loans. Lower ...credit scores have fewer options, higher interest rates, and are more likely to get rejected which will lower their score further. . For more information on credit scoring speak to us, your local MoneyQuest finance specialists! . #moneyquest #mqga #creditscore #credit #interestrate #loans #creditcheck #financetips #tipsinfinance #mortgagebrokers #brokersinfinance #moneytips See more

18.01.2022 Buying your dream home is one of the biggest and most exciting purchases you are ever likely to make. Saving the necessary deposit can be difficult without making a few adjustments to your finances. The first port of call is to look at how much you want to spend, how much you already have saved and any additional fees and charges that you may incur when making your purchase. Budgeting helps manage your spending and regular outgoings and allows you to direct the surplus... into savings. When preparing your budget, it is important to consider your current financial situation by working out your priorities how much you need for basic living expenses and the little things that you can do without. To find out how much you can put away regularly to meet your home ownership saving goal you need to set a budget. Our handy budgeting tool (link below ) works out where your money goes and how much you should have left over. https://www.moneyquest.com.au/h/calculators/budget-planner/ Once youve got your budget in order youre well on your way to realising your home ownership dream

18.01.2022 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/sMZP50CvSsQ

18.01.2022 So youre considering buying a home at auction? Make a mental note: that right there is going to be one of the most exciting/nerve-wracking days of your life, bursting with ups and downs. Lucky for you weve compiled a list of the top pros and cons to help keep your bidding hand steady come auction day. https://www.moneyquest.com.au//buying-a-home-at-auction-t/

18.01.2022 If you’ve been house hunting recently our guess is that you are a little confused about which grants you might be eligible for ... are we right Well, don't just sit there wondering, we have the answersWhether buying for the first time or looking for your next home, you may be eligible for a grant or two To have your questions answered contact us, your local MoneyQuest finance specialists

18.01.2022 Congrats JS on the new car, more than happy to help#new car #moneyquestmaroochydore #sunshinecoast #newcarsmell #mitsubishi

18.01.2022 About to start? #MoneyQuestAustralia #MoneyQuest #Renovations #Memes #FunnyMemes

18.01.2022 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)

17.01.2022 Looking to purchase commercial property? Do you know MoneyQuest also specialise in commercial loans? There's so much to know about commercial loans and their differences when compared to their residential cousins. For example, did you borrow up to 95% of the value of your property when purchasing your home? Well, commercial property loans are usually capped at about 70% LVR (Loan-to-Value Ratio). Do you have the extra $$$ to put down as a deposit? How will this affect y...our repayments? Chat to MoneyQuest today for more handy tips that may help you on your commercial property journey. #MoneyQuest #MoneyQuestHomeLoans #CommercialLoans #MortgageBroker

17.01.2022 If you've applied for any kind of loan before, you'll know that your credit score plays a significant part in the application process. Lenders will use your credit score (among other things) to determine if you should be trusted with the repayments of the loan. Thankfully, you can obtain a credit report to find out where your score is sitting. ... And the best part is, it's free! Visit the below credit reporting agencies to get your hands on your free credit report. 1. https://www.experian.com.au/order-credit-report 2. https://www.creditcheck.illion.com.au/ 3. https://www.equifax.com.au//p/credit-and-identity-products Keen to learn more about credit checks? Be sure you get in touch with us today. We can answer your questions and discuss all of your options. #MoneyQuestAustralia #HomeLoans #Finance #HomeBuyerTips #CreditScore

17.01.2022 OK, we are sure you have read that refinancing an existing home loan can help in so many ways. If you are thinking of refinancing, here are five things you need to consider: ONE: Interest rates, be mindful that these can fluctuate and are subject to change. TWO: Fees, refinancing comes at a price. Take a deep dive and fully understand the real cost of the change.... THREE: Lifestyle changes, whether you might face challenging circumstances such as loss of income or a job change. FOUR: Long-term plans, consider how long you plan to be in your property so that you can reap the financial benefits of the change. FIVE: Talk to a mortgage broker, have all your questions answered. Interest rates, cash-backs, grants, schemes, fees, stamp duty, the list goes on; they have the answers.

17.01.2022 Another month, another RBA announcement. As we anticipated, the RBA has continued to maintain a low cash rate of 0.25%. What exactly does this mean for you? The RBA continues to keep the cash rate low, thus providing a low-interest-rate environment to keep borrowing costs at a record low during these unprecedented times. It is highly unlikely that the RBA rate will increase rates over the next two years. It is also unlikely but possible that the RBA will not reduce the cas...h rate given it may believe this will have little impact in supporting the economy and if anything impacting many retirees with their savings and investments income. The real area to watch is what else the federal and state governments will do to assist and support all those impacted by the forced closures and ongoing disruption from the COVID-19 pandemic. If not done already, now is the time to be speaking with your finance specialist to ensure your finances are structured to help you get through these challenging times.

16.01.2022 It can be discouraging to look at place after place and just feel, well, nothing. But, don’t get discouraged. When you find it, you’ll know and all of the house hunting would have been totally worth it!

16.01.2022 Do you love styling your home, but don’t always have the budget you need? You’re not alone. The good news is that Insta-worthy houses don’t have to cost the earth. In fact, with these clever tricks and tips you can achieve the stylish home you crave with money left over to spare! Check out our lasted blog post for a little styling inspo https://www.moneyquest.com.au//styling-on-a-budget-quick-/

16.01.2022 Are you wanting to buy a home, either to make memories of your own or perhaps for others (aka to live in or rent out ). Have you considered getting a pre-approval so you know what you can afford Sounds like a plan, right! Getting a pre-approval is an easy process that allows you to better understand your lending position. An obligation-free way to estimate what you are able to borrow from a lender before you make an offer on a property. ... So, before you head off to view that perfect home... stop call us and let’s talk numbers

16.01.2022 OK, you do know it's less than three months until Christmas right? So if you want to be in a new beaut home before the jolly man makes his way downunder, you need to get this house spruced up and on the market Check out our latest blog where we share five cheap ways to increase the value of your home https://www.moneyquest.com.au//5-cheap-and-easy-ways-to-i/

16.01.2022 CHA-CHING! Have you ever wondered who was the person that invented the credit card? Or which company actually created the first credit card? For Inventors month this week, have a read below of some interesting facts about that magical piece of plastic: A Brooklyn banker named John Biggins invented the model of our modern-day credit cards in 1946. Did you know credit actually means trustworthiness? Makes sense! Can you guess which company brought out the first credi...t card....? Visa? Mastercard? The answer is actually Diners Club, in 1950. Now thats interesting?!

15.01.2022 Identify your 'one thing'!

15.01.2022 It's been a tough year - hang in there, change is coming!

15.01.2022 Yay it's the weekend... though for some of us every day seems like a Sunday thanks to lockdown. Regardless of where you live there is a buzz of spring in the air , so we wanted to share our top five spring home maintenance tips to get you outside to enjoy some rays! Check out our last blog post https://www.moneyquest.com.au//five-seasonal-home-mainten/

15.01.2022 A credit score (or rating) is a numerical score that represents how trustworthy your reputation is as a borrower. Essentially, your credit score sums up the information on your credit report into one number, the higher the score the more creditworthy youll likely appear to the lender. The article (link) below explains what can affect this score and why it matters. https://www.moneyquest.com.au/news/credit-score-matter/

14.01.2022 When was the last time you checked out your roof? Like most things, roofs get worn out over time. Refinancing your property may help you access equity tied up in your home. Why not tackle some long overdue maintenance projects? ... It could also improve the overall value of your home. Want to know more? Contact us today. #MoneyQuest #MoneyQuestBroker #HomeLoan #MortgageBroker #Refinance #HomeEquity #ChangeIsAsGoodAsAHoliday

14.01.2022 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

14.01.2022 Who else is vibing this? A message to those who have persevered through the challenges of 2020... Stay strong!

14.01.2022 LVR... LMI... P&I... I/O... what the!! Dont stress, help is on hand heres the explanation of some commonly used terms when buying a property and/or applying for a loan. https://www.moneyquest.com.au/glossary/

14.01.2022 Have you been thinking about investing in property? You may be able to realise this goal sooner than you think by using the equity in your existing home. Equity is the difference between the value of your property and how much you owe on it. Over time, as you pay down your home loan and if the value of your property grows, your equity increases. If youve owned your home for a few years, theres a good chance youve built up some reasonable equity, a valuable resou...rce when it comes to property investment. Getting into property investing could be easier than you think! To discuss your investment home loan options talk to us, your local MoneyQuest finance specialists.

13.01.2022 Being self-employed has its benefits , but it also has its challenges especially when it comes to finance As specialists in the self-employed finance space we know that your financial statements may not be up-to-date; perhaps not reflect your business's current performance; or may be a little complex... yep, we get it !! Our self-employed products offer a range of alternatives to the usual financial statements required by most lenders, including income verification by a...n applicant declaration They are designed for you, the self-employed business owner so call for a chat, what do you have to lose... you could be calling a house a home sooner than you think

13.01.2022 Do you have multiple loans... credit cards, a car loan, a personal loan? Juggling all the individual repayments? Have you considered debt consolidation? Instead of paying off several debts at varying interest rates, we can consolidate your debts into one larger one. This way you end up making one monthly repayment, and usually at a lower interest rate. Like to know more? Gives us a call!

12.01.2022 Spring is in the air and with the promise of fresh flowers and brighter days comes the guarantee that more properties will hit the market. Do you know what experts are recommending for the selling season? Get your finances under control before you get to that ready to buy stage. There are a few things you need think about Is your budget in order? Have you got a regular saving schedule in place? Do you have the deposit in savings? Do you have pre-approval in writing? A...re you going to go with a fixed or variable rate? Do you know what conditional approval is? Is this sounding like a bit too much? Then we have another option call one of our brokers and theyll organise the rest. That sounds better!

12.01.2022 CBA, NAB, ANZ, ING, ME... what do these all have in common? Can you guess? No not some weird alphabet, these are all well known modern day banks. Have you ever wondered where the bank was invented? Have a read of some fun facts below: The earliest recording of a bank has been said to have started in ancient Mesopotamia (Mesopotamia was the ancient name for what is now Iraq, the land between the Tigris and Euphrates Rivers). Although, a lot of this was not in the form of f...inancial lending, instead banks would lend out seeds and the like. Historically temples were considered the earliest forms of banks as they were occupied by priests and became a haven for the wealthy. Perhaps the biggest changes to the world of banking came in the 17th to 19th centuries, particularly in London. The first proper modern day bank could be said to be the Goldsmiths of London. People would deposit their precious materials into these vaults, and they would be able to collect them. Over time, Goldsmiths started to provide loans. Also, did you know the word bank derived from the Italian word banco, meaning a bench, since Italian merchants in the Renaissance made deals to borrow and lend money beside a bench. Now thats interesting!

11.01.2022 Do you know your current home loan interest rate? With some lenders cutting both their fixed and variable rates in a bid to draw in new home loan customers, now is the time to review your current home loan to see if you can get a better deal. There is a real opportunity to make strong headway with your loans and get your finances in shape... so whats stopping you?

10.01.2022 We couldnt agree more! Always go above and beyond, you never know where it might take you!

10.01.2022 I am not even kidding.. .this guy moves HEAVEN and EARTH and gets the job done!!!! Every time! I have worked with Adam on refinancing a home loan (after covid w...hich is NOT easy) new cars, the works and he gets it done, fast, well, no fluff and seamlessly!! If you need anyone to get it done or think you are having issues with banks - THEN THIS IS YOUR GUY!! Happy to chat to anyone who is not sure... Thanks Adam! See more

10.01.2022 Who owns a Tesla... OR wants to? We hope this quote from Elon Musk (product architect of Tesla) gives you some motivation for your day! P.S. If you need a Tesla financed, you can come to us

09.01.2022 Have you heard of an ? An Alt doc loan is a type of loan that requires you to provide alternative documentation for evidence of your income.

09.01.2022 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/

09.01.2022 It can be discouraging to look at place after place and just feel, well, nothing. But, dont get discouraged. When you find it, youll know and all of the house hunting would have been totally worth it!

09.01.2022 Australian home owners who are experiencing financial hardship have options that may help during troubled times. If this is not you (thankfully), but you know of someone that is struggling, please share the below information with them. Pause Your Home Loan Repayments If you ever experience financial hardship, particularly due to COVID-19, you may apply with your lender to put your home loan repayments on hold for up to six months. Please note, interest will continue to be... charged and added to your loan during the period your repayments are paused. This means that your home loans will be charged interest on interest. However, if you do require immediate financial assistance, this is one option that can help preserve your money until you get back on your feet. Consolidate Your Debts To reduce your overall monthly commitments, you can apply to roll up all of your debts into one loan with the intention of reducing your overall monthly repayment. Redraw Facility If your home loan has a redraw facility and you have made additional repayments, you may have accumulated a buffer that you can now redraw to assist you in your period of hardship. Reduce Your Repayments Given the recent reduction in home loan interest rates, your present repayments may be higher than the minimum required. There are people to talk to, your bank or a mortgage broker, you are not on your own.

09.01.2022 Let's talk energy Electricity bills can be one of your biggest expenses, but there are some tricks that may help bring that cost down. Check out our blog http://ow.ly/bFVZ50Exo1G... #MoneyQuestAustralia #MoneyQuest #MoneyQuestBlog #EnergyTips

09.01.2022 Are you self-employed? Did you know that a MoneyQuest broker can assist with loan products that have alternative methods to validate income? While the introduction of stricter lending practices over the past couple of years have had an influence on self-employed borrowers loan requirements, its still possible to secure a loan and purchase your dream home (within reason of course). Like to know more

08.01.2022 How much LMI (Lenders Mortgage Insurance) you pay, and whether you have to pay it at all is dependent on a few things, and yes size does matter! STOP PRESS more BREAKING NEWS... lender announces $1 LMI, yes ONE DOLLAR. How much might you save? Well, the amount you borrow will impact the amount of LMI you pay because LMI is worked out as a percentage of the loan. A loan of $500,000 on a property worth $550,000 will incur a LMI fee of approximately $13,500. Whereas the sam...e property with a loan of $490,000 will only incur a fee of approximately $9,500... so you would save A LOT! Call to find out more about this offer (T&Cs apply). P.S. LMI covers the lender, not you, ask me about a loan protection plan.

08.01.2022 Thinking of buying property or adding to your portfolio? Our property investment checklist may help guide you through the wonderful, but sometimes stressful world of real estate. Check out our blog http://ow.ly/Hwg950ECVG7... #MoneyQuestAustralia #MoneyQuest #MoneyQuestBlog #PropertyChecklist

08.01.2022 When talking home loans for the self-employed there are so many questions to be answered How many years do you have to be self-employed to get a home loan? How do you qualify for a home loan if you are self-employed? What income can be included for a home loan ? How much can I borrow? Do lenders look at your gross or net income? All great questions, and we’re sure you have more... well, we have the answers! ... So, it’s now time to call a MoneyQuest broker (us) to talk about your self-employed home loan options, and have all your questions answered

08.01.2022 Are you self-employed It certainly does have its perks and freedoms that employees dont get, though when it comes to purchasing a home it can become more of a hindrance than a perk Have you heard of an alt or low doc loan... No? Well, this type of loan might be the solution youve been looking for To find out what were talking about check out the article below (click link ) or call us , your local MoneyQuest finance specialists, to have your questions answered...... https://www.moneyquest.com.au//get-the-low-down-on-low-do/

07.01.2022 Have you heard of an ALI Loan Protection Plan? Its an insurance policy that covers serious illness, injury and death. But, unlike many other plans, it pays you (or your family), not the lender. Did you know that over the past 12 months almost 1 in 2 first time home buyers presented with a Loan Protection Plan took out the policy. Yep! Why you ask? Well, a few reasons... all their savings had gone into the deposit so no buffer left if something were to go wrong;... fear of becoming seriously ill; have a young family and were worried about their future should anything tragic happen; their broker made them aware there wasnt a plan B. All valid reasons! To find out more about an ALI Loan Protection Policy speak to us. Youve worked hard to buy your home so let us help you protect it (Source: ALI September 2020, T&Cs apply)

07.01.2022 As the old saying goes, no matter how many times life knocks you down... always remember you can get back up again!

07.01.2022 Its been a tough year - hang in there, change is coming!

07.01.2022 Did you know that fortnightly loan repayments are better than monthly loan repayments? In fact, as interest is calculated daily, the more frequent payments you make, the more you could save in interest over the life of your loan. Repaying fortnightly (or better still weekly) can help you pay off your mortgage years earlier, potentially saving you tens of thousands of dollars in interest. ... Still not convinced Perhaps our repayment calculator might help https://www.moneyquest.com.au//fortnightly-repayment-calc/

07.01.2022 From our family to yours...

07.01.2022 To all our self-employed business owners - resilience is key, keep on going!!

06.01.2022 The auction market has recorded its highest combined capital city preliminary clearance rate since March, despite record-low auction volumes in Melbourne, according to data. CoreLogic auctions data for the week ending 20 September has revealed that the combined capital city preliminary auction clearance rate came in at 72.4 per cent last week. There were 918 homes taken to auction over last week, which, while still significantly lower than the 1,983 homes taken to auctio...n this time last year, was higher than the 816 homes that went under the hammer over the previous week. The previous week recorded a preliminary clearance rate of 67.3%, which later revised down to 63.0% at final figures. This time last year, the final clearance rate was 70.7% across the combined capitals. Auction activity across Melbourne remains extremely low amid the lockdown to curtail the second wave of the coronavirus, with only 11 homes taken to auction. Of the results collected so far, all seven were successful, with five reported as selling prior to auction and two selling on the day. In the previous week, there were 600 auctions in Sydney, with a final auction clearance rate of 65.9%. This time last year, there were 646 homes taken to auction with a final success rate of 72.7%. (Source: Malavika Santhebennur, mortgagebusiness.com.au, 22 September 2020, thanks Malavika For the full article go to https://bit.ly/2ZVedEo )

05.01.2022 Don't search for loans in the dark! Reach out to a broker. They must be doing something right...brokers have settled $107.5 BILLION in residential home loans between April - Sept 2020! (Source: MFAA) This is up 24.5% compared to the same period 2019. ... What have you got to lose? If you're looking for a home loan, contact a MoneyQuest broker. They have so many finance options available to them...and if none suit, you can walk away. Winner, winner, chicken dinner!! #MoneyQuest #MoneyQuestAustralia #MoneyQuestBroker #HomeLoanBroker #MortgageBroker #HomeLoan #HomeLoans

04.01.2022 A benefit of living in Australia is that you can indulge in your hobby of gardening all year round, even in winter. Whether you’re working on living more sustainably , hoping to boost your property value with a healthy garden , or just developing your green thumb , these tips may keep your garden bountiful this winter. Check out our latest blog post http://ow.ly/cvID50F0JVU... #MoneyQuest #MoneyQuestAustralia #MoneyQuestBroker #MoneyQuestTips #HomeLoans #MortgageBroker #WinterGardening

04.01.2022 Have you heard of an ALI Loan Protection Plan? It’s an insurance policy that covers serious illness, injury and death. But, unlike many other plans, it pays you (or your family), not the lender. Did you know that over the past 12 months almost 1 in 2 first time home buyers presented with a Loan Protection Plan took out the policy. Yep! Why you ask? Well, a few reasons... all their savings had gone into the deposit so no buffer left if something were to go wrong;... fear of becoming seriously ill; have a young family and we’re worried about their future should anything tragic happen; their broker made them aware there wasn’t a plan B. All valid reasons! To find out more about an ALI Loan Protection Policy speak to us. You’ve worked hard to buy your home so let us help you protect it (Source: ALI September 2020, T&Cs apply)

04.01.2022 Beep beep! Are you aware of the different factors that can impact the best times to buy a car? Learn more! Check out our latest blog post http://ow.ly/cXlZ50F2ExE ... #MoneyQuest #MoneyQuestBroker #MoneyQuestTips #CarFinance #NewCar

04.01.2022 Yay its the weekend... though for some of us every day seems like a Sunday thanks to lockdown. Regardless of where you live there is a buzz of spring in the air , so we wanted to share our top five spring home maintenance tips to get you outside to enjoy some rays! Check out our last blog post https://www.moneyquest.com.au//five-seasonal-home-mainten/

04.01.2022 Yep, another fancy acronym - LMI, or Lenders Mortgage Insurance. A fee you, the borrower, pays to the lender if you have less than 20% as a deposit. It protects the lender in the event you default on your home loan, importantly ...it does not protect you Heres the detail on LMI and ways to avoid paying it https://www.moneyquest.com.au/n/lenders-mortgage-insurance/

04.01.2022 Want to know something interesting? August is Inventors Month! Have you ever thought about when the "mortgage" was invented? Or where the word mortgage derived from? Read below some fun facts about the invention of the mortgage: 1: Mortgages that we are familiar with nowadays have only been around since the 1930s, but the idea of a mortgage has been around for a lot longer. 2: Mortgages are mentioned in English common law documents that take back as far as 1190! ... 3: The meaning of the word mortgage comes from Latin. It is merged from two Latin words, mort and gage. Mort means death and gage means pledge, so the word mortgage means dead pledge. But dont let that scare you! The dead part of the mortgage doesnt refer to a person, it refers to the idea that the pledge died once the loan was repaid, and also the idea that the property was dead (or forfeit) if the loan wasnt repaid. Now thats interesting?!

03.01.2022 Why are so many people confused about interest rates? We know that to most people finance is boring, ask them about interest rates and their eyes will glaze over. Rightly so, a simple product like a home loan has many variables to consider before you find the rate that best suits your needs. For example did you know owner occupied home loans are priced differently to investment loans. Then there are further differences based on whether you want either Principle ...and Interest repayments or Interest Only repayments. On top of that, new borrowers are usually offered better rates than existing customers from the same lender. Also if your loan is over a certain dollar amount, you can get a variety of interest rate discounts. Even being a member of some selected organisations can get you a discount. Then there are fixed rates, each with their own rate linked to the length of the fixed term. We should point out that these variations apply to almost every lender, the number of choices is staggering. So, we do understand why it can be somewhat confusing. The good news? You dont have to stress over it, its our job to know the detail, were here to make it easy for you!

03.01.2022 Are you self-employed It certainly does have its perks and freedoms that employees don’t get, though when it comes to purchasing a home it can become more of a hindrance than a perk Have you heard of an alt or low doc loan... No? Well, this type of loan might be the solution you’ve been looking for To find out what we’re talking about check out the article below (click link ) or call us , your local MoneyQuest finance specialists, to have your questions answered...... https://www.moneyquest.com.au//get-the-low-down-on-low-do/

03.01.2022 Did you know the HomeBuilder Grant provides eligible owner-occupiers (including first home buyers) with a grant of $25,000 to build a new home or substantially renovate an existing home? Here are the answers to some frequently asked questions https://www.moneyquest.com.au/n/homebuilder-grant-of-25000/ BUT to find out if you tick all the boxes lets chat.

02.01.2022 2020 was a challenging year leaving an indelible mark on each of our lives. Impacting us in ways we couldn't even think of, having to adopt ways and means of living and working that were not a piece of cake to adapt to. But today, on the first day of the new year, we can only reflect on the things that 2020 taught us cherish each moment of life, not take it for granted, spend time with loved ones, expect the unexpected, overcome, and keep going despite being faced with extraordinary odds. Now' it's time to look forward to a brighter 2021.

02.01.2022 Moving house can be a real headache, and a tad stressful. There is so much to do, so many things to pack and so many places to notify. Heres some tips to help reduce the stress... https://www.moneyquest.com.au//the-best-way-to-manage-a-m/

02.01.2022 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/

02.01.2022 Are you of thinking of starting your own business? Maybe you'd like to purchase one soon? How will you fund your business? Do you know the difference between equity funding and debt financing? Reach out us, your local MoneyQuest broker today to talk shop. We do more than just home loans. Remember, we're finance specialists! ... #MoneyQuest #MoneyQuestBroker #BusinessFinance #BusinessOwner #HomeLoans #MortgageBroker

02.01.2022 Thank god its Friday right? Before you switch off for the weekend - if you are considering purchasing a car soon, watch our video! It could help you in the future...

01.01.2022 Are you self-employedDo yourself a favour, grab a coffee and take five to find out about the finance options available just for you https://www.moneyquest.com.au//alt-doc-loans-helping-the-/

01.01.2022 Here is some GOOD news stated by the Reserve Bank of Australia (RBA).... economists predict a stronger economic recovery is possible if faster progress in controlling the virus is achieved in the near term. A series of positive health outcomes would help limit the damage to consumer and business confidence and support a more rapid economic recovery. What does this finance mumbo jumbo actually mean HOPE IS ON THE HORIZON! The RBA has decided to continue holding the low ...rate of 0.25%, the minimum cash rate (or interest rate) that banks could apply to their financial products (home loans, credit cards etc.)! So, how does this benefit you? Let us tell you... Many banks are sharpening their home loan offering, keen to attract clients. This could potentially save you money by getting a lower rate as the lenders fight for your business. So, make the time and contact a Money Quest broker and let our experienced team help navigate your way through the many options now available!

01.01.2022 Thank god it's Friday right? Before you switch off for the weekend - if you are considering purchasing a car soon, watch our video! It could help you in the future...

01.01.2022 What are guarantors and guarantor home loans? A guarantor loan can help first home buyers buy a place of their own even with a small deposit. A (mortgage) guarantor is the person who provides the additional security for your home loan. Most lenders prefer the guarantor to be a close relative, often a parent. For more detail on how it works go to... https://www.moneyquest.com.au/news/what-is-a-guarantor/

28.12.2021 Juggling multiple debts at once can be a complicated and difficult process. Thankfully, a debt consolidation loan can potentially make this much easier! So what is debt consolidation you ask? ... Well, this is where you can combine all of your current debts into one package making it easier to manage your finances. Sounds great right? But before you jump ship, take a look at our infographic to understand the pros and cons that a loan like this can have. Does this sound like something you need? Get in touch with us today and let's see what we can do for you. #MoneyQuestAustralia #MortgageBroker #Finance #DebtConsolidation #InterestRates

18.12.2021 Are you an owner-occupier? Not sure? Well in this week’s What is Wednesday, Ellen from MoneyQuest is here to answer the question for you! In a rush? Here’s the short answer An owner-occupier is somebody who purchases a house with the intention they live in it. ... So if you’re goal is to unlock the Owner Occupier badge, reach out to us today via direct message or phone and we can help you on your way to homeownership! #MoneyQuest #MoneyQuestAustralia #WhatIsWednesday #MortgageBroker #HomeLoans #FinanceSpecialists #Finance #OwnerOccupier

09.12.2021 Another year has ticked over! Looking back over the last 365 days, we are grateful to be a part of an amazing community surrounded by wonderful people. We hope everybody is enjoying the new year in style! ... #HappyNewYear #NewBeginnings #2022

28.11.2021 From all of us at MoneyQuest, we want to wish you and your family a Merry Christmas! We hope you can enjoy this time with your loved ones!

24.11.2021 To rent or to buy, that is the question. If you have a generous deposit saved and you're considering all of your options, take a look at our handy rent vs buy calculator! Here, you can compare your current costs of renting with your expected costs of buying and see which one comes out on top over a selected period.... Click the link below to try it out for yourself! http://ow.ly/WOlj50H7JZ4 The calculation shown is an example only and does not take your personal circumstances into consideration. Consider all options available to you, seek professional advice and only choose an option you are comfortable with. #MoneyQuest #MoneyQuestAustralia #MortgageBroker #HomeLoans #Finance #Calculators

20.11.2021 What does all have in common? That's right, Summer is here! Summer in Australia is loved by many, but it also brings with it blistering hot days, long sweaty nights and the ever-lingering temptation of the air conditioner. ... So if you’ve been wondering - ‘how can I keep my house cool in summer naturally?’ - then you’ve come to the right place! Click the link below to learn 5 cost-effective and environmentally friendly ways to beat the heat and keep your house cool this summer. http://ow.ly/g93p50H3P3l #MoneyQuestAustralia #Summer #Holidays

02.11.2021 Our final cash rate video for the year is here! Ellen Matthews from MoneyQuest has crafted a little poem to remind you that we are ready and waiting to assist with your finance needs. However, if you’d prefer to hold off from making any moves until 2022, you can still use this time to plan ahead. ... And as we wind down after what has been an interesting year, be sure to take some time out to relax with your nearest and dearest! #MoneyQuestAustralia #MortgageBroker #Finance #RBA #RBACashRate #AustralianPropertyNews

21.10.2021 It's great to see that public perception of mortgage brokers and the work they do is changing for the better! In a recent article from MPA magazine, MoneyQuest managing director Michael Russell shares his thoughts on this shift in perception, highlighting that it has been brokers' unwavering commitment to change and their willingness to adapt that has earned them the respect of many. Click the link below to read the article ... http://ow.ly/BqYp50H2vN5 #MoneyQuestAustralia #MortgageBroker #HomeLoans #Finance #AusPropertyNews

19.10.2021 Have you heard? The Australian property market has been buzzing recently as APRA announced new serviceability buffer changes. So why has APRA increased the interest rate buffer?... APRA wants to ensure that the financial system remains safe and that banks are lending to borrowers who can afford their loan repayments both now and in the future. Keen to learn more? Click the link below to read all about this recent change and how it may affect you. http://ow.ly/32cr50GWPZk #MoneyQuestAustralia #HomeLoans #Finance #AustralianProperty #FinanceAustralia

17.10.2021 Are you a professional working as a...? Medical Practitioner Dental Practitioner Chiropractor... Veterinarian Optometrist Physiotherapist Lawyer Accountant We have access to several lenders who are currently waiving Lenders Mortgage Insurance specifically for YOU! Keep in mind, the amount you could actually borrow varies between lenders and their eligibility requirements. Contact us today to learn more. #MoneyQuestAustralia #HomeLoans #Lawyer #Accountant #Dentist

01.10.2021 Mortgage broker market share makes a move upwards! According to recent data released by research group Comparator (CoreLogic), that was commissioned by the Mortgage and Finance Association of Australia (MFAA), mortgage brokers are now writing more than two in every three home loans! The data highlights that mortgage brokers facilitated a record high of 66.9% of all new residential home loans between July and September 2021, this is incredibly encouraging for our industry...! To read the full media release, click the link below. http://ow.ly/JtTV50H1wW3 *MFAA owns the aforementioned data and its use* #MoneyQuestAustralia #MortgageBroker #HomeLoans #Finance #AusPropertyNews

16.09.2021 It’s time to learn, so go grab a coffee and let’s get those thinking hats on! We're back to help you understand all the industry lingo. Today, Ellen from MoneyQuest chats Introductory Rates. Often referred to as a Honeymoon Period, an Introductory Rate is the lower interest rate that you typically pay during the first 12 months after settlement.... So, if you’re in the market for a home loan and interested to find out more, remember you can also get in touch with us. We’re here to help you along your journey of homeownership! #MoneyQuest #MoneyQuestAustralia #WhatIsWednesday #MortgageBroker #HomeLoans #FinanceSpecialists #Finance #IntroductoryRate