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MoneyQuest

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24.01.2022 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 let’s chat.

24.01.2022 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-/

23.01.2022 Who else is vibing this? A message to those who have persevered through the challenges of 2020... Stay strong!

23.01.2022 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

23.01.2022 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/2LMe50ECVFV... #MoneyQuestAustralia #MoneyQuest #MoneyQuestBlog #PropertyChecklist

22.01.2022 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/KYrl50ED4TV... #MoneyQuest #MoneyQuestAustralia #MortgageBroker #Puppy #Home #Furbabies

21.01.2022 Are you self-employed and looking for a home loan? A MoneyQuest broker can assist you with loan products that have alternative methods to validate income! It’s definitely still possible to secure a home loan and continue to work for yourself. Let us help you!... Do you know someone who is self-employed and needs a little home loan help? Tag them below #MoneyQuest #MoneyQuestBroker #Self-Employed #HomeLoans #MortgageBroker

20.01.2022 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/

20.01.2022 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/FqtD50ED2pj ... #MoneyQuest #MoneyQuestAustralia #MortgageBroker #EOFY #PropertyInvestor

20.01.2022 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

20.01.2022 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

19.01.2022 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.

19.01.2022 Have a great week!

18.01.2022 Are you finding it challenging getting a home loan approved? Whether it be your first loan or refinancing an existing loan, let’s chat to see what we can do together!

17.01.2022 Thanks Belinda, it was my pleasure!

17.01.2022 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 Shoes and blankets and stationary- 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/7RYg50ED34q... #MoneyQuest #MoneyQuestAustralia #MortgageBroker #Storage #StorageSolutions

16.01.2022 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)

15.01.2022 Thank you, Marriell. Happy to help, appreciate the kind words. Regards Nigel Ferreira

15.01.2022 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 answers Whether 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

15.01.2022 An oldie... but a goodie! #youcandoit

14.01.2022 Are you interested in knowing how much you might be able to save with a lower home loan interest rate? Well, this calculator will help. Here’s what to do: 1. Click this link http://ow.ly/vppx50Ch2Er 2. Enter your loan amount & term in the common loan fields. 3. Enter your existing loan info into the Loan 1 fields.... 4. Enter the lower rate info into the Loan 2 fields. 5. View the results just below the loan tables. 6. Call a MoneyQuest broker (us). Important Note: The results shown are a guide, your specific home loan needs are to be taken into consideration, and that’s where we come in. There are hundreds of options available, and yes rates starting with a 1. So, now go through the steps above and we will speak soon

14.01.2022 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/

13.01.2022 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

13.01.2022 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!

12.01.2022 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/Ghh050Exo1H... #MoneyQuestAustralia #MoneyQuest #MoneyQuestBlog #EnergyTips

12.01.2022 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/fFOS50F2Ey0 ... #MoneyQuest #MoneyQuestBroker #MoneyQuestTips #CarFinance #NewCar

11.01.2022 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

10.01.2022 Are you self-employed... have you considered applying for an Alt Doc loan It's common for self-employed to be unable to meet the standard loan documentation requirements of the big banks and other lenders'. This is because these loans primarily target PAYG workers, who can provide the documentation required. Self-employed borrowers have specific financial circumstances with specific documentation, which often necessitates an Alt Doc loan.... So, if you are self-employed and struggling with getting residential or commercial finance, give us a call to talk through your options what do you have to lose

10.01.2022 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/

10.01.2022 Is the thought of buying your own home a little daunting? Are you putting it off because it seems too hard? Why not talk to the right people who could help make the hard possible!

10.01.2022 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 they’ll organise the rest. That sounds better!

09.01.2022 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/jVym50CvSrj

09.01.2022 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

09.01.2022 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/

08.01.2022 About to start? #MoneyQuestAustralia #MoneyQuest #Renovations #Memes #FunnyMemes

07.01.2022 What is debt consolidation Instead of paying off several debts at varying interest rates, we can consolidate your debts into one loan with the purpose of paying a lower overall interest rate and (usually) making only one monthly repayment. Why consider debt consolidation Easy. Simplify your debt. Pay less interest. Debt consolidation loans are not just for people who are struggling financially. Many people across the financial spectrum can benefit from debt consolidation.... What to consider... Is debt consolidation right for you? Are you eligible for a debt consolidation loan? Will debt consolidation affect or improve your credit rating? How long will you be making the consolidation payments? Not sure of the answers Pick up the phone and let's chat. What do you have to lose? Contact us, your local MoneyQuest finance specialists, to discuss debt consolidation.

07.01.2022 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

06.01.2022 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/LqHY50F0JUd... #MoneyQuest #MoneyQuestAustralia #MoneyQuestBroker #MoneyQuestTips #HomeLoans #MortgageBroker #WinterGardening

06.01.2022 Well, who would have thought Home loan interest rates starting with a 1. Yes, you read it right - a ONE!! With the recent announcement of the drop in the cash rate (from the Reserve Bank), some lenders have started to announce rate changes on some of their products. Does your home loan interest rate start with a 1 No? Then it’s time we had a chat to see if we can find you a better ONE (pardon the pun) Oh, and as with all loans T&C’s apply, but we’ll let you know what they are.

06.01.2022 #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

06.01.2022 Thanks, Jason. It was my pleasure being able to help you buy your first home

06.01.2022 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

06.01.2022 Identify your 'one thing'!

05.01.2022 We are definitely feeling those weekend vibes... sunny days, icy cold drinks and of course a sizzling barbie . Yes, it’s time to gather round your family and friends and crank up that BBQ. But if you’re feeling like your outside space isn’t quite ready for launch day just yet this might help, our latest blog how to get your outside space BBQ friendly and ready for summer Check it out here http://ow.ly/Toq150Cd8RF

05.01.2022 Why refinance? You could save money! Put simply, refinancing involves paying out your current loan and taking out a more favourable one. Choosing a bank may be a very big decision, but it doesn’t have to be a lifetime one.... To find out more, talk to us, your local MoneyQuest finance specialists.

05.01.2022 Who made the rules when it comes to home maintenance? Why does Spring get all the credit? We think it's Autumn's time to shine ... Get involved by following our handy tips Check out our blog http://ow.ly/MTG150ExnBA #MoneyQuestAustralia #MoneyQuest #MoneyQuestBlog

04.01.2022 A little humour for your Monday...who else feels the same?

04.01.2022 To RELOCATE or to RENOVATE, that is the question If you’re thinking of making a change to your living arrangements and confused about what to do, make sure you read this https://www.moneyquest.com.au//relocate-or-renovate-5-way/

04.01.2022 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

03.01.2022 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, it’s still possible to secure a loan and purchase your dream home (within reason of course). Like to know more

03.01.2022 IMPORTANT ANNOUNCEMENT Attention Victorian Home Buyers - did you hear the great news?? Stamp Duty discounts until June 30, 2021 That’s right! At the state budget announcement earlier this week, the Victorian Government shared they would waive 50% of stamp duty costs on newly built or off-the-plan homes valued at up to $1 million Existing homes will be eligible for a 25% waiver. Another great reason to talk to your local MoneyQuest mortgage broker (us) to discuss turning your dream of home ownership into a reality

03.01.2022 Today is a day to reflect on what it means to be Australian. To acknowledge and respect our history. To celebrate all the things we love about Australia: land, sense of fair go, lifestyle, democracy, the freedoms we enjoy but particularly our people. Happy Australia Day!

03.01.2022 To all our self-employed business owners - resilience is key, keep on going!

03.01.2022 MoneyQuest South Yarra helping source finance for this beautiful Mansion in Glen Waverley . Would you like to live in a mansion like this ? Call us on 0423 106 419 or email us on [email protected] ... https://www.realestate.com.au//property-house-vic-glen+wav See more

03.01.2022 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)

02.01.2022 Keen to renovate but not sure where to begin Reality shows make it look so easy, right A quick design scribbled out on a napkin over a coffee, and the next minute the builders are in pulling down the walls. It takes a little bit longer in the real world here’s what you need to help make that dream reno a reality https://www.moneyquest.com.au//keen-to-renovate-but-not-s/

02.01.2022 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

02.01.2022 From our family to yours...

02.01.2022 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 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/

01.01.2022 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 )

01.01.2022 What kind of distorted reality is this? Moving and they're...smiling? Laughing? I need to understand this sorcery Are you an easy-breezy mover? What do you do to make moving house less stressful?... #MoneyQuestAustralia #MoneyQuest #MovingHouse #MovingHouseTips #MortgageBroker

01.01.2022 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?