MO'R Mortgage Options in Canberra, Australian Capital Territory | Mortgage brokers

MO'R Mortgage Options

Locality: Canberra, Australian Capital Territory

Phone: +61 2 6286 6501

Address: 19 Barry Dr Level 2 2612 Canberra, ACT, Australia

Website: http://www.mmo.com.au

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• Loan service
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24.01.2022 True story *And all part of our service when you review your loans with Greg (or anyone in our team for that matter)

24.01.2022 Following from the RBA rate cut last week, we've seen a number of lenders reduce their fixed rates. If you're thinking about fixing in some/ or all of your existing loan, reach out to us!

24.01.2022 Have you heard that 'responsible lending laws' are to be axed next year? What does it actually mean for you? Is it going to get easier to borrow money? Find out more here: https://mmo.com.au/responsible-lending-laws-to-be-axed-wha/

23.01.2022 Knowing the difference between deductible and non-deductible debt can significantly improve your cashflow, investment opportunities and overall financial position. Whilst we always suggest you have the important tax-related conversations with your accountant, heres a few things to point you in the right direction: https://mmo.com.au/what-makes-your-debt-tax-deductible/

22.01.2022 Do you know what concessions are available to you as a first home buyer? Whilst well help you determine what you may (or may not be) eligible for personally, heres a summary for you: https://mmo.com.au/first-home-buyer-concessions-you-should/

22.01.2022 Thinking of adding to your family over the next little while? Whilst reviewing your loan may not automatically come to mind as something else that needs to be done, heres why its important. doesnt Heres another thing for your to-dolisthttps://mmo.com.au/something-else-to-add-to-your-planning-for-a-baby-to-do-list/

21.01.2022 Treasury have released further details about the Home Builder Scheme. Find out more here: https://mmo.com.au/are-you-eligible-for-the-25000-homebuil/

21.01.2022 Clients sometimes preface their questions with an apology - "Sorry for the silly question, but...." The thing is though, we honestly believe there is no silly question. And we welcome every.single.question you have for us. Want to know why? ... Well firstly, we LOVE answering questions. Its our favourite thing to do. Were here to educate and provide you with all the info you need to make sound decisions. And secondly, if you had no questions for us... wed probably need to offer you a job!

20.01.2022 Key words for us: - "clear explanations" - "super efficient" - "how easy the process was"... Words that confirm to us were just doing our job

19.01.2022 Now that we're *almost* half way through the year, how are you going with those finance resolutions you set way back in Jan? (Can't remember what they were?! Maybe it's time to review things) https://mmo.com.au/3-quick-and-easy-finance-resolutions/

19.01.2022 Youve found a property you like and have spent some time chatting to the agent. But youre not quite sure where to go from here. Or whether youve asked all the questions you should ask ... This might help: https://mmo.com.au/questions-real-estate-agent/

18.01.2022 Everything you wanted to know about Family Guarantee loans - except how to convince your parents to go for it* Read it here: https://mmo.com.au/what-is-a-family-guarantee-loan-or-limi/ * Edit: Obviously this is intended as a tongue-in-cheek comment and we would never suggest any party enters into a guarantor agreement without fully supporting the proposal. In the majority of cases we see, the Guarantors actually initiate it.

18.01.2022 When we say were here to support you over the long term, we actually mean it.

18.01.2022 Nothing better than pictures like this! Congratulations to Sharon Robinson and John Burgess, who bought their new home this past weekend at auction. We couldnt be happier for you! - with Karen Ajaye

18.01.2022 Would you like to hear your friend describe the process of purchasing their house as "easy" and "stress-free"? Easy peasy... just send them our way!

18.01.2022 It's been an interesting year for the Canberra property market, with agents needing to quickly adapt and change the way they conduct open homes, auctions and even run their businesses at times. After such a big year, so it's nice to take stock and celebrate as an industry. Congratulations to the Winners and Finalists of the 2020 REIACT Awards! Find out more here: https://www.allhomes.com.au//celebrating-a-year-unlike-an/

18.01.2022 It might seem like were asking you to provide a lot of information before we can assess your borrowing capacity. We appreciate the effort it takes to provide us with this information. And we appreciate it can seem like a bit of a hassle.... ... we promise you its worth it! Sure, you could probably find someone else who wont ask half the questions we do initially.... Sure, you could probably find someone who wont ask you to provide any documents before telling you how much you can borrow. But we believe you deserve information you can *actually* rely upon. We also believe that if youre going to the trouble of submitting a loan application with a particular lender, you can expect theres a good chance itll be approved. If were being completely honest, trawling through loan statements, bank statements and credit card statements to ensure there are: no gaps in dates; all account numbers are evident; and the running balances are visible, isnt the most enjoyable part of our job. But you come to us because you want information you can trust. Weve spent two decades honing our processes to ensure thats *exactly* what you get from us - from ANY member of our team... just like all these clients did.

17.01.2022 If you missed our post about the importance of talking to us early on in the buying process (because youve been spending all your time searching allhomes.com ), were sharing it again below. Heres the short version for those of you keen to get back to the property search Talk to us today, else you could miss out on that property.... Leave your details here and well be in touch: https://mmo.com.au/new-client-enquiry/

16.01.2022 Community Service Announcement: With interest rates as low as they are right now, if your income hasnt changed over the last few months, you *should* be using this time to get ahead on your loan. Not sure how to do that? Then please reach out to us by following this link: https://mmo.com.au/new-client-enquiry/ ... Were here to help!

15.01.2022 If you know of someone whos looking to buy their first home, make sure you share this link with them. Its packed with information first home buyers are going to find useful. Alternatively, just get your friend to call us ;) https://mmo.com.au/buy-first-home-in-canberra/

15.01.2022 With some lenders still taking a little longer than usual to assess applications and prepare loans for settlement, its important that when you make your offer, you agree to a settlement period that is achievable. In other words, please talk to us before submitting an offer. We can help you determine whether what youre agreeing to is realistic, given the current processing times of your specific lender. Read more about the importance of negotiating the right settlement period here: https://mmo.com.au/negotiating-settlement-period/

15.01.2022 Homeowners who have never used a mortgage broker before are often surprised at everything we do as part of our service. Yes - well compare your lending options against your personal goals and objectives. Well do all the running around, run all the facts and figures and explain them all in a way you understand. Yes - well negotiate better rates for you.... Yes - well handle all the paperwork. Yes - well liaise with your solicitor to ensure settlement happens when its supposed to. Yes - well check the loan contracts (and explain all the boring bits to you) BEFORE we let you anywhere near with them a pen. Yes - well confirm with the lender that all your new accounts are working correctly once everything settles. And yes - well be in touch regularly to ensure your rates dont creep up. Its all part of our job.

15.01.2022 If youre keen for a bank account that: a) can help you save interest on your home loan b) gives you full access to your funds at any time c) can be used as part of a broader debt preservation strategy if your home is likely to become an investment property one day... ... ... then an offset account might be the way to go. Find out why here: https://mmo.com.au/what-is-an-offset-account-and-is-it-w//

15.01.2022 If youve been thinking about building or undertaking renovations, this news is likely to be of interest...

15.01.2022 We know its human nature to leave things until the last minute. But in this current climate, if youre even half-serious about buying a property this year, you need to talk to us sooner rather than later. Besides doing wonders for your stress levels (and putting you in the position where you can *actually* buy a house!) heres another three reasons why you need to talk to us this week.

14.01.2022 The most rewarding part of our job is helping clients to realise what's possible. And then help them to achieve it, over time. What can we help *you* with?!

13.01.2022 Ever wondered what the term "loan serviceability" actually mean? Whilst youll never need to calculate it for yourself (because thats our job!), heres an insight into everything we take into account when working out how much you can borrow. https://mmo.com.au/what-does-serviceability-mean-how-do-yo/

12.01.2022 With a few race-to-exchanges and last minute meetings to sign Loan Contracts, we made it! After a massive year, our office is now officially closed for the year. A big thanks to our amazing clients! 2020 has been a year like no-other and we're incredibly grateful for all the referral support you have shown us this year. We're incredibly proud of our team who continued to deliver strong outcomes for our clients, despite all the challenges thrown at them.... Whilst our office is officially closed from this afternoon to 11 January, we're of course looking after in-flight applications over the break. So, if you have an application on the go and need to reach us, please email your broker directly. We wish you a lovely Christmas and holiday break and look forward to seeing you next year.

12.01.2022 Making things stress-free for our clients is our speciality! If you know of someone whos a bit stressed right now, trying to deal directly with the banks, make sure you let them know we can help.

11.01.2022 From 6 weeks to 6 months and all the way through to 16 years (for some of our existing clients!) We actually mean it when we say were here to support you over the long term.

11.01.2022 Feeling like you do could with a little more space at home? It appears you're not alone with CommSec's Home Size Trends report finding that Australians are now wanting (and building) bigger homes. Read more here: https://www.businessinsider.com.au/australian-house-sizes-b

09.01.2022 Yes - as of 1 July the First Home Loan Deposit Scheme opened another allocation of places to assist first home buyers get into the property market. Also yes, the number of buyers who will actually secure a spot, is only a fraction of the amount of first home buyers hoping to buy property this year. Find more about eligibility here: https://mmo.com.au/first-home-loan-deposit-scheme-spots-op/

08.01.2022 We share lots of posts about how to buy your first home or upgrade to something bigger, so it's easy to see how you might think that we can only help you if you're looking to buy. However, helping clients with their property purchase is only *part* of what we do. We get equally excited about helping families save on their home loans. Because nothing pains us more than seeing home owners hand over more money to their lender than they need to. Thinking you could be paying too m...uch? Then it's time to reach out to us. See more

08.01.2022 Youll discover a whole lot of mortgage options you perhaps hadnt considered, simply by talking to us. Just like Christine did.

08.01.2022 So the property you like is being sold for Auction. The problem is youve never been to an Auction before and youre not quite sure how to go about it. Dont worry - weve got you covered.... https://mmo.com.au/buying-canberra-property-at-auction/

08.01.2022 So youre at a private house showing, having just finished admiring the new bathrooms at this particular property. You walk back into the living area, where the real estate agent is waiting for you. "Have any questions?" they ask. Heres a few we suggest you add to your list: https://mmo.com.au/questions-real-estate-agent/

08.01.2022 No one likes to pay more than they need to for something. But the tricky thing with home loans, is that its not always obvious how much money youre throwing away by keeping things as they are. Thats where we can help. Leave your details here: (https://mmo.com.au/new-client-enquiry/) and well be in touch to see how much we can save you.

06.01.2022 Getting a well structured, well priced home loan is considered the baseline here. Because, well... we aim much higher than that. So when we get a little notification to say a client has left us a google review - a 5 star review no less - THATS when we feel like weve done our job. (P.S Thanks for your kind words, Lily!)

06.01.2022 Some buyers come to us ready to buy, with already a property in mind. We help to establish a pre-approval, support them through the process of making an offer and roughly 30-45 days (depending on the Settlement period negotiated), theyll have the keys to their new home! With others, its a little longer. Perhaps youre still saving your deposit. Perhaps youre purchasing off the plan. Perhaps, you just cant find the right property to buy. Either way, were here to help. For as long as you need us (which btw extends long past the day you pick up your keys), well be with you every step of the way.

05.01.2022 Are people still buying property in Canberra? Yes! And with Springtime just around the corner, we expect there will be more buying opportunities due to an increase in listings. If youre hoping to purchase a new home this year, we suggest you read our post below. Make sure you understand how COVID19 is affecting the lending environment, so youre well prepared to act when you hit refresh and your dream home appears. https://mmo.com.au/how-is-covid-19-affecting-lending-and-w/

04.01.2022 If youre thinking of a fixed rate, there are a few things to consider (besides the actual rate, that is). Not sure what they are? Heres a post that might help: https://mmo.com.au/is-now-a-good-time-to-lock-in-a-fixed-r/

04.01.2022 Its not hard to understand why experts believe the cash rate will remain low until 2023. The real question is, what are *you* going to do about it? https://mmo.com.au/cash-rate-likely-to-remain-low-until-20/

04.01.2022 Are you house hunting but find the prices just keep rising? You're not the only one... https://mmo.com.au/australian-property-price-growth-fastes/

03.01.2022 Were just going to leave the below post here for you to take a look at. (And if you find yourself nodding in agreement? Well, you know what to do! ) https://mmo.com.au/if-you-can-nod-your-head-to-any-of-thes/

03.01.2022 Its no secret - there are some attractive rates floating around at the moment and weve been busy helping oh-so-many of you explore your refinancing options. Is it time we helped you too?

03.01.2022 Whilst It may seem a bit painful to look into your refinance options (and something you don't really have time for), what if it ended up saving you thousands/ year in interest costs. Plus, there are still lenders offering refinance rebates. So, in addition to the potential interest saving, you could get a nice little $2K + bonus of top of that.... all for a little bit of life admin. We're here to help!... https://mmo.com.au/homeowners-are-refinancing-in-record-hi/

03.01.2022 Our monthly update was emailed to clients just over a week ago now and based on all the emails weve received, youve all had fixed rate loans on your mind. Here is the post we shared about fixed rates in case youve been thinking about switching too.

02.01.2022 What is a "bank valuation"? And why do you need one? https://mmo.com.au/bank-valuation-need-one-can-comes-back-/

01.01.2022 You dont normally hear someone describe purchasing a house as "easy" and "stress-free." Unless theyre a client of ours, that is!

01.01.2022 If youve got a friend who needs someone who will have their back as they purchase their next home, wed love to help them too! (So make sure you tell them about us! )

01.01.2022 "My parents are happy to go guarantor," your work colleague says, as they talk excitedly about the house they found on the weekend that theyve fallen in love with. Not sure what "going guarantor" actually means? Or maybe you want to know if its something that could be suitable for you, too?!... Then check out our post right here: https://mmo.com.au/family-guarantee-right-loan/

01.01.2022 NSW and Victoria have unveiled changes to stamp duty this week, and there’s hope it’ll inspire other states to review their own stamp duty arrangements. Find out more here: https://mmo.com.au/will-stamp-duty-be-stamped-out-stamp-du/