Vanessa Bell in Rozelle, New South Wales, Australia | Mortgage brokers

Vanessa Bell

Locality: Rozelle, New South Wales, Australia

Address: P.O. Box 451 2039 Rozelle, NSW, Australia

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

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24.01.2022 Thank you Peter for such a delightful review; we are glad we were able to help make your dream come true #vanessabell #thankyou #dreamcometrue #feedbackfriday

24.01.2022 When it comes to finances, there is one thing you simply cannot buy and that’s good money habits from an early age. Just like riding a bike or learning a second language, some things are just easier to pick up when you’re little. Here are some top tips for instilling good money habits in your kids https://mozo.com.au//how-to-teach-kids-the-value-of-dollar... Grown up already and thinking of investing? Give us a call today. 1300 844 270 #vanessabell #kidsandmoney #GoodMoneyHabits

23.01.2022 This lovely family home in Balmain is one of the properties sold by Mark Bowis - Real Estate Agent , from Cobden & Hayson Real Estate. An agent with 16 years experience in the Inner West, focused on the Balmain peninsula, Mark understands what a privilege it is to represent them in the sale or purchase of their most valuable asset. Check out Mark’s current listings here ... https://www.ch.com.au/markbowis/ If you need a loan to purchase your dream home or invest for your future, please don’t hesitate to give us a call. 1300 844 270 #mortgagebrokersydney #cobdenandhayson #dreamhome #realestatesydney

22.01.2022 Happy Friday everyone! Feeling like a holiday or a renovation but don't have the budget in these crazy times? Follow the link, answer a couple of questions and you'll be in the running to win $7,500! Yes... it's that easy! ... https://yourchancetowin.com.au/1b0929cd

22.01.2022 What would you do with $7,500? All you need to do is click here and answer a few questions. https://yourchancetowin.com.au/1b0929cd... Get in quick, ends 28th Oct! #vanessabell #competition #winwinwin

21.01.2022 , . As a mortgage broker, I act in your best interests when recommending a home loan, whereas a lender sells you their products. Get in touch today to see how we can help you. 1300 844 270... #vanessabell #mortgage #mortgagebroker #brokersworkforyou

21.01.2022 When taking out a mortgage, many people forget to consider the associated fees and expenses. Here are some of the extra costs that you’ll need to consider when you take out a home loan. Home loan application fees Most lenders charge a home loan application fee. This can range from loan to loan, and covers: - Loan contracts ... - Property title checks - Credit checks - Attending a settlement Mortgage fees and costs - Mortgage establishment fees - Property valuation - Mortgage deed registration with the government - Mortgage stamp duty (in some states) - Lenders mortgage insurance usually required if you don’t have 20% of the purchase price or the value of the property Property fees and costs - Building, Pest and Electrical Inspection fees - Stamp duty to transfer the ownership of a property - Registration of transfer fee at the Land Titles Office - Legal fees - Home & contents insurance - Life & income protection insurance - Utility costs - Council Rates - Water Rates - Body corporate fees If you buy an apartment or Strata Titled property - Maintenance costs Give us a call to learn more about the costs of buying a home, so there are no surprises! 1300 844 270 #vanessabell #homeloans #brokersworkforyou #mortgage #housebuying #australiaproperty

18.01.2022 From everyone in the Vanessa Bell team: thank for your continued support, especially this crazy year! We hope you enjoy spending a relaxing time with your friends and family this holiday season. Have a very Merry Christmas and all the best in 2021 #vanessabell #happyholidays #merrychristmas #bestwishes #thankyou #staysafeandhealthy

17.01.2022 This beautiful top floor apartment, located in the popular 'Magnolia Terraces' and just a short walk away from vibrant Glebe village, was recently sold by Robert Clarke of award-winning Belle Property Annandale. Robert easily connects with both buyers and sellers and continues to nurture a successive stream of long-lasting client relationships. Check out his current listings by following the link in the comments below #vanessabell #mortgagebrokersydney #belleproperty #dreamhome #realestatesydney #sydney

17.01.2022 If you come across the home of your dreams, or an ideal investment property, it would be a shame to miss out on it because you don't have your finances sorted. Avoid the rush and stress by getting a - now, so you can move quickly to make an offer on the property you love. It's important to note that many lenders are currently taking two weeks to a month to assess applications, so it's even more important to get your paperwork and pre-approval ready and lodged to ...avoid stress and be in a position to act quickly. Get in touch if you need a hand with your pre-approval application, simply follow the link in the comments below #vanessabell #brokersarebetter #preapproval

17.01.2022 It’s never a bad idea to have a little help managing your money. Here’s a list of apps and tools designed to help you budget, save and track your finances. Budgeting and Tracking One great way to keep close tabs on your financial health is by using apps or tools such as Pocketbook, Moneytree or YNAB (You Need A Budget).... Paying Bills Being late can cost you late fees and potentially impact your credit rating. To stay on top, check out Easy Bill Pay or Splitwise. Mortgage Calculators If you’re in the market for a mortgage, the first step is knowing how much you can borrow and what your repayments might be. Many lenders provide online calculators to help you work out the details. So does the Australian Government’s Moneysmart site. Investing Raiz is one example that aims to turn everyday Aussies into everyday investors. Tax Payments One way to make sure your financial situation stays in tip top shape is by keeping your tax payments and tax returns always up-to-date. Check out the ATO app. Don’t forget that these are just some examples of what’s available. It’s always best to do your research, read the fine print and consult an expert for dedicated advice. For more concrete answers, give us a call 1300 844 270 #vanessabell #mortgagebrokersydney

17.01.2022 How about a more sensible approach to spending this silly season? Here’s a few tips to help you keep things under control. Remember, Santa should be the only one heading south this Christmas, not your finances! 1 Set a Christmas budget Be sure to include the costs of meals, entertainment, gifts and festive wear for your Christmas party circuit. ... 2 Know your triggers Enjoy a little late-night online shopping? Turn your phone off at dinnertime. Get embroiled in the last-minute Christmas shopping frenzy? Do your shopping early. Take cash with you to the shops and to leave your credit card at home. 3 Embrace sentimental gift-giving You could opt for a family photo, get crafty, bake or make your own redeemable vouchers for tasks like babysitting. 4 Suggest a Secret Santa exchange When you have a big family, gift-giving costs can really add up. Why not suggest a Secret Santa exchange instead? Here’s how it works. Each family member draws a name out of a hat and buys a gift for that person anonymously. The benefit is you can set a spending limit and everyone receives a gift. I’d be interested to hear about your cost-cutting ideas for Christmas, especially this year! Please share in the comments below #vanessabell #christmastips #christmasbudget #savemoney

17.01.2022 Australians are showing more confidence in the property market, new auction figures have revealed. There were 14,216 auctions held in the capital cities during the September quarter, according to CoreLogic. That was up from 13,783 in the June quarter. The clearance rate (the percentage of properties put up for auction that actually sold) also rose, from 47.9% in the June quarter to 59.2% in the September quarter.... The clearance rate statistics from the different markets were: Canberra = 78.8% from 746 auctions Tasmania = 64.3% from 14 auctions Sydney = 63.1% from 8,147 auctions Adelaide = 62.2% from 734 auctions Melbourne = 51.0% from 3,320 auctions Brisbane = 44.5% from 1,057 auctions Perth = 28.6% from 198 auctions Why did the auction statistics improve in the September quarter? It probably reflects growing consumer confidence, with Australia increasingly getting on top of the coronavirus problem. Planning to buy? I can help you get a loan. Book your session now https://calendly.com/bookwithvanessabell #vanessabell #propertyinvestor #sydneyrealestate #auctionhouse

16.01.2022 ! In case your New Year resolutions include a bit of interior design, here are 5 new trends we'll be seeing this year: 1 Antibacterial Materials 2 Bricks 3 Adaptable layouts... 4 Nature as saviour 5 Biodesign furniture Read more here https://www.bhg.com.au/home-design-trends-2021 #vanessabell #mortgagebroker #propertyinvestor #brokersworkforyou #homedesign

15.01.2022 Staying loyal to your bank could cost you thousands of dollars, according to the new Reserve Bank of Australia data. At the end of August, there was a gap of 0.29 percentage points between existing variable owner-occupier mortgages and new ones. And this could be more now that the RBA have reduced the cash rate to 0.10% and some banks have chosen not to pass the savings on. There are two ways you can avoid paying this 'loyalty tax':... Negotiate a rate cut with your existing lender Refinance to a new lender with a lower-rate loan If you do refinance, make sure the loan you're switching to doesn't revert to a higher interest rate at a later date. Banks compete hard for new customers, but sometimes take existing borrowers for granted, so the longer you stay with one lender, the more likely it is your loan is uncompetitive. If you’ve got a steady income and you’ve built up equity in your home, you could potentially refinance to a loan with a lower interest rate and lower fees. Book your session now and we'll check this out https://calendly.com/bookwithvanessabell #vanessabell #mortgage #propertyinvestor #mortgagebrokersydney #propertyinvesting

14.01.2022 Considering transforming your home from ‘bland’ to ‘brilliant’, but lack the funds to support your makeover? We’ve rounded up five home renovation finance options that could help turn your dream into reality. 1 Equity Release / Top Up Home Loan This is probably the most common way people borrow money when they want to renovate. ... 2 Construction loan If you're planning to completely transform your home and undergo a major makeover, this may be a good option as you can spread the cost over a longer period of time. 3 Line of credit You can establish a revolving credit line that you can access whenever you want to up to your approved limit. This product feature is great if managed well, but can also be a trap if not seriously considered, as your limit will never change. 4 Personal loan If you’re only making minor renovations personal loans are usually capped at around $30,000 this might be suitable. 5 Credit cards This option should only be considered if you want to undertake really small renovation projects. The HomeBuilder $25,000-grants program is also still active until 31 December 2020 If you want to discuss your options, give us a call now. 1300 844 270 #renovation #housemakeover #homebuilder #constructionloans #personalloans #homefinance

13.01.2022 ! Thought we'd get in early ; ) #vanessabell #australiaday #australianwayoflife

13.01.2022 Dr Andrew Wilson shares his thoughts on the . Are you ready to buy or sell? Give us a call today - 1300 844 270... https://www.linkedin.com//dr-andre/detail/recent-activity/ #vanessabell #propertyinvestor #mortgagebrokersydney

13.01.2022 Thank you for such positive feedback Tara! We're so glad the team were able to help and make it a stress free experience. We hope you enjoy your new home! Contact us anytime for a free consultation, and we'll work together to find the best solution for you. ... https://calendly.com/bookwithvanessabell #vanessabell #feedbackfriday #friyay

11.01.2022 Currently a record 29 lenders are offering cashback deals for homeowners looking to refinance their mortgage more than double the number available before the COVID-19 pandemic impacted Australia. Savings span between $1,000 and $4,000 for average mortgages; as of 27 October, each of the big four banks are in on the action and more competitive than ever. If you’ve got a good track record of paying down your debt and a steady job, there’s a good chance refinancing might put ...you ahead. Need some help with the maths? Book your complimentary chat now https://calendly.com/bookwithvanessabell

11.01.2022 When was the last time you reviewed your home loan? It is important to regularly check your existing home loan to see if it still works for you or if it’s time for a home loan refresh. Do you know if your home loan still fits your property goals for this year? As your mortgage broker, we can help you achieve your property goals for 2020. Do your goals include the following? - Buying your first home... - Buying and moving into your next home - Investing in property - Improving management of your expenses and cash flow - Renovating your current home If you have other property goals in mind, let us know so we can discuss the right strategies and develop an action plan, giving you the right information and resources you need. We can also review your existing home loan to make sure you're getting the best rate and check it is still in line with your financial and property goals. And if you need refinancing, we can assist you in selecting an option suited to your needs. Get in touch today to get started with your annual loan review. https://calendly.com/bookwithvanessabell

10.01.2022 , : 1 Step 1: Discovery Session Reviewing your goals Understanding your financial profile... Discuss limitations and opportunities 2 Step 2: Strategy Session Assessment of your financial position and constraints, property acquisition and/or investment options Recommendation and comparison of your current vs forecasted post-financial plan position, including financial impacts and risk assessment Strategy check of your lender and options 3 Step 3: Finance Application Completing and checking all documents Liaising with all stakeholders - banks, real estate agents, conveyancers, financial planners - on your behalf 4 Step 4: Annual Review Review of current lending and opportunities , . Chatting about your options is obligation free, so get in touch today: 1300 844 270

09.01.2022 The proposed slashing of NSW stamp duty taxes has many pros and cons, which are good to think about if you're planning to either enter the property market or expand your property portfolio in the coming year. We believe many people are likely to choose the deferred option, which benefits buyers as they'll have more cash to put into the property purchase, rather than being hit with a lump sum during what is already an expensive time. But on the flip side, could reducing stamp... duty actually push house prices up, because purchasers will have additional money? Realistically, these changes are unlikely to occur until mid-next year at the earliest, so stay in touch for the latest updates and news. Book your session here https://calendly.com/bookwithvanessabell #vanessabell #mortgage #propertyinvestor #stampduty

09.01.2022 Whether you live in your home or are an investor, lender competition for your mortgage is heating up, particularly after the recent RBA rate cut, with deals including: 2.19% pa Owner Occupied 1-Year Fixed Home Loan Rate (2.60% pa comparison rate) 2.59% pa Investment 1-Year Fixed (2.86% pa comparison rate)... If you're paying more than this, give us a call today. It's not all about rates, but we will review your full lending situation to find the right loan and structure to meet your goals. 1300 844 270 Check out our videos for savings our clients have recently achieved https://www.youtube.com/channel/UC98OMNdKsMbm9IaAhobf4eA

09.01.2022 Home loan approval times are delayed with a lot of banks and lenders, and now we're in the lead up to Christmas, Solicitors are also going to take time off, further exacerbating this lead time. Some banks can still get things through, but which ones and how do you know that? That's our role to help you.... If you've got a contract in play and a finance or a settlement clause between mid-December and mid-January, this could affect your loan. Reach out and let's have a chat. 1300 844 270 #vanessabell #propertyinvestor #mortgagebrokersydney #sillyseason

07.01.2022 With the RBA dropping rates to 0.1% yesterday, we may soon be seeing home loan rates in the 1% and more cash back offers of $4,000. It's time to chat about your options! 1300 844 270... #vanessabell #interestrates #mortgagebroker

07.01.2022 This impeccable contemporary home in the center of historic Lilyfield was recently sold by Lynsey Kemp - Belle Property Balmain. A Balmain peninsula and Inner West sales specialist for over 20 years, Lynsey has sold over $930million of real estate in Balmain and neighbouring suburbs, and has an impeccable reputation for excellent results and outstanding customer service Check out her current listings here ... https://www.belleproperty.com/listings/ Give us a call if you need help with your loan, that’s what brokers do! 1300 844 270 #vanessabell #mortgagebroker #propertyinvestor #mortgagebrokersydney

06.01.2022 ? Is now the perfect time to buy a property? People are always waiting for the ideal time in the market to buy property. They’re waiting for the lowest possible point in the property market. They’re waiting for the lowest possible interest rate in the market. They’re waiting for the best possible deal that they can get.... Don’t try and guess the market. Get into the property market as soon as you possibly can, and with your first opportunity to get into the market, move forward. Make that decision to move forward. Don’t hold back because the market is going to change in six months. It’s also going to change in 12 months, two years, and three years, and look very, very different to how it does today. Read more here http://www.vanessabell.com.au/whens-the-right-time-to-buy/ And take that first step to moving forward by giving us a call! 1300 844 270

05.01.2022 #FeedbackFriday A HUGE thank you to our amazing client Ernie for sharing such a #positivefeedback We are thrilled we were able to give you a stress-free experience. Contact us anytime for a free consultation, and we'll work together to find the best solution for you. Link is in the comment section. #vanessabell #feedback #positivefeedback #happycustomer

04.01.2022 The Treasurer has today announced significant new credit changes that will make it easier to obtain credit by allowing a self-assessment of your discretionary and non-discretionary expenses. It will take some time for banks to implement these changes to their policies but we believe it’s a positive outcome and may allow more people to get into property for the first time or further invest in their future. https://www.facebook.com/Sunrise/videos/3300902040029249

01.01.2022 We love what we do every day, assisting clients with their property portfolio goals. If you are considering investing in a property and need help with your loan, reach out to us, we'll be happy to help! Book your session here ... https://calendly.com/bookwithvanessabell #vanessabell #mortgage #propertyinvestor #mortgagebrokersydney