Mortgage Choice in Fortitude Valley in Bowen Hills | Financial service

Mortgage Choice in Fortitude Valley

Locality: Bowen Hills

Phone: +61 7 3366 8604

Address: Level 1/47 Brookes St 4006 Bowen Hills, QLD, Australia

Website: https://www.mortgagechoice.com.au/caroline.jean-baptiste

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24.01.2022 Separation can be tough on all parties involved and the financial impact can often keep both parents out of the property market permanently. Being a single parent it can be hard work and take forever to juggle to finances to get into a position to buy a home to raise the children in. As part of the 2021 federal budget the Family Home Guarantee was introduced, allowing Single parents to buy a home with as little as 2% deposit plus costs.... This applies to previous home owners as well as first home buyers. What this means is instead of have to having to scrape together 8% of the purchase price, you can get into the market with as little as $10,000 plus costs. No LMI will be payable as the government insures the loan. In Queensland the maximum purchase price is $475,000 If you or someone you know is a single parent struggling to get back into the property market I can help #mortgage #brisbanemortgagebroker #buythathouse #kickasswomen #homebuyers #singleparents #homeownership #realestate #mortgages

24.01.2022 SE Qld is the place to be if you're investing in property! "South East Queensland is shaping up to be a strong bet for investors, with properties from the Gold Coast to the Sunshine Coast selling fast and on a solid foundation for capital growth in 2021." Let us know if you want to talk investment loans! https://www.apimagazine.com.au//south-east-queensland-pri/

23.01.2022 How do you decide where to buy property? This is a question commonly asked by our clients and one that has different answers depending on whether you’re buying a home or an investment. The common denominator is dependent on your goals.... What are you aiming to achieve by buying a property? * Getting on the property ladder * Creating wealth * Securing a home * Reducing your tax burden * Setting yourself up for your future If you’re buying a home, the location and the property type need to match your lifestyle now and for the next few years. If you’re young and single, you might be looking for an inner city apartment that is close to work and nightlife. If you’re ready to settle down, you might be happier a little further from the CBD in a small house. If you’re buying an investment property, the two things you need are rental demand and capital growth and you’re going to have to do your research to find your best options for those. But you might need to look further afield than your local neighbourhood. Make sure your decision is based on your goals and research - not just emotions. Whilst we may fall in love with a particular property, it’s good to make sure we put some logic around that emotion. Do you make decisions with your heart or head or a combination of both?

21.01.2022 Can casual employees qualify for a home loan? There's a lot of confusion around what is required to qualify for a home loan. Some lenders want full time permanent employment, most seek a minimum term, some will accept three months, some one month and a few lenders will only consider income when it is shown consistently over a minimum period of 12 months. My expertise is knowing which lenders accept varying lengths of employment and different capacities.... Discussing your current situation and helping find the right lender for you based on your employment, financial situation and future plans is what a broker is an expert in. If you're casual, contract, on maternity leave, part time, full time, self employed or confused, I can help you put a plan together to get into the property market #mortgage #mortgagebrokerbrisbane #casualemployment #homeloan #buythathouse #kickasswomen #brisbaneproperty #homefinance #renovation #purchasehomebrisbane #fortitudevally #finance #property #help #realestate

20.01.2022 How do you decide where to buy property? This is a question commonly asked by our clients and one that has different answers depending on whether you’re buying a home or an investment. The common denominator is dependent on your goals.... What are you aiming to achieve by buying a property? * Getting on the property ladder * Creating wealth * Securing a home * Reducing your tax burden * Setting yourself up for your future If you’re buying a home, the location and the property type need to match your lifestyle now and for the next few years. If you’re young and single, you might be looking for an inner city apartment that is close to work and nightlife. If you’re ready to settle down, you might be happier a little further from the CBD in a small house. If you’re buying an investment property, the two things you need are rental demand and capital growth and you’re going to have to do your research to find your best options for those. But you might need to look further afield than your local neighbourhood. Make sure your decision is based on your goals and research - not just emotions. Whilst we may fall in love with a particular property, it’s good to make sure we put some logic around that emotion. Do you make decisions with your heart or head or a combination of both?

15.01.2022 New 5.0-star Review: "Caroline and the team at Mortgage Choice are top notch . Informative, friendly and supportive through the entire process. Always happy to answer all of my questions, regardless of how dim they were. Made purchasing a house understandable and attainable in this market!"

12.01.2022 New 5.0-star Review: "Being first home buyers, we didn’t really have much of an idea of the process to buy a house. Caroline, Kristin, Vicki and team were extremely helpful in guiding us through the process and very responsive to any concerns and questions we had. They made the experience of buying a home allot easier for us and would highly recommend if buying a house, especially in the current market."

12.01.2022 Elon Musks idea of getting rid of 'almost all of his physical belongings' struck a chord in many minimalists hearts. Only a few months into the pandemic, Musk tweeted his desire to the world, and now we've had time to let the message dilute and create our own versions of it. To be so free of all the 'stuff' that weighs us down seems like a dream. No home loan to be responsible for - the landlord can take care of all that; no car loan - it's environmentally friendly to ride a ...bike or take public transport; no need to struggle to find storage for the skiing gear or camping gear you use so rarely these days. Owning a home for many people is their security for their family and for their retirement. When times get tough, it's easy to throw a dream out the window and embrace a new vision of minimalism. Neither version in the long term is necessarily comfortable. Owning a home requires sacrifice in the beginning, not owning a home, you might be making the sacrifices when you can least afford them. Staying committed to #homeownership can be challenging. It can take a long time to save a deposit, find the right home and repay the debt. It's all worth it when you're living in a home you own with a comfortable retirement. Unless you have a space station to sell, stay the course

11.01.2022 Lenders policy is constantly changing and as a broker it's our job to stay on top of it. I rambled on a bit in this video around changes to - Assessment rates - Loan to Value Ratios (LVRs)... - Self employed policy - COVID changes but I'm sure you'll get the point. Policy changes regularly around all types of things. It may be a lenders risk appetite changing which could reflect in how much they might lend to applicants, on certain securities or types of income Borrowing can be difficult to navigate on your own and as a mortgage broker for over 15 years, I've seen plenty of changes in lenders policy. If you, or anyone you know is about to step in to the maze of lending, be sure to get advice so that you're going in well informed #carolinemortgagebroker #buythathouse #kickasswomen #homeloan #mortgagebroker #mortgage

08.01.2022 Over the next few weeks I'm going to share a bit about each of my amazing team members! Meet Leigh! Leigh has been working for Mortgage Choice since February 2020 and has over 15 years Mortgage Broking experience and a background in Financial Planning and insurance. Over the years she has specialised in lending to high net worth individuals and lending for construction. ... As a Mortgage Broker, Leigh will help you establish a plan from your first meeting to ensure you are making the right decision in achieving your wealth goals. In her spare time Leigh loves to travel, runs around after her two teenage children, volunteers with her local high school P&C and is currently trying to grow the perfect lawn! Leigh is also currently battling grey hair whilst she teachers her daughter to drive!

06.01.2022 Have you taken a COVID home loan repayment pause? Wondering how long you need to wait before you can: Consolidate credit cards and personal loans... Access equity Find a better rate Renovate Upgrade your home Everyone's situation is unique and every lenders requirements are unique It's worth asking an expert what your options are #mortgage #refinance #mortgagebroker #homeloan #lender #refinancing #firsthomebuyers #kickasswomen #buythathouse #CarolineMortgageChoice #CarolineMortgageBroker #CJBFortitudeValley

06.01.2022 This weeks staff member in focus is Renee! Renee recently joined our team 2 months ago and has over 10 years experience in the finance industry. Starting her career as a bank teller for Commonwealth Bank, Renee progressed to Assistant Manager. Now working as part of the Mortgage Choice Fortitude Valley team as a Broker Assistant, Renee is completing her Diploma in Finance and Mortgage Broking to become a Mortgage Broker.... Renee loves spending time with her family, whether it be camping or just a day at the beach relaxing and reading. Renee is a gnocchi guru and swears by a recipe passed down to her from her Nan! We can't wait to taste that gnocchi, Renee!

05.01.2022 New 5.0-star Review: "The team at Mortgage Choice was simply amazing with us. We bought a house in the heart of COVID and it was no easy feat. The team really took the time to fully understand our situation and come up with different solutions and insights. We are now sitting in our brand new house with a very good value mortgage. Highly recommend!"

04.01.2022 New 5.0-star Review: "Awesome , personalised service with great follow up. This is the second time I have used Caroline and her team and would highly recommend."

03.01.2022 Check out our latest news! http://createsend.com/t/i-79DE542911BDE8762540EF23F30FEDED

03.01.2022 What’s stopping you? Is there something you want to do but just can’t do it because something/everything/one thing is blocking you? Whether it’s getting a new job, employing a new team member, starting your own business, joining a gym, having a baby, buying a new home or investment property, the list goes on. I’m hearing this fear a lot at the moment from people who want to buy a property but the market is galloping ahead at a crazy speed so they’ve stepped into inertia. They...’re taking the wait and see approach. But the thing that happens when you do nothing is nothing. The market will keep moving, the job will remain unfulfilling, the workload will remain too much, your business idea will remain a pipe dream, your fitness will remain the same, baby plans will stay on the shelf. The blocks will still be there and nothing will change. Sometimes it takes bravery, a plan, support or all three to step out and make something happen. But change needs action. Is it time for you to step out past those blocks? What or who do you need to make it happen? Is the goal strong enough to compel you forward? Do yourself a favour and make it happen in way that’s well thought out, planned and supported. With the right tools, you’re bound to succeed. #buythathouse #achieveyourgoals See more

02.01.2022 We have just received our second print run of the book I authored called BUY THAT HOUSE - How Kickass Women Make it Happen. The first print run inspired many into the property market and helped them see that it was possible for them as well. Emily was inspired to put the small $20k inheritance into owning a home rather than an overseas holiday (pre COVID).... Chantel discovered that she didn't actually need to save a 20% deposit and her dream was closer than she initially thought. It took her 18 months to save enough to move in. Bianca and James set a strategy in place to own their dream home rather than the small shack they thought they could only afford. The dream is achievable through following the MONEY strategy in the book. If you know of anyone who needs guidance and inspiration to buy their home I'm giving away 50 copies of my book! #giveaway Like or comment below to find out how you can get your copy! #buythathouse #kickasswomen #freebook #firsthome #mortgagebrokerbrisbane

01.01.2022 What does the 2021-22 Federal Budget mean for home buyers? Check out our newsletter for details... http://createsend.com/t/i-96E6FE1801BBA7D22540EF23F30FEDED