Mortgage Smart Pty Ltd in Gerringong, New South Wales | Mortgage brokers

Mortgage Smart Pty Ltd

Locality: Gerringong, New South Wales

Phone: +61 1300 650 212

Address: 25 Noble Street 2534 Gerringong, NSW, Australia

Website: www.loanmarket.com.au/ash-churchill

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25.01.2022 Wondering how the new budget will effect you??? Here are some points on how the budget may effect you, your family and the finance markets. Breaks For First Home Buyers... It's great to see the Government taking some action to help First Home Buyers. To make the task of saving for their first home easier, eligible buyers will be able to divert their pre-tax income towards a special savings account. This will mean that saving a deposit will become a little bit easier. From 1 July 2017, individuals can make voluntary contributions of up to $15,000 per year and $30,000 in total, to their superannuation account to purchase a first home. These contributions, which are taxed at 15 per cent, along with deemed earnings, can be withdrawn for a deposit. Withdrawals will be taxed at marginal tax rates less a 30 per cent offset and allowed from 1 July 2018. For most people, the First Home Super Saver Scheme could boost the savings they can put towards a deposit by at least 30 per cent compared with saving through a standard deposit account. This is due to the concessional tax treatment and the higher rate of earnings often realised within superannuation. Check out our blog for more points from the 2017 Budget. http://www.mortgagesmart.com.au/Blog/

24.01.2022 Get your Sock Draw in Order! Sometimes we need to stop, take a few minutes, have a clean out and re-assess. I have never seen a better time to get things in order, and when I say that I mean we are in a changing environment now.... I am challenging all my clients to sit down and evaluate your finances. You need to look at what is good debit and what is bad debt. Consolidate the bad debt, (car loans, credit cards, tax debt, etc) Check your outgoing costs such as insurance & utilities. Take 10 mins to call your suppliers and ask for a better deal, there is a big chance you will save lots! Look at your Entertainment expenses, try and limit this to a set amount each week and don’t go over! Don’t carry cash, its way too easy to spend it! Use a debit card, Not a credit card. Get ride of those crappy old debts and get your socks / money in order! Let me know if I can help. Best Regards Ash.

24.01.2022 Here’s another cool money game for the kids to try. It’s like the old fashioned game of Concentration, so get your thinking caps on! https://www.moneysmart.gov.au/mst-digital-reso//index.html

23.01.2022 We need your help! Come along to the Trivia Night on 12th May at 7pm to join in the fun and raise support to bring Bendigo Bank to Gerringong! Individuals = $20 Table of 10 = $200... Booking details and location on flyer below

23.01.2022 The Reserve Bank Of Australia has today announced they will be leaving the official cash rate unchanged at 1.5%

23.01.2022 Our fundraising has kicked off with little Blair, otherwise known as the big fella! donating $5.00 from his pocket money to help his uncle, DB, who suffers from diabetes. Blair's message to the team running in the City 2 Surf is, go hard or go home!

22.01.2022 Check out our latest team sponsorship!

22.01.2022 Received these beautiful flowers from another satisfied customer and couldn't help but share!

21.01.2022 Interest Rates on Hold! During January some lenders increase interest rates and other lower their interest rates. Rates below 4%p.a. continue to be available and some lenders offer rebates for those clients wanting to refinance $$$ If you or your family are paying too much or struggling to get a loan approved, speak to us.... A quick five-minute conversation could save you thousands or help you get your dream home! See more

20.01.2022 BREAKING NEWS! The RBA has just announced that they will be leaving the offical cash rate unchanged at 1.75%

20.01.2022 THE CASH RATE HAS BEEN DROPPED!!!! I REPEAT THE OFFICIAL CASH RATE HAS BEEN DROPPED TO 1.5%!!!! The Reserve Bank of Australia have dropped the official cash rate!

19.01.2022 Visit Searching For Sage in Gerringong. A fantastic local business who we are happy to support. They currently have lovely hand made candles for sale. Anyone who mentions "Ash for Cash" or "Mortgage Smart" will receive a 10% discount off these candles.

19.01.2022 The Reserve Bank of Australia have announced they are leaving the official cash rate on hold at 1.5%!!!!

18.01.2022 End Of Financial Year SALE!!!!! See our website for terms & conditions! http://www.mortgagesmart.com.au/

18.01.2022 Two great gifts, from two great clients, supporting two great local businesses!! #mortgagesmart #gerringongcommunitypage #Stoicbrewing #thehillbarandkitchengerringong

18.01.2022 The Reserve Bank of Australia has again decided to leave the official cash rate unchanged at 1.5%. Want to know how this will impact interest rates? Call or email us for more information

18.01.2022 The Reserve Bank of Australia have today announced that they will be leaving the official cash rate unchanged at 1.5%

18.01.2022 We are still here to help clients buy the property of their dreams or help you own your home sooner! #yourbrokerbehindyou

17.01.2022 Westpac Has become the first of the major Banks to raise their interest rates independent of the Reserve Bank in this current climate. Many smaller lender have also been quietly raising rates. DO you need to check your loan and re-assess?

17.01.2022 Hi Friends, Help us, help the Farmers. We are trying to spread the word that with each refinance of a home loan we do we will donate to the Buy a bale campaign, but Facebook will not approve our post, so please share this for us!

16.01.2022 Mortgage Smart is a proud representative of Global Money Week! Our goal is to help promote the basics of savings and money management for Australian School children and their families! For more information on how you can book in your school for this free opportunity Please contact Michael for more information.

16.01.2022 Reserve Bank of Australia meets this afternoon. What do you think they will do? Will they drop the cash rate again or do you think they will leave it at 1.75%???

15.01.2022 Hi Kids, here’s a cool way to teach your dog a new trick and maybe earn a little pocket money from a grown up. I’ve found a link to the Kidspot website and there’s a video on How to Teach Your Dog to Twirl! It’s not too hard, you just need a dog! I’ve got a big one if you need to borrow him! When you have taught your dog to twirl, ask a grown up if they want to come to your Dog Show?? There’s an entry fee of fifty cents per adult! http://www.kidspot.com.au//dog-games-for-kids-teach-your-d

15.01.2022 At its meeting today, the Reserve Bank Board decided to lower the cash rate by 25 basis points to 1.75 per cent, effective 4 May 2016. This follows information showing inflationary pressures are lower than expected.

15.01.2022 Let Mortgage Smart Home Loans refinance your Home or Investment Loan. Our goal is to save you money on your loans and at the same time help out our Farmers in need! We refinance your loan = we buy a bale for the farmers! https://www.facebook.com/BuyaBaleofHay/

15.01.2022 Please help us, help you! The community will be the winners if we can get the Bendigo Bank to Gerringong. Please complete the Pledge Forms and we will soon post about the trivia night!

15.01.2022 Get to Searching for Sage in Gerringong! Abby has filled the shop with new Candles and they are awesome! But be quick! https://scontent.fsyd7-1.fna.fbcdn.net//46519052_303329210

14.01.2022 The Reserve Bank of Australia met today and have decided to leave the cash rate unchanged at 1.5%!

14.01.2022 ING Bank-Economic Outlook. "The Reserve Bank disagreed with the possibility of a "credit crunch" due to the following factors, distribution of household debt skewed toward high income earners, high buffers for mortgage serviceability and strong bank balance sheets. The market is currently pricing a zero chance of a rate hike in 2018 and a 32% chance in October 2019."

14.01.2022 Breaking News!!! The Reserve Bank of Australia has again decided to leave the official cash rate unchanged at 1.5%. Want to know how this impacts you?... Call or email us for more information See more

14.01.2022 The Reserve Bank of Australia has today announced that they will be leaving the cash rate unchanged at 1.75%

14.01.2022 The Reserve Bank Of Australia has today announced that they are leaving the official cash rate unchanged again this month at 1.5%

13.01.2022 Check out this short video on what is happening with interest rates and how this can effect you!

13.01.2022 Please Help us, Help the Farmers! We refinance your Home Loan and we donate to Buy a Bale! Its that simple. https://www.buyabale.com.au/

12.01.2022 http://mortgagesmart.smartonline.com.au

12.01.2022 The Reserve Bank of Australia has again decided to leave the official cash rate unchanged at 1.5%

12.01.2022 After the final Reserve Bank Of Australia meeting for 2016..... The Reserve Bank have announced that they will be leaving the official cast rate unchanged at 1.5!!

11.01.2022 Would just like to congratulate all grades of the Gerringong Lions Club who played on Sunday. Was an awesome day! A special CONGRATULATIONS to the 1st Grade Team for winning the Grand Final!!! GO THE LIONS!!!!

11.01.2022 The Reserve Bank of Australia has left the official cash rate unchanged at 1.5%.

10.01.2022 In it's first meeting of 2018. The Reserve Bank of Australia has announced that the official cash rate will remain unchanged at 1.5%

09.01.2022 The Reserve Bank of Australia have today announced that.... >insert drum roll here< They will be leaving the cash rate unchanged at 2.00%

09.01.2022 A few changes in the budget announced last night that are worth knowing. Reverse Mortgage This is where older Australians can use the equity in their home and borrow against it. Most of the bank have withdrawn from this type of loan, but now the government are going to lend the money to retirees now. Negative Gearing No changes to Negative Gearing which is great for Investors.... Superannuation Exit fees on Super accounts will be banned. Vacant Land People who own vacant land will no longer be able to claim tax deductions against the land from July next year. (excludes Farmers and the like) If it has a house on it, no problem. Let me know if you want to chat more about any of the above. https://www.domain.com.au//federal-budget-2018-every-home/

09.01.2022 Commonwealth Bank of Australia (CBA) CEO Matt Comyn during Mondays’s Royal Commission hearings. CBA’s position that consumers should pay a new fee of several thousand dollars for access to a home loan. Please let us know if you would be happy to pay Several Thousand Dollars to apply for a Home Loan!

07.01.2022 Just over 6 days until the city 2 surf!! For those who are joining in on the city 2 surf or even just going to watch. We have a bus that will be taking our team to the starting line at Macquarie st and picking up from the finishing line at Bondi.... Pick up & Drop Off locations will be Gerringong Pub - Cronins Hotel Bombo Cemetery (provided there are people to pick up) Wollongong Uni Menai - Hall Drive We have 13 seats available. Please contact us for more information regarding cost per person. 0419 257 178

06.01.2022 CHANGE IS COMING PEOPLE! Australia’s sixth largest lender is lifting its variable rates for the second time in less than six months. The changes at Suncorp will see all variable rate home loans increase 0.17% p.a. and small business loans increase 0.10% p.a, effective 14 September.

06.01.2022 The Reserve Bank of Australia has made it's last announcement of 2017. The official cash rate will remain unchanged at 1.5%

06.01.2022 Well it's almost that time of year again. Nowra Relay for Life is on the 2nd April 2016. Just thought we would share the front page of Friday's issue of the Shoalhaven & Nowra News. Why you may ask! Because if you look closely you will see that Laura who is our office manager is on the front page cuddling a rather scaly snake!!!!... Laura Steele will be there again this year showing her support against the fight to cure cancer!

06.01.2022 Dear Minister, I am writing to you concerned about the Banking Royal Commission recommendations. My main point of issue is that people will have to pay a substantial fee to apply for a Home Loan whether they use a bank or a broker. The fee is estimated at $2,000 - $3,000.... This fee is currently not paid by the borrower. The poor First Home Buyers are already struggling to save a deposit. This will make it even harder. In many instances you cannot add the fee to the loan because the bank will only lend 95% of the property valuation including all fees. And even if you could add it to the loan, you will then in theory pay interest on that amount for the next 30 years. It also has the problem that if you already have a home loan, and another bank has a better deal, it will cost you thousands to switch lenders. Bank Exit fees were removed several years ago. This will simply return such a charge to the applicant and once again favour the big 4 banks. Please consider these ramifications. Regards Ashley Churchill

04.01.2022 In the last Reserve Bank Australia meeting for 2018. The Reserve Bank have announced they are leaving the cash rate unchanged again at 1.5%

04.01.2022 CBA CEO Matt Comyn, told the Royal Commission that consumers should pay a Fee to get a home loan. Yesterday the Government agreed. So make sure you thank CBA next time you have to pay a hefty fee to apply for a loan.

03.01.2022 The Reserve Bank of Australia has today announced that they are leaving the offical cash rate unchange at 1.50%

02.01.2022 The Reserve Bank of Australia has today announced it is dropping the official cash rate down to 1.00%!

01.01.2022 The Reserve Bank of Australia has decided once again to leave the official cash rate unchanged at 1.5%. The rate has not changed since September 2016.

01.01.2022 When you work with great clients and change their Life, it's even more special when they show their appreciation with a beautiful gift! #Mortgagesmart #lovemyjob

01.01.2022 Our office will be closed from 4pm on Friday the 20th of December 2019 and will return at 9:30am Monday, 13th of January 2020. Any emails during this time will be attended to on our return to the office. If urgent, call Ash on mobile. Merry Christmas and happy New year, we hope you and your family’s have a safe and fantastic break!

01.01.2022 The Reserve Bank of Australia has today announced another cash rate reduction. The new official cash rate is 0.25% and will be effective as of tomorrow 20th March!

01.01.2022 BREAKING NEWS! The Reserve Bank of Australia have today announced they have dropped the official cash rate to 0.50%! There has never been a better time than to review your home loan! Give us a call to discuss!

01.01.2022 WE HAVE MOVED!!!! Come and see our BRAND NEW OFFICE!!!! We are located in Suite 3, "Bluewaters", 25 Noble Street, Gerringong, NSW 2534