My Lending Specialist in Griffith, New South Wales | Mortgage brokers

My Lending Specialist

Locality: Griffith, New South Wales

Phone: +6169644690

Address: 103 Banna Avenue 2680 Griffith, NSW, Australia

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

Likes: 622

Add/Update information

Reviews

Tags

• Loan service
• Mortgage brokers
• Bank

25.01.2022 How long has it been since you reviewed your loan? Is it time for you to refinance? Come in and talk to us at My Lending Specialist or call on 6964 4690 to make a free appointment #broker #heretohelpyou #saveyoumoney #localbroker

25.01.2022 Happy Monday everyone, enjoy your week #happythoughtsarehealthy #smile #mls #localbroker

25.01.2022 Thought of refinancing your home to save your money? My Lending Specialist can help you with that. Simply give us a call on 6964 4690 to make a free appointment with one of our experienced staff. #loacalbroker #weareheretohelpyou #justonephonecallaway

24.01.2022 Lest We Forget

24.01.2022 On the eleventh day of xmas #thoughtfulgifts #justanotherwaytosaveyourmoney #thebrokersway

23.01.2022 Finance Broker or bank? When you’re looking for a home loan, you could go to a finance broker or to a bank. While a bank will only offer you its own products, a credit adviser is an industry expert who will take the guesswork out of finding the mortgage product that suits you and your needs. What can a broker do for you you ask?... The leg-work Finance brokers already know the industry, the lenders, their products and their requirements, saving you a lot of time and energy on research. They will also put the time into finding out about your particular credit situation and have a wealth of experience to draw on to help you simplify it. Translate industry jargon Finance brokers are able to make sense of what loan documents and lenders are saying put it into lay-person’s language, so to speak. Get you what you want Advisers will determine your borrowing needs and fiscal ability, and choose the only an appropriate product to suit your requirements. Give you a broader choice Being brokers, finance brokers have to offer a larger selection of loan products. While a bank can only offer you its own products, finance brokers can help you choose from a selection of loans provided by different lenders. Help you compare apples, oranges and the whole fruit basket Finance brokers have the knowledge and tools to compare often hundreds of products and you get a loan suitable for your circumstances and needs. Find you a good deal Loan providers are always spruiking a special deal or two, and these could make a big difference to your repayments or success rate. A finance broker will know which of the deals on the market at the moment will be appropriate for you. They’re in it for the long haul A finance broker won’t just love you and leave you they will oversee and manage the loan’s progression right through to the end on your behalf. By the way, ‘the end’ isn't when you sign the documents and buy your property; you can expect your finance broker to keep track of you and your changing needs, helping you should you need to switch products or wish to purchase another property. Danyelle and her staff at My Lending Specialist are the ones to call to make a free appointment. So call them on 6964 4690 #broker #heretohelpyou #getyourhomeloansorted

23.01.2022 MERRY CHRISTMAS! We hope you all have a lovely day! #Christmas #localbroker #Holidays #celebrate #family

22.01.2022 Wondering about Lenders mortgage insurance? (LMI) While some view LMI as being exclusively beneficial for lenders, we explore the value for first home buyers. Not to be confused with mortgage protection insurance (which is designed to protect the borrower), LMI is insurance that covers the lender’s risk within a residential mortgage transaction should the loan go into arrears and the borrower is unable to resolve the situation satisfactorily. LMI is a fairly common practice ...within the industry, particularly for new home buyers who may struggle to save a deposit. It allows an additional fee to be paid by the borrower and usually applies when the loan is more than 80 percent of the purchase property’s price. The purpose of LMI is to ensure security for the lender in case the borrower fails to make loan repayments. Even though the actual house acts as security, the nature of the property market, like any investment class, means there is a chance that its value could decline, resulting in a financial loss for the lender. The cost of the premium is dependent on several factors, such as the loan size and property value, and most insurers are flexible when it comes to the method of payment. It can either be a one-off upfront premium payment or that premium could be included in the overall cost of the loan and included in monthly repayments. It is not transferable, which means a new loan may require a new fee depending on how much equity the borrower has. While it may appear that it is exclusively favourable to the lender, there is value to borrowers in paying the premium. Opting for LMI means it allows a borrower to independently purchase a property sooner than they otherwise might. LMI is the alternative to using a guarantor or having to save for a bigger deposit, both of which are not feasible options for many first home buyers. The major benefit of LMI is that it allows the dream of homeownership to become a reality for a lot of first home buyers. To see if this is the case for you, give us a call at My Lending Specialist on 02 6964 4690 #LMI #askusandwewilltellyou #worthit #localbroker

22.01.2022 When you get the call from your local broker to tell you your loan for renovations have been approved give us a call on 6964 4690 #letscelebrate #localbroker #renovateanyroomyoulike

22.01.2022 On the eighth day of xmas #whodoesntlikeleftovers #makeuseofthem #localbrokerlunch

22.01.2022 On the sixth day of xmas #creditcardsavy #shopwisely #dontwantablowout

21.01.2022 Happy Wednesday everyone!! We hope you are all having a great week so far! #house #finance #mortgagebroker #modern #mansion #nsw #loan

20.01.2022 On the fourth day of xmas #presentbuyingtime #shoponsaleearly #wearetryingtosaveyoumoney #localbroker

20.01.2022 Happy Long Weekend! Enjoy Everyone MLS will be closed this Monday the 5th of October and re-open on Tuesday #localbroker #longweekend #lifeisgood

20.01.2022 Home loan formal approval process and terminology explained #formalapproval #homeloan #wegetthejobdone

20.01.2022 On the third day of xmas #solarlightstosavemoney #thrifty #typicalbroker

20.01.2022 Five simple ways to increase loan repayments This is a bit of a read but well worth it. Paying off a mortgage can seem relentless every payment counts of course, but it can seem to be taking forever to make a dent. Here are some simple ways you can increase the amount you pay off and own your home sooner.... 1. Ignore the bank Well, sort of. Don’t pay any attention to the amount that you are told is the minimum repayment, as long as you pay more. Work out the most you can afford to pay, think of this as your minimum repayment, budget for it and stick to it. 2. Treat yourself Think of every step you take towards reaching your goal of owning your property outright as a way of treating yourself. Sure, an expensive bottle of wine is nice, but doesn’t taking a year off your loan taste pretty sweet, too? Every single increase to your income, no matter how small, should be channelled into the debts that are incurring the highest interest. If this is your mortgage, send it there. Do the same with your tax returns, any bonuses at work and even cash gifts. 3. Track your spending Download an app to track what you are spending your money on, and trim where necessary, channelling the savings into your mortgage payments. Think of all those little things you don't really notice yourself pulling out your wallet for. In one week, that extra coffee on Monday morning, a sandwich from the cafe instead of one you have made yourself, that round of shots you probably shouldn't have shouted on Friday night and getting your nails done on Saturday add up to $150. Over a month, that's $600. Increasing a monthly repayment from $3000 to $3600 could trim more than 10 years off the term of a $500,000 loan. Now how much do you really want that coffee? 4. Eyes on the prize Watch the forecast term on your mortgage seeing it go down will motivate you to work even harder. 5. Talk to an expert Talking to your finance broker about refinancing options could reveal a way to pay down your debt sooner even without increasing repayments. A finance broker will be able to look into whether you may get a better interest rate or lower fees with another lender, or even with your own, and will be able to help minimise any refinancing costs. This is especially important each time your goals or your financial circumstances change. If you are earning more than when you took out your loan, you have paid off a personal loan or a credit card since that time, or your property’s value has risen, your finance broker may be able to negotiate a far better deal than the one you are on. For example, if your finance broker negotiated your interest rate down from seven to six per cent on a $500,000 loan, on which you are making $3500 monthly repayments, your loan term could drop from just over 25 years to 21 years. So why not give us a call at My Lending Specialist on 6964 4690 and make a free appointment with one of our brokers. #brokers #savemoney #ownyourownhomefast #lovewhatwedo

19.01.2022 Can you make extra home loan repayments? Making extra repayments on your home loan can be a clever financial strategy. Investing your extra cash into your home can speed up your loan’s life cycle, with the added benefit of saving money in the long run. However, care must be taken to ensure that extra repayments are planned and the right type of loan taken out to allow for them. It is advisable to ensure that extra repayments are built into your home loan structure if you plan... on paying more than your monthly minimum, to ensure that you don’t get tripped up on break fees. It is a good idea to go through your future plans with your finance broker to make sure that all of your future goals regarding your loan are achievable under the product you end up taking. Give us a call at My Lending Specialist on 6964 4690 and make a free appointment to have a chat with our friendly staff #savingmoney #broker #speedupyourloan #mls #localbroker

19.01.2022 Where should I buy my investment property? Generally when people think of purchasing a property, many only think locally. Investing interstate could potentially be a smarter idea, due to the possibility for greater returns, or even a potential way to find a bargain! The internet is a great source for interstate property prospecting! Give us a call at MLS on 6964 4690 to discuss your investment needs. #investing #MLS #mortgagebroker #finance

19.01.2022 Have a great weekend everyone What are we all planning? #weekend #localbroker #lifeisamazing

19.01.2022 And the winner of the Mia Casa pack is.... LAUZII DALLEST Congratulations!!! The team at My Lending Specialist and Mia Casa Griffith hope you enjoy this over the Christmas break Mia Casa Lauzii Dallest

18.01.2022 End of financial year is close again, get the tax-man to help you. #taxtime #thattimeofyearagain #localbroker

18.01.2022 2021 BMW X5 financed for our client! Are you due for a vehicle upgrade? Come and see us before the end of the financial year to secure your asset finance! ... #BMW #finance #equipmentfinance #MLS #mortgagebroker #endoffinancialyear #newcar

18.01.2022 No deposit? No worries #financebroker #informationoverload #localbroker If you have a stable income but don’t have the cash for a deposit, an expert can help find a way to turn your dreams into reality.... Robert and Brooke had a good, solid income but they didn’t have a sufficient deposit to be able to buy a property. They had been knocked back after visiting various lenders, but, when they went to see their local MFAA Approved finance broker for help, it turned out that they just needed some correct guidance. Their finance broker suggested that they take a different approach and use family equity in place of a deposit. This meant including the value of the parent’s home in the total property valuation for the loan to bring their loan to valuation ratio (LVR) up to the required 80 per cent. As for the parent’s concerns, the finance broker was also able to explain the implications and the flexibilities they had in terms of selling their property or downsizing. He allowed them to understand that they could still help out without carrying a large financial burden or altering any plans they had. Robert and Brooke’s application was approved, so they no longer had to delay and miss out on their purchase. They also avoided paying lenders’ mortgage insurance (LMI) Four years later, they have been able to refinance, eliminating the family property from their home loan arrangement and maintaining the loan on their own. Give us a call at My Lending Specialist and make a free appointment on 6964 4690

17.01.2022 On the ninth day of xmas #bakingdecorations #savesavesave #brokerslife

17.01.2022 Nobody wants to pay more than the current market value for a home. Here are six negotiation tactics to help you get the right price on your property purchase.#localbroker #propertypurchase #MLS

16.01.2022 Hope everyone has a perfect day today #halfwaythere #lifeisgood #perfectflower #localbroker

16.01.2022 Happy Weekend Friends #restfullweekend #sleepypup #howcute

16.01.2022 Have a wonderful day everyone #happydays #lovetogotoworkonamonday #wealsolovepink

14.01.2022 Interesting news just out from the Reserve Bank of Australia The official cash rate remains unchanged this month....check out the link below for full details #mls #localbroker #RBAannouncement #InterestingRead

14.01.2022 R U OK? Its Okay NOT to be okay too! Ask the question! R U OK Day #ruok #bekindalways

13.01.2022 Great news released today with the extension of the HomeBuilder Grant checkout the link below for full details #buildyourdreamhome #renovations #mls #localbroker

13.01.2022 On the tenth day of xmas #shoplocal #youcanshoponlinelocallytoo #justsavingmoneyagain #localbroker

13.01.2022 Wishing everyone a safe Australia Day for tomorrow! Our office will be closed Tuesday the 26th of January, and will be reopening Wednesday the 27th. #australiaday #MLS #localbroker #fun #banking #fiance

12.01.2022 Ahh The Weekend!!! Enjoy everyone

12.01.2022 On the Second day of Xmas #howfunisxmas #makealist #checkittwice #localbroker

12.01.2022 Have you been thinking its time to renovate? Need some guidance in how to make it happen financially? Give the girls at My Lending Specialist a call and make a free appointment on 6964 4690 #renovate #localbroker #getthejobdone #whodoesntloveagoodreno

12.01.2022 Dreaming of being here taking in the view on this lovely Monday morning

12.01.2022 Have a great weekend friends! #weekendfun #relax #MLS #finance

11.01.2022 Thinking of investing Investment in real property, such as residential real estate, is likely to be a lengthy process and one that usually involves a plan for the long term. To ensure you have considered what is required before making the big purchase, make an appointment with My Lending Specialist to speak with one of the team who will help you with any questions you may have. Phone us on 6964 4690

11.01.2022 Happy Monday Everyone! #mls #mortgagebroker #newweek #finance #coffee

11.01.2022 October Newsletter #localbroker #lovewhatwedo #newsletter https://financefocus.connective.com.au/welcome-to-our-oct/

09.01.2022 Hope Everyone is having a great week so far #enjoylife #brokerslivinglife #mls #localbroker

09.01.2022 Welcome to our September Newsletter #localbroker #springtime #newsletter #MLS

09.01.2022 Happy Australia Day! Have a great day! #australiaday #MLS #finance #publicholiday

08.01.2022 A Huge Congratulations to Danyelle Frank & Paige Best, for their nominations & Finalist positions for the Connective Excellence Awards 2020 Danyelle is a Finalist for Best all-Round Broker of the Year!!! Paige is a Finalist for Best Loan Administrator!!! ... This is very exciting and deserving to both Danyelle and Paige and shows just how committed My Lending Specialist are to their work and clients best interest. The attention to detail, genuine care and compassion for the business and clients is always second to none. #connectiveexcellenceawards2020 #localbroker #lovewhatwedo #finalists #bestallroundbrokeroftheyearfinalist #bestloanadministratorfinalist

08.01.2022 Welcoming our newest member to the team #MLS #brokercar #localbusinesses #localbroker @owentoyota @dobijaprintworld

08.01.2022 Your Home loan application guide

08.01.2022 Home buyers protection: which one is right for you? #MLS #wecanhelpyou #homebuyers

07.01.2022 Where are Australia's most affordable homes? #Australiaishome #mostaffordablehomes #localbroker

07.01.2022 Easing financial pressures: loan deferrals, refinancing and more Good read with pros and Cons #easingpressures #refinance #prosandcons https://financefocus.connective.com.au/easing-financial-p/

07.01.2022 On the seventh day of xmas #getyourgiftswrapped #becreative #thebrokersway

06.01.2022 MIA CASA GRIFFITH and My Lending Specialist have come together with a Xmas Promotion for you all Want to win this great entertaining pack of items from Mia Casa to the value of $200? If you want to be in it to win it, all you have to do is be following My Lending specialist and Mia Casa Griffith and tag 2 friends in this post. We will draw the winner on Friday the 18th of December. So click away and tag your friends now. #xmasfun #localbroker #shoplocal #whodoesntlovetowinaprize #entertainingmadeeasy @miacasagriffith

06.01.2022 Too loyal or time-poor for a better rate? Problem solved Another month, another rate cut. Finance can be so tedious. That is until you realise it could mean more money in your pocket. But how?... For many, matters of personal finance are so dull and/or difficult, they are immediately filed in the too-hard basket. And for their trouble, or lack thereof, these people are often slugged with a 'lazy tax' - the price paid for staying put. Loyalty too, or simply being time-poor, can also be offences punishable by debt in the world of finance. But it doesn’t have to be this way. Finance brokers can play a vital role in assisting borrowers through the process of ensuring their mortgage is competitive. So give us a call at My lending Specialist on 6964 4690 to make a free appointment.

06.01.2022 Ways to fund a renovation Considering transforming your home from ‘banal’ to ‘brilliant’, but lack the funds to support your makeover? Never fear, there are home renovation finance options that could help turn your dream into reality. Whether it be an Equity Release / Top up Home Loan or a Construction Loan, or even a Personal Loan, we can talk you through your options here at MLS. Give us a call on 6964 4690 and make a free appointment with one of our professional loan writ...ers #mls #brokers #lovewhatwedo #weareheretohelp

06.01.2022 This cake is an office favourite. Try this recipe and I promise you will not regret it #theweekendisforcooking #officefavourite #enjoylife https://ottolenghi.co.uk/reci/carrot-and-walnut-cake-method

06.01.2022 Happy New Year from the team at MLS!! #newyear #mortgagebroker #LookingForwardTo2021

05.01.2022 Happy Friday Friends #staycool #giveyourpuppywater #localbrokeradvice

05.01.2022 Perfect Chicken wrapped in prosciutto. You will not regret making this one Enjoy your weekend everyone! #weekend #brokersdinner #mls

05.01.2022 The MLS team and guests are proudly supporting the Headspace fundraiser dinner tonight as a Platinum Supporter! Such a great event for a very worthy cause! #headspace #greentieevent #mentalhealth #funraiser #mls #mortgagebroker #localcommunity

05.01.2022 Ready to renovate? Irrespective of the size of your property, there are plenty of clever renovation tricks to maximise the floorplan and potentially drive up its value. #renovate #localbroker #mls

05.01.2022 Who is gearing up for the Long Weekend? Are you a traveller or a homebody? #homebody #lifeisallaboutbalance #localbrokerbreak #theskyisbluewhereveryouare

04.01.2022 Thai meatballs with chilli dipping sauce you must try this one! #brokerscook #localbroker #whattocookinyournewhome https://www.recipetineats.com/thai-meatballs/

04.01.2022 On the twelfth day of xmas #dontbetempted #trytoresistthegifttoyourself #localbroker #onemoresleep

04.01.2022 The Team @ My Lending Specialist would like to welcome our newest staff member Damien Agostini. Damien has recently finished his Higher School Certificate & was super keen to commence his career in Mortgage Brokering. During his studies Damien completed a Certificate 3 in Financial Services & also work experience this year with MLS. We look forward to having Damien working with us. ... Please join us in congratulating Damien in his new role. #mls #newtraineeship #supportingthefuture #howexciting #localbroker

03.01.2022 Home dreams Do you have dreams of renovating or building or even buying a home? Give the staff a call at My Lending Specialist on 6964 4690 and make a free appointment. #dreamscancometrue #localbroker #weareheretohelpyou

03.01.2022 Wishing I was here!Has anyone gone away during their time off? #beach #holiday #finance #dreaming

03.01.2022 How a deposit bond can help when buying an investment property #localbroker #deposit #investment #mls

02.01.2022 MLS will be closed from 12pm on Thursday the 24th of December 2020, and will reopen at 9am on Monday the 11th of January 2021. We hope everyone has a Merry Christmas and a Happy New Year! #localbroker #holiday #Christmas #lifeisgood #MLS #Staysafe

02.01.2022 Dreaming of being here #wecandream #roomwithaview #wouldntitbenicethough #brokersdream

02.01.2022 On the fifth day of xmas #secretsantagift #justanothersavingcoinidea #localbrokerideas

02.01.2022 Happy Friday friends

02.01.2022 How's this this for a healthy summer lunch #healthyeating #livelifetoitsfullest #officefavourite https://youtu.be/B7lT8teDyig

02.01.2022 On the first day of Christmas #diy #unique #budget #1stdayofxmas #localmortgagebroker

02.01.2022 Loans for vacant land Whether you are buying land for an immediate build, as an investment or for a ‘one day I will build and live here’ dream, a vacant-land purchase can be financed by a range of mortgages. If you are planning to build immediately, or at least fairly soon, a construction loan might be the best option. Most lenders demand that building on a construction loan must start within a specified time, usually between one and three years, depending on which lender yo...u use and whether the property will be owner-occupied or investment. This mortgage type allows you to draw down segments of the loan amount in stages as they are needed for the land purchase and then for the stages of construction which saves you paying interest on the entire loan amount when you don’t need to be. If you don’t plan to build immediately, and you want the loan for the land without any time pressures, a vacant land loan may be the best option. If you have stumbled upon the perfect position for your dream home, future holiday getaway or retirement oasis, even if you aren’t ready to plan building it yet, the next step is to speak to an expert about the different types of loans that can finance the purchase. Give us a call at My Lending Specialist to make a free appointment on 6964 4690 #loans #broker #lovewhatwedo

01.01.2022 This June 1st to the 25th, MLS will be taking part in The Push-Up Challenge. Over 25 days, we will each be aiming to complete 3,318 push-ups! This number represents how many people lost their lives to suicide in 2019. We are also hoping to raise $2000 for our local Headspace Centre, so we would love if anyone would like to contribute to the link below!! ... #pushforbetter #MLS #headspace #mentalhealth #joinus #finance #financebroker

01.01.2022 "To the world you are a dad.To your family you are the world." Wishing all the fathers out there a very Happy Fathers Day! From the girls @ MLS ... #mls #enjoyyourday #dadsarethebest