Nathan Aurisch-Pike | Finance

Nathan Aurisch-Pike

Phone: +61 417 411 666

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25.01.2022 ONLY READ THIS IF YOU HAVE A LOW/NO DEPOSIT

25.01.2022 A step by step process on the Government Building Grants | https://bit.ly/3eaxqpR

25.01.2022 Did you know Mortgage Brokers are bound by 'Best Interest Duty'? Best interest duty means, by law, we have to act in your best interests to offer you the best products available, no matter which bank it is. Did you know that 'BID' does NOT apply to the banks, so if you walk into a bank directly, they can offer you any of their products without being bound by law to make sure its the best option for you! ... Next time you need a loan, contact me and you can be confident you are getting the best possible deal. I've added a photo of all the lenders I have on my panel that I compare to make sure my clients get the best deal.

24.01.2022 FAQ 4 How much can I borrow How much do I need for a deposit

23.01.2022 If you're interested in building a new home and taking advantage of $45,000 in grant money, this is a must read.

22.01.2022 Hey everyone, Id like to thank you all for liking my page! Id like to start with explaining a little bit about what I do and how I can help as your Mortgage Broker. A Mortgage Broker is a finance professional that works for you to obtain approval for a range of financial products. I specialise in all types of finance including, but not limited to, home loans, refinancing, motor vehicle finance, investment and equipment loans. If it requires borrowing money from a lender, I... can help you. I have access to 70+ lenders, which means I'm able get you the best deal to suit your situation and goals. I want to make sure the process is as simple and stress free as possible for you, to ensure youre in the best position when it comes to borrowing. I can make sure that together, we select the best loan structure for not only your current situation, but for your future as well. Please feel free to contact me with any questions, anytime via call, text, email or Facebook message. All consultations are free and Im happy to help in any way I can. My contact details are: Mobile: 0417 411 666 Email: [email protected]

22.01.2022 Happy Thursday everyone! The federal government has extended the Home Builder grant so people who are looking to build a home early next year can get in on the action. With the original grant, you had to sign a building contract before 31 December 2020 but it has been such a success that they have extended it to those who sign a building contract between 1 January 2021 and 31 March 2021.... There are a couple differences between the previous iteration and the new extension. - The grant is $15,000 for those who sign a building contract between 1 January 2021 and 31 March 2021. (It remains $25,000 for those who sign their contract before the 31 December 2020). - The commencement of construction has gone from three months to 6 months, giving the builders more time so they can take on more homes. If you have any questions or are interested in taking advantage of the grant extension, please don't hesitate to contact me on 0417 411 666 or message me on Facebook. Speak to you soon!

21.01.2022 How to lock in a low interest rate. With interest rates at historic lows, have you thought about locking in a low interest rate by fixing your home loan? A fixed rate loan can lock in the current low rates and protect you from any future interest rate increases! ... You get to choose how long you want to lock in the low rate. It can be from 1 up to 5 years, as standard. If you don't want to fix the whole loan amount, you are able to split your home loan into variable and fixed portions, so you get the best of both worlds. I personally use a split loan because the fixed portion protects me from interest rate increases and the variable amount gives me flexibility to pay extra off my loan. If you would like more information on a fixed rate or a split loan, you can message me right now using the button below. Alternatively, you can text, call or email me. 0417 411 666 [email protected]

21.01.2022 HAPPY FRIDAY! Here's a brief list of the services I provide as a mortgage and finance broker. If you are looking for finance for any reason but don't see it on the list, run it by me. Enjoy the weekend everyone, stay safe!

19.01.2022 Want to know how much your property could be worth? Whether it's your own home or a property you're interested in, dm or text the property address to 0417 411 666 to receive an instant desktop bank valuation. GO!

19.01.2022 Hey guys! Over the next couple weeks I'm going to be dropping a couple FAQs. As always, don't hesitate to ask me your questions. ... What is a mortgage broker? A mortgage broker is a home loan expert who works on your behalf to help you find and apply for a home loan with a bank or lender. Mortgage brokers work for you. They are the intermediary between you and the bank or lender who provides the home loan. Why use a mortgage broker? Choosing and applying for a home loan can be complicated and involves lots of back and forth with different lenders. A mortgage broker will be able to recommend home loan solutions that suit your personal situation, taking into consideration what you want to achieve, interest rates, fees and charges. They manage the application process, as well as review your mortgage after settlement to make sure it continues to be competitive. How can a mortgage broker save me money? Mortgage brokers have up to date knowledge of the home loan market including the different types of lenders and deals, any strings attached to a loan and more. Brokers have access to multiple banks and lenders giving you the best opportunity to find the perfect loan for your situation. In some instances, a mortgage broker may have access to a better interest rate than if you went to the bank directly. Do brokers only help with the application? No, mortgage brokers help to obtain pre-approval, the application and all general steps involved in the process of buying a home. I can help you long before you are ready to buy a home and make sure you know what needs to be done to get yourself in the best position to buy a home. Once the loan has been settled, I will review your home loan every 6 months to make sure it is competitive within the current market and I am always there for you to answer any questions. How do I pick the right broker? I believe this is one of the most important questions. If you dont know them personally, use your gut feel, ask questions, get to know them, see if you get along with them. Dont feel obliged to go with the first broker you meet if you dont feel comfortable with them. Thank you for reading, legends! - Nathan A-P

19.01.2022 $20k WA Building Bonus

19.01.2022 Hey everyone, I hope you are all well! Below is a link to a mortgage repayment calculator. It is a super simple tool that shows how much you could save on your home loan with the historically low interest rates we have at the moment! http://www.ausfinancesolutions.com.au//loan-repayment-calc... I have also attached a link to the extra repayment calculator so you can see how much you can save by putting a few extra dollars per week/month into your home loan. SPOILER... you can take multiple years off your loan and save thousands of dollars! http://www.ausfinancesolutions.com.au//extra-repayment-cal There are heaps of different calculators to play around with, so go check them out for yourself. If you have any questions or want to have a chat, just flick me a message or give me a call.

18.01.2022 Do you use a financial management or budgeting tool? Research indicates that only 28% of Australians actively use financial management or budgeting tools, so if you dont, thats okay, I can help you. I offer a free budgeting service to all my clients, enabling them to keep track of their finances without restricting or telling them how to spend their money.... We are currently in unprecedented times and a lot of us are struggling, so Id like to extend this offer to everyone. If it is something you have ever thought about or you are hearing about the concept for the first time this is the perfect opportunity to take control of your financial situation. This service isnt just for people that need help, Im happy to work with anyone no matter your situation. This budgeting tool isnt about restricting you from spending money. It is designed simply to give you the peace of mind that bills and expenses are accounted for, leaving you in control of what happens to the left-over amount. The service is simple, adaptable for changing circumstances and is automated so you can continue with your life while it works its magic in the background. 59% of Australians admit their current financial situation causes them stress or loss of sleep. Whether you are someone struggling to make ends meet, or you want to reap the benefits of having a structured savings plan, contact me today and sleep well tonight knowing we are building the foundations for a better tomorrow. Feel free to inbox me or send me a text on 0417 411 666 - Nathan

18.01.2022 Do you pay your rent on time? Having a 6 month history of paying your rent on time is a big tick in the eyes of the banks. By making your rental payments week in, week out, it shows the banks that you have a strong track record of making large and on time repayments consistently. ... So keep paying your rent on time, it will give you an advantage when you go to buy your own home.

17.01.2022 Amazing oppurtunity for anyone looking to build a new home!! Message me to see how you can take full advantage!

15.01.2022 COMPETITION WINNERS ANNOUNCED And the winners are... Jessie Scandrett... Isla Cooke Emily Nybo CONGRATULATIONS TO THE WINNERS! A big thank you to those who entered the competition and to everyone for their continued support! Love you all

15.01.2022 CALLING ALL BUSINESSES

14.01.2022 Merry Christmas! I hope you all have an amazing day, stay safe out there!

14.01.2022 Refinancing can put thousands back into your own pocket or help you pay off your home quicker. I take care of the whole process, making it simple and easy for you!

13.01.2022 As we all adapt to the COVID-19 situation, I want to let you know I am here to help my current and new clients with their finance options. I'm set up to help you online and over the phone. I have a range of online tools and calculators to help answer your questions. If you're thinking about purchasing or refinancing, some of the questions I can help answer are:... Can I save repayments by switching to another loan? Am I better off if I lower my current repayments with my existing loan? What are the benefits of a Variable vs a Fixed home loan? Is now the right time to look at changing? With many different Government incentives available, you may consider some helpful for your situation. If you do need to change your financing arrangements, I can help answer your questions. Some include: What should I consider if I enter a loan deferral arrangement? (This is where lenders are offering a 3-6 month break from your mortgage repayments). How would my loan repayments change if I switched from Principle and Interest to an Interest Only loan? How do I apply for Financial Hardship? If you have any questions regarding your current situation, please don't hesitate to get in touch. Stay safe, stay strong, we'll get through this.

12.01.2022 Home loan pre-approval ~ What is pre-approval? ~ Pre-approval is an indication from a lender that they are willing to approve your loan when you find the right property, based on your income and savings.... Pre-approvals are subject to conditions and it does not guarantee that your home loan will be approved, although it is more likely to be approved if you have pre-approval in place. ~ Why should I get pre-approval? ~ It provides a clear amount that you can afford on your home. Knowing this will help you narrow down your search and avoid wasting time on homes that are too expensive. Once you’ve found ‘the one’, having pre-approval puts you ahead of the rest of the potential buyers. It shows you are serious and most of the legwork has already been done to secure finance so it can potentially speed up the process once your offer has been accepted. Pre-approvals usually last for 90 days so you’ve got plenty of time to find the perfect home. Pre-approvals are important if you are looking to purchase at an auction, as you need to know what the maximum amount you can borrow is. There is no cost for a pre-approval. ~ When is the right time to get pre-approval? ~ You can start the process for pre-approval at anytime, the most preferred time would be before you start looking at properties. Pre-approval can take up to 1-2 weeks so if you aren’t planning on submitting an offer in the next week, pre-approval is something you should consider. ~ Pre-approval process: ~ 1. Have a chat with me to see if pre-approval is suitable for your situation. 2. I will prepare your application. 3. Obtain pre-approval. 4. Then you can go property shopping with confidence! If you have any questions, please don't hesitate to contact me. I hope you all have a great week!

11.01.2022 FAQ's How much does it cost to use a mortgage broker? It doesnt cost the borrower (you) anything. ... There are some exceptions, if you refinance your loan outside your broker within 24 months, you may be charged a clawback fee*. The best way to avoid this fee is to stay with the same mortgage broker or wait 24 months before switching brokers, banks or lenders. *A clawback fee is a fee charged by the banks to mortgage brokers for home loans that are repaid or refinanced within two years of settlement. How does a mortgage broker get paid? A mortgage broker gets paid a commission from the bank or lender once the loan has been settled. The commission is a % of the amount borrowed. You are allowed to ask the mortgage broker what they will get paid from your home loan, always ask. Do I get charged a higher interest rate if I use a mortgage broker? No, the commission paid to the broker from the lender is separate, in fact, in some cases you may be able to receive a lower interest rate using a mortgage broker, rather than going to the bank directly. Does a mortgage broker work for the banks? No, the mortgage broker works for you! Although we can offer products from many different lending institutions, we are not linked with any specific bank or lender and can offer you the best loan product for your situation. We want to help you by providing the best service we can! Thanks for reading! - Nathan A-P p.s if you share this post or tag a friend, I'll tag you in a funny video, totally worth it..

11.01.2022 For those in a position to refinance, now is a great time to do so! Interest rates are at historic lows Refinancing could make your repayments lower, opening up more cash for you and your family ... Or It could allow you to pay off your mortgage quicker! This article is from 2018 but the info is still relevant

09.01.2022 $25k HomeBuilder Grant

09.01.2022 Massive congratulations to Adam for purchasing his first home! You have been incredible to work with and it's been an absolute pleasure to help you achieve your dream. Thank you so much for putting your trust in me to finance your home.

08.01.2022 Don't be afraid to check in on those around you

07.01.2022 Hey guys, hope everyone is well Trying something different here with Pt 3 of FAQ's. Let me know if you like or dislike the picture format ... Thank you all for the continual support.

06.01.2022 ~ Refinancing ~ ~ Free financial health checks ~ Do you know what your current interest rate is on your mortgage?... With interest rates the lowest weve seen in decades, now is a great time to review your mortgage. Our financial situation is constantly changing, so it's important we check in to make sure our mortgage is working with us to achieve our goals I'm offering free financial health checks. That means I can review your current mortgage and loan products to make sure they are the best for your situation. I can help find and put in place the right financial product/s to suit your current situation and future plans. Contact me today for a free financial health check that has the potential to save you money and reduce the term on your loan. m: 0417 411 666 e: [email protected] ig: nathanap.finance I am very flexible to your preferred form of communication. Just let me know! Call, text, socials, email, face time, etc, even carrier pigeon*. *please dont hold me to using a carrier pigeon.

05.01.2022 Congratulations to Tayla & James for securing finance on their new car! Thank you for putting your trust in me, it was an absolute pleasure to be able to work with you both. Because Tayla & James mentioned the York Roos Football Club, I have donated $100 straight to the club!

04.01.2022 Hey you! Is now a good time to refinance my mortgage? Short answer - YES!... Can you get paid thousands to refinance with another lender and get a better interest rate? Short answer - YES! Can you switch your home loan and keep banking at your current bank? I think there is a pattern forming - YES! Interest rates are at historic lows, with some lenders offering owner occupied fixed interest rates under 2%. If you aren't into locking yourself in to a fixed rate, there are plenty of great low variable rates available. Some lenders are offering thousands of dollars in cash back to refinance with them, they are literally offering to pay you to switch! Terms & conditions do apply so send me a message and I'll let you know if you would be eligible and how much cash back you could get. So do yourself a favour, look up your interest rate, send it to me and I'll let you know if you're on a good deal. You could make and save thousands.

04.01.2022 WIN 1 of 3 $50 VISA GIFT CARDS - HOW TO ENTER - LIKE / FOLLOW the Nathan Aurisch-Pike - Mortgage Broker Facebook page.... LIKE this post. TAG 2 friends in the comments below. - FOR ADDITIONAL ENTRIES - SHARE this post = 1 extra entry. FOLLOW the Nathan Aurisch-Pike - Mortgage Broker INSTAGRAM page @nathanap.finance = 1 extra entry. Good luck everyone! Competition ends 11.59pm, Wednesday the 3rd of June, 2020. Winners will be announced and contacted on Thursday the 4th of June, 2020. Maximum of 3 entries per person. Winners will be computer generated.

03.01.2022 Incredibly excited to be able to partner with the York Roos Football Club

02.01.2022 Make sure to check your interest rate as you may be paying more than you should be. Once you've checked it, message me and we can have an obligation free chat about your current rate.

01.01.2022 How much do I need for a deposit on a home?

01.01.2022 *Important news about building a new home* Some builders now have policies in place where you must have pre-approval or a letter of eligibility from your broker in order to secure a block of land. Please don't hesitate to contact me if you have any questions.

01.01.2022 Back for 2021! Because of my amazing clients, I was able to donate $300 in 2020 to the York Roos Football Club. We are already off to a quick start in 2021 with this years total sitting at $100.... Thank you to my incredible clients and the York Football Club for making this possible! Go Roos