Nectar Mortgages: Alex & Pauline Filipovic | Mortgage brokers

Nectar Mortgages: Alex & Pauline Filipovic

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25.01.2022 A doer-upper or brand-spanking new Check out our latest blog about investment properties courtesy of Meridian Australia

25.01.2022 SA - stay safe this lockdown. We've got through this before and we'll get through it again! Your health and financial well-being are our #1 priority. We're fully set up to help you with any loan enquiries remotely and we're here to help So if you need help with a new or existing loan, please get in touch

24.01.2022 To use the $15,000 HomeBuilder Grant, you have until 31 March to get your building contract signed For help assessing your eligibility or finding the right finance for your build, please get in touch We have access to 30+ lenders to find you the right loan, not just the easiest!

24.01.2022 Still renting? 2021 could be the year that you unlock your home ownership dream If you're comfortably managing rental payments by yourself or with a partner, you may be able to pay off a mortgage! To get the full picture and see where you stand, get in touch All loans subject to suitability. ACL 387856.

23.01.2022 ...and the deals keep on coming in 2021! Cashback deals are a real sweetener for new loans and refinances, but be sure to check with us if the offer you've seen is right for you. We'll help you make the right financial decision to put more money in your pocket over the long term

23.01.2022 Imagine building your own home on an empty section! That's exactly what a number of first home buyers (FHBs) are doing right now, making the most of the $25K HomeBuilder scheme. To see which FHB schemes you might qualify for, get in touch today

23.01.2022 New scheme announced! The Family Home Guarantee Starting 1 July 2021, the new guarantee enables divorced or separated parents with dependent children to purchase a home sooner with a deposit of as little as 2%.... 10,000 guarantees will be provided over four years. More details will be announced on Tuesday evening.

23.01.2022 There are so many deals for First Home Buyers! - First Home Loan Deposit Scheme: buy with as little as 5% deposit - HomeBuilder: $25,000 for new builds - Stamp duty exemptions - State-based first home owner grants + record low interest rates!... Get in touch for help taking advantage of these amazing offers and get on the property ladder sooner See more

23.01.2022 The government will increase the maximum voluntary contributions that can be released under the First Home Super Saver Scheme (#FHSSS) from $30,000 to $50,000 That's potentially an extra $20K you can access for your first home #loan deposit Check back here tomorrow for the key announcements from tonight's budget

22.01.2022 Heading into 2021 on a high interest rate? Be sure to book an appointment with us in the new year Getting your loan reviewed early could mean you start saving sooner For now though, kick back and enjoy Christmas

22.01.2022 What do you value in a home loan? With low interest rates, some Australian's are locking in fixed-rate mortgages while others are opting to split their loan between fixed and variable. What works best for you will depend on your financial situation and ambitions. We can walk you through different scenarios and help you decide

21.01.2022 Get your guesses in - how much longer will the RBA keep the cash rate on hold? The rate has not moved now since November 2020

21.01.2022 The official cash rate is holding mortgage rates at record lows, helping Australians get a more affordable loan! Rates won't stay this low forever, to get your slice of the action, get in touch

21.01.2022 With the financial year ending on 30 June, now could be a great time to score a sweet deal on new wheels To finance a new or used vehicle, get in touch - we'd love to help #Car #Finance #NewCar

21.01.2022 Whether you're gathered around the tree or the table, playing a game, singing a song or sleeping on the couch however you choose to spend it, have a fantastic Christmas day We'll see you in the New Year

20.01.2022 The Reserve Bank has kept the cash rate at 0.25% for the 6th consecutive month. Does anyone bet on it changing any time soon?

20.01.2022 Thrilled to be part of such a great team! We were very happy and humbled to take away a great haul of silverware at the 2020 Professional Lenders Association Network of Australia Awards Thanks to all of our fantastic customers who make awards like this possible

20.01.2022 The Reserve Bank have decided to leave the cash rate at 0.25% for another month. The rate last changed in March and has helped keep lending interest rates at an all time low!

19.01.2022 Alex had the pleasure of catching with Matthew Rosie today about the lending market. In this video, we talk about some of the great ways for First Home Buyers to get a deposit together, as well as some options for refinancing to a lower rate. If you'd like to know anything else, leave a comment below or send me us a message - we'd love to help.

19.01.2022 Home loans are still at historically low rates If you haven't checked your mortgage in a while, you could be paying too much! Get in touch with us for a free review We saving our customers money!

19.01.2022 Before you get serious about house hunting, you need to know what your price range is. Punch the numbers on our calculator and then get in touch with us to get your pre-approval sorted https://www.nectarmortgages.com.au/how-much-can-i-borrow-c/

18.01.2022 New homes are flying off the shelves! A Housing Industry Association survey of the largest home building firms in our five largest states shows that New Home sales increased 61.3% in the three months to August 2020! With the $25K HomeBuilder grant, you too could be a step closer to owning your own brand new home Get in touch to find out how

18.01.2022 Could you buy your first home sooner than expected? With record low interest rates, assistance like HomeBuilder, First Home Owner Grants, First Home Loan Deposit Scheme & Stamp Duty exemptions could help make your dreams come true! Get in touch to find out how much you could borrow

18.01.2022 With holidays likely to be local for a while, what better time to hit the road in the land of green and gold! Get in touch to find out the latest vehicle loan rates and get quick turnarounds on finance

17.01.2022 By the end of September, we anticipate providing unconditional approval in under an hour for around 30 per cent of our home loans. Andy Kerr - Executive, Home Ownership at NAB. At Nectar, we're all about delivering exceptional customer service, so we love seeing any changes that make a loan process faster and easier for our customers Hopefully other lenders follow suit

16.01.2022 If an investment is on the menu in 2021, check out this list of 21 suburbs tipped to see great growth in the coming years!

16.01.2022 Do you qualify for the First Home Loan Deposit Scheme for a new home? Follow the link below to see price caps, maximum income levels and eligible property types in your area - then give us a shout to get your home loan sorted

16.01.2022 Are you paying too much for your home loan? Data from the Australian Bureau of Statistics shows that in May 2020, $15.1 billion of $31.5 billion in mortgage lending was for refinances a record high proportion! Call us for a no-obligation mortgage review, it might be the best phone call you ever make ... All loans subject to suitability. ACL 387856.

16.01.2022 JobKeeper has been extended to 28 March 2021 with some key changes: From 28 September 2020 to 3 January 2021, employees will receive $1,200 in JobKeeper payments per fortnight. From 4 January to 28 March 2021, employees will receive $1,000 per fortnight. Employees working less than 20 hours a week will receive $750 per fortnight initially, and then $650 from 4 January to 28 March 2021.... From 28 September 2020, businesses and not-for-profits will need to reassess their eligibility based on their actual June and September quarter turnovers. See more

15.01.2022 Why is a pre-approved loan so important? 1) It gives you a number to work with - no time wasted house-hunting outside of your budget! 2) You'll be taken more seriously by a seller as someone taking steps to get their finance ready 3) Properties are selling fast! Any delays obtaining pre-approval could see you miss out on your dream home ... Get in touch with us to get your pre-approved loan sorted, and get one step closer to owning your dream home See more

15.01.2022 First Home Loan Deposit Scheme applications are open and you could buy your first home with just 5% deposit But only 10,000 spots are available Get in touch with us for help with your application and any of the other buyer grants available now

14.01.2022 #Solicitors and #Accountants did you know you that many banks and lenders will approve you for a #loan up to 90% of a property's value? That means less time required to save for a deposit Get in touch to find out how much you could borrow

14.01.2022 Full steam ahead for HomeBuilder! Application forms are now available from the link below For help completing your application, or to check your eligibility, please get in touch We'd love to help.

14.01.2022 Regional Australia is looking good for long-term returns With a more affordable entry point than capital cities and a multitude of lifestyle benefits, buyers are flocking to the regions To get the right finance for your dream home, get in touch We'd love to help

13.01.2022 Do you qualify for the #FamilyHomeGuarantee? Starting 1 July, single parents with dependent children can purchase a #home with 2% #deposit and no #lenders mortgage insurance! There will be 10,000 places over four years. To apply you must be 18+ and have a gross income of no more than $125,000 p.a. Similar schemes have been popular, so to avoid missing out, get in touch with us We can help with your application and find you the right #loan for your family home

13.01.2022 Big news The government will be encouraging lenders to ease 'over-the-top' requirements for loan applications, particularly regarding paperwork As brokers, we're all about making the loan process easier for our clients, and will be watching how this unfolds with great interest!

12.01.2022 Over the last 12 months, more suburbs have entered the million-dollar club than suburbs that have fallen out, but there are still some opportunities to get into a premium suburb for six figures. -- Nerida Conisbee, realestate.com.aus Chief Economist.

12.01.2022 Time to switch loans? Data from the Australian Bureau of Statistics shows that in May 2020, $15.1 of $31.5 billion in mortgage lending was for refinances a record high proportion! Call us for a no-obligation mortgage review, it might be the best phone call you ever make

12.01.2022 If your interest rate starts with a 3 you could be paying too much! From a short conversation, we can see if you're eligible for a lower rate and if a refinance makes sense for you. Lower interest = lower repayments! Flick us a message to get started

12.01.2022 We're hearing from some first home buyers that their rental payments are comparable or even higher than potential mortgage repayments See how your rent compares using our calculator and get in touch to see how we could help you realise your dreams https://www.nectarmortgages.com.au/loan-repayments/

11.01.2022 From the whole team here at Nectar, have a fantastic long weekend!

11.01.2022 House hunting without a pre-approved loan? To know what properties you can really afford to buy, speak to us first and find out how much you could borrow We'll take you through different options and scenarios and help you plan your purchase

10.01.2022 Seen a property you like? Use our calculator to find out what your repayments would be If it sounds like something you could afford, get in touch with us and we can start the pre-approval process https://www.nectarmortgages.com.au/loan-repayments/

10.01.2022 2021 here we go We wish you all the best for the year to come and are here if you'd like help ticking off any resolutions Be sure to relax today, take it easy on the roads and enjoy your summer

10.01.2022 More lenders means more options and more chances to get you the right home loan With interest rates at historic lows and lenders competing for business, get in touch with us to kick start your property dreams

10.01.2022 Summer got you dreaming of the island life? These isolated homes by the shore have a reasonable price-tag that could see you leaving the mainland behind! If you're just the right amount of crazy, get in touch for a chat about financing an island property

10.01.2022 Three reasons to consider a refinance 1) Interest rates are at an all-time low. Reducing your repayments with a cheaper interest rate = more money in your pocket each month 2) Reducing your interest rate could allow you to pay off your loan faster. As your loan amount decreases your usable equity increases ... 3) If you already have good equity from property appreciation, as well as refinancing, you could use the equity for other purposes such as renovations, an investment, or just to create some breathing room. Lender fees may apply for switching loans. To find out what the right choice is for you, get in touch

09.01.2022 Breaking news! The Government has granted another $15.6 billion to JobKeeper. Changes: To qualify, businesses will now only have to show a decline in turnover in the September quarter compared with a comparable period in 2019.... Hopefully this comes as welcome relief to a number of Aussie businesses

09.01.2022 Think you've seen the best deal around? Check with us first Many lenders have current cash-back offers for switching loans. We can help you choose the one that will put the most money back in your pocket - not just now, but over the life of your loan

09.01.2022 Brokers are picking refinancers and first home buyers to drive the mortgage market in 2021. WHY? With such low interest rates, there's never been a better time to buy your first home or switch to a better rate on your current loan Get in touch with us to see what your options are

09.01.2022 Getting a #mortgage for an #apartment usually comes with different terms and conditions than a detached #house If you're considering an apartment for your first home, get in touch with us first We can explain all the different #loan options and help you find the right finance

08.01.2022 Do you know when your fixed-rate expires? By getting prepared before your #loan expires, you'll minimise any time repaying a higher rate at the end of your term For help #refinancing to a new low-interest fixed-rate, get in touch

08.01.2022 We work for you, not the banks! As COVID-19 has impacted many Australians, mortgage brokers have been working diligently with their clients to ensure they are in the best possible position to ride out the storm and improve on their current debt situation. #brokerbehindyou #heretohelp

08.01.2022 #Doctors did you know you that many banks and lenders will approve you for a #loan up to 95% of a property's value? That means less time required to save for a deposit Get in touch to find out how much you could borrow

07.01.2022 Property price caps have been released for the Family Home Guarantee Click the link below to see the threshold in your area This fantastic new scheme helps single parents buy a home with as little as 2% deposit! Get in touch to see if you qualify All loans subject to suitability. Terms and conditions apply. ACL 387856 #familyhomeguarantee #finance #mortgagebroker

07.01.2022 Imagine a sweet new set of wheels for your summer roady Ask about our complimentary car-buying program which could help you save on the RRP of the vehicle. Already found the perfect car & just need your finance? Give me a call and I’ll get your wheels in motion, fast

07.01.2022 It's out business to get your business the right loan Whether you're financing vehicles and equipment or need a bigger loan for a commercial premises, get in touch to see how we can help

06.01.2022 Moving home? Nectar offers a FREE service to get your electricity, gas, pay tv, water, internet and phone connected before move in day Save yourself the stress & get in touch for more info

05.01.2022 Since the cash rate drop, we've seen many lenders reducing their fixed rates to record low levels and offering cashback deals Don't leap at the first offer you see, it may not be the right one for you. With access to 30+ lenders, we can find the right rate and offer for your financial situation Get in touch to see what's available

05.01.2022 The Housing Budget Key announcements - The Family Home Guarantee Single parents with dependent children can purchase a home with 2% deposit and no lenders mortgage insurance (LMI). Starts 1 July 2021 - 10,000 allocations over four years. ... Applicants must be Australians citizens, 18+ and have a gross income of no more than $125,000. - The First Home Loan Deposit Scheme (New Homes) First home buyers can build or buy a new home with as little as 5% deposit and no LMI. Applicants must be Australians citizens, 18+ and have a gross income of no more than $125,000 (singles) or $200,000 (couples). Regional property price caps apply. Another 10,000 allocations from 1 July 2021 - 30 June 2022. - The First Home Super Saver Scheme The maximum amount of voluntary contributions that can be released towards a home deposit increases from $30,000 to $50,0000. These schemes could prove a huge help to getting more first home buyers and single parents into their own homes. To see if you qualify for this assistance or any other schemes, please get in touch We'd love to help

05.01.2022 If you're paying off multiple high interest credit cards, a debt consolidation loan could make repayments easier. Get in touch to see if this could work for you and how much you might save All loans subject to suitability. ACL 387856.

04.01.2022 R U OK? Now more than ever, these are the conversations we need to be having. To our friends, family, customers and all Australians, if anything is getting on top of you, please reach out It's OK to ask for help!

04.01.2022 Did the ol' trusty wagon survive the new years road trip? If you need new wheels for the new year, we can find competitive interest rates and the right loan structure for your requirements. Get in touch to accelerate your finance

04.01.2022 Home loan interest rates are still at all time low If you haven't had your mortgage checked by a broker recently, you may be paying too much. We'll assess your eligibility for a better rate from over 30 lenders, so get in touch to book your review today

04.01.2022 With HomeBuilder offering $25,000 for substantial renovations, now could be the time to add value to your property Get in touch to find out more details and see if you qualify Terms, conditions and property value caps apply. All loans subject to suitability.

03.01.2022 Did you know that second-hand business assets qualify for the instant tax write off (raised to $150K and extended until Dec 31)? That means you can score a bargain on your next work vehicle or piece of equipment and still write off tax! For any help financing an asset, please get in touch

03.01.2022 Need the right finance to buy a car? Many dealerships offer on-site finance, but there are potential pitfalls to be aware of. Dealerships: Sometimes mark-up their prices to offset lower interest rates on offer.... Often include balloon payments* at the end of the loan period, which can result in you paying more interest over the life of the loan. Usually only finance new cars. Brokers: Have access to multiple lenders to find you the right rate and a suitable loan type for your situation. Give you more flexibility to modify your loan and repayment structure or refinance to a lower rate in the future. If you’d like help financing a car, please get in touch

02.01.2022 Under the instant asset write off scheme, business tax deductions can be claimed upfront, instead of spread over several years through depreciation (t&cs apply) Better yet there is no limit to how many assets you can purchase under the scheme To qualify for this year’s rebate, assets or vehicles must be purchased and installed by June 30, so don’t delay! For help financing vehicles or equipment to grow your business, get in touch

02.01.2022 We want to hear from you! If you've put dreams of owning your first home on hold, we want to know why Send us a DM or leave a comment below, and let us know what challenges you're facing There is unprecedented support for first home buyers right now and as mortgage brokers, we can help you take advantage All loans subject to suitability. ACL 387856.

02.01.2022 2021- Year of the First Home Buyer Low interest rates First home grants and schemes Stamp duty relief A mortgage broker to guide you every step of the way and seek you the sweetest loan Talk to us today and put a tick in the last box

01.01.2022 My latest review on RateMyAgent: "To say Alex went above and beyond is simply undervaluing the time and effort he put into getting us across the line with our loan. Alex took us on after another mortgage broker lead us astray and caused a lot of problems. We commend Alex’s efforts and to be able to help us get out of the mess we were in. ... The whole 9-month process was one of the most emotionally and mentally challenging things we had been through as first home buyers but Alex's guidance, advice and patience was greatly appreciated throughout the process. He provided us with experienced advice but also did not sugarcoat anything when we needed to hear things straight. It helped us prepare ourselves mentally and financially to be able to achieve our goal of getting into our first home. Alex did all this during one of the toughest times in the real estate industry (during the HomeBuilder grant) and did it with a calm, reassuring demeanour. We had full confidence in Alex's expertise and guidance and can not fault him one bit. We would highly recommend Alex to anyone looking for an experienced mortgage broker."

01.01.2022 We love hearing comments like this and we LOVE helping First Home Buyers (FHBs) achieve their home ownership dreams To secure your place in the First Home Loan Deposit Scheme or any other great FHB schemes, talk to us first

01.01.2022 Great news for SMEs! The government has expanded the SME Guarantee Scheme, which guarantees 50% of the value of new unsecured loans to SMEs from a panel of 44 lenders. Here are the changes: From 1 October 2020 - 30 June 2021: 1 The max loan amount increases from $250,000 to $1 million per borrower.... 2 The maximum loan term increases from three to five years. 3 The loans can be used for more than just working capital, allowing a wider range of investment. 4 Secured lending will be permitted (excluding commercial or residential property). 5 Participating lenders can offer repayment holiday periods at their discretion. Want to grow your business, support cashflow or invest in capital? Get in touch today - it's our job to find you the right finance

01.01.2022 One of our lenders is offering $1000 cashback on business asset loans settled before Oct 31 get in touch to see if this could be a good solution for your business Terms and conditions apply. All loans subject to suitability. ACL 387856.