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Niki Daly

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25.01.2022 CLIENT LOVE Our main source of marketing is word of mouth so feedback like this means everything Thanks Mel and Chris, we got there in the end and I can’t wait to see your home get built and your little family move in!

25.01.2022 IS IT TIME TO REVIEW YOUR HOME LOAN? Lets make sure it is working for you not against you

25.01.2022 Is anyone else obsessed with Real Estate some people are up late watching tic tocs, me? Im scrolling property Currently looking at holiday home options in Tasmania Where would you live if you could go anywhere?

25.01.2022 Have I mentioned our team is awesome We love getting feedback from our clients

24.01.2022 Why choose one bank when you can choose from many Let us help find you the best fit for you

24.01.2022 Happy Born Day Lady Nicole Gomersall

24.01.2022 WHY SHOULD YOU GET PRE-APPROVED? The first obvious reason is so you know how much you can borrow and spend, and the fastest way to figure this out is to see a Mortgage Broker, but there are other reasons that you may not have thought of. UNDERSTAND YOUR BORROWING CAPACITY... There is no reason to spend your weekends at open homes, for properties that you are simply never going to be able to afford. When you get pre-approved, youre going to quickly get a very clear picture of exactly what your borrowing capacity is going to be, which will then shape your decision-making going forward. TIDY UP YOUR FINANCIALS When looking to get pre-approved, this is the perfect opportunity to tidy up your financials and make sure everything looks good to the lender. That gives you the very best opportunity of being able to borrow. PRESENT A STRONGER OFFER Having your finance already in place with a pre-approval means that your offer will be stronger than your competitors. When a property is receiving multiple offers, your subject-to-finance clause will not be as much of a factor if the vendor knows you are pre-approved and able to act quickly. SETTLE QUICKLY Going through the process of getting finance is not always that quick, both from the perspective of getting your own financials together, as well as going through the lenders assessment process. When youve been pre-approved, youve done the bulk of the work already and if you and your mortgage broker are confident, you could potentially put in an offer with a shorter settlement period. IMPORTANT TO NOTE It is important for the potential borrower to understand that not all pre-approvals are created equal. Some lenders will simply run a pre-approval application through their software to get an idea if the potential borrower has a chance of being approved. Thats not what you want as a borrower, as it takes away many of the advantages of having a strong pre-approval in place. This highlights why it is so important to work with a mortgage broker who understands the process. Make sure your pre-approval is assessed correctly, so you can have the confidence to make a strong offer. If you know what you want and are ready to get started, get in touch and lets chat. Niki Daly - Mortgage Broker 0421 852 405

21.01.2022 Exciting changes happening soon In the meantime some random lion facts to keep us entertained #ROAR

20.01.2022 We are so excited in the office Can’t wait to show you what’s happening

20.01.2022 Are you a First Home Buyer and looking to purchase in NSW? The Federal and State Government are offering more financial incentives by the day, there has never been a better time to get into the market! So whats on the table? The NSW State Government will see stamp duty exemptions increased on both ESTABLISHED and NEW homes.... Eligible first home buyers can potentially access stamp duty exemptions on new home purchases of up to $800,000. Those looking to build new will also see stamp duty discounts available for purchases between $800,000 and $1 million. ** This is a temporary program and will be available for 12 months. These stamp duty exemptions are available in conjunction with a number of other programs, including the HomeBuilder and First Home Buyer Grants, if eligible.

19.01.2022 Apparently its National Avocado Day whats your favourite way to eat Avo? I love it smashed on sour dough with feta Happy Friday everyone

18.01.2022 Its time to take it home Who is watching the game tonight? #UpTheMightyBlues #StateOfOrigin #GameThree

17.01.2022 Its Monday again! Time to get stuck in and help some clients, whether it be refinancing to get them into a better position, discussing their borrowing capacity so they can start looking at property or celebrating their settlement on their new home #lovemyjob Can I help you? Click on the button below to send me a message today and lets chat.

16.01.2022 Moments like today when a client has found the perfect house And it just happens to be the very first house he lived in with his wife over 20 years ago #sentimental #lovemyjob #brokerlife

14.01.2022 TOP TIPS FOR INCREASING YOUR BORROWING CAPACITY Are you looking to buy a new home or investment property? Here are some tips on how to help maximise your Borrowing Capacity to get that property you want. Cut back on spending - how much you can borrow is based on your income minus expenses so cutting back on those unnecessary spends will help. Short term pain for long term gain.... Cut your debts - things like car loans and credit cards can significantly reduce your borrowing. Tidy up your credit score - make sure there are no red flags and you have a healthy credit history. Things like paying bills on time is important. Avoid easy money traps - payday loans or buy now pay later, can hit your credit score and also look bad from the lenders perspective. If you have any questions or you want to see what your Borrowing Capacity is right now, get in touch and lets chat. Niki 0421 852 405

13.01.2022 Since the Covid began, more than 900,000 loans have been deferred by banks in Australia. At least half of these customers will be assessed in coming weeks as they approach the end of their six-month deferral period in September and October. According to ANZ in an article posted to The Advisor this week, 10% of their Mortgage Clients (approx 15,000) currently deferring are not going to be able to start repayments again when their deferral period comes to an end, or anytime in... the near future. In these uncertain times having your Home Loan reviewed may be able to give light at the end of the tunnel. Get in touch, we would love to help if we can. Niki Daly - Mortgage Broker

13.01.2022 THE NEW HOME BUILDER PACKAGE - How can you cash in on it? Builders and renovators are pretty happy at the moment after the Federal Government announced the new HomeBuilder program, which will see those eligible receive a $25,000 grant. ARE YOU ELIGIBLE? ... A renovation must be valued between $150,000 and $750,000 with income limits for those applying sitting at $125,000 for singles and $200,000 for couples. While the value of the property cant be more than $1.5 million. So what are the best ways to use HomeBuilder and add some serious value in the process? Open Up Your House. One of the best ways to add value to your current home is to do some structural renovations and that usually means removing walls. Removing walls is a great way to convert an older style home into a more modern open plan layout. Removing walls is an expensive process and you need to get all the associated local Government approvals which can add up. Add a Second Bathroom A second bathroom is a great way to not only add value but also improve the livability of a home. Most modern-day homes come with a second bathroom or ensuite and a great cost-effective way to do this is to convert an old outdated laundry into a shiny new bathroom. Upgrade the Kitchen The first thing most people look at when buying a home or inspecting a rental property is the kitchen. A modern kitchen that is well laid out and easy to use adds huge appeal to a home and can make your life a lot easier in the process. If you think this might be something you are interested in, and you qualify, feel free to get in touch to discuss further, we are here to help. Niki Daly - Mortgage Broker 0421 852 405

11.01.2022 Weekends are for this I hope you are doing something amazing this weekend

11.01.2022 I am very excited to let everyone know that after 13 years with my Award Winning Wedding Photography business I have decided to take on a new direction - back to the finance industry as a Mortgage Broker. I have over 15 years experience, working for CBA and I am proud to say I am now a member of the Intelligent Home Loans Team. We have access to over 30 Lenders and we offer financial solutions to clients all over Australia. Fee free Obligation free 100% Customer focu...sed Do you need assistance due to Covid? You may benefit from lowering your current repayments or having an obligation-free review on your Home Loan to make sure it is still meeting your needs. Of course if you are looking to purchase a property, whether its your first or fourth, we are here to help. If you have any friends and family that are needing some assistance please feel free to pass on my details, they will be in great hands! Thanks for your support and I look forward to helping everyone with their Finance needs. Niki Daly - Mortgage Broker 0421 852 405 [email protected] This is one of my new hobbies have you paddleboarded before?

09.01.2022 Is your mortgage starting to stress you out? We are here to answer any of your questions and we can also do a Home Loan review to make sure you are set up the best way possible Shoot us a message so we can help take your stress away

08.01.2022 Refinancing at the moment with rates as low as they are can mean lower repayments and more cash in your back pocket! We have made it easy for you to see if refinancing is a good option for your situation. Shoot me a message and lets see if we can help

08.01.2022 "HOW MUCH CAN I BORROW?" You need to know how much you can borrow so you know how much you can spend, right? Probably the most common questions asked. Althou...gh the question is quite straight forward and to the point, the answer can be a little less clear. Although on paper we can work out borrowing power quite quickly we like to EDUCATE our clients on the impact borrowing to the "max" can have on their lifestyle. How will the repayments impact your ability to keep living the lifestyle you want? How will this impact you if you decide to change jobs or start a family? We pride ourselves of going the extra mile to get to know our clients and help them reach their goals by tailoring a finance solution for them. Of course the answer is different for each person so shoot us an e-mail or give us a call and we would be more then happy to assist. Happy Friday! From the IHL Team. #borrowingcapacity #homeloan #mortgagebroker

05.01.2022 Are you looking at getting a Pre Approval, Refinance or just need help finding out what your bank can do for you in these troubling times, please reach out. We are here and we are happy to help where we can. Contact me on 0421 852 405 or [email protected] and lets chat.

04.01.2022 I hope everyone had a lovely weekend! This was our sunset last night, definitely can't complain! Have a great week from wherever you are Happy Monday

02.01.2022 Here is some interesting info about Covid and how it is affecting real estate markets so far

02.01.2022 Buy vs Rent - Whats the Best Option in 2020? With interest rates at their lowest level in more than 50 years, in many locations around Australia, its now becoming cheaper to buy than rent. So, should renters start thinking about buying? ... Pros of Buying Record low interest rates mean record low repayments. The Government is throwing tens of thousands of dollars worth of incentives at first home buyers. Youre buying an asset that will appreciate over time. Its yours and you can do what you want with it. Pros of Renting You can live anywhere you want including higher priced suburbs, which might not be easy to buy into. You wont need to save up a large deposit to continue as a renter. The landlord will pay for maintenance and repairs. Youre free to move and live in different areas and cities. So is 2020 your year to stop renting? Lets have a chat and see what your Borrowing Capacity is, you might be surprised. Niki Daly - Mortgage Broker