NRG Finance in Taylors Lakes, Victoria | Mortgage brokers

NRG Finance

Locality: Taylors Lakes, Victoria

Phone: +61 1300 495 739

Address: 11 Bellbird Avenue 3038 Taylors Lakes, VIC, Australia

Website: http://NRGfinance.com.au

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24.01.2022 3. COLLATERAL (Security) . . The borrower’s security for the proposed loan. .... FACTORS LENDER CONSIDER: -Type of Security (Property/land/Vehicle/etc.) -Value and marketing of security -Security age, location and attributes . . LENDERS WANT TO KNOW: -Do you have sufficient security for the loan? -Is the security for the loan acceptable to the lender . . INFORMATION USED TO ANSWER THESE QUESTIONS: -Valuations report prepared by a third-party firm arranged by the lender -Postcode Searches . . . If you or someone you know is considering buying and needs help with navigating the new ‘COVID NORM’ lending environment than please reach out to your NRG Finance Solution Specialist today for your chance to receive $500. . . DID YOU KNOW: Did you know your NRG Finance Solution Specialist is more than a finance broker. We are a holistic Solutions Specialist. We can help put the right steps in place to get you there. Reach out today. . . . . . . #Nrgfeels #solutionspecialist #newhomefeels #newcarfeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #helpingpeople #financeandproperty #accountants #realestate #melbournerealestate #approved #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #tips #melton #truganina #moneytips #mortgagetips #mortgagebrokercarolinesprings See more

24.01.2022 RBA ANNOUNCES RATE CUT! . . In October, the RBA reiterated a commitment to maintain highly accommodative policy settings as long as required. RBA governor Philip Lowe highlighted the importance of the labour market as the Board continues to consider how additional monetary easing could support jobs and the overall economy. In terms of unemployment, we want to see more than just ‘progress toward full employment,’ governor Lowe said in his speech. We want to see a return to ...labour market conditions that are consistent with inflation being sustainably within the 2 to 3 per cent target range. The 2020/21 Federal Budget was delivered on the same day as the October cash rate announcement. The Budget highlighted the Government’s economic measures to support Australian households and businesses on the path to recovery. Given the cash rate cut, now is the perfect time for us to review your home loan, and check whether you are getting a competitive deal. Get in touch today. . . If you or someone you know is considering buying and needs help with navigating the new ‘COVID NORM’ lending environment than please reach out to your NRG Finance Solution Specialist today for your chance to receive $500. . . DID YOU KNOW: Did you know your NRG Finance Solution Specialist is more than a finance broker. We are a wholistic Solutions Specialist. We can help put the right steps in place to get you there. Reach out today. . . . . . . #Nrgfeels #solutionspecialist #newhomefeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #financeandproperty #accountants #realestate #melbournerealestate #approved #mortgagebrokeressendon #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #tips #melton #mortgagetips #mortgagebrokercarolinesprings #mortgagebrokertaylorslakes #mortgagebrokermelton

23.01.2022 The Governments Home Builder Grant Has Been EXTENDED!!! Q. What is it? A. The HomeBuilder scheme is a Federal Government program that currently provides $25,000 grants to eligible people building a new home or renovating an existing one. It had been due to expire at the end of the year.... Q. What’s changed? A. On 29 November 2020, the Government announced an extension to the HomeBuilder program to 31 March 2021. Changes to the HomeBuilder program include: A $15,000 grant for building contracts (new builds and substantial renovations) signed between 1 January 2021 and 31 March 2021, inclusive. For eligible first home buyers you may be entitled to the following which will allow you to save thousands and enter the property market sooner: - First Home Owners Grant (FHOG) - First Home Loan Deposit Scheme New Homes (FHLDS) - Stamp Duty Exemption - HomeBuilder Grant Sounds good, feels good but don’t forget t&c’s apply and certain criteria is to be met. Want to find out more? Reach out to your NRG Finance First Home Buyer Solution Specialist today!!! . #Nrgfeels #solutionspecialist #newhomefeels #newcarfeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #helpingpeople #financeandproperty #accountants #realestate #melbournerealestate #approved #essendon #carolinsprings #mooneeponds #taylorslakes #brokertaylorslakes #brokercarolinesprings #sydenham #brokermelton #brokeressendon

17.01.2022 AND THE RATES GO BOOM! . . Following on from yesterday’s rate cut we have now seen a major drop the first rate bomb! .... . 1.99% fixed for 4 years - BOOM. . DM us to find out more. . . Given the cash rate cut, now is the perfect time for us to review your home loan, and check whether you are getting a competitive deal. Get in touch today. . . If you or someone you know is considering buying and needs help with navigating the new ‘COVID NORM’ lending environment than please reach out to your NRG Finance Solution Specialist today for your chance to receive $500. . . DID YOU KNOW: Did you know your NRG Finance Solution Specialist is more than a finance broker. We are a wholistic Solutions Specialist. We can help put the right steps in place to get you there. Reach out today. . . . . . . #Nrgfeels #solutionspecialist #newhomefeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #financeandproperty #accountants #realestate #melbournerealestate #approved #mortgagebrokeressendon #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #tips #melton #mortgagetips #mortgagebrokercarolinesprings #mortgagebrokertaylorslakes #mortgagebrokermelton See more

16.01.2022 The Governments First Home Owners Grant!!! Q. What is it? A. The First Home Owner Grant (FHOG) was introduced in 2000 to partly offset the effect of the Goods and Services Tax (GST) on buying or building a home. It’s a one-off payment for eligible first home buyers who buy or build a residential property in which they live. It is a national scheme funded by the states and territories and administered under their own legislation. is a national s... . . DID YOU KNOW - You can receive up to $20,000 with the FHOG If you are buying or building a new home valued up to $750,000, you may be eligible for a First Home Owner Grant (FHOG). If you are eligible for the FHOG and the home you are buying is in regional Victoria, you will receive $20,000. If the home is not in regional Victoria, the grant is $10,000. The home must be less than five years old to be eligible for the FHOG. . . The government is currently offering some great initiatives to help first home buyers get into the property market. 1. The First Home Owners Grant (FHOG) Potentially receive up to $20,000 2. First Home Loan Deposit Scheme (FHLDS) Buy or build your first home with only 5% deposit and pay NO LMI 3. First Home Buyer Duty Exemption - Pay NO stamp duty on the purchase of your new home or land 4. $25,000 Builders Scheme Receive $25,000 for building your new home. Sounds good, feels good but don’t forget t&c’s apply and certain criteria is to be met. Reach out to your NRG Finance First Home Buyer Solution Specialist today to see if you qualify!!! . . . #Nrgfeels #solutionspecialist #newhomefeels #newcarfeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #helpingpeople #financeandproperty #accountants #realestate #melbournerealestate #approved #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #mortgagebrokertaylorslakes #melton #firsthomebuyer #firsthome #moneytips #mortgagetips #mortgagebrokercarolinesprings

12.01.2022 Victorian Government to Offer Stamp Duty Discounts . . In an attempt to help stimulate the housing sector the Victorian government has made a major announcement in yesterday’s state budget that could see Victorians save thousands. .... . As of the 24th November and until the 1st July 2021 the government will now be waiving 50% of Stamp duty on newly built or off the plan homes (valued up to $1 million) and 25% of stamp duty for existing homes. . . NOTE: This is NOT just for first home buyers!!! . . Want to know more? Reach out to your NRG Finance Solution Specialist today and put the right steps in place to get you home. . . . Do you know some one you could benefit from a conversation? Refer them to us for your chance to receive $500. . . . . #Nrgfeels #solutionspecialist #newhomefeels #newcarfeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #helpingpeople #financeandproperty #accountants #realestate #melbournerealestate #approved #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #tips #melton #truganina #moneytips #mortgagetips #mortgagebrokercarolinesprings #mortgagebrokertaylorslakes See more

10.01.2022 The Governments First Home Loan Deposit Scheme!!! Q. What is it? A. The First Home Loan Deposit Scheme is an Australian Government initiative to support eligible first home buyers purchase their first home sooner. Usually first home buyers with less than a 20 per cent deposit need to pay lenders mortgage insurance. Under the Scheme, eligible first home buyers can purchase a modest home with a deposit with as little as 5 per cent (lenders criteria also apply). This is because ...NHFIC guarantees to a participating lender up to 15 percent of the value of the property purchased that is financed by an eligible first home buyer’s home loan. . . CASE STUDY: . Lauren was looking at a brand-new house and land package at a cost of $450,000. With as little as $25,000 (Genuine Savings) and a spot on the FHLDS we were able to help get her finance approved and Lauren into her first home. . The government is currently offering some great initiatives to help first home buyers get into the property market. 1. The First Home Owners Grant (FHOG) Potentially receive up to $20,000 2. First Home Loan Deposit Scheme (FHLDS) Buy or build your first home with only 5% deposit and pay NO LMI 3. First Home Buyer Duty Exemption - Pay NO stamp duty on the purchase of your new home or land 4. $25,000 Builders Scheme Receive $25,000 for building your new home. Sounds good, feels good but don’t forget t&c’s apply and certain criteria is to be met. Want to find out more about Lauren's story and how you too may be able to do the same with only a $25,000 deposit? Reach out to your NRG Finance First Home Buyer Solution Specialist today!!! . . . . #Nrgfeels #solutionspecialist #newhomefeels #newcarfeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #helpingpeople #financeandproperty #accountants #realestate #melbournerealestate #approved #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #tips #melton #truganina #moneytips #mortgagetips #mortgagebrokercarolinesprings #firsthomebuyer

07.01.2022 ‘C’ Just What A Lender is Assessing When You Are Applying For Your Loan! . The 5 C's of credit is a system that many lenders and other funding providers use to determine how creditworthy a borrower is. Understanding this process can assist you with preparing for your new loan application. . .... What are the 5 Cs of credit? The 5 Cs of credit analysis are: Character Capacity Capital Collateral Conditions . . Want to find out more and what this means to you? Reach out to you NRG Finance Solution Specialist today and see if you have the right steps in place to get you there. . . #Nrgfeels #solutionspecialist #newhomefeels #newcarfeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #helpingpeople #financeandproperty #accountants #realestate #melbournerealestate #approved #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #tips #melton #truganina #moneytips #mortgagetips #mortgagebrokercarolinesprings See more

07.01.2022 1. CHARACTER . . The borrower’s reputation, integrity and willingness to repay. .... FACTORS LENDER CONSIDER: -Loan repayment history -General Savings History -Stability (e.g. years in employment and residence) -Credit bureau history e.g. Dunn & Bradstreet and Equifax . . LENDERS WANT TO KNOW: -Have you paid your debts on time? -Are you able to or have you been able to save? -Do you have stable income/employment/cash-flow in order to service the loan? -Do you have a history of defaults, judgement or bankruptcy? . . INFORMATION USED TO ANSWER THESE QUESTIONS: -Copies of Bank Statements demonstrating savings patterns and history -Credit Bureau report which gives an overall credit score and more -Historical financial information If you or someone you know is considering buying and needs help with navigating the new ‘COVID NORM’ lending environment than please reach out to your NRG Finance Solution Specialist today. . . DID YOU KNOW: Did you know your NRG Finance Solution Specialist is more than a finance broker. We are a holistic Solutions Specialist. We can help put the right steps in place to get you there. Reach out today. . . Do you know some one you could benefit from a conversation? Refer them to us for your chance to receive $500. . . . . #Nrgfeels #solutionspecialist #newhomefeels #newcarfeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #helpingpeople #financeandproperty #accountants #realestate #melbournerealestate #approved #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #tips #melton #truganina #moneytips #mortgagetips #mortgagebrokercarolinesprings

07.01.2022 4. CAPITAL . . The borrower’s financial position. .... FACTORS LENDER CONSIDER: -Amount of Assets and liabilities -Type/Liquidity of assets -Type/Nature of liabilities -Deposit or customer contribution . . LENDERS WANT TO KNOW: -How much deposit will you be putting in towards to purchase? -Are you in a strong enough financial position? -Could you sell (liquidate) your assets if you needed to reduce debts and how long would it take? . . INFORMATION USED TO ANSWER THESE QUESTIONS: -Savings account statements/balances -Historical balance sheets -Budgeted balance sheets -Existing Equity . . . If you or someone you know is considering buying and needs help with navigating the new ‘COVID NORM’ lending environment than please reach out to your NRG Finance Solution Specialist today for your chance to receive $500. . . DID YOU KNOW: Did you know your NRG Finance Solution Specialist is more than a finance broker. We are a holistic Solutions Specialist. We can help put the right steps in place to get you there. Reach out today. . . . . . . #Nrgfeels #solutionspecialist #newhomefeels #newcarfeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #helpingpeople #financeandproperty #accountants #realestate #melbournerealestate #approved #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #tips #melton #truganina #moneytips #mortgagetips #mortgagebrokercarolinesprings See more

03.01.2022 5. CONDITIONS . . The conditions that exist at the time of your application. .... FACTORS LENDER CONSIDER: -Pricing (interest rates & fees) -Repayment schedule -Local and overseas influences (economic conditions) . . LENDERS WANT TO KNOW: -Do you understand what you may need to provide your financier? -Will you be able to meet all of the conditions of the loan? -Do you understand what may happen if you breach a term of the loan -Are there any significant ‘conditions’ that may impact your ability to meet your repayments i.e. COVID-19 . . INFORMATION USED TO ANSWER THESE QUESTIONS: -Summary of loan terms and conditions in loan application -Budgeted balance sheets and projected financials . . . If you or someone you know is considering buying and needs help with navigating the new ‘COVID NORM’ lending environment than please reach out to your NRG Finance Solution Specialist today for your chance to receive $500. . . DID YOU KNOW: Did you know your NRG Finance Solution Specialist is more than a finance broker. We are a holistic Solutions Specialist. From assisting with the selling and buying of property to introducing you to a select panel of industry related professions. We can help put the right steps in place to get you there. Reach out today. . . . . . . #Nrgfeels #solutionspecialist #newhomefeels #newcarfeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #helpingpeople #financeandproperty #accountants #realestate #melbournerealestate #approved #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #tips #melton #truganina #moneytips #mortgagetips #mortgagebrokercarolinesprings See more

01.01.2022 2. CAPACITY . . The borrower’s ability to repay. .... FACTORS LENDER CONSIDER: -Income -Debt obligations -Living Expenses -Dependents . . LENDERS WANT TO KNOW: -How much do you earn and is this sufficient to meet your repayments? -How stable are your earnings Will you continue to be able to service your debts? -What are your plans should things change? -What sources of income are you receiving? . . INFORMATION USED TO ANSWER THESE QUESTIONS: -Copies of Bank Statements demonstrating living expenses -Income documents such as payslips, tax returns, rental statements and so on -Cash flow forecasts . . . If you or someone you know is considering buying and needs help with navigating the new ‘COVID NORM’ lending environment than please reach out to your NRG Finance Solution Specialist today for your chance to receive $500. . . DID YOU KNOW: Did you know your NRG Finance Solution Specialist is more than a finance broker. We are a hholistic Solutions Specialist. We can help put the right steps in place to get you there. Reach out today. . . . . . . #Nrgfeels #solutionspecialist #newhomefeels #newcarfeels #melbournefinance #finance #brokers #tax #accounting #financialplanning #smallbusiness #lovewhatwedo #helpingpeople #financeandproperty #accountants #realestate #melbournerealestate #approved #essendon #carolinesprings #mooneeponds #taylorslakes #homeloan #tips #melton #truganina #moneytips #mortgagetips #mortgagebrokercarolinesprings See more