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Perth Home Buyers Help

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23.01.2022 Looking to buy property below market value? It's is possible with help from these 16 tips! http://emanatefinance.com.au//16-crucial-ways-find-prope/

23.01.2022 5 Steps To Buy Yur First Home! St 1: Pln Th frt big t t set ur gl and ln fr your bg urh. Mk u a budgt and determine hw much u n ffrd to spend h month n ur mrtgg. Thnk but futur xn wll, uh as starting a fml. If bl, v t lt 20% f th hm urh r fr the dt, however there are many options available where you can get in with around 5-10% deposit there is even one lender below this. Th... mr vd to ut towards the deposit, th l youll hv to brrw, the lower any mortgage insurance will be, and the rates will likely be lower. Onl brrw mn tht u n realistically ffrd t pay each mnth fr your mnt. Check out the full article more more tips at : http://emanatefinance.com.au/educa/5-steps-buy-first-home/ #firsthome #newhome #tips See more

23.01.2022 Check out these 5 tips to ensure you’re savings are ‘genuine’ before you apply! http://emanatefinance.com.au/education/savingstips/ #genuinesavigns #homeloan

22.01.2022 A wise fish indeed. Never give up on your dream home and just keep swimming! #firsthome #newhome #finance #homeloans #emanatefinance

22.01.2022 #preapproval #morpheus #whatif

22.01.2022 Tip: A balanced investment portfolio is diverse, don't put all your eggs in one basket, spread your risk #investment

21.01.2022 Do you have adequate loan protection in place? So much emphasis is placed on insuring our cars, property and homes that we rarely consider how wed pay for all these things if we were to lose our health, life and ultimately our ability to earn an income our most important asset! Insurance is often seen in an unfavourable light. We look to de-bunk some common misconceptions. Find out more on the link below today! http://emanatefinance.com.au/loanprotection/ #loanprotection #insurance #homeloan

21.01.2022 With $1,400 and some change you can get return flights to this tropical paradise. With a simple re-financing structure you could be laying on this beach before you know it. Get in touch now by calling us on 0415 297 154 or send us a message and ask how much you'll save by refinancing. #refinancing #financialfreedom #createyourownwealth #wealthcreation #emanatefinance #incomeprotection #vehicleloans

21.01.2022 #Creditcard #walkbeforeyoucredit

20.01.2022 Four wheels transports the body, but two wheels transports the soul. Motorcycle finance from Emanate! Contact us today on 0415 297 154 or send us a message #motorbikes

20.01.2022 Is an interest only home loan really a good idea? http://emanatefinance.com.au/education/interest-only-loans/ #homeloan #interestonly

20.01.2022 Don't make these fatal mistakes with buying your home - check out these 10 must read tips before buying a property in Perth! http://emanatefinance.com.au//15-things-check-buying-hou/ #Perth #newhome #fatalmistakes #forsale

20.01.2022 A wise fish indeed. Never give up on your dream home and ' just keep swimming!' #firsthome #newhome #finance #homeloans #emanatefinance

20.01.2022 5 Tips to Pay Off your Mortgage Faster 2. Fortnightly Instead of Monthly Payment It makes financial sense if you make more frequent payments in order to quickly pay off your property mortgage. Paying fortnightly instead of monthly reduces the cost and term of your home loan. You also avoid the burden of paying off the interest. Fortnightly payment is a sound financial strategy. If you have the money to pay as frequent as possible, then do it. You can split your payments into two per month. Thus, if there are only 12 months but 26 fortnights in a year, your fortnightly payments would mean making 13 monthly payments in a year. It makes a world of difference over the term of your mortgage loan. Read the full article by visiting http://emanatefinance.com.au/education/paymortgage/ #debtfree #homeloan #savemoney

19.01.2022 We understand that some things are out of your control, but that doesnt mean you cant own your own car. Contact us today to see how much you qualify for.

16.01.2022 Depreciation: What is a depreciation schedule? A depreciation scheduled is a document that sets out the value of your property and the fixtures and fittings within the property. A depreciation schedule essentially identifies all the things that may be claimed against your tax. As a building on has a set depreciable lifespan, its common for new properties to have more depreciable value, as older buildings have likely already used much of its allocated depreciation. Smart property investors will often seek out properties with a high level of depreciation benefits to minimize their tax. For more info in depreciation, what it is and why you should consider it, click on this link: http://emanatefinance.com.au/educati/what-is-depreciation/ #depreciation #investment #homeloan

16.01.2022 Here's out top 5 tips - http://emanatefinance.com.au/education/paymortgage/ #finance #homeloan

16.01.2022 Unsure how much you can really borrow? Here's some tips! http://emanatefinance.com.au/educati/serviceability-guide/ #finance #homeloan

16.01.2022 5 tips to ensure youre savings are genuine before you apply! 3. If you are receiving a gift, make sure you can hold this for three months prior to your finance application For more tips on genuine savings read our report http://emanatefinance.com.au/education/savingstips/ #savings #homeloan #genuinesavings

15.01.2022 How great leaders inspire - start with why you do what you do, not what you do. https://www.ted.com//simon_sinek_how_great_leaders_inspire #tedtalk #startwithwhy #simonsinek

15.01.2022 How to overcome credit score 4. Picking the right lender from the word go can dramatically impact on your application. If you are worried about your credit score, there are lenders out there with less severe scoring systems and even lenders that do not credit score at all. If youve already failed credit score elsewhere, then considering one of these no credit score lenders may be the way to go as they simply take a common sense approach to lending. Continuing to make additional applications with other lenders at this point may only make things worse. Find out how to overcome credit score in our blog: http://emanatefinance.com.au/educat/overcome-credit-score/ #creditscore #creditfile #veda #getapproved

14.01.2022 We understand that some things are out of your control, but that doesn't mean you can't own your own car. Contact us today to see how much you qualify for.

14.01.2022 5 Tips to Pay Off your Mortgage Faster 5. Review your mortgage regularly What was perfect for you a couple of years ago might not be the best for you a year or two from now? Your circumstances may have changed, Interest rates may drastically change or you may want to reconsider variable or fixed rates. Important factors in your mortgage need evaluating every now and then, so its worth 15 minutes a year to review your mortgage. Read the full article by visiting http://emanatefinance.com.au/education/paymortgage/ #debtfree #homeloan #savemoney

13.01.2022 Should you buy your first home or an investment instead? http://emanatefinance.com.au/ #finance #homeloan

13.01.2022 We take an educational approach to your financial situation. We truly believe if we can educate you along the way, we can empower you to understand your own finance and take control of your financial future. http://emanatefinance.com.au/blog/ #blog #education #homeloan

13.01.2022 How to overcome credit score 2. The more quality and accurate information you provide in your home loan application, the better youre going to score. It may seem simple, but ensure you list ALL your assets. This includes things you may not think matter - cars, jet skis, caravans, boats, motorcyles, art collections, home contents, superannuation, and most importantly all transactional and savings accounts. Find out how to overcome credit score in our blog: http://emanatefinance.com.au/educat/overcome-credit-score/ #creditscore #creditfile #veda #getapproved

13.01.2022 Doom and gloom to some, opportunity to others - Is now the best time to find bargains? #bargain #property http://emanatefinance.com.au/education/bargains/

12.01.2022 Looking to buy property below market value? Its is possible with help from these 16 tips! http://emanatefinance.com.au//16-crucial-ways-find-prope/

12.01.2022 5 Tips to Pay Off your Mortgage Faster 3. Use an Offset Account An offset account is a transaction account that is linked to your loan account. The amount in your offset account is subtracted from the payable or principal on your home loan. For instance, if your loan principal is $100,000 and your offset account contains $20,000, you basically pay interest rate based on $80,000. It significantly reduces the amount of your interest, saving years on the loan term. Read the full article by visiting http://emanatefinance.com.au/education/paymortgage/ #debtfree #homeloan #savemoney

11.01.2022 Depreciation: How do I create a depreciation schedule? In most cases, you will simply engage a depreciation specialist to create a depreciation report, although in some cases they may be provided by the builder or developer as a bonus incentive. Always ask the developer if they can include a free depreciation schedule worst case scenario they say no, best case you save yourself the cost of obtaining one. If you own a new property, preparing a depreciation schedule is much e...asier as the value of the items can be easily calculated. If you have an older property though, things can become more complicated and that’s why you will require professional help. A depreciation expert will prepare your depreciation report with respect to maximizing your financial gain in relation to your property assets. And their fees are generally tax deductible. For more info in depreciation, what it is and why you should consider it, click on this link: http://emanatefinance.com.au/educati/what-is-depreciation/ #depreciation #investment #homeloan See more

11.01.2022 How to overcome credit score 1. A failed credit score isnt always the end of the road. There are several ways to get around a credit score issue but for this youre really going to need a good understanding of which lenders credit score, how strict their credit score is, and how each of them work but prior to all of this, if you can provide the right information upfront you will massively reduce the risk of a credit score issue to begin with. Find out how to overcome credit score in our blog: http://emanatefinance.com.au/educat/overcome-credit-score/ #creditscore #creditfile #veda #getapproved

10.01.2022 5 tips to ensure youre savings are genuine before you apply! 2. Dont deposit cash funds at your local branch in to your savings account For more tips on genuine savings read our report http://emanatefinance.com.au/education/savingstips/ #savings #homeloan #genuinesavings

09.01.2022 How to overcome credit score 3. Some lenders and credit score systems may automatically decline your application simply because you have not listed a savings account with a valid BSB and account number. In fact, adding this to a declined application can often turn the decline back around into an approval. Find out how to overcome credit score in our blog: http://emanatefinance.com.au/educat/overcome-credit-score/ #creditscore #creditfile #veda #getapproved

08.01.2022 Spend more time doing what you love by cutting years OFF your mortgage with some smart restructuring. Send us a message today to see what we can do. #refinance #savemoney

08.01.2022 5 tips to ensure youre savings are genuine before you apply! 5. Keep transfers to your savings account consistent, and try to keep them under $1,000 per transfer if possible For more tips on genuine savings read our report http://emanatefinance.com.au/education/savingstips/ #savings #homeloan #genuinesavings

07.01.2022 5 Tips to Pay Off your Mortgage Faster 4. Rent Out a Spare Room Boost your income through renting out a spare room in your house. The rent money would definitely come in handy especially in making extra repayment for your mortgage. Use your extra cash mainly to pay off a little extra on your home loan. The extra payment could cut years in your mortgage term. Read the full article by visiting http://emanatefinance.com.au/education/paymortgage/ #debtfree #homeloan #savemoney

07.01.2022 Do you want to sail away in style and drop anchor at your favourite coastal destination? We can help make your dream of sailing the open oceans a reality. Give us a call to arrange your next boat loan on 0415 297 154 or send us a message #boat #finance

07.01.2022 Unsure how much you can really borrow? Heres some tips! http://emanatefinance.com.au/educati/serviceability-guide/ #finance #homeloan

07.01.2022 Havent got your latest business financials? Many of our lenders do not require proof of income if you are buying a vehicle for business use weather you just have a complicated tax structure, a really creative accountant, or Simply havent lodged your returns yet, we have a range self-employed finance solutions to get your next work vehicle on the road. Send us a message if you'd like some assistance. #lowdoc #selfemployed #carfinance

06.01.2022 How to overcome credit score 5. Credit score isnt something to be feared, most applications pass and it never comes up, so youre none the wiser but it pays to be aware of what its all about and how you can pre-empt a positive outcome take a common sense approach to your financial position and listen to the advice of your mortgage broker. Find out how to overcome credit score in our blog: http://emanatefinance.com.au/educat/overcome-credit-score/ #creditscore #creditfile #veda #getapproved

06.01.2022 #cookie #eatit #cathumour

05.01.2022 Tip: A balanced investment portfolio is diverse, dont put all your eggs in one basket, spread your risk #investment

05.01.2022 Dont make these fatal mistakes with buying your home - check out these 10 must read tips before buying a property in Perth! http://emanatefinance.com.au//15-things-check-buying-hou/ #Perth #newhome #fatalmistakes #forsale

04.01.2022 How great leaders inspire - start with why you do what you do, not what you do. We believe in finding a better way and that loyalty should mean something! https://www.ted.com//simon_sinek_how_great_leaders_inspire #tedtalk #startwithwhy #simonsinek

04.01.2022 #strong #flipahouse #humour

04.01.2022 5 Steps To Buy Yur First Home! Step 2: Speak with a mortgage broker (or your bank if you prefer) This step is crutial as it can be the difference between success and disappointment when you find your property. What you can afford and what the bank is willing to lend you doesnt always line up, so its a great idea to speak to a professional to understand your borrowing capacity and confirm which lenders you may qualify for. This is a great time to ask about a pre-approval to... give you confidence and peace of mind, and help strengthen your offer when you find a home. Unsure how much you can borrow? Check out our true borrowing power calculator here To apply for a pre-approval youll need t provide ur income, thr monthly xn, nd ur t (such as thr rrt, vhl, investments, and even bnk unt). Check out the full article more more tips at : http://emanatefinance.com.au/educa/5-steps-buy-first-home/ #firsthome #newhome #tips See more

03.01.2022 5 Tips to Pay Off your Mortgage Faster 1. Make Extra Repayments Paying extra helps you chip away at your current loan balance. This also helps you shorten your years of paying off your mortgage. Take note that paying just the minimum in the first years usually repays mostly interest. It would therefore take years before you can seriously take off on the loan balance. However, small extra repayments go straight to significantly reducing the balance and cutting your interest cost for the coming years. Increase your repayment and you will save time and money on your mortgage. Read the full article by visiting http://emanatefinance.com.au/education/paymortgage/ #debtfree #homeloan #savemoney

03.01.2022 5 tips to ensure youre savings are genuine before you apply! 4. Make sure the savings account is only in the applicants names and no other names attached to the account For more tips on genuine savings read our report http://emanatefinance.com.au/education/savingstips/ #savings #homeloan #genuinesavings

03.01.2022 What will the next rate movement be? http://emanatefinance.com.au/education/rate-cycle/ #homeloan #interstrates

03.01.2022 Life can often throw us curve balls that we weren't expecting. If something was to happen to you or a loved one do you have an appropriate level of loan protection in place? We have a range of insurance solutions for you to meet your needs both now and for your future. We are here to help you sleep well at night, knowing your bases are covered. Contact us on 0415 297 154 or through our website at http://emanatefinance.com.au/loanprotection/ for more information. #incomeprotection #insuranceperth #emanatefinance

02.01.2022 Life can often throw us curve balls that we werent expecting. If something was to happen to you or a loved one do you have an appropriate level of loan protection in place? We have a range of insurance solutions for you to meet your needs both now and for your future. We are here to help you sleep well at night, knowing your bases are covered. Contact us on 0415 297 154 or through our website at http://emanatefinance.com.au/loanprotection/ for more information. #incomeprotection #insuranceperth #emanatefinance

02.01.2022 Heres out top 5 tips - http://emanatefinance.com.au/education/paymortgage/ #finance #homeloan

01.01.2022 #kidsaregreat #lovemydaughter #parenting