Piening Financial Solutions in Docklands, Victoria | Loan service

Piening Financial Solutions

Locality: Docklands, Victoria

Phone: +61 408 671 524

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• Local service
• Loan service
• Mortgage brokers

25.01.2022 Switzer an impartial voice of reason in this. Kenneth Hayne has absolutely no idea what he is doing. Or maybe he does which is worse...

24.01.2022 Sign up to our Newsletter for monthly lender news, money saving tips and financial updates here: http://eepurl.com/drrr8v

23.01.2022 Piening Financial Solutions November Newsletter - https://mailchi.mp//introducing-piening-financial-solution

23.01.2022 If youre lucky enough to have this problem then beware the Tax man is coming!

22.01.2022 Piening Financial Solutions August Newsletter - https://mailchi.mp//introducing-piening-financial-solution

21.01.2022 Piening Financial Solutions December Newsletter - https://mailchi.mp//introducing-piening-financial-solution

21.01.2022 Amid talk of a Credit Squeeze and predictions that house prices will fall, especially in the major cities of Melbourne and Sydney you could be mistaken for thinking it was all doom and gloom. I would prefer to focus on a few of the positives in the current environment!

20.01.2022 It’s been a very hectic few months and the client gifts are piling up. Was going to do some drop offs today but Melbourne weather has other ideas!

19.01.2022 Interest Only scrutiny is here to stay. Plan ahead to avoid issues.

19.01.2022 SMSF are increasingly being used to buy property and theres good reasons why.

18.01.2022 This Fridays batch of client gifts. Celebrating settlement is definitely the fun part! #mortgages #propertyfinance #settlement

17.01.2022 Piening Financial Solutions June Newsletter is here- https://mailchi.mp//introducing-piening-financial-solution

17.01.2022 And we thought Melbourne was getting expensive!!

17.01.2022 This is insane - expats getting taxed even if theyve lived in their principal place of residence for years prior. https://buff.ly/2HDp4I5

17.01.2022 Here are some smart tips for paying off your home loan sooner! Dont forget we are passionate about providing advice you can trust. Whether its buying a home, refinancing a loan, investing, building or renovating.

16.01.2022 SNEAK PEEK. Been working on this for awhile and super excited to share with everyone soon! #mortgage #financialservices #comingsoon

15.01.2022 Piening Financial Solutions September Newsletter - https://mailchi.mp//introducing-piening-financial-solution

15.01.2022 In this current climate, a pre approval is a wise idea.

15.01.2022 Its been a very hectic few months and the client gifts are piling up. Was going to do some drop offs today but Melbourne weather has other ideas!

14.01.2022 Probably realistic assessment from some well informed analysts. Growth cant happen forever and a credit squeeze is on.

13.01.2022 Happy Fathers Day to all the Dads out there! Getting spoilt by my little ones. Then off to lunch with my Dad and all the Pienings.

13.01.2022 AND WE ARE LIVE! So excited to officially launch Piening Financial Solutions. After three years as Choice Home Loans, it was time to change to reflect the personalised and comprehensive services we provide. So if you or someone you know is buying a house, looking for a better rate on their existing loan, or looking to invest, please get in touch! Find us at www.pieningfs.com.au or get in touch at [email protected]. #homeloan #investment #refinance #property #lending

13.01.2022 Trying to stay away from the negative stuff at the moment but some things said yesterday went way too far. *** Yesterday the CBA strongly proposed to the Royal Commission that all home loan borrowers be legally required to pay $2,300 to Mortgage Brokers every time they want a home loan. The bank wont pay the broker as they do now, instead you will. *** Over the past 30 years, whether or not you have personally used a Mortgage Broker, by providing competition and promoting c...heaper lenders, the Mortgage Broking industry has halved the profit margins of the Big 4 Banks, as this graph shows. The outcome of interest rates returning to the pre-broker levels will be about $8,000 per year on an average home loan. So if you have a mortgage your repayments will go up, if you are a tenant your rent will go up. The Big 4 regained some profits during the GFC when they were approved by Labor to buy the smaller lenders such as St George Bank, Aussie, Rams and BankWest but the popularity of brokers again pushed their profit margins (that you pay) back down. Currently around 53% of borrowers use a broker and around 65% of first home buyers do. No one has to use a broker, they choose to because it suits them. Every year more borrowers choose a broker over their bank. Yet the Royal Commission is being told by the CBA and Westpac that brokers are bad for borrowers. No, but we are just bad for bank profits. Why would more and more borrowers freely choose a broker if it wasnt in their best interests? If this happens it will mean borrowers will be forced back to their bank manager and brokers wont be viable anymore. Then the Big 4 will be able to restore their profit margins to what they had before brokers. That means higher interest rates for everyone. The only thing that keeps the banks even slightly honest is fair competition. They are trying to trick the Royal Commission into getting rid of that competition for them. If this happens, the outcome of the Royal Commission will be the complete opposite of what was meant to happen. More power and less competition for the Big 4 Banks and higher profits at all our expense. The banks have already raised interest rates and reduced peoples borrowing capacity, using the Royal Commission as their excuse. It is lower income families and first home buyers who will be most hurt by this. At this stage the Liberals have shown they understand this blatant attempt at profiteering by the banks and to twist the Royal Commission into their favour but Labor does not. See more

12.01.2022 Piening Financial Solutions February Newsletter - https://mailchi.mp//introducing-piening-financial-solution

12.01.2022 Now might be a good time to consider buying an investment property. Prices are down and a likely change in government will see changes to negative gearing and capital gains laws. Here are 10 tips for buying an investment property https://www.pieningfs.com.au/10-tips-for-choosing-an-inves/

10.01.2022 Love Tuesdays hanging with Imogen especially on a nice winter day! Even a busy Broker has to be a Dad sometimes too!

06.01.2022 Racing through my 40s with my little ladies. Early birthday treat - Peninsula Hot Springs and lunch at Merricks General Store.

06.01.2022 Do you know what your current home loan interest is? #homeloan #investment #refinance #property #lending

06.01.2022 Lunch with my co-worker today. When does Kinder start? #workingfromhome #prosandcons

05.01.2022 Go Bentleigh!! Zero behind on their Mortgage. Must be due to all the clean living and maybe the cheap meals at the RSL!!

04.01.2022 Its every mans dream to own a golf course and a pub. Here you can have both... Wow.

04.01.2022 Is this the best-designed suburb in Melbourne? Having an investment property there has definitely proved a great financial move for us.

03.01.2022 Lifes certainties are death, taxes and constant change...

03.01.2022 Thanks everyone for the overwhelming support on the launch of the new brand! #superbusy #keepthemcoming #thankyou #pieningfinancialsolutions

02.01.2022 Piening Financial Solutions October Newsletter - https://mailchi.mp//introducing-piening-financial-solution