Prospect Home Loans in Dandenong, Victoria | Mortgage brokers

Prospect Home Loans

Locality: Dandenong, Victoria

Phone: +61 447 481 846

Address: 2/311-319 Lonsdale Street 3175 Dandenong, VIC, Australia

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25.01.2022 With thousands of dollars in cash-back offer, reward points, waived fees and discounted interest rates, there has never been a better time to refinance your mortgage to a better deal with special features. #prospecthomeloans #makingyouraustraliandreamcometrue

25.01.2022 RBA did it again!

25.01.2022 The green loan is an unsecured personal loan that can be used to finance the purchase of approved environmentally friendly products such as Solar Penals, Hot Water system, Battery Storage, Insulation, Energy Efficient Cooling/Heating, Water Capture & Recycling, 5-star rated or higher household appliances etc. Min $2,000 - Max $40,000 * Interest rate: 4.70% p.a. * Comparison rate*: 5.63% p.a. #prospecthomeloans #greenloan #enviromentallyfriendly #5starrating #victoria #southaustralia #newsouthwales #queensland #westernaustralia

25.01.2022 Home loan shopping can be hard and confusing when there are many different lenders offering so many different loan products. But to get the right loan that meets your needs and objectives is whats really important. When a client approaches us for a home loan, as a credit advisor, we will make sure they get the right home loan. We present the best application to the bank, so they find it difficult to say NO. #prospect #prospecthomeloans #makingyouraustraliandreamcometrue #homeloan #mortgage #australia

24.01.2022 First Home Loan Deposit Scheme Extended and Expanded. October 3, the new phase of FHLDS. Read more....

24.01.2022 Government sets price caps for First Home Buyers scheme. During the 2019 Federal Election campaign, Prime Minister Scott Morrison announced the Coalitions First Home Loan Deposit Scheme (FHLDS). The $500-million scheme is designed to provide first home buyers (FHBs) earning up to $125,000 ($200,000 for couples) with a significant leg up by making available to them 95% LVR mortgages should they have a deposit of at least 5%. ... Read more... See more

24.01.2022 Get in touch for a free report of your property. #YourHouseValue #Valuation #propertyreport #propertyprofilereport #prospecthomeloans #makingyouraustraliandreamcometrue #homeloans #mortgagespecialist #mortgage #finance

24.01.2022 Australias major banks will automatically move mortgage customers to minimum P&I repayments as of next week to provide financial assistance amid the coronavirus pandemic. The Commonwealth Bank of Australia (CBA) has notified their customers of the change and Westpac will be doing the same in the next few days. Other banks are yet to make their announcement.

23.01.2022 Get a suitable loan you need to buy any type of residential or commercial property in Australia with the help from a qualified and experienced mortgage adviser from Prospect Home Loans. #prospecthomeloans #makingyouraustraliandreamcometrue #mortgagespecialist #homeloanspecialist

22.01.2022 As a business owner, you have many challenges to grow your business, from start-up costs to extra capital equipment that will help expand your operations. Fortunately, these can all be supported by Business Loans available through Banks and non Bank Lenders. To find out whether you qualify, simply give us a call. #prospecthomeloans #makingyouraustraliandreamcometrue #prospectfinance

21.01.2022 Eligible businesses can immediately write off the cost of each asset. Passenger vehicles up to the depreciation limit of $57,581 and Commercial vehicles up to $150,000. For all eligibility, threshold criteria and the full ATO article click the learn more button below. Get in touch to discuss your car loan. #prospecthomeloans

20.01.2022 We love to see peoples dream of owning their home come true. To find out about the Governments stamp duty, First home owners grant and different types of loan products and Lenders, simply book for a free mortgage consultation and get started. #prospecthomeloans #makingyouraustraliandreamcometrue

20.01.2022 They shall grow not old, as we that are left grow old: Age shall not weary them, nor the years condemn. At the going down of the sun and in the morning We will remember them.... #respect #tribute

19.01.2022 We are now doing Commercial Loans secured by a commercial property such as an office building, shopping center, industrial warehouse, retail store or purchase of building in use to run any sort of business. Commercial/ Business Loans Development Funding Construction Funding... Residential Property Finance Personal/Car Loans Unparalleled Service & Rapid Response Times. Loans Tailored to Your Needs. Call 0447 481 846

19.01.2022 WE NOW DO CAR LOANS TOO We can organise approvals and pre-approvals on your chosen vehicle whether it be a Private Sale or through a Dealership. We can also arrange Personal Loans.... Quick and Easy! Simply get in-touch to get started #prospecthomeloans #prospectfinance See more

19.01.2022 Australian Property Market update August 2019

19.01.2022 Financial Literacy Financial Literacy is not something they teach you at school. You have to learn it on your own. You can make an empire through hard work or whatever means but if you fail to financially educate yourself, you will end up losing it all and go broke and bankrupt just like Mike Tyson, 50Cent, Michael Jackson etc unless youre Donald Trump!!! I have made list of 3 books with tips for self improvement and for life in general....Continue reading

19.01.2022 As we move towards a cashless society, and shift towards online and digital banking system, the need for physical high street banks may diminish soon, and therefore despite its advantages, logically there will be many challenges for the banks to be prepared for. I feel that the threat of fraud and hacking will be one of the many challenges which will continue to increase, and this means banks have to stay one step ahead of the game to protect their customers investment and t...o also safeguard their accounts. With recent cyber attacks on our institutions and government departments in mind, I dont know how effective our cyber security will be since there are regulated and private technology hubs on the rise in South East Asia which could cause disruption in the banking and financial system. #Finance #Mortgage #Australianfinancialreview #APRA #Prospecthomeloans

18.01.2022 Reserve Bank of Australia has slashed interest rates to 0.25pc in emergency cut amid coronavirus pandemic.

16.01.2022 Good news for NSW first home buyers who are trying to get into the property market for the first time. NSW premier has announced that the state government will temporarily abolish stamp duty for first home buyers purchasing newly built homes (valued at under $800,000) from 1 August. #prospecthomeloans

15.01.2022 With recent interest rate cut by Reserve Bank, Australias Bank lenders and non Bank lenders reduced their interest rates too. If your home loan repayments hasnt decreased, give us a call. We might be able to get you discount on your home loan interest rate. #prospect #prospecthomeloans #makingyouraustraliandreamcometrue #mortgage #interestrates #homeloan

13.01.2022 Having an Offset Account is a good way to reduce the interest you pay on your mortgage but not all home loans have this feature. Please discuss about the features of your home loan with your mortgage professional while making an application. #prospecthomeloans #prospectfinancegroup #pfg

12.01.2022 Interest rate cut by Reserve Bank to historic low of 0.10.%.

11.01.2022 Getting the right Home Loan could save you thousands over the period of your loan term. Taking out a mortgage is probably the biggest financial commitment youll ever make, and getting the right mortgage could save you thousands of dollars in the long run. But with hundreds of options available from so many different lenders, how can you ever know if youve found the best mortgage to suit your needs? Using a highly experienced mortgage broker like Prospect Home Loans is the b...est way to ensure you get the right home loan. By working with you and listening to your needs, well tailor your home loan to you personally, so you can be sure youre getting the best mortgage for your circumstances. Call now to get started. See more

11.01.2022 The Prospect of living the Australian Dream is very appealing! #prospecthomeloans #makingyouraustraliandreamcometrue #australiandream

10.01.2022 Theres a 50% chance that, among married couples, at least one spouse will live to the age of 92 and a 25% chance that one will live to 97. We are closing in on a life expectancy of age 100 pretty damn quick. And with longer lives, we expect longer years for our retirement. Fifty years ago, the average retirement was 12 years. Someone retiring today at age 65 is expected to live to 85 or longer. Thats 20-plus years of retirement. And thats the average. Many will live longer... and have 30 years of retirement! It is not realistic to finance a 30-year retirement with 30 years of work. You cant expect to put 10% of your income aside and then finance a retirement thats just as long. How long do you expect to live? All the breakthroughs were seeing in the medical technology might add years to your life- decades, even. From stems cell technology, to 3d printing of organs, to cellular regeneration, technologies are exploding onto the scene. Its a blessing to live a long life but it aint a blessing if you go broke few years into your retirement. Are you ready? Many of us are not. A recent study conducted by Mass Mutual asked baby boomers to name their number one fear. What do you think it was? Death? Terrorism? Some kind of disease? No, the number one fear of baby boomers was outliving their savings. (Death, by the way, checked in a distant second.) #sharetrading #stockmarket #investment #prospects #prospecthomeloans #determination #onlinebusiness

10.01.2022 Personal Loan - Secured/Unsecured If youre looking for a great value personal loan to buy something you need, we can help you get a variable rate personal loan from Australias 5 star rating lenders. * Tailored interest rates based on your personal credit history... * Minimum loan size $1,000, maximum $80,000 * Loan terms from 1-7 years * Secured and Unsecured * The ability to make extra repayments or pay off your loan early without penalty * Flexible repayment frequency - pay weekly, fortnightly or monthly * Optional redraw facility redraw fees may apply. To apply simple get in-touch to get started #prospecthomeloans See more

10.01.2022 In light of the recent health concerns, we at Prospect Home Loans want to reassure our clients that we expect no significant disruptions to the services we provide. We are closely monitoring the ongoing health advice provided by our Government and the health and safety of our staff, their families and our network of clients will continue to remain our highest priority. With this in mind, Prospect Home Loans have decided to limit face to face meetings for initial consultations and encourage phone and online technology to be used as an alternative. We thank you for your understanding and continued support. Together, we can do this! Lets #flattenthecurve #stayhome #staysafe #prospecthomeloans #makingyouraustraliandreamcometrue #mortgage #homeloans #mortgagespecialist

10.01.2022 When you apply for a loan, you can choose how you want to repay it. Principal & Interest or Interest Only. Please seek professional credit advice while choosing either of those repayment types. Note: Information provided is general. #prospecthomeloans #prospectfinancegroup #pfg

10.01.2022 First-home buyers get budget help to enter skyrocketing market in the 2021 federal budget. 10,000 additional FHLDS spots and access to super.

09.01.2022 Different banks/lenders have different redraw policies. Some reduce the loan term when you make extra repayments and some reduce the repayment amount while keeping the same loan term. For more information, get in touch with your mortgage professional. #prospecthomeloans #prospectfinancegroup #pfg

09.01.2022 In finance industry, there are many acronyms that people use which can be confusing for some people and here are a couple that you might come across when applying for a home loan. FHOG: Refers to the First Home Owner Grant. LVR: Loan to Value Ratio indicates the percentage of the property price you want to borrow. LMI: Lenders Mortgage Insurance is a fee payable for insuring the lender on the money you borrow in case you default on your mortgage repayments. ITR: Refers to In...dividual Tax Return. NOA: Notice of Assessment. COS: Contract of Sale. See more

09.01.2022 Saving your Home Loan Deposit! Property ownership is a goal for many Australians, yet saving for a deposit is becoming an even greater challenge as potential buyers juggle higher living costs with smaller disposable household incomes. Although ScoMo governments new policy that enables people to buy their first home with only 5% deposit without the need to pay for LMI is a good news but- Hundreds of thousands of Australians still manage to achieve the dream each year by using... traditional budgeting and saving techniques, such as setting a target, formulating a plan and carefully managing their cashflow. Some of the strategies that might help you save for a home loan deposit sooner are: Boost your efforts via a high interest savings account. Set up an auto-transfer from your salary account for costs including regular savings for your home deposit. If selling an asset to build your deposit, plan ahead. Most lenders require you to have a genuine savings deposit. Typically, this is money saved and held over at least three recent successive months and excludes lump sum deposits from the sale of personal assets. However, some lenders will take such funds into consideration on a case by case basis, if after selling the asset you can show a history of maintaining or increasing the savings over at least three months. Research what you need. Some lenders accept rental payments as evidence of genuine savings on the basis you have at least a 5% deposit plus there is evidence of six to 12 months worth of continuous rental history and the property is leased through a licensed property manager. Lenders will assess your eligibility for a home loan approval by comparing your current rental payments and any regular savings with the cost of the home loan repayment. If you fit the criteria, ask your mortgage broker for more information. You can ask a family member to guarantee your loan by using their own property as security. The guarantee can be removed in future once enough equity is built up. Seek legal and financial advice to ensure both parties are fully aware of their rights and responsibilities and to future proof your mortgage & property. #Prospecthomeloans #Makingyouraustraliandreamcometrue #Mortgage #Finance #Australia

08.01.2022 Refinance your home loan to get a lower and competitive interest rate plus up to $4,000 in cash back. Inquire now to find out if you qualify. Terms and Conditions apply: Cash back offer and interest rates are subject to change and all refinances are to meet lenders credit policy. #prospecthomeloans #makingyouraustraliandreamcometrue #mortgagespecialist #homeloans

08.01.2022 Australias big four banks offering mortgage repayments and small business loan relief for up to 6 months. People who have lost their jobs and are in financial stress due to COVID 19 could get in-touch with their bank to discuss mortgage repayment relief.

08.01.2022 We can do it all online. We at Prospect Home Loans want to reassure our clients that our service remains undisrupted and we will continue to process applications and accept mortgage consultations. Together, we can do this! Lets #flattenthecurve

07.01.2022 If you are a First Home Buyer, find out how you can get Stamp Duty Exemption, Concession or Reduction. Read more on Victorian State Revenue Office Website. #prospecthomeloans #makingyouraustraliandreamcometrue

06.01.2022 Over 60% of consumers choose to get their home loan through mortgage and finance brokers and it is predicted that it will increase to 75% in the next 4 years. 93.6% of consumers found their broker understanding their needs, objectives and financial situation. 92.1% of consumers were satisfied with the strength of the broker-client relations. IF YOURE READY to purchase your first home, your dream home or an investment property, get in-touch for a free mortgage consultation. #prospecthomeloans #prospect #homeloans #homeloanspecialist #mortgagespecialist #makingyouraustraliandreamcometrue #melbourne #brisbane #adelaide #sydney #perth

03.01.2022 Our national dwelling value stabilised in July. It looks like Melbourne property market is set for a subtle rise in the value in the next few months. #prospecthomeloans #makingyouraustraliandreamcometrue #corelogic

03.01.2022 All mortgage advisors in Australia are bound by Privacy Act 1988 which means we have a statutory obligation to keep any personal information you provides us with, confidential and secure. If you require further information about your privacy, you can visit the Federal Privacy Commissioner’s website at www.privacy.gov.au .

03.01.2022 The importance of speaking with a mortgage professional is often underestimated. Which loan product you choose, can make a big difference over 25 or 30 years loan term. #prospecthomeloans #prospectfinancegroup #pfg

02.01.2022 CBA Joins NAB in FHB scheme lender panel as two of the major lenders together with 25 non-major lenders. The scheme which was introduced by the liberal government, kicks in, on January 1st 2020.

01.01.2022 The Reserve Bank of Australia indicating to cut the interest rate to 0.25% by mid 2020.

01.01.2022 Having a good credit score is important if you want to get any sort of loan to purchase a property, a vehicle or asset finance. A good credit score allows you to make use of a range of financial options such as taking out a mortgage or loan, and owning your own credit card. Conversely, a poor credit rating can limit your options. Defaults will remain on your credit record for five years, while missed payments will remain for two years. You may also be affected overseas if you... have a bad credit rating in Australia. Fortunately, youre not stuck with a bad credit rating and there are a number of practical steps you can take in order to improve it. Rather than simply ignoring your debts, the key is to re-establish a good credit history. The first step is to request a copy of your credit report from equifax. There is no quick fix to improve your credit score, but there are several ways you can improve it over time. Here are a few: 1. Pay your bills on time Sounds simple enough, but if you have trouble remembering this task, consider setting up email or text payment reminders with your creditors, or automatic bill payment. 2. Pay at least the minimum on your credit card bill Pay more if you can. 3. Keep your existing credit card accounts with a zero balance open Dont close these accounts. Having available credit lessens your credit risk, and closing the accounts could decrease your score. 4. Correct errors on your credit report Look for things like incorrectly listed late payments. Contact the three credit rating agencies if you see discrepancies. 5. Reduce your debt Create a plan to pay off your highest interest rate debts first while maintaining minimum payments on your other accounts. You may want to get help from a credit counseling service. You can find additional information about how to improve your credit and maintain good credit on sites like moneysmart.gov.au & getcreditscore.com.au #prospecthomeloans #makingyouraustraliandreamcometrue #homeloan #mortgage #Australia #melbourne