Pulp Finance in South Fremantle | Property

Pulp Finance

Locality: South Fremantle

Phone: +61 424 446 443

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25.01.2022 What comes first: the property or the loan? Its easy to get carried away with the fun part of buying a property looking at houses but delaying the less compelling task of arranging finance will weaken your negotiating position on both the property and the loan. To read more head to our blog: https://pulpfinance.com.au/what-comes-first... #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #perthisok #ownyourhome #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage #financejourney #blog

23.01.2022 Thank you Philippa for all your patience in getting the purchase of my apartment finalised. I know it hasnt been easy with me having been overseas last few months. Looking forward to adding to my property portfolio, maybe next year so will keep in touch. Have a chat to Philippa on 0424 446 443 about buying your first investment property and starting your finance journey. https://pulpfinance.com.au/ ... https://www.facebook.com/Pulpfresh/ #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage #financejourney #happycustomer #testimonial Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 512489 is authorised under Australian Credit Licence 389328

22.01.2022 Saving for your First Home? Here are 3 tips to help with your budget planning... Review how much you spend in a month and where your money is going, make a budget and try to stick to it Set challenging but realistic goals, make cut backs on non-essential items for example dining out every week, take-away coffee If you receive any work bonuses or other windfalls, pay them straight into your savings account to boost it!... Let Pulp Finance help you buy your first home. Contact on Philippa on 0424 446 443 or [email protected] https://pulpfinance.com.au/ #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 508672 is authorised under Australian Credit Licence 389328

21.01.2022 Buying a home when you're Self-Employed Most lenders would need to see a stable income track-record in the form of tax returns and a letter from your accountant... before considering lending. It all comes down to the risk of income certainty, and a few bad months may mean you can't make your repayments. Lenders ask for your previous tax returns and try to figure out how much the business may grow and whether your income will be stable for a long period of time. Techniques vary by lender. If you are self-employed and would like to know more about suitable lenders for you, contact Pulp Finance on 1300 506 998 or [email protected] #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 508672 is authorised under Australian Credit Licence 389328

20.01.2022 Even if your repayments are lowered interest rates decrease, it doesnt mean thats all you have to pay and, by keeping your repayments at the same level when interest rates are lower, you will pay down more of the principle with each payment and make speedy progress on your loan. #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #educatingforfinance #dreamhome #smallbusiness #Perth #WA #realestate #perthisok #ownyourhome #mortgagebroker #newhome #firsthomebuyer #p...erthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor#perthhomeloan #perthmortgage #financejourney #financebrokerperth #lifestyle Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 509212 is authorised under Australian Credit Licence 389328

20.01.2022 My client knows me well! A perfect thank you gift from a first home buyer. It was an absolute joy to see someone as excited as she was when her loan was approved. Simply put, I love what my job! #appreciationpost #firsthomebuyerwa #firsthome #happycustomer #pulpfinance #perth #thankyou #ilovemyjob #haveafinancechat #dreamhome #goals

20.01.2022 What is LMI? Lenders mortgage insurance (LMI) is an insurance required by borrowers to take out if they have less than 20% deposit for a home they wish to purchase. This means that achieving the dream of homeownership with a small deposit is possible. LMI is paid by the borrower, so that if you default (miss a payment due date), the insurance covers the lender (not you as the borrower), for any difference if the property is sold for less than the outstanding amount on the lo...an. After the property is sold, youll be required to pay the same amount to the mortgage insurer, despite the fact that the lender has been covered for their loss. Borrowers can pay for Lenders Mortgage Insurance upfront, or it can be capitalised into your home loan. Lenders Mortgage Insurance should not be mistaken for 'Mortgage Protection Insurance', which covers your mortgage repayments in the event of death, illness, unemployment or disability. If you have any questions about obtaining a home loan, contact Pulp Finance on 1300 506 998 or [email protected] pulpfinance.com.au #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

17.01.2022 Hurrah for drive through coffee from @portcityroasters #lovefreo #fremantle #socialdistancing

17.01.2022 Whether you're looking to install a new bathroom, makeover a rental property or add extra value ahead of a property sale, Pulp Finance can help arrange a competitive rate personal loan to make your home renovations a reality. Our partners offer a simple streamlined application process and access to funds typically within 48 hours. Dont delay, get in touch today! https://pulpfinance.com.au/ ... https://www.facebook.com/Pulpfresh/ #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage #financejourney #renovation #personalloan Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 512489 is authorised under Australian Credit Licence 389328

16.01.2022 A mortgage broker can help you find the most suitable loan option for your personal circumstances. They have the expertise and knowledge of a wide range of products from multiple lenders and can recommend the most suitable option for individual needs and objectives. How does a mortgage broker like Pulp Finance help you? - evaluates your needs and assesses your options - calculates your borrowing power... - gives expert advice, at hours to suit you - does all the legwork which is complimentary and obligation free From start to finish, Pulp Finance is here to help with your journey. Contact Pulp Finance on 1300 506 998 or [email protected] https://pulpfinance.com.au/ #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage Your full financial situation would need to be reviewed prior to acceptance of any offer or product

14.01.2022 Who doesnt want to pay off their home loan sooner? Small simple changes can make a big difference to you and your home loan. #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #educatingforfinance #dreamhome #smallbusiness #Perth #WA #realestate #perthisok #ownyourhome #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage #financejourney #financebrokerpert...h #lifestyle Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 512489 is authorised under Australian Credit Licence 389328

14.01.2022 Testimonial Philippa is 100% professional all the way! Shes so easy to work with, nothing is too hard for her and shes anything but pushy which occurs often, I have found, with a lot of brokers! She obtained the best interest rate for both my kids who have recently obtained housing loans. I personally would recommend her for obtaining any type of finance as I know she is very thorough with her comparisons.... It has been an absolute pleasure to help Mandys children both become home owners and finding the right loan for their individual needs. Have a chat to Philippa on 0424 446 443 about buying your first home and starting your finance journey. https://pulpfinance.com.au/ #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage #financejourney Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 508672 is authorised under Australian Credit Licence 389328

13.01.2022 Pulp Finance are here to help you buy your dream home and make it yours. We make sure you understand the mortgage process and take the pain away by researching and providing you with options tailored to you. Speak to Philippa on 0424 446 443 to chat about your finance journey today. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.... Credit Representative 512489 is authorised under Australian Credit Licence 389328 See more

13.01.2022 A quick informal chat with Philippa, could save you and your family thousands of $'s. Give her a call now on 1300 506 998.

13.01.2022 Rentvesting enter the property market without sacrificing your current lifestyle Purchasing in a centrally-located or sought-after area can be out of reach for the average working millennial. Instead, many are opting to rent rather than buy as it means not having to compromise their inner city or beach side lifestyle. But for those who are still eager to enter the market, there is a way to get the best of both worlds. Check out the latest blog, link in Bio to read more: ht...tps://pulpfinance.com.au/rentvesting/ Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 512489 is authorised under Australian Credit Licence 389328

13.01.2022 RBA announces October cash rate. The central bank has announced its cash rate decision for October following its monthly board meeting. Click here for the link: https://bit.ly/2NZj7MA ... #PulpFinance

12.01.2022 All Lenders are releasing COVID-19 support packages to assist and help anyone who may experience financial difficulty during this time and I have access to most of the information. I'm more than happy to help anyone who is unsure of what their options with their loans and pointing them in the right direction. Please give me a call on 0424 446 443 or email [email protected] We all need to support each other where we can and Stay Safe.

12.01.2022 What is LVR? With regards to understanding home loans, the term LVR is often used. LVR stands for 'Loan to Value Ratio' and can be described as the amount of money you borrow for a home loan, compared to the value of the property, which is expressed as a percentage. Lenders work out your LVR to determine risk.... For example, if a property is valued at $500,000, and you pay a deposit of $100,000, youll need to borrow $400,000 for your mortgage, resulting in an LVR of 80%. Generally, the lower the LVR, then the higher the loans security, which means lower risk and the loan is more likely to be approved. If you are finding some financial terms regarding home loans a bit tricky to understand, have a chat to the specialists at Pulp Finance. Contact Pulp Finance on 1300 506 998 or [email protected] pulpfinance.com.au #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 508672 is authorised under Australian Credit Licence 389328

12.01.2022 Considering buying a new car? If you are thinking about buying a new car, the right finance is vital. We can access over 40 lenders to find you a competitive rate with flexible terms that could make your new car more affordable. Call Philippa on 0424 446 443, or email [email protected] today. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.... Credit Representative 512489 is authorised under Australian Credit Licence 389328 #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage #car #carloan #financebroker

11.01.2022 Pulp Finance has been nominated for the Compliance Hero award in the Connective Excellence Awards for 2019! I am delighted to be a finalist and wish all other finalists the best of luck in their categories . #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #educatingforfinance #dreamhome #smallbusiness #Perth #WA #realestate #perthisok #ownyourhome #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips#homeloan #propertyinvestor#perthhomeloan #perthmortgage #financejourney #financebrokerperth #lifestyle #connective #awardfinalist

11.01.2022 #happychristmas from #pulpfinance #familytime #holidays

10.01.2022 Buying a new home? Here are some costs you need to allow for. Buying a home is an exciting time but there are a lot of factors to consider, in particular there are a few 'hidden' costs that buyers should be aware of: -Stamp duty - apart from your deposit, this is your largest cost up front. The more expensive your home, the more stamp duty you'll pay. However, there are some exemptions for first-time buyers.... -Conveyancing and legal fees - these fees are for a licensed conveyancer to review your contract, perform checks on the title, and draft the settlement documents -Pest and building inspections - this is your pre-purchase research, particularly for older homes -Mortgage registration and transfer fees - This is a fee levied by the state governments to cover the cost of transferring the title -Loan application or establishment fee - these are the fees your lender charges to set up your Home Loan -Lenders Mortgage Insurance (LMI) - the smaller your deposit, the more insurance you pay. However, this insurance does allow buyers to buy with as little as 5% deposit -Council and utility rates - connecting gas, electricity and telecommunications -Building and contents insurance - compulsory if you have a Home Loan It would be a good idea to do a thorough cost analysis before purchasing a home. Pulp Finance can help take the stress out of buying a house by not charging any fees in the loan process! Contact Pulp Finance on 1300 506 998 or [email protected] https://pulpfinance.com.au/ #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage Your full financial situation would need to be reviewed prior to acceptance of any offer or product

10.01.2022 Benefits of Refinancing Refinancing could benefit borrowers by allowing them to secure lower interest rates which means lower monthly payments. Refinancing also means you could pay off your mortgage in less time, by reducing the number of years.... Although there are high benefits to refinancing, there would be costs involved so we would need to work out if it would be worth it in your own circumstance. If you're trying to decide whether or not to refinance, contact Pulp Finance to help with running the numbers. Contact Philippa on 0424 446 443 https://pulpfinance.com.au/ #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 508672 is authorised under Australian Credit Licence 389328

10.01.2022 Thank you Jodie, it was an pleasure to help you and I appreciate the testimony. I love my job! #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #educatingforfinance #dreamhome #smallbusiness #Perth #WA #realestate #perthisok #ownyourhome #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips#homeloan #propertyinvestor#perthhomeloan #perthmortgage #financejourney #financebrokerperth #lifestyle Your full financial sit...uation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 509212 is authorised under Australian Credit Licence 389328 See more

08.01.2022 If youre looking for finance for a new boat or another family lifestyle asset, we can access more than 40 specialist lenders to find you a competitive rate and flexible repayment terms to make it more affordable. Call Pulp Finance on 1300 506 998 or email [email protected]. https://pulpfinance.com.au/ #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #ilo...veperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 508672 is authorised under Australian Credit Licence 389328

08.01.2022 By leaving your money sitting in your offset account will reduce the amount of interest you pay on your loan. Whether you are saving for Christmas or a Holiday, or simply you put your monthly spending allowance in, it will all help reduce the interest you pay on your loan. If you want to have a chat about other options to save money on your mortgage give Philippa a call on 0424 446 443 #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #educatingforfinance #dreamhome ...#smallbusiness #Perth #WA #realestate #perthisok #ownyourhome #mortgagebroker#newhome #firsthomebuyer#perthproperty #iloveperth #australiaproperty #realestatetips#homeloan #propertyinvestor#perthhomeloan #perthmortgage #financejourney #financebrokerperth Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 512489 is authorised under Australian Credit Licence 389328 See more

08.01.2022 What is a Home Loan Pre-Approval? A Pre-approval is when a lender has assessed your financial situation and gives an indication that they are willing to lend you an amount of money with certain conditions, a valuation for example. Having sought pre-approval not only helps you to work out your budget, but it shows estate agents that you are genuine about purchasing property. It can also give you the confidence to make offers on private sales or bid at auctions within your pric...e range. It can also be known as a Conditional Approval or an Approval in Principle. Let Pulp Finance help you find the right lender. Contact on Philippa on 0424 446 443 or [email protected] https://pulpfinance.com.au/ #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 508672 is authorised under Australian Credit Licence 389328

06.01.2022 Ultimately, your mortgage needs to suit you and your circumstances, or you will wind up paying too much. If you are not sure if your current loan matches your situation, or want to check what other options are available to you, have a chat to Philippa who can help you find the right product for you, as well as negotiating rates. Of course, it is important to make sure that your lender doesn't charge fees for extra repayments, refinancing, or any other steps you take in an att...empt to save on your loan. Philippa will be able to provide details and make sure you have a loan that lets you pay down your balance sooner. #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #educatingforfinance #dreamhome #smallbusiness #Perth #WA #realestate #perthisok #ownyourhome #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips#homeloan #propertyinvestor#perthhomeloan #perthmortgage #financejourney #financebrokerperth #lifestyle Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 509212 is authorised under Australian Credit Licence 389328

03.01.2022 The Home loan approval process After lodging a home loan application, hopeful borrowers are often keen to know what will happen next and how long it will take for them to receive the verdict. Click below for the latest blog on the home loan approval process ... https://pulpfinance.com.au/the-home-loan-approval-process-2/ #HaveAFinanceChat #thefreshapproachtofinance #dreamhome #Perth #WA #realestate #perthisok #ownyourhome #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage #financejourney #blog #homeloan #finance Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 512489 is authorised under Australian Credit Licence 389328

03.01.2022 I simply love what I do! Helping Steven with his First Home was a pleasure! 'Thank you Philippa for helping me find the best finance for my first home. With the many stresses that come with your first property purchase, it was great to have someone knowledgeable to help navigate through the overwhelming financial options and information available. Philippa took the time to explain each step of the way, answering any questions I had with patience and professionalism, whic...h made life so much easier and the process less daunting. Highly recommended!' If you want to have a chat about buying your first home and starting your finance journey, give me a call on 0424 446 443. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 509212 is authorised under Australian Credit Licence 389328

03.01.2022 Step into Spring with a Great Offer from Pulp Finance! There are many advantages to using a Mortgage Specialist to find the right loan. Mortgage Specialists have access to far more lending options and the knowledge and experience to help you find the most suitable option for your personal circumstance. At Pulp Finance, our Mortgage Specialists are taking this a step further to help clients manage their money and future wishes by including a simple will with every settled loan..., with partner company Legal Wills Online, for the start of Spring (terms and conditions apply https://pulpfinance.com.au/step-into-spring-with-a-great-o/). All wills created through Legal Wills Online are legally compliant and professionally completed by our legal partners at Vibe Legal. Get in touch today! Call 1300 506 998 or e-mail [email protected] #HaveAFinanceChat #WeCareAboutYourJourney #Finance #ForYouForYourFamily #PulpFinance #LegalWillsOnline #PerthBroker #thefreshapproachtofinance #dreamhome #smallbusiness #Perth #WA #realestate #mortgagebroker #newhome #firsthomebuyer #perthproperty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage Terms and Conditions: https://pulpfinance.com.au/step-into-spring-with-a-great-o/ Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. Subject to lender terms and conditions. Credit Representative 508672 is authorised under Australian Credit Licence 389328.

03.01.2022 Small deposits all add up and will make a difference to reduce the balance and the interest payable on your loan. If you want to have a chat about other options to save money on your mortgage give Philippa a call on 0424 446 443 #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #educatingforfinance #dreamhome #smallbusiness #Perth #WA #realestate #perthisok #ownyourhome #mortgagebroker#newhome #firsthomebuyer#perthproperty #iloveperth #australiaproperty #realestatet...ips#homeloan #propertyinvestor#perthhomeloan #perthmortgage #financejourney #financebrokerperth Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 512489 is authorised under Australian Credit Licence 389328 1d See more

02.01.2022 There are a few different parties involved when you are buying your home, some of which you might not have even realised. Head to this weeks update on the website to find out who does what when buying a property https://pulpfinance.com.au/who-are-the-different-parties-i/ #PulpFinance #HaveAFinanceChat #thefreshapproachtofinance #educatingforfinance #dreamhome #smallbusiness #Perth #WA #realestate #perthisok #ownyourhome #mortgagebroker #newhome #firsthomebuyer #perthprop...erty #iloveperth #australiaproperty #realestatetips #homeloan #propertyinvestor #perthhomeloan #perthmortgage #financejourney #blog Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit Representative 512489 is authorised under Australian Credit Licence 389328

01.01.2022 A lovely thank you gift received from clients after assisting them with their First Home purchase. Thank you! I genuinely love what I do and seeing clients moved into their new home in time for Christmas is fantastic! #homeloan #firsthomebuyer #thankyou #pulpfinance #haveafinancechat #perth #dreamhome

01.01.2022 Have you heard about the Spring promotion? Pulp Finance is including a will with every mortgage loan application received by 15 October 2018 and settled by 31 December 2018 (terms and conditions apply). Enquire today!