Raj Kishore | Property

Raj Kishore

Phone: +61 405 546 574

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25.01.2022 https://www.theadviser.com.au//38515-open-letter-to-cba-ce

25.01.2022 #MortgageBrokersWorkforYou Have been receiving messages from satisfied clients and am grateful for their Business but this one captured my heart: Hi Raj ... This afternoon was so exciting! Sorry I meant to get back to you but I've already started on the house with family (tidying the garden, pulling up carpets and vinyl haha) I'm sooo glad you got the card! Fingers crossed you win You deserve it! You have honestly made this journey so memorable and so much easier for me! I appreciate all your help! I am happy to keep and touch and work with you in the future! I know your daughters have got a great dad guiding and supporting them in a good direction, they are very lucky to have you! Thank you for such nice words! I will also get around to doing a review for you of course. More than happy! Speak with you tomorrow afternoon Have a great evening! Regards, XXXX

24.01.2022 With Australian personal debt skyrocketing in recent years, it's likely that you will come across customers who are drowning under the weight of their many repayments. When this happens, it's important to know that you can help them consolidate their debt into one easy, manageable repayment with Bluestone. For example, recently we were able to successfully consolidate 20 debts for one couple! The middle-aged couple with one dependant found themselves overcommitted throughout... the years, using unsecured credit to cover school fees, home renovations, overseas trips and some big purchases like a new car. They were struggling to meet their monthly repayments for these debts, including their mortgage, which was in arrears due to a couple of missed payments. After assessing their situation, we were able to consolidate all 20 debts and reduce their repayments by $1,312 a month! As you can imagine, the couple couldn't have been happier with this solution! Its not a healthy situation to be in but there is nothing that cannot be fixed or rectified. Sometimes it may take a bit longer but solutions are there. We have Business Partners who will assist...... Feel free to call me on my Mobile 0405 546 574 or Email me on [email protected] for a confidential discussion.

24.01.2022 R U OK... Please reach out and talk to your loved ones....find out if they are OK..and talk to someone if you're not OK. Please reach out... reaching out is an act of courage...

24.01.2022 https://www.theadviser.com.au//38545-aggregator-groups-con

23.01.2022 Case Study for those looking for a House and Land Package You could qualify for Federal $25,000 Homebuilder Grant... You could qualify for state $15,0000 First Home Owners Grant You could qualify for not paying any LMI under First Home Loan Deposit Scheme approximately $12,500 You could qualify for first home stamp duty concession Case Study Example - First home buyers Emma and Liam decide to purchase a house and land package. Emma and Liam enter into a house and land contract for $550,000 on 25 September 2020. Emma and Liam’s bank applies on the couple’s behalf to the relevant State or Territory revenue office to receive the HomeBuilder $25,000 grant. The revenue office conducts the eligibility checks and reviews the couple’s documentation and confirms that both Emma and Liam are: Australian citizens, Over the age of 18, Have a combined taxable income under $200,000 based on their 2018-19 tax return and The value of the contract is under the $750,000 contract price cap. As the couple are both First Home Buyers, Emma and Liam may also be entitled to their State’s First Home Owner Grant and Stamp Duty Concessions as well as the Commonwealth’s First Home Loan Deposit Scheme and First Home Super Saver Scheme. Call Raj on 0405 546 574 if you want to know more... #midasfinance #mortgage #broker #update #firsthomebuyers #fhlds #homebuilder #homebuildergrant #goldcoast

23.01.2022 Broker Academy...

23.01.2022 First Home Loan Deposit Scheme....Midas Finance....

23.01.2022 Be Alert, not Alarmed.. The Coronavirus (COVID-19) has become an international public health emergency, with the World Health Organisation declaring it a pandemic on 11 March 2020, and many countries starting to close their borders. Australia is not far from following these guidelines, hoping that it does not come to that. With the cancellation of major events in Melbourne, and the growing level of fear and uncertainty within our community, it’s important to assure you t...hat it is still business as usual at Midas Finance. We will continue to serve our valued clients and have taken precautionary measures such as working electronically (via emails), Skype, Zoom Meetings etc.. and when there is a need to work Face to Face, we will ensure all protective measures are taken. Whilst we have not yet been directly impacted by the virus, we have been continuing to closely monitor the situation. Please take professional advise to those who may think they are affected or have health concerns. We look forward to getting back to Business as Usual, meanwhile, take extreme care and do contact us for your Banking, Finance and Insurance needs. Midas Finance Team Raj Kishore

23.01.2022 The Reserve Bank has cut the official cash rate for the second month in a row, with focus now shifting to the response from the mortgage market.....

22.01.2022 Happy Easter to all my Clients, Families and Friends...have a safe and blessed holiday....

21.01.2022 More First Home Buyers Grant from the QLD Government - The Palaszczuk Government $106M first home owner grants and regional home building boost to re-affirm commitment to the $15,000 first home-owner grants program for any Queensland first home buyers purchasing a new home valued at less than $750,000; and provide an additional $5,000 grant for buyers of a new home (with the home being owner occupied and valued up to $750,000) in a regional location.

20.01.2022 Refinancing? Look at your options..... Call Midas Finance for a discussion which may save you $$$ and provide better products to suit your current needs....

20.01.2022 ANZAC Day is a time to reflect on the Servicemen and Servicewomen, past and present, who have displayed courage and self-sacrifice serving our country.

20.01.2022 Brokers work for you......

19.01.2022 Looking for a competitive deal......call me now....

19.01.2022 https://www.theadviser.com.au//38314-royal-commission-rele

19.01.2022 MFAA National Roadshow New era. New thinking. 2019... Inspirational... #brokersworkforyou

17.01.2022 A big four bank has noted the valuable contribution that brokers have played in its mortgage growth and has reiterated its support for the current remuneration model, amid a 5 per cent drop in its profits https://www.theadviser.com.au//38436-major-bank-highly-dep

16.01.2022 RBA announces November cash rate: https://www.theadviser.com.au//38460-rba-announces-novembe

16.01.2022 If you have recently been affected by the disasters we've had, this may provide you some financial support...

15.01.2022 RBA does it again..... It will never been a better time for a Home Loan Health Check.....

14.01.2022 We’ve had multiple instances in the past whereby clients have accessed their super and wants to use these funds towards the purchase of a property. There has been strict rules and guidelines by ATO in regards to this and if a borrower has access super without being eligible - they fail the CHARACTER test for home loan purpose. Have a read through this news - unsure ?? Call me to discuss further Raj @ 0405 546 574

14.01.2022 https://www.theadviser.com.au//38395-cba-bankwest-withdraw

14.01.2022 Act now to secure and lock a better deal....there are indications that the Big 4 may increase rates.... https://homeloansaustralia.com/rate-watch-2018-hike/

14.01.2022 Merry Christmas and a Happy New Year to all my Valued Customers, Business Associates, Families and Friends... The Team at Midas Finance wishes you peace, joy an...d prosperity throughout the coming year. Thank you for your continued support and partnership. We look forward to working with you in the years to come. During this season, we take time to reflect upon the good things we have like our partnership with you. We appreciate working with you and hope that the holidays and the coming year will bring you happiness and success. Regards from Raj Kishore

13.01.2022 Brokers driving competition, pulling away from majors: MFAA https://www.theadviser.com.au//38441-brokers-driving-compe

13.01.2022 Happy Friday Happy Client ----------------------- Good Mornig Raj,... I have settled really well in the new place! I am not planning to have a facebook account so please post my Testimony on your website/FB : Testimony Raj, I really cannot thank you enough for your advice, help and kind assistance throughout the purchasing and settlement process of 2 properties in 6 months! I honestly believe that you are the best in this business with a backup of more than 2 decades of experience. I would not hesitate to refer your services to anyone. I would love to continue working with you and I hope it won’t be too long before I contact you again. Thank you heaps for everything and I wish that you continue to guide and assist your clients in the right direction and make their dreams come true! Best Wishes, Resh We will be available for you so please book a time for coffee/lunch/dinner at your convenience. Good Morning Raj, l will also email the testimony to all the ABCD Club members so you may need to hire an assistant to cope with the workload! Cheers, Resh

13.01.2022 https://www.mfaa.com.au//mortgage-broker-market-share-surg

11.01.2022 https://www.facebook.com/174238599281322/posts/2007192745985889/

11.01.2022 It's a #RUOKDAY, a reminder that every day is a day to start a conversation that could change a life. Today, learn what to say after #RUOK so you can keep the conversation going when someone says they are not OK. Be the ear just to listen, be the hug just to comfort and be the love to help their heart. No matter how big or small please don't fight it alone #reachout

11.01.2022 Happy Fathers Days to all the great Dads...........

10.01.2022 Lest We Forget.....

10.01.2022 Looking for a new Home Loan? Want to purchase an Investment Property? Wanting to Consolidate debts? Or just want to get a better Deal? Make sure you get it right the first time. It’s no secret that the mortgage industry is under the microscope at the moment. Every day lenders are changing their policies and processes to adapt to accommodate in keeping the industry bodies satisfied. There are more and more boxes that need to be ticked, and whilst there are some consistenci...es, each lender is different. Don’t risk choosing a lender yourself or applying for finance on line. Each time you are declined finance this is highlighted in the next application, and you are probably not aware of the damage you are doing to your credit report. Talk to someone who is living this industry every day, someone who is totally up to date with all the lenders policies and processes. Get it right the first time Need to have a discussion, call Raj on 0405 546 574 or send an Email to [email protected] See more

09.01.2022 Watch out for online shopping scams this holiday season Losses to online shopping scams have increased 42 per cent this year, and Scamwatch is warning Australians to be careful when buying gifts this holiday season. Scamwatch has received over 12,000 reports of online shopping scams so far this year, with almost $7 million in reported losses.... More people have been shopping online this year due to COVID-19 restrictions and scammers are now targeting people doing their Christmas shopping, including in the Black Friday and Cyber Monday sales, ACCC Deputy Chair Delia Rickard said. Scammers create fake websites that look like genuine online stores, offering products at very low prices and victims will either receive a fake item or nothing at all. They also post fake ads on classified websites, often claiming they are travelling and someone else will deliver the goods, but the item never arrives and the victim can no longer contact the seller. Losses on classified websites, such as Facebook Marketplace and Gumtree, have increased by 60 per cent this year, to $4.5 million. Reports of online shopping scams involving consumer goods, such as shoes, phones, computers and toys, continue to be high. But the most common thing people were trying to buy when they were scammed was puppies and other pets. People aged 24 and under reported the highest number of scams involving phones and computers. Watch out for popular products being sold at prices much lower than on other websites and sellers requesting payment through direct bank transfer or cryptocurrency, Ms Rickard said. Take the time to consider who you are dealing with and don’t be pressured by special offers. Do your research by checking independent reviews of online stores or the seller’s history on classified websites. Another scam to be aware of if you have made recent purchases online is fake parcel delivery notifications via text message or email. Australia Post will never ask you to click a link to enter your personal details, nor will they ask for credit card details or a fee to deliver your packages, Ms Rickard said. If you have been the victim of a scam, contact your bank as soon as possible and contact the platform on which you were scammed to inform them of the circumstances. Most financial institutions offer a charge back service for credit cards and will dispute a credit transaction with the merchant if they still exist. More information on scams is available on the Scamwatch website, including how to make a report and where to get help. Happy and Safe Online Shopping......... Raj@Midas

09.01.2022 NAB will be one of two major lenders to offer mortgages under the federal government's first home loan deposit scheme. The scheme starts from 1 January 2020 and there is still a lot of work behind the scene to be done to finalise and implement this scheme. This fact sheet may give you more insight on this scheme.

09.01.2022 What's your views on rates dropping?

08.01.2022 New First Home Loan Deposit Scheme - What You Need to Know...

08.01.2022 Business Owners......

07.01.2022 Please share this: For any friends and family effected by the bushfires, here are the dedicated contact phone numbers with each bank who are offering some eme...rgency assistance or a relief package for their customers. Each bank will vary in the type of relief they offer and it will be unique to each customer. If you have been effected please call your bank and ask for help - they want to help you just like all of us do. CBA - 1300 720 814 Westpac - 1800 067 497 NAB - 1800 701 599 ANZ - 1800 149 549 ING - 133 464 Bank Australia- 132 888 Bank of Qld - 1800 079 866 Bendigo Bank - 1300 652 146 Adelaide Bank - 1300 650 259 Rural Bank - 1300 660 115 ME Bank - 13 15 63 MyState - 138 001 Resimac - 1300 793 741 Firstmac 13 12 20 Suncorp - 13 11 55 Macquarie - 1300 363 330 AMP - 133 888 Bank of Melbourne - 1300 020 266 BankWest - 1300 769 173 Citibank - 1800 722 879 Heritage - 13 14 22 Liberty - 1800 110 924 LaTrobe - 13 80 10 St George - 1300 655 489 Virgin Money - 1800 701 997 #bushfire #bushfirerelief #bushfireassistance #bankrefief #emergency #stateofemergency #homeloanhelp #finance #mortgagehelp #financehelp

07.01.2022 Rates are dropping....now could be an ideal time to re-look at your Lending and restructure..... First Home Buyers would be loving this.... Call Midas Finance to discuss......

07.01.2022 Thinking about Refinance, Purchase or Restructure..... "The cash rate has hit a new record low, with the Reserve Bank easing monetary policy for the fourth time in less than a year amid a sharp dip in market sentiment....."

07.01.2022 https://m.facebook.com/story.php?story_fbid=409699306207128&id=171708563339538

06.01.2022 From the Eyes of a Mortgage Broker: To all of you who may be embarrassed about your current Financial Situation: I just want to share a couple of Scenarios where I was able to assist two clients (separate files) as follows:...Continue reading

06.01.2022 https://mobile.abc.net.au//reserve-bank-raises-p/10593562

06.01.2022 https://www.theadviser.com.au//38787-prime-minister-backs-#

05.01.2022 Sometimes a few hours on Saturday is fulfilling....

04.01.2022 https://www.facebook.com/120184674661521/posts/2122921084387860/

04.01.2022 As predicted, Australia's official cash rate has plunged to 0.10 per cent, marking the lowest interest rates in the nation's history. Economists of the Reserve Bank of Australia (RBA) today decided to slash rates in a bid to stimulate the country's economy out of a COVID-19-driven recession.

03.01.2022 https://www.news.com.au//news-story/7af984616f1241569b61d0

01.01.2022 Great Initiative ..... First home buyers will get Government support to get to a 20 per cent house deposit if the coalition wins the federal election. Let's see what this election does to all these different policies that is on offer by the political parties............add your thoughts in comments below:

01.01.2022 Happy Mothers Day to all beautiful Mothers...

01.01.2022 First Home Buyers...time to get your hand on that Grant and get into your first home.. https://blenchpropertygroup.com.au/