Red & Blue Home Loan in Granville, New South Wales, Australia | Loan service

Red & Blue Home Loan

Locality: Granville, New South Wales, Australia

Phone: +61 402 576 515

Address: 8 O'Neill Street 2142 Granville, NSW, Australia

Website: http://www.redandbluehomeloan.com.au

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25.01.2022 Its our immense pleasure to support Granville Nepalese Community Club financially two years in a row for their Dashain Festival. Bravo to President Ramesh Thapa , Vice President Bhim Basnet General Secretary Saugat Bhattarai , Treasurer Jiwan Joshi and Past President Ram Ruwali for their active participation in this community event.

25.01.2022 Home Loan interest rate could slide further down. US Federal Reserve is expected to cut rates as the economy feels a trade war impact. As a result, Australian lenders see a further fall in wholesale funding costs for 2 and 3 years debt. This potentially makes a room for more home loan rate downside. Interested to know more? Call or Click us.... 0402576515 ? See more

25.01.2022 CoreLogic December 2019 Home Value Index A strong finish for housing values in 2019 with the CoreLogic national index rising 4.0% over the December quarter. Annual change in dwelling values for Sydney is up 5.3%, 6.2% alone in the December 2019 quarter.... Click below to download the link Source : https://www.corelogic.com.au//CoreLogic%20home%20value%20i

25.01.2022 ? Saugat Bhattarai Saugat Bhattarai Prakash Adhikari... 0402576515 See more

24.01.2022 The First Home Owner Grant (FHOG) scheme was introduced on 1 July 2000 to offset the effect of the GST on home ownership. It is a national scheme funded by the states and territories and administered under their own legislation. Under the scheme, a one-off grant is payable to first home owners that satisfy all the eligibility criteria. Call us to discuss... Saugat Bhattarai 0402576515 RnB See more

23.01.2022 HomeBuilder scheme EXTENDED The HomeBuilder scheme currently provides $25,000 grants to eligible people building a new home or renovating an existing one. It had been due to expire at the end of the year but will be extended to 31 March, 2021, at the lower rate of $15,000.

23.01.2022 Call us to discuss 0402576515

21.01.2022 It's World Religion Day - here are the top religions in Australia...

21.01.2022 The Reserve Bank of Australia has cut the cash rate to a new record low 0.5 per cent

21.01.2022 IS REFINANCING YOUR SOLUTION AMID THE COVID-19 EMERGENCY? Refinancing your home loan during the COVID-19 crisis can help you save money or even make money, depending on your strategy. Borrowers should, however, first consider seeking mortgage and financial advice, and be mindful of possible downsides. 1. You might get lower interest rates... The official cash interest rate now stands at 0.25%, the lowest it has been for over 60 years. However, banks are now competing hard with incredibly low interest rates to sell against their competitors. It is always more hassle-free process to negotiate better terms with current lender if it does work. 2. More attractive loan features If you arent getting enough features with your current loan, refinancing can always provide you better and flexible loan features like: Offset account Additional repayment Redraw facilities Interest only option Split interest option and many more 3. Shorten loan period If you are secure with your income and have additional money, it is wise to deduct loan terms by making extra repayments. By doing so, youll save up on interest incurred over the long term as well as get free of mortgage quicker. 4. Borrow against equity Been planning on renovations but have no saving to spend? Equity is the contrast between your property value and your debt balance. Refinancing your home loan might release you some equity. 5. Defer payment If you are facing tremendous financial crisis, you might not qualify for refinancing on the spot but you might be counted for financial assistance that generally supports up to six months of payment deferral. 6. Cost of refinancing Depending on what the lender charges, refinancing may cost you, that comprises of: Exit fee (for breaking contract) Government charges for increased loan size ( e.g. custom duty) Loan application, property valuation and settlement fees (differing lender-to-lender) LMI on borrow amount exceeding 80% of property value Currently the banks, brokers and lenders have all gone online so the social distancing wont adversely affect the refinance arrangements. The safe and easiest trick is to reach out to a broker who is up-to-date with ongoing policies and will steer you to choose the right alternative. Currently, the banks, brokers and lenders have all gone online so the social distancing wont adversely affect the refinance arrangements. The safe and easiest trick is to reach out to a broker who is up-to-date with ongoing policies and will steer you to choose the right alternative.

20.01.2022 FIVE COMMON MYTHS ABOUT HOME OWNERSHIP

19.01.2022 Many people believe that LMI is designed to protect the borrower in the case of loan default, but this is actually mortgage protection insurance, which is a different product. The true purpose of LMI is to protect and potentially benefit the lender. Call us if you would like to discuss. 0402576515... Source:canstar.com.au

17.01.2022 This is the expression of first time home buyers before consultation

17.01.2022 Your perception towards home loan process might not be the reality. Call us for an obligation free appoinment. Saugat Bhattarai... 0402576515 See more

15.01.2022 STATE OF EMERGENCY NSW has declared a state of emergency for seven days starting immediately as bushfires rage across the state.

14.01.2022 First home buyers trying to find out best option. Photo credit : lolnepal

14.01.2022 Do you want to purchase a home with a deposit of as little as 5 %? What is the First Home Loan Deposit Scheme? When does the First Home Loan Deposit Scheme start? What type of property can be bought under the Scheme? Who is eligible for the Scheme?... Do property price thresholds apply? How do I apply? Note: Applications for the Scheme are not yet open. To find out more go to https://www.nhfic.gov.au/ or call our Mortgage Broker on 0402576515

14.01.2022 Must know First Home Buyers Government Schemes First Home Loan Deposit Scheme Lets you purchase a first home with a loan deposit thats just 5% of the property cost First Home Super Saver Scheme Allows a first home buyer to save up to $30,000 for a property deposit through superannuation contributions.... Homebuilder Scheme - $25,000 grant for renovations or Construction State Government Support Various first home owner grants and stamp duty concessions

13.01.2022 Self employed? Complex lending situation? Seriously thinking of buying a property? We thrive where there is a challange and are experts in working for clients with complex lending scenario. Call us to discuss further... 0402576515 See more

13.01.2022 Declined but you see yourself back on track within 12 months but want a loan to secure a property now I may have an answerDeclined but you see yourself back on track within 12 months but want a loan to secure a property now I may have an answer

12.01.2022 Congratulations and Bravo Granville Nepalese Community Club for organising picnic @ New Gokula Farm on 16th November 2019 to the parents who are residing in Granville and its surrounding suburbs. Thanks Saugat Bhattarai, Director of Red & Blue Home Loan for taking charge of photography on the day. Special Thanks to Ramesh Thapa, President - Granville Nepalese Community and Ram Chandra Gautam, President - Granville Parents Club for your leadership. We love these spiritual photos.... !

11.01.2022 States and territories where customers can/can't use $25,000 HomeBuilders grant as the customer's contribution/deposit. YES - QLD, TAS, SA & NT NO - NSW, VIC, WA & ACT

11.01.2022 Interest rates could sink to 0.25 per cent today in an emergency move by the Reserve Bank as it unleashes quantitative easing on the financial system.

11.01.2022 The First Home Loan Deposit Scheme is an Australian Government initiative to support eligible first home buyers purchase a home sooner with a deposit of as little as 5 percent. The Scheme will support up to 10,000 loans each financial year, starting from 1 January 2020. To reserve a place in the Scheme it is incredibly important to know eligibility. There are additional processes that need to be followed for the eligibility. For more info please call your bank, broker or visi...t the link below. https://www.nhfic.gov.au/what-we-do/fhlds/ Or for obligation free information you can contact us on 0402576515 or [email protected]

10.01.2022 Loan to Value ratio (LVR) It is a percentage of value of the property being used as security for the loan. If you are putting $120,000 on $600,000 property, your LVR will be 80%. The lower the LVR, the lower the risk is to the bank. Generally speaking, more than 80% LVR is considered riskier. What is the maximum LVR that I can borrow?... Depending on the bank and their policies, you can borrow up to 95% (inclusive LMI) of the property value. You might need to pay stamp duty and other legal costs on top. Is it possible to borrow 100% LVR? Yes you can borrow 100%. You need a family member or a friend (Guarantor) that has ownership and equity in another property and who is willing to help you. If this is your scenario, call us for an obligation free appointment and trust me you wont be disappointed. 0402576515

10.01.2022 ? ... Saugat Bhattarai Red & Blue Home Loan 0402576515 Auction clearance rates remained above 60 per cent in both Sydney and Melbourne but the number of homes being put to bidders is down by more than a third over the past year. Source- smh.com.au

10.01.2022 Hurry!!!!! talk to us and refinance your home loan now to reduce your rate and get refinance benefit- up to $4000 this may not last long!!

09.01.2022 We are a proud sponsor of Parra Park FC.

09.01.2022 2.88% home loan interest rate- Super cheap interest rate with cashback for the first home buyers. Call 0402576515 to check if you are eligible

08.01.2022 Sydney and Melbourne prices are set to bottom out and rise at a more modest pace, holding below their recent peaks over the same period, the BIS Oxford Economics Residential Property Prospects 2019 to 2022 report suggests. Red & Blue Home Loan Saugat Bhattarai Saugat Bhattarai

08.01.2022 Benefits of Social Distancing Illustrated. Please Share Widely.

07.01.2022 What is Stamp duty? It is a charge which is applied by state governments in Australia and is in relation to the transfer of land or property. The State Government charges may vary depending on the purpose of the security purchased. For example, the charges will differ if you buy an owner occupied property as a First Home Owner or as the one who has owned a property before.... Each state in Australia has its own unique scale of charges. Call us if you want to have one on one appointment on stamp duty or any question on Home Loan. 0402576515 Reference: https://stampduty.calculatorsaustralia.com.au/

06.01.2022 This might just be the 'news' but worth considering this option.

05.01.2022 If you are thinking to buy a property, Pre-qualify yourself first. It gives you an idea of how much of a loan you'll likely qualify. How: Dial 0402576515 and we will go throught some financial and credit questions and thats it. Pre-approval is the second step, a conditional commitment to actually grant you the mortgage.

05.01.2022 Corona tracker https://ncov2019.live/data

05.01.2022 Westpac and ANZ Australia last week began lowering the interest rate they use to stress test loan applications. Commonwealth Bank said on Friday it would ease mortgage lending rules for its customers starting July 22. If you are thinking of buying property in Australia, then grab this opportunity to borrow more.... Call Red & Blue Home Loan if you need guidance. 0402576515

05.01.2022 A lot of buyers seem to be very focused on the lowest market price, but no one can be precise on that. In reality, we'll only know the minimum when the market starts to rise back again at which point, it'll be too late to act and waiting might be a regrettable decision. No matter whether you are buying now or later, we are here to help you get a home loan. 0402576515... Red & Blue Home Loan See more

05.01.2022 Dwelling values across the nation's capitals have had their largest monthly gain since 2003, according to CoreLogic

03.01.2022 We are glad to introduce KD Thapa who has officially joined Red & Blue Home Loan as a Mortgage Broker. KD brings wealth of knowledge in Finance and immaculate experience in people management. We are confident KD will take Red & Blue Home Loan to new heights.

02.01.2022 Quick Tips for a Strong Credit Report Tired of trying to predetermine whether or not a bank should approve your loan, and what causes them to do so? As credit report is the foremost factor for a bank while considering your loan request, making sure that your credit report is error free is the must-do rather than a choice. The credit report basically includes:... Past credit statements Listing of approved and rejected debts Monthly repayment installments Commonly occurring errors in a credit report that can have significant results: An account incorrectly created in your name Incorrect payment reporting Default outstanding incorrect amount Records not updated for newly created terms If the creditor does not notify you before listing the balance on the loan, you will have the right to investigate and possibly get it removed. Incorrect listing on credit reports may result in identity theft. This may be the case with a fraud taking out a loan on behalf of your identity. Minor errors found in credit reports can be corrected within 30 days for free by credit providers or credit reporting agencies as per theyre obliged. If you are ot satisfied with the credit providers response, you may complain to the Australian Financial Complaints Authority(AFCA) and to the Office of Australian Information Commissioner if you either got no outcome or are dissatisfied with that outcome too. Building a strong credit profile can be a long standing task. In any credit report, your payment background appears upto 2 years and court judgement notices, debt settlement information, outstanding defaults and bankruptcy up to 5 years. Simple ways to improve your credit score: Pay your bills on time and fill a missed payment for a deferral less than 60 days If the loan is not repaid in time, pay it within 14 days of the original due standing Don't unnecessarily apply for loans i.e. in high frequency Cancel unused credit cards to lower credit limits Stay away from negative account entry Check your credit report each year to avoid early errors so that next time when you find a great deal for your awaited home, youll be welcomed by the bank for a loan. Source: www.domain.com.au

01.01.2022 If you need a JP service, call us first to book an appoinment. 0402576515