Richman Home Loans in Sydney, Australia | Mortgage brokers

Richman Home Loans

Locality: Sydney, Australia

Address: Level 35, One International Towers, 100 Barangaroo Ave, Sydney NSW 2000 Sydney, NSW, Australia

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

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25.01.2022 There are a range of considerations which need to be made when purchasing a property which are often overlooked by first-time investors. This property purchase checklist aimed at Victorians, helps you identify whether there are any issues present that will affect you when buying a property. This is a good starting point when beginning your property research. Follow the link below to the article!... . . . . . #homeloans #education #educateyourself #betteryourself #propertyloan #ausproperty #propertyresearch #Richman #RichmanHomeloans See more

25.01.2022 Managing risk as a property investor is vital and often overlooked. There is always an element of risk when buying any kind of property, however, some of these risks can be managed by ensuring you have a researched risk management plan in place. Keep reading by following the link below! https://replug.link/ea338d20

24.01.2022 The cash rate is extremely important as it will help determine what #interest rate your #lender will charge and therefore affect your repayment amount. The official #cash rate, along with the cost of funding, can cause your lender to raise or cut rates after the #RBA makes a cash rate decision.

24.01.2022 When you see a #homeloan advertised, by law there need to be two rates advertised, the interest rate and the comparison rate. The #interest #rate simply shows how much interest will be charged as a percentage of the #loan, whereas a comparison rate is a standardized calculation of the interest rate if all the fees and charges were added in. #Richman #RichmanHomeLoans

24.01.2022 Here is some #MondayMotivation to keep you going through the rest of the week! . . . .... #homeloans #motivation #educateyourself #betteryourself #propertyinvestors #ausproperty #homeloan #Richman

23.01.2022 The truth is, people save more successfully when they set a short-term goal. For instance, committing to saving $20 a week or a month for 6 months is much more attainable that setting a goal to save $500 a month for a year. Once you reach the short-term goal, you’ll have created a habit of saving you can be proud of! You’ll be able to keep going strong with a new goal.

23.01.2022 Here are some wise words of wisdom from Amelia Earhart to keep you motivated! #mondaymotivation

22.01.2022 If you're interested in refinancing to improve your cash flows or to change your loan features, give our experienced team a call at 1800 725 852 for a free phone consultation!

22.01.2022 The Australian Bureau of Statistics’ (ABS) latest lending indicators revealed that roughly $20.4 billion worth of mortgages were refinanced during April - $13.6 billion of which came from owner occupiers and $6.8 billion from property investors.

22.01.2022 A variable rate home loan is exactly what it sounds like: a home loan on which the interest rate can fluctuate, varying up and down at any time. Unlike a fixed-rate home loan, which locks in a certain interest rate for anywhere up to 5 years, a variable interest rate is changed regularly by your lender. . . .... . . #educateyourself #betteryourself #propertyinvestors #ausproperty #Richman See more

22.01.2022 Mortgage lenders are offering up to $4,000 cash to homeowners willing to switch banks. If your home loan rate doesnt start with a two, you should start to shop around immediately for a better deal. Check out this article to find out about some of the cashback offers available in the market. If you want to take advantage of these new offers, contact us today!

21.01.2022 Buy and hold is the easiest form of real estate investment and history shows it’s a great strategy. It's all about long term wealth creation! #Richman

21.01.2022 Listings are set to rise significantly over coming weeks as more vendors make plans to put their homes on sale, in an early sign of recovering housing confidence. CoreLogics data showed pre-listing activity measured by the amount of comparable market analysis (CMA) report generated jumped by 10.6 per cent over the week ending May 10.

21.01.2022 As a #homeowner, are you interested in how #COVID-19 will impact #property prices? Click below to learn more! https://replug.link/23760cf0

20.01.2022 Here are some wise words of wisdom from the wealthiest person in Europe. Theres insight in the quote, both for running a company and investing money. #Richman #Motivation

20.01.2022 CBA has hiked its 3-year fixed rate for owner-occupiers in a further sign that Australia may soon see the end of ultra-low fixed rates.

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19.01.2022 With the RBA ruling out the possibility of zero or negative interest rates, analysts believe home loan costs are close to rock bottom, as home loan rates approach 2%. Learn more by reading this great article! If you're interested in refinancing, give our team at Richman Home Loans a call today! 1800 725 852

19.01.2022 You can make deposits or withdraw from an offset account as you would with a regular transaction account. The higher the balance and the longer the period, the less interest youll pay, and this could help you pay off your loan sooner. #RichmanHomeLoans

19.01.2022 The Government's HomeBuilder scheme offers $25k to eligible homeowners but not everyone will qualify. To qualify, you must meet the criteria below! This next phase of government stimulus shows us how important the housing market is to the national economy, and how devastating a collapse in residential construction activity will be to the housing supply in Australia. Potentially putting pressure on affordability in the mid- to long-term.... . . . . . #propertybusiness #educateyourself #betteryourself #propertyinvestors #ausproperty #propertyresearch #Richman See more

19.01.2022 A Pre-Approval Letter assures home sellers that you can be granted a #loan when needed, and is an important step to buying a home!

19.01.2022 Why it matters: Building home equity is a great strategy for building long-term wealth. At some point, youll want to tap into your home equity, whether its to fund your retirement, upgrade to a different home, help pay for a major life event, etc. The long and short, this number is your friend and you want it to be growing. #RichmanHomeLoans

17.01.2022 It is one of the biggest upfront costs when buying a property, yet many buyers are unaware of exemptions to stamp duty that may apply to them. Follow the link below to learn more!

17.01.2022 Here are some wise words of wisdom from Steve Jobs to keep you motivated through the rest of the week!

17.01.2022 Warren Buffett, the chairman and CEO of Berkshire Hathaway is estimated to be worth $84 billion. If you can only make as much money as you earn, youre limited by the number of hours you can work and the effort you can put out. But if you develop ways to make money, even when youre not working...thats the life-changing part!

17.01.2022 Use failure as an opportunity for growth! Some wise words from basketball legend, Michael Jordan. . . . .... . #property #educateyourself #betteryourself #homeloan #ausproperty #propertyloan #Richmanhomeloans See more

16.01.2022 Thank you for the kind words Gurjeet! #Richman

16.01.2022 Its wise to have an automatic withdrawal for an emergency fund, which can be tapped for unexpected expenses, and an automatic contribution to a brokerage account or something similar. Ideally, the money should be pulled the same day you receive your paycheck, so it never even touches your hands, avoiding temptation entirely. #Richman

16.01.2022 The Governments HomeBuilder scheme offers $25k to eligible homeowners but not everyone will qualify. To qualify, you must meet the criteria below! This next phase of government stimulus shows us how important the housing market is to the national economy, and how devastating a collapse in residential construction activity will be to the housing supply in Australia. Potentially putting pressure on affordability in the mid- to long-term.... . . . . . #propertybusiness #educateyourself #betteryourself #propertyinvestors #ausproperty #propertyresearch #Richman See more

16.01.2022 Here are some wise words of wisdom from the wealthiest person in Europe. There’s insight in the quote, both for running a company and investing money. #Richman #Motivation

14.01.2022 Some wise words from Elon Musk, CEO of Tesla and Space-X! Failure is a part of the road to success! #mondaymotivation

14.01.2022 Recognise your assets at hand and make financial decisions accordingly. You'll thank yourself later! #MondayMotivation

13.01.2022 You won’t get ahead if you don’t have a plan for your money. Instead, you’ll find yourself wondering where your money went at the end of every month! That’s not financial independencethat’s a recipe for financial disaster.

13.01.2022 A lot of people are interested in doing subdivision, but they don’t know where to start the land subdivision process. A subdivision is a parcel of land divided from a larger area. Its purpose is to split a large piece of land into smaller ones that can be developed independently of one another to increase growth and maximise the use of space. Click Below to learn more! ... https://replug.link/2ca26080 See more

13.01.2022 Understanding how stamp duty applies to your property purchase is important when deciding how much you can afford!

13.01.2022 Track your expenses every day! We mean it. Every. Day. If you dont keep up with what youre spending, youll be living in a fantasy land where wallets never go empty and bank accounts stay busting and full. #Richman

12.01.2022 Some wise words of wisdom from John Lennon! #motivation

12.01.2022 The next phase of government stimulus designed to revive the economy in the wake of the coronavirus crisis will focus on housing construction. This shows us how important the housing market is to the national economy, and how devastating a collapse in residential construction activity will be to the housing supply in Australia. Potentially putting pressure on affordability in the mid- to long-term. . ... . . . . #propertybusiness #educateyourself #betteryourself #propertyinvestors #ausproperty #propertyresearch #Richman See more

12.01.2022 https://www.yourinvestmentpropertymag.com.au//start-date-f Another half cooked Labor Party policy. This has great potential to evaporate billions of dollars in property values and put a further strain on rental market. #investing #investmentproperty #richmanproperty #federalelection #refianncetoday

11.01.2022 Lenders mortgage insurance (LMI) is a one-off payment and has a purpose of protecting the lender in the event that you default on your #mortgage. #Lenders usually take out this insurance when they are lending more than 80% of the value of the #property and it enables them to take on this higher risk. #LMI is something to take into consideration when getting a home loan, or refinancing!

11.01.2022 Some wise words of wisdom from Albert Einstein! #mondaymotivation

11.01.2022 Some wise words of wisdom from John Lennon! #mondaymotivation

10.01.2022 Changes to home loan interest rates may be slowing but competition among lenders is alive and well with averages continuing to fall and some of the sharpest offers ever seen hitting the market in recent weeks. Follow the link below to read up on the latest Mozo banking roundup which provides an overview of the major changes that were made to fixed and variable mortgage rates! #RichmanHomeLoans #HomeLoans

10.01.2022 Olivia and Ethan was a couple in their 30s with stable jobs. They were genuinely focused on wealth creation. Together they were looking for investment in another property to add to their investment portfolio. They selected a property valued at $600k which would be their second investment together. They were seeking to borrow 70% of the property price and were willing to pay the balance from their savings and redraw on another loan. Olivia worked as a Senior HR Manager for an... energy company and earned $90k in a year. Two years back Olivia bought a 40% stake in a florist business and received regular income. The business was registered for GST. She had no default registered against her. Ethan worked as an Engineering Manager with a construction company and earned $120k in a year. His credit story was a little different. He had a $2,100 unpaid default registered on his credit file from a credit card. This three-year-old default had been lodged by the bank and seemed like a genuine credit card charge. Since the bank could not help them, they were looking for a lender who could assist them with mortgage financing for this property. Enter Refinance Today Olivia and Ethan reached out to Refinance Today to find out if they could get any help for their problem. Refinance Today assessed their finances and assured them that they could help. They assured that they could assist them with the 70% loan that Olivia and Ethan were seeking to borrow. Since Ethan’s default was more than 24 months old and there were no new credit defaults in the couple’s history, as per the policy they were eligible for the loan amount. As part of income verification, the couple was required to share their last 2 payslips along with any one Letter of employment or Tax assessment notice or Latest group certificate or 3 months bank statements showing wages receipts Additionally, Olivia was required to declare income from the florist business she invested in with a document to support her declaration. The document could be 6 months business bank statements or 6 months BAS or Accountant’s Letter. The accountant must have acted for client > 12 months. Refinance Today looks at several factors in addition to the traditional money lending criteria to assess the loan application. If you can relate to this story and are seeking guidance reach out to us now! Visit www.refinancetoday.com.au or call on 61 02 82182471! #FridayFeeling Disclaimer: The names & facts have been modified. Also the photo is a stock photo and not the actual photo of the client.

10.01.2022 Over the last few weeks, there have been huge rate cuts to home loans, with advertised rates hovering ever closer to the 1% p.a mark. This past week, Macquarie Bank made a wide variety of cuts across both owner-occupier and investment loans. To read more about the specific cuts made check out the link below! https://replug.link/6653d390

09.01.2022 There’s no way to be successful without taking risks. That’s as true in investing as it is in a career. If you don't take some amount of risk, you'll be lucky if you can keep up with inflation. #MotivationMonday

09.01.2022 Whether youre looking to purchase your first home, or are a seasoned investor with multiple investment properties under your belt, it is critical to understand how the property investment cycle may affect your purchase. Follow the link below to learn more! #RichmanHomeLoans https://replug.link/8d16eaa0

08.01.2022 Here is some #thursdaymotivation to push you through the rest of the week! Never stop striving for success . . . .... #homeloans #motivation #educateyourself #betteryourself #propertyinvestors #ausproperty #homeloan #Richman

08.01.2022 You wont get ahead if you dont have a plan for your money. Instead, youll find yourself wondering where your money went at the end of every month! Thats not financial independencethats a recipe for financial disaster.

08.01.2022 Buy and hold is the easiest form of real estate investment and history shows its a great strategy. Its all about long term wealth creation! #Richman

08.01.2022 Warren Buffett is widely considered to be one of the best investors of all time! Here is some wisdom on how he grew his wealth. #Motivation

07.01.2022 Johnson adds that Consistent hard work leads to success. Greatness will come. Sometimes even the consistency itself is the greatest success and what people remember. Dream big, start doing the small stuff well. Repeat every day! #motivation

07.01.2022 If youre interested in refinancing to improve your cash flows or to change your loan features, give our experienced team a call at 1800 725 852 for a free phone consultation!

07.01.2022 Today the last four-year fixed home loan rate under 2 per cent has been hiked, marking an end to ultra-low longer-term fixed rates in Australia. At the start of the year there were 32 four-year fixed rates under 2 per cent, including from three of the big four banks. BankVic was the last lender to hold out, however, today this rate is set to rise from 1.95 per cent to 2.29 per cent.

07.01.2022 Here are some wise words of wisdom from Amelia Earhart to keep you motivated! #motivation

05.01.2022 Commonwealth Bank customers were notified via an email last week that eligible customers home loan repayments will automatically be reduced to the minimum amount. CBA said in a statement the change was designed to give customers experiencing financial hardship a cash injection. Although reduced payments are great, are the short term gains worth the long term implications of lowering your repayments? If you're interested in learning more, check out this great article!

05.01.2022 Track your expenses every day! We mean it. Every. Day. If you don’t keep up with what you’re spending, you’ll be living in a fantasy land where wallets never go empty and bank accounts stay busting and full. #Richman

05.01.2022 Home loans are approved much faster now in 2021, say the leaders of some of Australia's biggest banks. Music to the ears of many would-be borrowers eager to jump into the busy property market, undoubtedly.

05.01.2022 Something that isn’t on every investor's checklist is getting a building and pest inspection. However, getting one done may be a good idea which could save you thousands of dollars. Read all about the benefits of getting a building and pest inspection by following the link below! https://replug.link/2a4a1fb0

04.01.2022 Have a MORTGAGE? It's time for a REVIEW!!! Call Today: +61 406923676... Address: 9 George Street North Strathfield NSW 2135 Privacy Policy: http://refinancetoday.com.au/privacy_policy.php Credit Guide: http://refinancetoday.com.au/credit_guid.php *conditions apply #easyloan #hasslefree #loan #money #mortgage #realestate #loans #finance #lending #quickloan #homeloan #realtor #businessloan #home #financialfreedom #onlineloan #broker #business #creditscore

04.01.2022 Known as the First Home Buyer Deposit Scheme, the benefit allows first-time buyers to put down just 5 per cent deposit for a property with the government acting as guarantor for the remaining 15 per cent. . . . .... . #homeloans #educateyourself #betteryourself #propertyinvestors #ausproperty #property #RichmanHomeLoan See more

03.01.2022 Here are some wise words from the wealthiest man in the world, Jeff Bezos! #mondaymotivation

03.01.2022 Due to the impact of #COVID-19 on the #economy, lenders are assisting borrowers in various ways. The bigger banks are allowing you to pause your home loan repayments for up to 6 months if your ability to service your #loans has been affected. What would be the impact for choosing to pause the repayments of your #mortgage?

03.01.2022 Some wise words of wisdom from Stephen Hawking! #motivation

03.01.2022 According to Domain's Loan Finder Executive Director, fixed interest rates on offer are "staggeringly cheap", and "now is frankly the best time to refinance". If you're interested in by refinancing, give our friendly mortgage brokers a call at 1800 725 852!

02.01.2022 Debt can definitely be a little bit discouraging. But remember that money is a good thing, even if it seems to carry a lot of burden right now. #Richman

02.01.2022 Whether you’re looking to purchase your first home, or are a seasoned investor with multiple investment properties under your belt, it is critical to understand how the property investment cycle may affect your purchase. Follow the link below to learn more! #RichmanHomeLoans https://replug.link/8d16eaa0

02.01.2022 Many investors or home buyers want to know how they can increase their borrowing capacity. To either, be able to afford the property they want or so they can go out and purchase more investment properties. To learn how to maximise your borrowing power, follow the link below! https://www.richmanproperty.com.au/how-to-maximise-your-bo/

01.01.2022 It’s wise to have an automatic withdrawal for an emergency fund, which can be tapped for unexpected expenses, and an automatic contribution to a brokerage account or something similar. Ideally, the money should be pulled the same day you receive your paycheck, so it never even touches your hands, avoiding temptation entirely. #Richman

01.01.2022 Thanks for the kind words Seetaram! #Richman

01.01.2022 On the other hand, unconditional approval means that a lender has taken the time to formally assess all your paperwork and your signed loan application, and decided to offer you a home loan based on the property you have chosen to buy. #Richman