Trewin Mortgage Broking in Bairnsdale, Victoria | Loan service

Trewin Mortgage Broking

Locality: Bairnsdale, Victoria

Phone: +61 3 5152 2800

Address: 63 Main Street 3875 Bairnsdale, VIC, Australia

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

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• Property
• Loan service
• Mortgage brokers

25.01.2022 Funny Friday and it will be a wet and cold one........ Not so funny however we need the rain

24.01.2022 New Cookies are a hit!! Lucky clients!

24.01.2022 Can I use the equity from my current home as a deposit for investment properties? Property investing FAQs: Most investors get started by using the equity in their home as the deposit on their investment property. Some investors are told to put up their home as collateral to fund the deposit of the new property (known as cross-collateralising), though we feel this is too risky. We prefer to minimise your risk by drawing out some equity and using it as a deposit for the new property so each asset is separately financed. This is where loan structuring and receiving appropriate advice is absolutely critical - so send us a message or call us to help walk you through how this could work for you.

23.01.2022 Thanks Ken, simple and too the point :)

23.01.2022 Funny Friday, Looking forward to Waynes visit this morning with the goods.....it is an early start today!!

23.01.2022 Funny Friday.........Hopefully that wind has blown Spring our way!! If only we could actually enjoy the weekend.......At least we can get some sun tomorrow :)

23.01.2022 What if my email address changes? "Accessing Online Statements All electronic communication will be sent to the email address we have on your personal file. Please ensure this is current so that you never miss out on any email notifications and keep us updated of any change in the email address."

21.01.2022 #5 If I am behind on my current loan payments, can I refinance my home loan? "Top 10 FAQS We will review your situation and talk with you about why youve missed making payments. Missing one or two payments is unlikely to prevent you from getting refinancing though it could impact which lenders you will be available to refinance with."

21.01.2022 # 10 How do you help get my loan approved? "Top 10 FAQS We have a wealth of experience organising and submitting applications on behalf of our clients - and overseeing the process to settlement and beyond. We will present your application, along with accompanying documents to the lender in a format that not only meets their lending policy, but makes it easy for them to review and assess to allow the application process to be as quick, smooth and easy for you as possible."

20.01.2022 "Make your bathroom shine" Increase Your Property Value Tip: A clean and tidy bathroom makes a huge difference in how people feel about your home. If it needs some TLC, rather than major repairs, consider updating old tiles, the showerhead and handles with new pieces that make the bathroom look bright and clean. A positive first impression will make a profound difference.

19.01.2022 FUNNY FRIDAY: Check out this bargain! Selling is certainly an art... Be sure to watch the video!

19.01.2022 #8 What is Lenders Mortgage Insurance? "Top 10 FAQS Lenders Mortgage Insurance protects the lender in case a borrower defaults on their home loan. Lenders Mortgage Insurance (LMI) is a once-off fee that normally applies when the customer is borrowing more than 80% of the purchase price. LMI is scaled depending on the percentage you need to borrow (between 80 - 95%) and the dollar amount of the loan. LMI can be paid upfront or added to the total loan amount. As part of how we help our clients, we itemise every lender fee and charge so you have a complete breakdown of the costs associated with your loan."

19.01.2022 I hope you love your newly built home Matthew :)

18.01.2022 Funny Friday....wow what a week, I think we have squeezed two weeks worth of hours into this one......And Friday was not the most popular F word at times........Banks are out of control with daily policy changes, weeks to assess a deal and looking for any reason to say no.....Lucky our clients get to have us fight for their deals.

17.01.2022 Funny Friday........I agree Doc

15.01.2022 #7 What is a bridging loan? "Top 10 FAQS A bridging loan is a shorter-term loan. It is typically needed when you are selling one property and purchasing another one. It is also used when you are waiting for the arrangement of longer-term financing."

15.01.2022 #6 Why does the lender need these documents? "Top 10 FAQS The bank wants to be sure that if they are going to lend out their money, the people they lend it too are creditworthy and will pay it back. Lenders are in the business of managing and assessing risk, so this is their way of managing this process to determine whom they will lend money to."

15.01.2022 Thanks Ami-Lee, was a pleasure dealing with you too :)

15.01.2022 Why would you use our mortgage broking service? Mortgage Broker Service FAQs Buying your home or property is amongst the biggest purchases you will ever make, and you want things to go smoothly with an experienced broker who is reliable, easy to deal with and trustworthy. With a process that involves minimal filling of forms, our clients find the process simple, easy and professional. Further, our frequent and timely communication means you will be kept in the loop at every step of the process while knowing we are taking care of the details for you.

14.01.2022 What is the difference between a home loan & an investment loan? "Property investing FAQS The same types of loans and feature tend to be available for both investors and owner occupiers. These days, some investors will opt for an interest-only loan while others go for a principal & interest (P&I). Almost always, owner-occupiers have a P&I loan so they can reduce the amount owing and own their home outright. Also, some lenders may charge slightly higher rates for investment properties, particularly if they there to be higher risks associated with the type of property and or location."

14.01.2022 Cash Rate on hold

13.01.2022 #3 What is a credit score? "Top 10 FAQS Your credit score provides banks an indicates as to your reliability as a borrower. If you have a default (such as phone bill, gas bill, etc.), it can impact your credit score - and therefore, which lenders you are eligible to access funding through. Credit scores are mainly for the banks to have confidence the people they are lending money to are creditworthy and have the capacity to repay the loan."

13.01.2022 Will the Mortgage Broker be able to help me with all the First Home Buyer requirements? Mortgage Broker Service FAQs: Yes. We understand that getting everything organised can be a little challenging, and thats why part of our service for you includes helping you complete the necessary forms to claim benefits as a First Home Buyer.

12.01.2022 Are online statements legal documents? "Accessing Online Statements Yes, your online bank statements are the same as the ones you receive in the mail. You can access your statements all in one place and print the ones that are needed to assist with the application process."

12.01.2022 Funny Friday.......Enjoy your mask free weekend

12.01.2022 Funny Friday.........If only these converstations were not true!! I have had some interesting scenarios over the journey!!

11.01.2022 Funny Friday........well at least we now where this year went, locked in our homes!!

10.01.2022 We do all the hard yards so you do not have to :) Thanks Jade

09.01.2022 I recently did a Podcast with James McCracken of the Successful Advisor.....if you are interested in having a listen then feel free to follow this link :)

08.01.2022 Should I rely on what the online calculator says? Top 10 FAQs Online calculators can sometimes vary significantly from the actual amount a lender is willing to borrow because they dont always factor in the full circumstances that can influence your borrowing capacity. If you rely on the online calculator alone and put down an offer on a property, it could be a big risk. So, to avoid making a costly mistake, contact us to get a clear and quick calculation of your borrowing capacity.

08.01.2022 "Ventilate the home" Increase Your Property Value Tip: The ambience of your home, and the first impression visitors get can depend greatly on how it smells. Though we can all become accustomed to particular smells, such as our own cooking, if your home is aired out, it will appeal to a lot more people. A popular way to create a homely ambience is to bake something just before your home is opened as the fresh smell creates a sense of warmth and happiness.

07.01.2022 Thanks Nick, look forward to next time mate.

07.01.2022 Thank you Mr Kelly, especially for the fact that all of your emails to me start with "Mr Trewin"......they have made me feel very important :)

06.01.2022 Funny Friday and a frosty one at that.....enjoy your coffee this morning.....hint hint Wayne ;) LOL

05.01.2022 Probably the best description of the service I offer my clients......concise, efficient and effective......I would agree with that and this client although anonymous I was able to help when no one else could.

04.01.2022 Funny Friday.........good morning, have not seen one of these for a while as we have been in the office before the sun rises all week Have a great weekend everyone, looking forward to it

03.01.2022 #4 What features should my home loan have? "Top 10 FAQS Depending on your personal situation and goals, home loans can incorporate a range of different features. Whether you are anticipating children, would like to downsize, make extra repayments, renovate, or more, we can discuss the features you would like and provide you with a tailored lending solution to suit."

02.01.2022 Thank you Shane & Chris, always a pleasure to deal with the both of you too :)

02.01.2022 We love it when our clients keep coming back time and time again for our advice. I have relationships with clients that span over 20 years which is amazing.

02.01.2022 "A bad credit score means you won't qualify for a loan" Mortgage Myths: Though lenders do use credit scores to assess what type of loans you are eligible for, there are lenders that specialise in lending money to people with lower credit scores. Often this means paying a higher interest rate, but once your credit score has improved, you are generally eligible to refinance into a lender with a better rate.

02.01.2022 # 9 What is the difference between offset and redraw? "Top 10 FAQS A mortgage offset account is a transaction account linked to your home loan, into which you can deposit your salary, transfer money from other accounts, and use it for everyday spending, like for your groceries and bills. It can also reduce the interest payable on the balance of your loan. For example, if you have a loan of $340,000 and have $12,000 in your offset account, the amount of interest you pay will b...e calculated on only $328,000 ($340,000 - $12,000). A redraw enables borrowers to deposit additional funds directly into their home loan, which can also reduce the interest payable. And, those funds can then be accessed at a later point if required. Whereas an offset account will normally allow you to access any required funds on the same day, a redraw would normally take a little longer and might incur a redraw fee. To determine if one of these loan features is appropriate for you, send us a message." See more

01.01.2022 How will I know when I have a new online statement? "Accessing Online Statements Typically you will receive an email notifying when your next statement is available to view through Internet Banking. These notifications will typically NOT have a link to online banking, and you should beware of emails that are pretending to come from a bank."

01.01.2022 #2 What is equity? "Top 10 FAQS Equity is the difference between what your property is worth and the balance owing on your mortgage loan is. For example, if you have a property valued at $400,000 with a mortgage of $200,000, you have $200,000 worth of equity. Whether you live in the home or it is an investment property, equity is typically built up over time as the price of the property appreciates in value and/or as the loan value decreases."