Sharon Clarkson Senior Mortgage Broker in Byron Bay, New South Wales | Mortgage brokers

Sharon Clarkson Senior Mortgage Broker

Locality: Byron Bay, New South Wales

Phone: +61 400 609 916

Address: 53 Julian Rocks Drive 2481 Byron Bay, NSW, Australia

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10.05.2022 D O C U S I G N | Some lenders are now using electronic signatures to make the lending process faster. Mortgage documents for loans that fit certain criteria can now be forwarded via email directly to the borrowers to sign electronically. The documents are date and time stamped with supporting documents, terms & conditions being confirmed as viewed. Documents are received in the customers inbox, executed and returned to the lender with in hours. This process eliminates mi...ssing signatures, signing in the wrong spot which causes rework and delays. The best part especially for regional areas such as Byron Bay is how slow our postal service can be, so an electronic signing process can save days off of the settlement time. Correct personal details of the customer such as their email and telephone numbers which are cross checked add extra security to this process. A paperless process is certainly not too far away and welcomed here in my office. If you need to turn a purchase or refinance around quickly or simply need some lending advice please don’t hesitate to contact me. | Speak to an Expert | Mb 0400609916 [email protected] #byronbay #byronbaybroker #sharonclarksonmortgagebroker #mortgagebroker #northernrivers #ballina #lismore #lending #homeloans #money #interestrates #mortgage

24.01.2022 First Home Buyers have a win today? NSW Government axes Stamp Duty for Brand New Homes up to $800,000 from the 1st August 2020 Especially in the postcode I live and work in, prices rarely fall under the previous $650,000 which entitled the First Home Buyer 100% stamp duty exemption. This will bring a potential purchase for a First Home Buyer forward and may also make them consider buying a BRAND NEW property over an existing dwelling.... | SPEAK TO AN EXPERT| SC

21.01.2022 Home Loan Health Check | Lenders are now, more than ever offering borrowers competitive interest rates. But the problem being, if your home loan is more than 2 years old, and you ask your current lender to match market rates, more than likely the answer will be no and a marginal discount will be applied to the existing home loan. So why not speak to an experienced Mortgage Broker who can advise you on your options. And don’t be scared to move lenders. Moving your home lo...an does not mean moving all your banking, you can keep existing bank accounts, direct debits, salary credits and credit cards. If another lender can offer you 0.25% or more off your current rate then it is definitely worth considering the move and incurring moving costs which should on average be about $800. Make sure you get comparison monthly repayments to match your existing loan term, so if you have 25 years left on your mortgage, ask for repayments based on 25 years. I see far too often borrowers thinking they are getting a better deal or cheaper monthly repayment and the new loan is for 30 years. Of course it will be cheaper as you have added 5 years to the term. So know the pitfalls of moving. Your mortgage is the biggest monthly commitment that you can make the most savings from. It is in your best interest to have it looked at every 2 years or otherwise you could just be giving your current lender more than you need to, and who these days has extra cash to lose? | Speak to an Expert | Mb:0400609916 [email protected] #byronbay #byronbaybroker #northernrivers #ballina #lismore #lennoxhead #oceanshores #mullumbimby #bangalow #moneymatters #lending #homeloans #mortgages #refinance #sharonclarksonmortgagebroker #healthcheck

16.01.2022 COVID has had little effect on the last quarter borrowing for 2020. Owner occupied lending has hit record numbers. And yes interest rates are cheaper but lenders assessment rates have also hit record lows with some lenders assessing borrowers from 5%. As lending representatives we do NOT use the current interest rates for borrowing affordability. There is a bench mark rate set by each lender and loan product. The fore seeable future is set for lower rates and lenders have ...all reduced their assessment rates accordingly. 2021 will be an interesting year with BID(best interest duty) now coming into play this month. | SC |

15.01.2022 Is there going to be a turning point with property prices? My view is it will be geographical not across the board. There are always post codes that the gradual increases to full blown surges will continue due to society perception of ‘this is the suburb to reside in’ Jobkeeper served a purpose and now it has ceased, the economy will now have a chance to reveal its true colours.... Let’s see how people spend their money moving forward. Will it be into the home loans and skimp on disposable expenditure? Definitely a space to watch especially if you are looking to enter the market. | SC |

14.01.2022 There is so much talk about NSW Stamp Duty being abolished. I would like all to understand this is a proposed model that is being discussed, and it does not eliminate stamp duty per say, it simply renames it and defers it to a yearly housing tax payment. If the NSW State Government was to proceed with this, it could possibly stimulate the housing market as currently Stamp Duty is a massive hit upfront for buyers ( excluding FHOG applicants who purchase under $800,000 of which... it doesn't apply) The thing to watch, would this stamp duty money be used to push up housing prices for the people who do actually have it in their bank account. With anything I have noticed over the years, any hand outs or exemptions are then used by the buyer to offer more money during the purchasing process. Lets wait and see! | SC |

13.01.2022 $21,000,000 | Here it is! Simply stunning and with a view that is worth a few Million just on its own. Enjoy.....Byron Bay... | SC | #byronbaybroker #sharonclarksonmortgagebroker

11.01.2022 WE ARE BACK! | The state government has announced we are allowed up to 10 people together as of 15th May which just happens to fall on a Friday, so why not come out of lockdown and join in walking the lighthouse loop. We kick off 7.30am sharp from just in front of the Clarkes Beach Park Carpark which is the carpark in front of Beach Kiosk. It takes an hour to get around if you talk and walk so there is still plenty of time to get to your day job. I would love to meet any bu...siness person who needs to get back on track in kickstarting their business. All Welcome Xx #byronbay #byronbaylife #byronbaybroker #networking #byronbaynetworking #ballina #northernrivers #lismore #lennoxhead #mullumbimby #bangalow #backinbusiness #walkthewalk #exercise

08.01.2022 Are the wheels about to fall off? Over the preceding months the discussions I have had with my clients is that they deferred because they could. They deferred because they panicked and they deferred because its was more of a want than a need. I have a view that the borrowers who have resumed repayments, most likely didn't really NEED to in the first instance. An option of taking an interest only period could of ended up with a better result for the borrower, especially inve...stors whose tenants asked for a rent reduction. And owner occupiers had choices of taking fixed rate options some 0.8% lower than their current Standard Variable Interest Rate that would of provided some alleviation instead of pausing or capitalising the full monthly payment. With Jobkeeper on the rollback, being reduced in the payment amount from the end of September 2020 and then being removed all together early next year, any further extension of payments of borrowers who truly have no income is just delaying the inevitable. If the economy cannot sustain our population in providing employment then the outcome in my view will be dire. So, is the economy in the hands of the lending institutions? How will the lenders come up with a plan to stop the housing market being flooded with properties under forecloser? Will it be a buyers market for those lucky ones who hold secure employment in mid 2021? This is a time that Lenders and Government hold appropriate discussions to work along side each other and offer a solution to soften the blow. Watch this space! | SC |

07.01.2022 D O C U S I G N | Some lenders are now using electronic signatures to make the lending process faster. Mortgage documents for loans that fit certain criteria can now be forwarded via email directly to the borrowers to sign electronically. The documents are date and time stamped with supporting documents, terms & conditions being confirmed as viewed. Documents are received in the customers inbox, executed and returned to the lender with in hours. This process eliminates mi...ssing signatures, signing in the wrong spot which causes rework and delays. The best part especially for regional areas such as Byron Bay is how slow our postal service can be, so an electronic signing process can save days off of the settlement time. Correct personal details of the customer such as their email and telephone numbers which are cross checked add extra security to this process. A paperless process is certainly not too far away and welcomed here in my office. If you need to turn a purchase or refinance around quickly or simply need some lending advice please don’t hesitate to contact me. | Speak to an Expert | Mb 0400609916 [email protected] #byronbay #byronbaybroker #sharonclarksonmortgagebroker #mortgagebroker #northernrivers #ballina #lismore #lending #homeloans #money #interestrates #mortgage

06.01.2022 JUST LISTED ! | MYOCUM NSW 2481 This property has just come onto the Market and it belongs to a friend and colleague of mine. The views are unmatched, the property is centrally located in the Northern Rivers with a short drive to all the best and most famous destinations the area has to offer.... Expressions of Interest | A property with this caliber of quality will not be on the market for long. So book your inspection quick stix, and unfortunately the Porsche does not come with the property. If you would like to discuss any finance options for this postcode please do not hesitate to contact me. More details of the property simply follow the link. | SC | Mb: 0400 609 916 [email protected] #byronbaybroker #sharonclarksonmortgagebroker #byronbay #northernrivers #luxuryrealestate #luxuryproperty

02.01.2022 To all my Sydney clients who may be looking to move, work remotely, or buy that dreamed of holiday home right in the heart of Byron Bay. Located perfectly within walking distance to everything. Stunning Home | Byron Bay Broker https://www.byronbayfn.com.au//house-nsw-byron-bay-1p4373/

02.01.2022 Getting in ahead of the RBA decision. Some big players in the lending space have already moved in regards to reducing Variable Interest Rates. In recent weeks, this has been a hot topic with my clients around Variable Rates Vs Fixed Rates. And although the changes this week have been for select, not across the whole suit of lending products, understanding your 12-36 month plan is a better way of determining which type of Interest Rate is most suited to your needs.... Lenders need to play their part in the rebuild of the economy, but please also understand they are still a business with share holders that have different expectations from borrowers. So there is a balancing act, and the banks are independent of the Reserve Bank of Australia and 0.1 - 0.15% may simply be a gesture of goodwill, or keeping up appearances in my view. Chat with your broker around DISPOSABLE INCOME over and above your contractual loan repayment, this will give you a good idea of how much extra you can afford to pay or attribute to the mortgage, either in extra repayments, principal reductions or simply sitting in an offset account. Then the loan should be structured to maximize interest savings in this manner. | Speak to an Expert | Mb: 0400609916 [email protected]