Sandcastle Finance in Manly Vale | Financial planner

Sandcastle Finance

Locality: Manly Vale

Phone: +61 400 570 051

Address: 319 Condamine Street 2093 Manly Vale, NSW, Australia

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

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• Mortgage brokers
• Investing service
• Financial planner

25.01.2022 There are many reasons why refinancing makes sense? Are you consolidating debt to ensure your business grows through these challenging times? Are you perhaps considering refinancing to facilitate further studies? As your mortgage is your biggest expense, it makes sense to see where you might be able to save if you're not earning the same level of income anymore.... Are you looking to grow your equity with further investment properties? These are just some of our clients who have worked with us to get an outcome that suits their specific situation. Learn more here: https://buff.ly/2HbWgdY #refinance #investment #businessgrowth #debtconsolidation

25.01.2022 Happy Holidays from all of us here at Sandcastle Property and Finance. Here's to achieving some big goals in 2021!

23.01.2022 Every year businesses encounter additional expenses at this time - these need to be factored in, such as Christmas parties, staff bonuses and even additional supplies as a result of increased sales. Also take heed of any holiday pay requirement if you have staff. Check the number of trading days in December and January as it’s likely to be fewer than normal and any available cash will have to be stretched out further. Are you covered?... Need some short term funding? https://buff.ly/2MAmYyo #shorttermfunding #businessloans #businessfinance #smallbusiness #cashflow

22.01.2022 Before you get a home loan, it's more important than ever to ensure that you can demonstrate good savings habits. This means potentially paying off or consolidating high interest credit cards, loans and even hire purchase agreements. Speak to us before you get that pre-approval. Don't risk your chances of putting in an approval without a health check first. #firsthomebuyers... #homeloan See more

22.01.2022 There are quite a few things you can do to avoid the holiday cash flow crunch.. Factor in additional expenses Follow up on invoices Delay expenses... But if you’re still stuck and looking at a gap to fill, perhaps it’s time to consider business finance. If your business has a turnover of more than $6,000 per month and can demonstrate 6 months of trading for a new business, or 3 months if you have purchased an existing business, we can help you. Send us a message or contact us here: https://buff.ly/2MAmYyo #businessfinance #cashflowcrunch #cashflowmanagement #cashflowcrisis #finance #businessfunding

22.01.2022 The onset of Covid-19 may be creating a two-speed rental market, with inner-city rents declining faster than those in the outer suburbs. Corelogic data confirms that there is a positive correlation between changes in rent values and distance to the CBD. This means that the closer a region is to the CBD, the more likely it is that rent values have fallen.... Rent values were analysed across statistical area regions of Brisbane, Sydney and Melbournefor each region, the median property distance to the CBD was compared with the change in total rental market values from the end of March (which marked national, stage 2 restrictions) to the end of August. For regions where the typical property is less than 10km from the CBD, the average decline in house rents was 2.3 per cent, and 3.6 per cent across units. For rental markets 10km or further from the CBD, house rents had actually increased 0.1 per cent, while unit values declined a relatively mild 0.4 per cent. This bodes well for Northern Beaches markets. Find out more why we you can't go wrong with a home or investment on the Northern Beaches. #propertymarket #rentalvalue #investmentproperty #NorthernBeaches

22.01.2022 It’s clear to see that people want to live on the Northern Beaches and will even commute to enjoy this lifestyle. But since COVID restrictions have highlighted the ability for the workforce to be remove, more and more people are seeking the beaches over inner city properties. There has been a large increase in buyers from other suburbs such as the inner west and upper North Shore visiting open homes since Covid has forced people to work at home. Families are realising that t...hey do not need to travel into the city on a daily basis for work and are choosing places such as the Northern Beaches where travel to the city used to be a deterrent and instead opting for a lifestyle where travel time has been swapped for a lunchtime surf or a dip in the ocean. Looking for a lifestyle change on the Northern Beaches? We can help you work through your finances and secure a suitable home loan. Talk to us today: https://buff.ly/2MAmYyo #refinance #homeloan #investment #NorthernBeaches

21.01.2022 The average Sydney house price is predicted to skyrocket by $216,000 this year alone. What does this mean for your property? Can you still invest in a rising market? Contact us to find out: https://buff.ly/2TAG1gH... #homeequity #propertytprices #Sydneyproperty

21.01.2022 If you're considering putting your mortgage on hold now that banks are extending, please read this first... https://buff.ly/2UUIUHt There could be other options you might want to consider first. ... Please reach out to speak with one of our consultants. #refinance #mortgage #valuations

21.01.2022 It doesn’t cost you a cent to have your home valued. You may be very surprised by how much your property is currently worth and how much equity you may have access to. Equity can be used for almost anything ie consolidating debt which can help you save by bundling it all into your current home loan which has the lowest interest rate. There are many reasons to refinance your current home loan. Here's what our clients have done. ... https://buff.ly/2HbWgdY #refinance #propertyprices #revaluation

20.01.2022 Here, we outline 3 ways small and medium businesses can adapt to the times, and share examples of those already doing it well. 1. Keep your ‘doors open’ by going digital if you can 2. Pivot your business to new products and services... 3. Use social media to stay in touch with customers Have you also considered a COVID flexible loan to help you through the changes? These flexible loans allow SMEs to make repayments of the loan provided based on a percentage of their future sales. Contact us if you want to discuss potential scenarios.https://buff.ly/2MAmYyo #covidflexibleloans #covidloans #smallbusiness #BusinessGrowth

20.01.2022 Many Australian businesses experience their highest sales during the holiday season but for some it can be the toughest time of all to maintain healthy cash flow. Some businesses take time off over the Christmas / New Year period resulting in a decrease in production and sales. Depending on the sector, some businesses shut down completely for 2 to 4 weeks but that means having to pay wages to staff on holidays as well as keep up with other fixed costs like rent and loan repa...yments. If you’re feeling the cash flow crunch, know that business finance is an option. Speak to us today to find out how: https://buff.ly/2MAmYyo #cashflow #christmas #holidaypromotions #smallbusiness #businessfinance #businessfunding

17.01.2022 The property marketing is showing no signs of slowing down. Even if you aren't looking for another home there's still plenty you can do with the equity that you currently have. Want to do more with what you have? Let's chat. Message me for an obligation free revaluation. ... https://buff.ly/3wvm7Cv #refinance #homeequity #houseprices

17.01.2022 The time for your business to take advantage of tax deductions and get your business finance in order is at the end of the financial year. Here's why a little extra cash could help. https://buff.ly/2ZXitnm... #businessloan #taxplanning #cashflowmanagement #businessfinance

16.01.2022 As unemployment is expected to rise in coming months and with government support easing, it's clear that the ongoing deferral into 2021 is much needed, but more than ever, people need a plan beyond that. https://buff.ly/3kqnAnb #mortgages... #refinance See more

16.01.2022 Have you considered getting an investment property that you can also rent out half the time? Renting your property for 50% of the time can potentially pay your entire mortgage off at the same time. Let's work out what that looks like for you. Book your FREE consultation today: https://buff.ly/2MAmYyo... #holidayhomes #rentalproperty #payoffyourmortgage #propertyinvestment #investmentstrategy

14.01.2022 It seems you can't go wrong with Northern Beaches property. Or can you? Valuations are still trending north despite COVID. If you're wondering whether it's time to refinance or invest, do yourself a favour and find out how much you could potentially access. Find out why we're still keen on Northern Beaches investments... https://buff.ly/2PJX9vw #refinance #propertyfinance #propertyinvestment #mortgage

13.01.2022 Borrowers who have deferred bank loans for 6 months or longer will not have their credit ratings affected until at least March 2021 under new guidelines announced by the Australian Banking Association. What this really means is that you probably still have time to look around to find a better opportunity to consolidate and ensure that you're in the best financial position possible. Reach out for a chat to see if we can get you a better refinance deal.

13.01.2022 Refinancing your home loan can provide an opportunity to streamline your debt, and potentially reduce the overall interest you’re paying on multiple debts through the process of ‘debt consolidation’. It means folding several high interest debts into one lower rate debt which could be your home loan and may reduce your total monthly repayments. Talk to us to find out how much you could be saving. Send me a message or contact us here: https://buff.ly/2MAmYyo... #refinance #savings #mortgage

13.01.2022 You may have been concerned about the impact of Covid on property markets. There's lots of advice around from everyone you know and suddenly everyone is an expert in property values. Here are Sandcastle Finance, we do valuations every day for our clients. We are finding that bank valuations are still holding and if anything have increased. We do not know how long this will continue. If you are thinking about accessing equity we can organise an immediate valuation for you to see what is possible. Speak to us today: https://buff.ly/2MAmYyo

13.01.2022 Ensuring that your customers are meeting their payment terms is simply good business practice. Overdue accounts in December may not be paid until late January or possibly even later. So do not wait to invoice - as we’re getting closer to Christmas it will be more difficult to collect. January and February can be the worst months of the year for business cash flow. If you’re struggling with collecting payments and seeing a gap in funds in the near future, there’s always short... term business finance. No obligation. Worth a chat to see if you’re eligible for a quick approval. https://buff.ly/2QzaRT4 #businessfinance #invoice #smallbusiness #paymentterms #cashflowcrunch #cashflowcrisis

13.01.2022 Property investment can be simple but it's not easy as most property investors fail to build a sufficiently large property portfolio to provide them with substantial retirement income. Most treat it as a hobby or have no clear strategy with unrealistic expectations. With the property market so hot at the moment, if you're interested in working towards building a property portfolio, you need to have a clear strategy to get ahead. ... #investmentproperty #propertyportfolio #investmentstrategy

13.01.2022 Growth opportunities and unexpected challenges pop up when you’re running a business. As the end of the calendar year comes round we see many businesses needing extra funds. Timing can make all the difference. Are you in need of $5,000 to $300,000 within the next 24-48 hours? ... Can you demonstrate that your business has a turnover of more than $6,000 per month? And at least 6 months of trading for a new business? Are your circumstances a little different or unique? Come and have a chat to us about how business finance might be able to help https://buff.ly/2QzaRT4 #businessfinance #cashflowforecast #businessturnover #cashflowshortfall #cashmanagement #businessloans

12.01.2022 There are incentives for teachers that could potentially help you save on your mortgage today. We know you don’t have time to consider all the options so we’ve done the heavy lifting for you. Contact us today to see how much you could be saving on your home loan. https://buff.ly/2MAmYyo... #teachers #inventives #homeloans

11.01.2022 Did you know we can help with business financing as well? Access our Quick Guide to Short Term Business Loans. https://buff.ly/2C57Rcm... We understand that businesses can have short term challenges and need some quick cash to help them cover the shortfall. Let us help. #businessfinance #shorttermloans #cashflowmanagement #cashflowshortfall

09.01.2022 Many of the big 4 banks have lowered their fixed rates to below 2% which is unprecedented. Even if you’re currently on another fixed rate, there may be benefits to switching. You could be switching to another fixed rate to lower your repayments or take advantage of a lower variable rate as you can see that the risk that rates may rise in the near future are going to be low. Refinancing will also enable you to consolidate your debt and potentially reduce overall interest pay...ments across multiple other personal loans. Talk to us today to consider your options. https://buff.ly/2MAmYyo #fixedrates #refinance #variablerates #interestrates

09.01.2022 Have you considered the possibility you could get some cash back by Christmas from your home? https://buff.ly/3lVGRhk #cashback... #mortgage #homeloan #interestrates #refinance See more

08.01.2022 There are many stories of clients just like Lisa and Brett. Whether you’re consolidating debt or simply looking at getting a better rate and saving on your biggest expense, we can help you consider your options. https://buff.ly/36KaBZE... #refinance #interestrates #propertymarket #homeloan

06.01.2022 One of the key reasons home owners choose to refinance their loan is to secure a lower interest rate and reduce their monthly repayments. However, refinancing can come with some costs, so it’s essential to weigh up the savings of refinancing against the expense involved. But don't forget it's not all about the rate. You may wish to explore a loan that includes:... Flexible repayments Making extra repayments at no additional cost to help pay off the loan sooner. Repayment holiday A break from repayments or reduced repayments to cover career changes or breaks e.g. maternity leave. Offset account Having a savings or transaction account linked to your loan. The balance of the linked account is deducted from, or offset against, the balance of your loan when the monthly interest charge is calculated. Redraw facility Enabling you to withdraw any additional repayments you have made on your loan. Handy if you need cash in an emergency. Flexible rate options Dividing your rate between fixed and variable components, or even making interest-only payments for a period. Loan portability The ability to take your loan with you when you move from one home to another without the expense and hassle of arranging a new loan. There are also good reasons to consolidate debt now or access equity in your home for further investment opportunities. Find the right home loan to meet your lifestyle needs. Send us a message or contact us today: https://buff.ly/2MAmYyo #refinance #homeloan #mortgage

06.01.2022 Is now the right time to refinance? We can usually help you work it out but you can do some quick sums first to save you the time Do you have more than 20% equity in your home?... Is your income likely to stay the same or will it rise very soon? Are you able to keep making your current monthly home loan repayments? Is your current rate at least 0.5% higher than the banks’ current rates? Are you keen to activate more savings? Are you happy to move all your accounts to the one bank? If you answered yes to all these you stand to save more by refinancing subject to confirming if any break fee and other finance charges might apply. If you would like us to double check for you, contact us today: https://buff.ly/2MAmYyo Don’t forget some banks are offering up to $4000 cash back to make it worth your while. #saveonyourhomeloan #refinance #cashback

05.01.2022 With property markets soaring and economists warning of future rate rises, now is the time to ensure that you have the best rate. https://buff.ly/3vPznka #propertymarket... #risinginterestrates #propertyfinance #refinance #bestrate See more

04.01.2022 Sydney's auction market remains strong clearing well over 90% of auctions in many parts of the city. If you have missed out it's because there's extremely strong demand for houses in Sydney, particularly in the inner and middle-ring suburbs. Why not look for an investment property outside of Sydney? A suitable property you could also utilise as a holiday rental to help you pay off your mortgage. Let's get you into the property market sooner and borrowing wisely to help you g...row your property portfolio. Book in for a free consultation today: https://buff.ly/2MAmYyo #investmentproperty #propertyinvestment #propertyportfolio #holidayrental #investmentstrategy

02.01.2022 With some banks offering up to $4000 to refinance, it could be the perfect time to get a better deal on your home loan. https://buff.ly/2MOc2fB #refinance... #homeloans #lowinterestrates #variablerates #fixedrates See more

02.01.2022 Are you a nurse or front line worker risking your health saving lives of strangers everyday? Well we believe you deserve to be rewarded. And some banks agree with us too! There are incentives for nurses and other health care workers. ... Find out how to qualify and save on your mortgage today. Book your no-obligation complimentary call. Click here to find a time that suits you: https://buff.ly/2ZdSt3l #nurses #inventives #healthcareworkers #refinance #mortgage

02.01.2022 Is it time to get your home revalued? With soaring house prices, it's likely you have more equity in your home than you realise.

01.01.2022 Investing in a holiday home is actually a fantastic strategy to have a rent-free holiday whenever you want to. Depending on the extent of the mortgage, you could rent it out half the time and be able finance the mortgage whilst still enjoying holidays at the property for the other half of the time. Interested? Let's work out what that might look like for you. Book your COMPLIMENTARY consultation here: https://buff.ly/2MAmYyo #investmentstrategy #holidayhomes #AirBNB #investmenthomes

01.01.2022 "Should I continue to put my mortgage on hold?" We have been getting this question a lot. If you do not have the means of making your next mortgage repayment, my answer would be yes. ... However, if the business has only slowed slightly and you have money, either in redraw or offset then it’s probably not going to be in your best interest to put your mortgage on hold. In this case, I would strongly suggest otherwise. Remember what you are saving in interest right now you will be re-paying for the next 2 -3 years into the future. Here is a calculator that will show you the real implications of putting your mortgage on hold. https://buff.ly/3iGb8zb Give it a go and see what you think. The answer might be quite a surprise! If you don’t put a hold on your mortgage, what other options have you got? Firstly have you considered refinancing? There’s a small window of opportunity now to refinance under relatively favourable conditions. Contact us to find out more. #refinance #mortgagecalculator #mortgagedeferral