Serena Jeanneret in Brisbane, Queensland, Australia | Mortgage brokers

Serena Jeanneret

Locality: Brisbane, Queensland, Australia

Phone: +61 421 999 261

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• Financial service
• Loan service
• Mortgage brokers

25.01.2022 If youre spending more time at home lately, you might be in for an unexpected shock when you get your next energy bill. https://www.abc.net.au//how-to-deal-with-energy-b/12398138

24.01.2022 Since we are all spending more time at home due to COVID, how often are you washing your bed sheets? https://www.bhg.com.au/how-often-should-you-wash-bed-sheets

23.01.2022 With interest rates at an all-time low, and many lenders fixed rates lower than their variable options, locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one. Fixed-rate loans usually come with a few provisos: borrowers may be restricted to maximum payments during the fixed term and can face hefty break fees for paying off the loan ea...rly or switching to variable interest during the fixed-rate period. However, locking in the interest rate on your home loan can offer stability. Fixed rates are locked in for an amount of time that is prearranged between you and your lender. In addition, you might consider the possibility of arranging a split loan. This option allows you to split your loan between fixed and variable rates either 50/50 or at some other ratio. This can allow you to lock in a fixed interest rate on a portion of your loan, while the remainder is on a variable rate which may give you more flexibility when interest rates change and potentially minimise the risks associated with interest rate movements. Be aware that at the end of the fixed-rate term, your loan agreement will include information about how the loan will then be managed by the lender, usually to a revert variable rate which may not be the lowest the lender offers. We understand that each persons circumstances are unique. If you want more information on what type of loan might best suit your circumstances, please send us a message.

23.01.2022 Increasing your cars fuel efficiency can help your bank account and the environment. Heres how you can start. https://www.abc.net.au//driving-tips-to-save-mone/12566182

23.01.2022 Does pausing payments affect your credit score? https://www.moneymag.com.au/payment-pause-credit-score

23.01.2022 Pro tips for a healthy mouth from the Australian Dental Association and our team at Astute Simplicity Health.

23.01.2022 Further relief for those in need. If you have any questions or concerns about your loans, or what assistance might be available - please contact us.

22.01.2022 Millions of households face higher energy bills this year as a result of stay-at-home orders, but there are ways to soften the blow. Here are three ways to prepare for a larger energy bill. https://thenewdaily.com.au//23/energy-bill-shock-coronavi/

21.01.2022 After its meeting today, the Reserve Bank of Australia has left the official cash rate unchanged at 0.25%. Read more about the decision here: https://www.rba.gov.au/media-releases/2020/mr-20-17.html Were experts in helping you find the interest rate, product, features and flexibility you need for your mortgage, from a wide range of lenders. If you have any concerns about your loans, or your circumstances have changed and you would like a chat, please contact us. Were here to assist and provide any guidance we can.

21.01.2022 Spring is just around the corner so that means spring cleaning is in order! Here are some tips to help get you started. https://www.homestolove.com.au/how-to-spring-clean-your-hom

21.01.2022 Creating new habits is hard. With these three simple steps you can be underway to building good financial habits in no time. https://www.moneymag.com.au/retrain-brain-bad-money-habits

19.01.2022 Were with you throughout your life, providing financial solutions to suit your unique circumstances.

16.01.2022 At its meeting today, the Board decided to maintain the current policy settings. Read more about it here: https://www.rba.gov.au/media-releases/2020/mr-20-18.html And remember if you need a hand with your loans, or just an ear to chat, let us know

16.01.2022 Call, email, or message us for more information.

16.01.2022 Want that new CAR?!

16.01.2022 Have you heard of the term negative gearing before? In this video, David explains this term and why we at REIF prefer properties that have the potential to b...e positively geared . . . . #property #education #educationvideo #investmentips #investment #strategy #help #helpingothers #finance #REIF #gearing #positive #negative #wealth #support #doingourpart #wealththroughproperty See more

16.01.2022 Here are 7 ways to ensure over spending isnt your undoing. https://www.moneyandlife.com.au//dont-let-overspending-be/

15.01.2022 Selling your unwanted stuff online is a great way to earn extra money and reduce waste. What have you sold online? https://www.moneymag.com.au/how-to-make-money-selling-stuff

15.01.2022 Do you know how much money you need to save by every age to retire happily? https://www.lifehacker.com.au//how-much-should-you-have-s/

14.01.2022 There are five kinds of shoppers that have emerged since COVID-19: Which one are you? https://thenewdaily.com.au//coronavirus-shopping-five-typ/

13.01.2022 Worried youre paying too much for health insurance? Contact us today to get a quote from our dedicated team who will make sure that you have the cover that suits your lifestyle and budget.

13.01.2022 How to make a face mask without a sewing machine https://www.lifehacker.com.au//face-masks-without-sewing-/

12.01.2022 Do you have any tips on how to deep clean your house? Do they differ to everyday cleaning? https://www.bhg.com.au/how-to-deep-clean-your-home

10.01.2022 Do you know anyone who is on the JobKeeper payment? https://www.lifehacker.com.au//why-some-jobkeeper-recipie/

09.01.2022 Today is the first day of the new financial year and with it comes major changes to Australians personal finances. There are a number of new policies affecting everything from wages and superannuation to parental leave and taxation. Heres some information on what to expect and if you have any queries, please contact me. https://thenewdaily.com.au///06/30/july-1-changes-finance/

09.01.2022 How to ensure you arent making these 5 common financial mistakes. https://www.moneyandlife.com.au//5-common-financial-mista/

08.01.2022 "The Reserve Bank of Australia has flagged keeping the official interest rate at a historical low for the next three years." With these incredibly low interest rates, nows a great time to review your loans. Send us a message to find out more.

08.01.2022 Here at REIF, we are here to help you with all your refinancing needs. In this video, David explains the different types of refinancing that we can help you wit...h to ensure you're getting the best deal for you If you haven't had your loans reviewed in two years, please reach out. We offer free no-obligation consultations with our finance specialists. 1300 130 932 [email protected] / or send us a message . . . . #homeloan #carloan #businessloans #review #refinancing #finance #financespecialists #mortgagebroker #money #wealth #savings #helpingothers #REIF #life #helping #banks #assets #loans

06.01.2022 Are you planning to take advantage of the new HomeBuilder scheme? Here are six ways to ensure the scheme helps consumers, the climate and the economy. https://theconversation.com/renovation-rescue-6-ways-to-ens

06.01.2022 Does home insurance cover you for storm damage or coastal erosion? https://www.moneymag.com.au/home-insurance-cover-storm-dama

05.01.2022 If you decide to continue working from home after the pandemic, do you know if it is good or bad for your health in the long run? https://thenewdaily.com.au//2020/07/12/work-from-home-pros/

05.01.2022 Some plants can be really harmful to your pets. So if youre headed out on the weekend for new indoor plants, here are six pet-friendly ones you might want to try.

05.01.2022 Caravan and campers are more popular than ever with restrictions to travel. If you need finance for your new purchase, we can help get you preapproved so you can shop with confidence.

04.01.2022 Today is #RUOKDay. Its a simple question, but just asking it could lead to a conversation that changes someones life. Learn how to keep the conversation going at www.ruok.org.au.

04.01.2022 Thank you Anthony!

02.01.2022 Keen to save money on your domestic or business insurance? Want to ensure you have the cover you really need with the assistance of our qualified General Insurance Brokers? Contact us today.

02.01.2022 Comparing apples with oranges doesnt make sense. To make finding the right loan easier, and to make advertised rates as transparent as possible, we have comparison rates. Youre looking for a great mortgage deal and you see an ad 3.8% INTEREST!, underneath that is 7.9% comparison rate. What does this mean? What is a comparison rate? A comparison rate aims to indicate the true cost of a loan.... A comparison rate is designed to help you understand the overall cost of a loan based on several relevant factors, rather than just the interest rate. Each comparison rate is calculated using a standard formula: Amount of the loan ($150,000) Interest rate Loan term (25 years) Repayment frequency Fees and charges such as Establishment, Valuation, Exit Costs, Mortgage Documentation and Settlement fees It also takes into account loans with a lower introductory rate that revert to a different interest rate after a set period of time. Why its important The goal is to help you make a more accurate comparison when considering different loans. Ensuring all lenders use a standard formula comparison rate makes it much simpler to hold two loan products side by side and see at a glance which one is the better deal financially. Why you need to be careful While comparison rates can be a good starting point, theyre not the only thing to consider. If your loan is going to be for $900,000, the comparison rate for your loan could be vastly different to the standard one. Loan features and benefits, short and long term goals, and product flexibility are just some of the other factors that need to be taken into account. Comparison rates are a very handy tool. Its important, however, to look at a rate that is specific to your circumstances. One of our friendly Finance Brokers can do exactly that for you, and also ensure your goals, lifestyle and personal circumstances are considered before taking a loan. So why not contact us today to compare?

02.01.2022 We often only pay attention to student debt at tax time when we are reviewing our tax returns. Heres a bit more about how it all works.

01.01.2022 Property auctions are full of terms that can easily confuse the uninitiated. Youve got dummy bids, vendor bids, proxy bids and more. Heres a glossary of auction terms you should know before you start bidding. https://www.moneymag.com.au/glossary-auction-terms-definiti

01.01.2022 Budgeting isnt always easy. What are your tips to budget effectively? https://www.abc.net.au//the-anti-budgeting-way-to/12445280