Shiva Karan, Smartline Personal Mortgage Advisers | Finance

Shiva Karan, Smartline Personal Mortgage Advisers

Phone: +61 449 831 783

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24.01.2022 Ever wondered what type of commercial properties I can help you secure a loan for? Here are a few. If you'd like to discuss your unique situation, please give me a call or email me on [email protected]

24.01.2022 The federal government’s announcement of its HomeBuilder stimulus package was met with enthusiasm and excitement, however, a lack of information has fuelled some confusion around the finer details. Here, we will clarify some of the common misconceptions around how to apply for the grant, how it can be used and when the money will become available. ow.ly/4VVl102lNE1

23.01.2022 Recent data from realestate .com .au shows enquiries made to residential agents recently increased on the back of the Federal Government’s Homebuilder stimulus announcement. ow.ly/iT92102jyCX

21.01.2022 With interest rates remaining at all time low, making decisions that are right for your situation in this financial climate are paramount. Whether you want to free up cash for renovations, purchase an investment property or are thinking about accessing equity in your home, I can assist and guide you. Give me a call or email me on [email protected] to discuss your situation.

16.01.2022 RBA has just announced a historic rate cut! The cash rate has reached a new record low of 0.10%. Find out what this means for you if you have an existing home loan and also what it could mean for you if you're a first home buyer. ow.ly/S0hb102r2jj

16.01.2022 For those of you celebrating, I'd like to wish you a Happy Diwali. May the happiness that this season brings brighten your life, bring you luck and fulfill all your dreams.

15.01.2022 Find out what the five key trends in the property market are as lockdown 2.0 puts industry on edge. ow.ly/IIat102j6bg

14.01.2022 What is LMI? You may have to pay for lenders mortgage insurance (LMI) if you borrow more than 80% of the value of your property. LMI protects the lender if you default on your loan and the sale of your property doesn’t cover the value of the mortgage. ... Be aware, LMI doesn’t protect you as the borrower. If you’re having trouble paying off your mortgage, there is ‘mortgage protection insurance’.

14.01.2022 Planning ahead can help ease the stress when unforeseen circumstances arise. Strategies like: building a buffer, sticking to a budget or consolidating debt are all ways you can make sure there is some money put away for a rainy day.

13.01.2022 Thinking about buying your first home? Here is a snapshot of the home loan application process. I can take you through the home loan process, step by step, helping you get into your dream home sooner. ow.ly/ZBvG102lYf4

13.01.2022 Is your mortgage deferral coming to an end? As we approach the six-month mark from the date deferrals commenced, around half of these loans are due to be assessed by lenders to determine whether these customers will be granted an extension of their deferral. Remember that putting your loan on hold increases the overall cost of your loan. This is because you are still incurring interest during the deferral period and this interest will be added onto your principal, increasing... the total interest you pay. This means that if you can start making your repayments even if you can only make partial repayments or interest-only payments you should try to make it happen, as it will ultimately cost you less. You need to contact your lender to discuss your options and the implications of your choice; however, please feel free to contact me to discuss a refinance or any other borrowing concerns. Feel free to call or email me on [email protected]

10.01.2022 When you're starting the process of buying a house, it's hard enough trying to find a property, let alone secure a loan too. And then throw in the mix first home buyer grants and schemes - there is so much to be aware of. The good news is, I can help simplify all of that for you, find out what you're eligible for and help you through the entire process. If you'd like to make buying your first home easier, give me a call or email me on [email protected]

08.01.2022 Things are changing in the home loan market quite quickly and with the introduction of new grants, schemes and opportunities for first home buyers, it can be a little overwhelming. If you'd like someone in your corner who can provide expert advice, I'd be happy to have a chat. Feel free to give me a call or email me on [email protected]

08.01.2022 Some people want to buy a house because they see potential in it. They buy it and upgrade it to meet their needs. Others buy a vacant block or an old house on a large block of land to build their dream house or to develop. Whatever your situation, there are a lot of things to take into consideration. I'm here to help you, so you can focus on building your dream home. Feel free to call or email me on [email protected]

06.01.2022 Nerida Conisbee, Chief Economist at REA Group, explains what the stage 4 lockdown means for real estate in Melbourne. ow.ly/oDA2102kvT3

06.01.2022 Reviewing and consolidating your loans can make managing your finances more convenient and potentially save money, helping you become debt free sooner. If you'd like to review your situation and find out if you could pay off your mortgage sooner, please give me a call or email me on [email protected]

04.01.2022 The current housing market conditions can at best be described as uncertain. While data does show a moderate decline in property prices, it also shows that the number of vendors willing to sell (new listings) has been increasing, transaction volumes have lifted and enquiries to new-home builders and sales offices at new housing estates have increased. Find out what Cameron Kusher, Executive Manager Economic Research at REA Group, has to say about the latest property data. ow.ly/pgnP102leoT

04.01.2022 As part of the COVID-19 recovery plan for NSW, the state government has granted more first home buyers a reprieve from paying stamp duty on their new home. This change is expected to help more than 6000 Australians afford to buy a new home. ow.ly/eONi102kiXC