Smart Select Home Loans in Mango Hill | Loan service

Smart Select Home Loans

Locality: Mango Hill

Phone: +61 422 586 193

Address: PO BOX 907 North lakes QLD 4509 4509 Mango Hill, QLD, Australia

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

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23.01.2022 Happy mother's day to all the amazing mothers out there.. hope you get spoiled well today Smart Select Home Loans #Happymothersday

23.01.2022 https://m.facebook.com/story.php?story_fbid=1835820176434068&id=144711068878329

22.01.2022 FREE home loan service for first home buyers APPLY FOR Preapproval today! We have helped many first home buyers like yourselves purchase their own home and we can help you too!... Click below and get in touch with our home loan expert today!

22.01.2022 $, .. Take advantage of all-time low-interest rates and start saving on your home loan. For more information, simply send us a message or give us a call on 0422586193... *Terms, conditions, fees and charges apply! *This Comparison Rate is for secured loans of $150,000 over 25 years based on monthly repayments, including minimum package discount

21.01.2022 Merry Christmas :) #christmas #merrychristmas #festiveseason

21.01.2022 Merry Christmas to all

20.01.2022 --- New first home buyer scheme starting from Jan 2020 --- Just posting this news article which may interest future first home buyers. When the election is just around the corner, both parties are desperately trying to win the confidence of the Australian public and first home buyers was one of the main focuses of this years election. Just to cut long story short, what liberal party has announced today is from 1st of January 2020 the government would launch a scheme for firs...t home buyers where, if they have 5% deposit saved for first home purchase, government would provide a guarantee for other 15% to assist first home buyers to get into the property market sooner. Some FAQs answered for better understanding of this scheme: Q: Would this be available to any first home buyers? Answer: This scheme will be available to first home buyers with an income of up to $125,000 for a single or a couple with $200,000 where they are both first-home buyers Q: Would these loans be funded by the government or the banks? Answer: The banks would continue to fund these loans; the government would only provide a guarantee so that you dont have to pay the lenders mortgage insurance. For instance, you are looking to purchase a property worth 500k and you only have 5% deposit which is 25k, the government would offer the guarantee for another 15% so that the loan is not subject to LMI. Your total loan would still be 95% of the purchase price however due to government guarantee, no LMI will be paid by the borrower. Q: Can I refinance my loan even if I have government guarantee under the new scheme? Answer: You can still refinance to a different lender, the new lender would request the valuation and if the loan amount is 80% or below at the time of refinancing, the guarantee would be removed, and the loan would be fully secured by your house only. Q: Can I convert my house into an investment property while the guarantee is still on the loan? Answer: Since this scheme is specifically designed to help first home buyers, you can not rent it out until the guarantee is ceased Hope the information helps some of you If you have any questions, please feel free to PM or call me on 0422586193. https://www.9news.com.au//ca112354-79f4-4505-ad17-0ca29135

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19.01.2022 Wishing you a very happy Australia day #australiaday #aussie

18.01.2022 RBA cash rate drops to 1% ----------------------------------- The RBA interest rate announcement and Australian Housing Affordability report coincide, as rates drop ... The recently published ANZ-CoreLogic Housing Affordability Report shows how housing affordability and Reserve Bank announcements are linked. Despite being released in June, prior to this month's RBA announcement that they were dropping the official cash rate to 1.00%, data published in the report signifies how housing affordability is a crucial driver of monetary policy. Read the full commentary here: .................................................. https://www.rba.gov.au/media-releases/2019/mr-19-18.html

18.01.2022 https://m.facebook.com/story.php?story_fbid=10156845041612709&id=80836222708

18.01.2022 What do you say about this?? https://www.news.com.au//news-story/60968232f28f788efea7b8

17.01.2022 Not sure what's gonna make your weekend better!! Check out our refinance offer below which would certainly make you feel better as its got Low rate - 3.55%... Unlimited free redraws No ongoing fees Click below to get in touch with our home loan expert today!

17.01.2022 Are you a first home buyer? If you are buying a home for the first time, there may be many questions going through your mind, such as - How much can I borrow?? Which bank is right for me?? What should I look for in a home loan?? ... Whats the process of getting a home loan?? How much deposit do I need?? etc. Well, you are not alone, most first home buyers find it difficult to figure out the answers to all of the above. Simply get in touch with us by clicking "Send Message" tab below and we will get in touch to assist with your enquiry!

16.01.2022 May the glory and glamour of womanhood be abundantly bestowed upon you. Happy Women’s Day!

15.01.2022 May success knock on your door this year May all your joys multiply May you find joy and love and light In this new year 2021

13.01.2022 May the glory and glamour of womanhood be abundantly bestowed upon you. Happy Womens Day!

13.01.2022 We all make them.. what we don't know though is, its ok to make mistakes #motivationalmonday #smartselect #greatrates

13.01.2022 First home buyers can now purchase their first home with the deposit as low as 5% IR 2.79% CR 4.12% $2,000 cashback No Lenders mortgage insurance... Government guarantee Incentives for first home buyers Lower repayment $15,000 First home owner grant for newly constructed home Talk to our mortgage expert today to find out whether you are eligible. 0422586193 *IR = Interest rate *CR = Comparison rate *Eligible first home buyers only! *Terms, conditions, fees and charges apply

12.01.2022 We are grateful to have clients like you who are a pleasure to deal with.. We wish you a New Year as cheerful and happy as you are!!

12.01.2022 Dreams for many first home buyers is about to become a reality.. One of the banks has released a report this afternoon which says the lender would now assess the home loan applications at the floor rate of 5.50% which used to be 7.25%. The reduction in the assessment rate would help those home buyers with lower household income to enter the property market and borrow their desired loan amount to purchase a home. If you would like to have your borrowing capacity assessed with the new assessment rate, give us call on 0422586193

11.01.2022 Looking to purchase your first home but don't know where to begin? If you are buying a house for the first time, you may questions such as: How much can I borrow... Which bank is right for me How much deposit do I need How can I use first home owner grant We have helped hundreds of first home buyers get in to their own home.. Click on the link below and get in touch with our mortgage expert today!

10.01.2022 Housing Loan Interest Moves Independent of RBA Despite Holding Pattern Australian inflation, which the Reserve Bank of Australia aims to control with monetary policy, is likely to remain low for some time. As a result, economists estimate that the official cash rate wont move for up to 19-months. However, lenders appear to have other ideas as the housing market continues to fluctuate. Click on the link below to read full commentary:... https://www.rba.gov.au/media-releases/2018/mr-18-16.html

10.01.2022 From us here at Smart Select Home Loans, we pause to remember those who fought on conflicts overseas this Anzac day.. #LestWeForget

09.01.2022 We all have these special ones in our life.. tag the friends who have touched your heart! #motivationalmonday #friendsforever

08.01.2022 ------------------------------------------------ RBA Cuts Cash Rate to 0.25% ------------------------------------------------ In another historical moment the Reserve Bank of Australia (RBA) has announced that they will be dropping the official cash rate to a new record low, 0.25%.... The move follows the Reserve Banks last record breaking cut only two weeks ago, in an effort to boost the global economy and ease monetary tensions for Aussies. In a statement issued on Monday, RBA Governor Philip Lowe explained that in order to combat the current global situation "financial regulators and the Australian Government are working closely together to help ensure that Australia's financial markets continue to operate effectively and that credit is available to households and businesses".*

07.01.2022 RBA cuts the cash rate to record low 1.25% Unemployment rise forces Reserve Bank of Australia's first cash rate movement in more than two years The Coalition winning the Australian federal election not only came as a surprise but also meant that Australians dodged negative gearing changes - a move that many financial and property experts predicted would have a profound impact on housing investment.... The official cash rate dropped to 1.25% as: Consumer price inflation hovers around 1.2%; The Australian dollar fell to 69.12 US cents; Unemployment increased to 5.2%; Housing price declines stabilize; and Home lending continues to cool. https://www.rba.gov.au/media-releases/2019/mr-19-15.html

06.01.2022 ****** 2020 ******* The New building grant has today been announced. The home buyers looking to build their home or those looking to renovate or extend that involves significant construction activity would be eligible for $25,000. Please read the article below for more information. If you have any questions, please do not hesitate to reach out to us on 0422586193... For full details, please check out the article below: https://www.abc.net.au//government-coronavirus-co/12317786

04.01.2022 #NO #DEPOSIT!! #NO #PROBLEM!! If you are a first home buyer, you may be able secure a home loan that requires low or absolutely zero deposit.... Call us today on 0422586193 to find out how you can get a loan without a deposit

03.01.2022 In a historical moment, the RBA has announced that they will be easing monetary policy, dropping the official cash rate to a new record low, 0.50%. The move is believed to be a direct response to Januarys unemployment figures, as well as the on-going economic impact of the Coronavirus outbreak.... Despite todays decision, future rate cuts are still within sight with many economists believing quantitative easing is a very real possibility before the end of 2020. Click here for full commentary: https://www.rba.gov.au/media-releases/2020/mr-20-06.html

03.01.2022 Borrowing capacity for future home purchasers is about to increase Thanks to APRAs new directive ------------------------------------------------------------------------------ If you have always wondered why can you not borrow more even if your income is good and the repayment of $500-550/week seems affordable, its because the banks use an assessment rate to assess your home loan application, therefore, even if the current home loan rate is 4% the banks would assess your ...application at 7.25% with 2.25% rate buffer and that is whats about to change. APRA has recommended that the banks set their own assessment rate for the new loans they write. Many banks look at this initiative as an opportunity to acquire more business which was apparently affected after royal commission findings. What this means for most home buyers buying a property is, obtaining a home loan for your dream home may be slightly easier once the new formula is implemented and adopted by the banks. For more information, please click on the news report below, alternatively, call us on 0422586193 for any queries!! https://www.smh.com.au//apra-moves-to-scrap-7-percent-mort

03.01.2022 Good news for those planning to build in next 6 months.. home builders grant has now been extended to 31st March 2021!!! https://treasury.gov.au/coronavirus/homebuilder

03.01.2022 - ! The RBA has announced the cash rate will remain on hold, two months on from when it was lowered to a record of 0.75%. As expected, there have been tangible impacts on the housing market, however, consumer spending has remained stagnant. The cash rate was maintained with the intention of gaining a clearer understanding of the effects of monetary easing. Yet experts believe that we may be at risk of deeper economic turmoil. Many are calling for the government to take action and implement tax cuts, as it is feared that low-interest rates alone will not be able to revive the economy.

01.01.2022 5% ... . . 0422586193

01.01.2022 Christmas is full of beautiful things that marvel us but the most amazing of all is the opportunity to feel and share the love that fills lives. Merry Christmas from Smart Select Home Loans team!