Smartline Personal Mortgage Adviser, Michelle Schaafsma | Finance

Smartline Personal Mortgage Adviser, Michelle Schaafsma

Phone: +61 488 858 056

Address: Westmore Drive 2125 West Pennant Hills, NSW, Australia

Website: www.smartline.com.au/michelles

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25.01.2022 Last week, the Reserve Bank of Australia made the unprecedented move to slash the cash rate to 0.25% the lowest in Australia’s history as part of a comprehensive package to ease the economic blow of COVID-19. Do you know if your lender has passed on the interest rate cut to you? Give me a call if you would like to make sure you’re on the most competitive interest rate. You could potentially save money during this difficult time. 0488858056.

25.01.2022 What beautiful clients. Thank you Kitha and Richard for the flowers and bubbles - it was a pleasure helping you achieve your goals.

25.01.2022 Lest we forget...

25.01.2022 Have you reviewed your home loan lately? Not only could you take advantage of the low interest rates, but you could potentially qualify for a cash back bonus of up to $3k when you refinance. Give me a call to find out more.

24.01.2022 Worried or wondering what is really happening with rent? The states and territories have announced their own relief measures to help safeguard struggling renters, as well as landlords. Here’s a look at what each is doing to support both residential and commercial tenancies during the coronavirus crisis. ow.ly/6MjE102euHy

24.01.2022 Are you wondering if Coronavirus affect your property??

24.01.2022 Time for some Merry Christmas creativity! Maybe accompanied by a glass of bubbles too?

23.01.2022 Need some great cost effective Chrissy and summer fun ideas - read this quick blog.

23.01.2022 "Open banking" is a new buzzword you've probably heard floating around. Find out what it is and what it means for you here. ow.ly/AtQs1021wCL

22.01.2022 I'm here to help when you need help. Call for a confidential chat or online virtual meeting. 0488 858 056.

22.01.2022 While the COVID-19 pandemic has created uncertainty about when life will return to normal, there’s a heartwarming new movement emerging seeing neighbourhoods connect in new and often virtual ways. ow.ly/x94d102ebfo

22.01.2022 Last Chance - Get In It to Win It $5,000!! For your chance to win, simply complete the entry form by 11:59 pm AEDT, 3 December 2019. To enter and for more information to go - ow.ly/kuue1020nb8

21.01.2022 Will property values rise in 2020? Should we feel cautiously confident? Check out this quick read.

21.01.2022 The RBA has announced that the cash rate will remain on hold at the historically low rate of 0.25%. If you have any questions about your home loan interest rate or the changes in the market, please feel free to give me a call. ow.ly/jNVm102ieHS

21.01.2022 Smartline supports The Raise Foundation supporting at-risk youth - love the work they do and the help they offer. https://www.youtube.com/watch?v=j7qGNXY6ei4&feature=youtu.be

20.01.2022 5 Tips to help you to long term property success.

20.01.2022 Your credit rating may not seem like a huge priority right now; however, it’s important not to let it slide by neglecting your financial commitments. Taking a few extra steps now to check in on where you stand could save you years of pain. ow.ly/bP4w102ieHW

20.01.2022 Is working from home a 'pain in your neck?' Check out this quick useful advice.

20.01.2022 Happy Australia Day. I hope you have wonderful day.

20.01.2022 Are you dreaming of up-sizing? If your family is outgrowing your existing home, I can help you get into your next home. Give me a call to discuss.

19.01.2022 Auctions are back in business. So, how do you pay the deposit if you are the auction winner?

19.01.2022 Is renovating on your wish list but wondering if you can afford it? Call me on 0488 858 056 for a complimentary discussion about your particular needs. I've just finished my own renovations so I'm happy to talk with you about financing your renovations. Let's talk, Michelle

18.01.2022 Amid the financial uncertainty, banks and other lenders have changed the way they assess borrowers, in some cases, making it even more difficult to get finance to purchase a home. If you're looking to get a new loan or refinance your existing loan, it’s important to understand how lending practises are changing due to COVID-19. ow.ly/u4NT102gl0H

18.01.2022 Are our homes "As safe as houses" ... as the saying goes. Listen in to find out.

17.01.2022 Managing money as a couple can be tricky. This quick 3 minute read may help you along the way to success!

16.01.2022 If you're looking to buy a car but can't get to a dealership because of the COVID-19 restrictions, why not consider our car buying service. You won't need to leave your home or visit a dealership. We will negotiate a great deal for you and organise the finance. And the best part is, the car will be delivered to your home. Give me a call if you need help buying a new car in this current environment.

15.01.2022 Looking for a Budgeting App? Check out these options :)

15.01.2022 5 Helpful Tips to Boost your Home Loan Borrowing Capacity

15.01.2022 Cameron Kusher - Executive Manager Economic Research for REA Group, provides the latest property market update and the impact COVID-19 is having on the property market. ow.ly/kRkY102dujz

15.01.2022 Where to buy? In a Bridesmaid suburb or in the AA-grade suburb?

14.01.2022 Looking to buy or sell property in the Spring? This is a great quick read.

14.01.2022 Happy Father's Day to all of the amazing Dads out there!

14.01.2022 How will life under our Recession look?

13.01.2022 It has been confirmed that COVID-19 loan repayment deferrals will not impact a borrower’s credit rating. This is good news for home owners and will come as a relief to many people. If you would like more information or want to discuss your home loan repayment options, I'm here to help. Please feel free to give me a call.

13.01.2022 Now is a great time to Share Happiness wherever we can. :)

13.01.2022 Merry Christmas to all - it's been a difficult year with an unexpected end so if you're lucky enough to be spending today with your loved ones I hope you enjoy a day filled with love, laughter and food...

12.01.2022 Need help with Property Finance? Meet my client Andy and see how I helped him with his home loans. I can help you too!

12.01.2022 This is amazing! Despite the chaos of the pandemic, all capital city property markets aside from Melbourne actually experienced an increase in values over the year. Property in Melbourne finished down by only 1.17% for the year and is expected to make a full recovery, and then some. There are a number of positive indicators for a strong rise in property values this year. Find out what they are here. ow.ly/gV5f102wJDA

11.01.2022 Wondering if the bank will still lend to you? Read on and find out how you can put your best loan application forward.

09.01.2022 Is your home loan on a competitive interest rate? With the cash rate at an all-time low 0.50%, there's no better time to review your home loan and make sure you're not paying too much. Give me a call today.

09.01.2022 5 pointers for helping to secure your investment properties financial future.

08.01.2022 Are you interested in finding out what will happen to property prices during the COVID-19 restrictions? Nerida Conisbee, Chief Economist for REA Group, presents the latest update for Smartline. ow.ly/EMky102dT7c

08.01.2022 Loving where your live longer? Check out your own suburb and how long you and your neighbours are living in your homes.

08.01.2022 It's a fond farewell to the old and a very Happy Hello to the NEW! Smartline Personal Mortgage Advisers. Same Great Service for YOU. I'm still here to help you with all your property finance. Fabulous to have #Realestate.com.au as part of my team.

08.01.2022 We know times are tough financially for many individuals and small businesses around Australia. That’s why we have put together a dedicated COVID-19 support page, to provide you with some information about managing your loans and your finances during this time. ow.ly/iEgn102egVv

08.01.2022 At Smartline, our look may have changed but that’s all. You can still expect the same expert mortgage advice that 96%^ of our clients in the past 2 years have recommended to their family and friends. ^Based on the Smartline Client Settlement Survey from 1/1/18-31/12/19.

08.01.2022 There are many strategies every homeowner can use to pay off their mortgage as quickly as possible. These include everything from regularly ensuring your loan is still the most appropriate for your needs, increasing your repayments and looking for new ways to save. The key is to take action - so if you're ready to take the next step, give me a call, I'd love to help you get ahead.

07.01.2022 In light of social distancing recommendations, Smartline has instigated an amended policy to allow video conference calls in place of face-to-face meetings. We are also working closely with our lenders and with our industry representative, the Mortgage & Finance Association of Australia, regarding meeting policies to ensure our clients can still take out new loans during this time. If you do require a loan, please give me a call to discuss your options. Let’s stay connected and all look after one another during this difficult time.

07.01.2022 So you're thinking of buying your first home? Congratulations! To help you navigate the home buyer journey we've put together a First home buyer guide. Download your copy now. ow.ly/JwiR102oH60

06.01.2022 Dear friends, family, clients and community, We’d like to thank all of the unsung individuals, charities or organisations in our community who are out there doing incredible things - because not all heroes wear capes. Head over to our website and nominate your local hero for their chance to win $5k. Nominate now: ow.ly/CwvE102gZoi ... Nominations close 31.07.20. Winners announced 31.08.20. Open to AUS residents only 18+. Total prize pool $25k (5 x $5k cash prizes). Terms and conditions apply.

06.01.2022 Considering Property Investment? What about Brisbane as a location?

05.01.2022 I have access to and can compare loan options from a wide range of Australia’s leading banks, credit unions, building societies and other lenders all in minutes. I will listen to your needs, learn from you and walk you through the most suitable options to find the right loan for you and your situation.

05.01.2022 MYTH vs. FACT - Myth: Most borrowers can ask for a ‘mortgage holiday’ so they don’t have to make repayments on their home loan during the COVID-19 crisis. Fact: Deferral of mortgage repayments is only available for those who are facing significant financial hardship due to the impacts of the COVID-19 crisis and the measures to contain it. This typically means you need to have suffered a major change in circumstances such as job loss or the closure of your own business. Your lender will determine whether you fit the criteria.

05.01.2022 If you have been considering a major renovation or building a new home, now could be the perfect time to get started! Not only can you borrow very cheaply right now with interest rates at record lows, but you may also be eligible for a government grant of $25,000* to assist towards the cost of the project. The Federal Government hopes this new HomeBuilder scheme will encourage homeowners to spend money on construction, and keep hundreds of thousands of builders and tradespeop...le employed in the wake of a possible downturn due to the COVID-19 pandemic. I can help you choose the right finance option for your construction project so please don’t hesitate to get in touch to discuss your options. *Restrictions apply, find out more here. ow.ly/hMzd102gl0C

04.01.2022 There are 3 ways to claim home office expenses. Which one suits you best? The explosion of working-from-home arrangements means employees now have extra expenses to consider. But what receipts should you be saving for tax time? ow.ly/MU7u102eGeL

04.01.2022 Smartline’s Customer Happiness Manager Bailey, out and about enjoying Sydney’s Summer perfect evening.

04.01.2022 Reportedly residential construction has been falling since 2017. Maybe the new Federal government HomeBuilder scheme will help that bigger picture issue. Do you think it will do the job it was designed for or cause more havoc with a run on new work?

03.01.2022 Did you know you will be able to go to open home inspections again soon! NSW is planning to ease the restrictions on open homes and on-site auctions in the hopes to boost the market. ow.ly/5Lq6102eNrj

03.01.2022 Do you want to know how much you can borrow? Our calculator can help. And if you need anymore information or want to discuss your situation in more detail, I can assist. Feel free to give me a call on 0488858056 ow.ly/z4TW102f2wn

03.01.2022 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/eJwN102r2gk

03.01.2022 Wishing you the Happiest of Mother’s Day from everyone at our office, especially Bailey, the office manager.

02.01.2022 I've just recently just completed a big renovation and it's a joy to have the job done, the family all settled again and be cooking in my beautiful kitchen. Here are some ideas for smaller renovation jobs that you may be able to handle yourself that will brighten your home and mood. Enjoy!

02.01.2022 Where do New Australians come from and Where do they live? Here's a quick 5min read.

01.01.2022 The last day of the year. WOW! The years go by quicker and quicker. Let's look forward to 2020 with positivity and optimism, I have a feeling it will be a good one. Enjoy your night!

01.01.2022 Find out what the 6 predictions for real estate are according to Nerida Conisbee, Chief Economist for REA Group. ow.ly/seg1102eesl