Todd Haffner Smartline Personal Mortgage Advisers in Wembley, Western Australia, Australia | Loan service

Todd Haffner Smartline Personal Mortgage Advisers

Locality: Wembley, Western Australia, Australia

Phone: +61 8 9389 4908

Address: 353 Cambridge Street 6014 Wembley, WA, Australia

Website: www.smartline.com.au/adviser/toddh

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• Loan service
• Mortgage brokers

25.01.2022 Happy Mothers Day to all of the wonderful, caring mothers out there.

25.01.2022 While its still too soon to tell what damage COVID-19 will have on the property market, Economist Nerida Conisbee, reviews how overseas markets have been impacted to understand what may happen in Australia. ow.ly/Vbme102dYhr

25.01.2022 We know times are tough financially for many individuals and small businesses around Australia. Thats 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/Yiss102eepc

24.01.2022 Do you want to get your finances in order but dont know where to start? Here are some things you can review that could potentially save you money - organise your bank accounts, consolidate your super, set up a budget, find ways to minimise your expenses, consolidate your debts or review your home loan. If youd like to discuss this in more detail, I am happy to have a chat. Give me a call.

24.01.2022 In times like these, its important to keep routine where possible and ensure you are staying active to keep you feeling good, relieve stress and look after your happiness levels. Here are some great ways to exercise at home. ow.ly/DfPo102erFE

23.01.2022 Have you been able to make small changes to your lifestyle, now that youre at home, that have resulted in saving money? This could be eating at home more, having a coffee at home, reviewing your budget or consolidating your accounts. Share how you have been able to make small, but worthwhile, changes.

23.01.2022 Is it time to fix your home loan interest rate? With so many changes in the market and the recent cash rate cuts; some home loan interest rates are at historic lows. If youre wondering if it is a good time to fix your home loan, give me a call. Id be happy to talk through your situation and see if its the right decision for you.

23.01.2022 Would you like to find out if there is equity in your home? This could be used towards renovations or to start an investment portfolio. Id be happy to review your situation for you, feel free to give me a call to discuss.

21.01.2022 Nerida Conisbee, Chief Economist REA Group, provides her latest update on how the property market is performing in the current market. ow.ly/uTpJ102eJm3

21.01.2022 If youre self-employed, running your business is your biggest priority. I can assist with your business finance so you can get on with the thing you do best running your business. I can arrange loans and leases for almost any equipment you need. If youd like to find out more, feel free to give me a call.

21.01.2022 Switching home loans can save you money or free up cash for renovations, an investment property or other purchases. There is a lot to be aware of though. Im here if you would like to find out more or discuss your situation. Feel free to give me a call if youd like to review your current home loan situation.

21.01.2022 It has been confirmed that COVID-19 loan repayment deferrals will not impact a borrowers 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, Im here to help. Please feel free to give me a call.

18.01.2022 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/Pls0102eGiS

18.01.2022 If youre at home like many of us are at the moment, its a good time to do a quick check-in of your financial situation. You may want to set up a budget to get through this unforeseen situation or set up a plan to save for what is to come; we have a calculator that can help you. ow.ly/LLS1102dP07

18.01.2022 How will migration changes impact our property markets? Cameron Kusher provides the latest COVID-19 update. ow.ly/D8DG102f6rc

16.01.2022 Virus statistics, government policies and economic indicators are changing constantly right now, but one thing seems clear COVID-19 is affecting almost every sector of our economy. Its therefore unlikely the property market will be spared, so what does this mean for prospective home buyers? ow.ly/mO2b102eD7f

16.01.2022 The Reserve Bank of Australia has announced that in its Board meeting today, it has decided to keep the cash rate unchanged at 0.25%. You can read the full statement by Philip Lowe (RBA Governor) on the decision here. ow.ly/5qYv102eGs3

15.01.2022 Lest we forget...

14.01.2022 The latest national property update for the month of April is here. CoreLogic Research Director Tim Lawless presents the latest housing & economic data from last month, as well as a break down by capital city. ow.ly/UYhM102dKAS

13.01.2022 It has been a crazy couple of weeks and even though many of us have been at home already, this long weekend is a great time to switch off completely and recharge. Lets take this time to really connect with those we love and focus on whats most important.

11.01.2022 MYTH vs. FACT - Myth: Most borrowers can ask for a mortgage holiday so they dont 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.

11.01.2022 Cameron Kusher, Executive Manager Economic Research from REA Group, suggests that regional areas set to benefit post COVID-19. Find out more here. ow.ly/edlx102eui8

11.01.2022 If you're self-employed, running your business is your biggest priority. I can assist with your business finance so you can get on with the thing you do best running your business. I can arrange loans and leases for almost any equipment you need. If you'd like to find out more, feel free to give me a call.

09.01.2022 The states and territories have announced their own relief measures to help safeguard struggling renters, as well as landlords. Heres a look at what each is doing to support both residential and commercial tenancies during the coronavirus crisis. ow.ly/p6DL102eoJW

08.01.2022 Happy Easter to everyone from us here at Smartline.

08.01.2022 Being stuck at home 24/7 is not everyones idea of pure bliss, but were all trying to make the most of it. Here are seven ways you could improve your home and start a mini-renovation while youre in isolation. ow.ly/7PS1102dTdm

07.01.2022 MYTH vs. FACT - Myth: If you can get a deferral on your loan repayments you should take it because it means you may not have to pay interest for up to six months. Fact: It is recommended you keep making your usual loan repayments if possible, since deferring your repayments increases the overall cost of your loan. This is because the interest you incur during the deferral period will be capitalised (i.e. added on to your mortgage), so you will need to either increase your interest repayments after the deferral period or extend your loan term; both of these will increase total interest. Additionally, any available redraw on your loan may be used first by your lender to make your repayments during the support period. Therefore, if you need access to this money during the support period, consider transferring it to another account now.

05.01.2022 As the lockdown restrictions ease there are many questions surrounding what the property market will look like. Cameron Kusher from REA Group answers your questions here. ow.ly/Guar102f2BC

04.01.2022 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. ow.ly/6YO4102eMO6

04.01.2022 Are you looking for a smarter home loan variable rate? Im here to help, give me a call if youd like to find out more. ow.ly/8mf1102egVq

02.01.2022 Not sure how much you will need to pay in stamp duty? Our stamp duty calculator can help you. Simply enter the property details and the Smartline calculator will estimate the stamp duty you will need to pay on the property you want to purchase. ow.ly/8wHF102faq9

02.01.2022 We are very fortunate that banks are offering financial assistance to those impacted by the COVID-19 virus crisis. But whats true and whats not? We break it down for you here. ow.ly/noUF102dHvL

02.01.2022 The winners of our local heroes competition have been announced! Thank you to all of the wonderful nominees, its amazing to see so many people helping their local communities. Meet the winners here ow.ly/vcOV102lJm5

02.01.2022 Although it feels like the world is standing still at the moment, the past couple of months have shown us that you never know what is around the corner. If you want to take this time to get your financial situation in order, Im here to help, please give me a call on 0418 949 698

02.01.2022 Are you constantly nagging everyone in the household to tidy up? Here are some tips to encouraged your loved ones to become more organised. ow.ly/eo5n102fnXg

02.01.2022 If you work in the building or construction industry, work may not have stopped for you. If youre still required to run your business, I can help with any business financing needs you may have. Whether you require financing for new equipment or need to discuss your commercial property finance, I can assist. Give me a call if youd like to find out more.

01.01.2022 There are a few strategies you can explore to pay off your mortgage sooner. With so many changes in the market, it could be a perfect time for you to get ahead. If youd like to find out more, Im here to help.