Steller Home Loans in Ringwood, Victoria | Mortgage brokers

Steller Home Loans

Locality: Ringwood, Victoria

Phone: +61 1300 689 962

Address: 2/23 Ringwood Street 3134 Ringwood, VIC, Australia

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

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25.01.2022 We have been helping our clients access $2,000 to $3,000 in instant rebates from participating Lenders just for refinancing. Are you looking to refinance and take advantage of these rebates? Contact us today to see if you are eligible -... Reece on 0478 021 757 Clare on 0403 028 784

22.01.2022 $25,000 HOMEBUILDER GRANT ANNOUCNED The federal government has announced a new stimulus package for those who plan on spending $150,000 or more on renovations of their home. You must sign contracts to build or renovate from today through to the end of the year. Contact us today to find out if you qualify for the $25,000 grant or if you are looking for renovate and want to take advantage of low interest rates.... Call Reece - 0478 021 757 | Clare - 0403 028 784

21.01.2022 Our business partners over at TML Law have put together this really helpful pack regarding family law matters during Covid 19. Lots of information around parenting arrangements, family violence and settlements.

20.01.2022 Are you looking to renovate your home? Do you know about the $25,000 Government Grant you could access? The Government has announced an extension to the HomeBuilder program. Changes to the program include;... * A $15,000 grant for building contracts signed between 1 January 2021 and 31 March 2021 * An extended deadline for all applications of the $25,000 can now be submitted up until 14 March 2021. * An extension to the construction commencement timeframe from three months to six months. Please contact us today for further information on the Grant and how you could use the equity in your home to fund your renovations. Call us on 1300 689 962.

20.01.2022 Congratulations to our clients Domenic and Kelly on the settlement of their new home today! Yes, we are still open and helping our clients with all their financial needs. Contact us today 1300 689 962

20.01.2022 Today, we still stand together. To all the servicemen and servicewomen past and present, we honour your selfless service and sacrifice

19.01.2022 We wanted to let all of our clients know that we are still operating as usual. Our telephone and email communication are still fully operational and will continue to be as we have remote access and flexible working arrangements in place. Our office is still open but we also have flexible meeting options include video calls or in home visits. At this time, its important that we stay cautious, but also continue to support one another and make sure we do our best to stay safe and well.

18.01.2022 R U OK? Today is #ruokday2020, a reminder that every day is a day to start a conversation that could change a life. Today we are calling on Australians to learn what to say after r u ok? To keep the conversation going when someone says theyre not ok. ... Theres more to say after R U OK? When we learn what to say next we can help someone open up and find pathways to support long before theyre in crisis. Learn more at www.ruok.org.au

18.01.2022 We are open and we are here to support you. During these times of uncertainty, we understand there could be challenging periods ahead due to COVID-19 and want to reassure you that we are here to help. Its important to know if you are facing difficulties with making repayments on your home loan, then you can seek relief on the grounds of financial hardship directly with your lender.... Some potential options include: Request a lower interest rate Switch to interest only repayments Request a repayment holiday for 3-6 months (interest is still incurred but repayments are stopped for a period of time) Extend the loan term to reduce the repayments Ask for fees and charges to be waived Consolidate debts to make repayments more manageable Not all banks and lenders will have a COVID-19 specific relief package prepared. However, they still have standard policies in place to help those who are facing financial hardship for any reason. While financial hardship requests need to be made directly to the lender by the client, we can help you prepare for the conversation or suggest alternative solutions based on your individual circumstances. We are ready to assist, so please dont hesitate to get in touch today.

18.01.2022 Check out our article about the First Home Loan Deposit Scheme in this months edition of the Find Maroondah

16.01.2022 Good news for home purchasers with a tax relief on stamp duty for residential property transactions of up to $1 million has been put forward as part of Victoria's State Budget 2020. A waiver of 50% for new residential properties and 25% for existing residential properties will be available for purchases of up to $1 million on contracts entered until 30 June 2021. On a $1 million house, this change reflects a $27.5k saving for buyers of a new property, and a $13.7k saving on a...n established dwelling. If you wish to find out more please contact Reece on 0478 021 757 or Clare on 0403 028 784.

16.01.2022 Happy Easter to all of our wonderful clients and business partners. Keep safe, enjoy the day with your loved ones and remember calories dont count today!

16.01.2022 Are you a medical professional looking to refinance or buy a home? We have access to Lenders that will currently count your overtime and allowances on top of your base salary. Let us compare interest rates, mortgage repayments and loan features for you. ... Speak with Reece today on 0478 021 757.

15.01.2022 Are you self employed and looking for a home loan? Traditionally Lenders required 2 years financials for self employed applicants however some Lenders are now allowing only 1 years financials. Speak with us today if you are self employed and looking for home loan or refinancing options best suited to you.... Reece - 0478 021 757 Clare - 0403 028 784

15.01.2022 Your overseas travel plans may be on hold for a while, so why not make the most of what our beautiful country has to offer? Caravanning is a perfect way to see the great outdoors while having the comforts of home with you, a mode of transport and it can be done on a budget. If you've ever thought about buying a caravan, now could be the perfect time. Get in touch today to find out how I can provide you with a tailored loan solution to help you get on the road soon.... Reece - 0478 021 757 Clare - 0403 028 784

14.01.2022 We are thrilled to introduce you to our newest team member Clare! Clare has commenced with SHL Finance as a Mortgage Broker and is here to help with all of your lending requirements from first home buyers, to refinancing to business lending. Clare has a strong background in the finance industry and we look forward to adding her wealth of knowledge to our team.

12.01.2022 HOW HEALTHY IS YOUR HOME LOAN? As most of us are impacted by the effects of social distancing in the wake of the COVID-19 pandemic, be it physically, emotionally or financially, it is becoming increasingly important for anyone with a mortgage to understand whether their current loan is the best solution to meet any potential change in circumstances. Borrowers need to know how much their current loan is costing them, and how will their current lender support them in times of f...inancial crisis. Is your Home Loan healthy enough to help you through this pandemic? Workers in the hospitality, entertainment, tourism and retail industries have been severely affected by the restrictions put in place to prevent the spread of coronavirus . In response to this most lenders have announced programs designed to assist clients financially should their employment/income be impacted negatively. The assistance package generally consists of repayment deferrals for periods of up to six months, but there is a misconception amongst borrowers that, with repayments put on hold, any other costs will also be deferred. This is not the case. If you decide to defer your loan repayments the interest on the loan is still being calculated and being added to the loan balance. Once the deferral period is completed, borrowers could find themselves in a worse position as they owe more than they did before the deferral period commenced. They may have to commit to a higher loan repayment than they were paying before the repayment deferral period commenced. Should a borrower need to consider their lenders assistance package there are ways to mitigate the impact of this, now and in the future. 1. Review the current interest rate and approach your lender to switch to a cheaper option. This will help to reduce the amount of interest that would be capitalised to your loan during any repayment deferral period. 2. Refinance to another lender should you still be employed. A number of lenders offer discounted rates to new customers, and these can be significantly cheaper than rates offered to existing borrowers. A mortgage broker can help borrowers navigate the way through the options to ensure they get the best outcome under the circumstances. At SHL Finance we are already proactively helping our clients negotiate a better rate with their current lender, reviewing their existing loans and discussing ways to potentially save their clients thousands of dollars. We would love the opportunity to help you too. Please call Reece Droscher on 0478 021 757 should you want to discuss your options.

12.01.2022 Awesome initiative from our business partner Fuelled Up Garage in Ringwood for anyone still wanting to purchase a car at this time.

12.01.2022 Congratulations to our very own Clare and her family on the purchase of their new home! We're so happy for you all and wish you many happy years there. We will be open throughout the Christmas period for all of your finance needs. Reece - 0478 021 757... Clare - 0403 028 784 See more

11.01.2022 Want to find out if you are eligible for a Lender Rebate for refinancing your loan? Many Lenders are offering between $2,000 to $3,000 cash back to refinancing customers. Speak with us today to see if you are eligible - ... Reece on 0478 021 757 Clare on 0403 028 784

11.01.2022 An offset can help you to pay off your home loan faster whether you're an investor or a home buyer. An offset is a facility linked to your home loan that allows you to withdraw and deposit funds. The money in this facility is 'offset' against your home loan debt where interest in calculated, reducing the amount of interest charged on your home loan. They can greatly reduce the interest paid over the lift of the loan.... Offset accounts can be a much more beneficial place to store your savings than a standard savings account as your money tends to work much harder in an offset account. SHL Finance has access to multiple Lenders that offer redraw offset facilities with their home loans. Call us today to discuss an offset account for your home loan. Reece - 0478 021 757 Clare - 0403 028 784

11.01.2022 Reeces latest article in the Find Maroondah magazine is now live. Check it out to learn about support for small businesses in this difficult time.

11.01.2022 What are your financial goals this year? * Refinance your current home loan to a better rate and start saving immediately * Upgrade to your forever home * Purchase an investment property... * Renovate your home and put in that pool you've always wanted No matter what your goals are this year SHL Finance are here to help you achieve them. Call Reece today on 0478 021 757 or Clare 0403 028 784

10.01.2022 When your office friend just really needs your attention! . Working from home has both its benefits and downsides. But work must keep going. . Did you know that some interest rates are as low as 2.09% ! Now is the time to refinance! ... . Give us a call and we can give your loans a quick health check #shlfinance #SHL #homeloans #homesweethome #melbourne #sydney #byronbay #investmentloans #property #catsofinstagram

10.01.2022 So busy doing mum stuff we forgot to mention a shout out to all the other mums. . . Hapy mothers day to all mothers, no matter who or how they are. .... . And a shout out to our three Mums Sam, Kelly and Clare. . #mothersday #homesweethome #homeloans #SHL #shlfinance See more

10.01.2022 SHL Finance are here to support you and your family. If any of our customers may need to take advantage of hardship provisions in these tough times please contact Reece directly on 0478 021 757.

10.01.2022 Are you Self Employed and struggling to get finance? For people who work for themselves being able to obtain finance to buy a home, grow their business or purchase another asset can be a very challenging exercise. For a lot of self-employed there is a delicate balance between showing the Bank enough income to be able to repay a loan and claiming as many expenses against their income to reduce the amount of tax they pay. Lenders also deem self-employed applications to potenti...Continue reading

10.01.2022 So sad to announce it our dimpled friends last day with us. Nathan has been an integral part of our team and has been amazing dealing with our clients and business partners. We wish you well in your new role.... Farewell Dennis

10.01.2022 International Womens Day - Sunday 8th March "Strong women stand together when things are rough, hold each other up when they need support, and laugh when theres no reason to. "You need a tribe of women around you who are endlessly devoted to helping you success. Theres power in that."

09.01.2022 Official interest rates in Australia now sit at a historic low of 0.50% with all 4 majors passing on the full rate reduction. The average mortgage holder stands to see a meaningful reduction in their home loan repayments which equates to thousands of dollars over the life of your loan. Refinancing your home loan can save you significant money and switching is easier than you think. With a lot of competition in the home loan space the banks are pricing their rates as sharply ...as they can. It doesnt cost anything to talk to us and see what rate we can get you in this marketplace. We will review your current situation, provide you with a recommendation of the best product for you and handle the process start to finish with the bank. Those in the refinance market would be smart to lock in rates now. Call Reece today on 0478 021 757 or [email protected]

09.01.2022 There are many aspects to a Home Loan Application that financial institutions consider when assessing whether to approve or decline the application. Primarily the success or failure of an application will come down to the applicant’s ability to overcome the 5 C’s of credit: Character, Collateral, Capacity, Capital and Conditions. So what are these C’s and how do they impact on your ability to get a Home Loan. [ 984 more words ] https://shlfinance.wordpress.com//the-5-cs-of-lending-the/

09.01.2022 Best Interests Duty is a new legal duty that requires Mortgage Brokers to act in their customers best interests and put their interests first. And no, the Best Interests Duty does not apply to banks! In other words, we must always act in the best interests of borrowers, however, if a customer goes to a bank directly, then the bank can act in their own interests and not those of the borrower. Mortgage brokers offer choice, experience and have a legal duty to act in your best... interests when providing credit assistance. As Mortgage Brokers we act in your best interests when making a credit recommendation, whereas a bank sells your their products. Are you looking for the best home loan based on your situation? Here’s how we can recommend the best home loan based on your situation. We’ll first conduct a Preliminary Credit Assessment wherein; we look at your financial situation; and your objectives and product requirements for seeking credit. Finally, based on our discussions and the lenders you qualify with, we’ll make our recommendations that best match your needs and requirements. As a Mortgage Broker, we act in your best interests when recommending a home loan, whereas a lender has no legal obligation to do so. Please enquire by calling Reece today on 0478 021 757 or Clare on 0403 028 784.

07.01.2022 Want a $300 voucher? Do you know about our referral program? For each friend or family member you refer to our services we will issue you with a $300 gift card* to thank you for supporting our business.... Contact us today to find out more Reece 0478 021 757 Clare 0403 028 784 *Gift card will be presented once the referred loan has settled.

07.01.2022 As your mortgage brokers we can help you achieve your property goals for 2020. Do your goals include the following? * Buying your first home * Buying and moving into your next home * Investing in property... * Improving management of your expenses and cash flow * Renovating your current home If you have other property goals in mind, let us know so we can discuss the right strategies and develop an action plan, giving you the right information and resources you need. Lets make your property goals a reality in 2020! Get in touch today to get started with your annual loan review. Reece - 0478 021 757 or Clare - 0403 028 784

06.01.2022 We have been accessing $2,000 - $3,000 in instant rebates for our clients through participating Lenders just for refinancing. Are you looking to refinance and want to know if you are eligible too? Contact us today -... Reece on 0478 021 757 Clare on 0403 028 784

06.01.2022 Check out our latest article in Find Maroondah - all about how healthy your home loan is.....

06.01.2022 New home feels. . . There is nothing like walking into your first home. It is an amazing feeling. .... . What do you dream about for your home. Give us a call and let us help you realise that dream. . . Clare 0403028784 Reece 0478021757 #homeloans #shlfinance #SHL #homesweethome #melbourne #sydney #byronbay #firsthomebuyer #firsthome

05.01.2022 We know times are tough for many businesses right now. We are here for our small business clients and we are ready to support you. You could be eligible for an unsecured business loan of up to $250k.... Call Reece today on 0478 021 757 to find out more.

05.01.2022 In February I wrote about the launch of the Federal Government’s First Home Loan Deposit Scheme, a program designed to support eligible first home buyers, who have managed to save a 5% deposit, buy a home sooner. The scheme proved to have a great take-up rate, with the initial 10,000 places fully subscribed, meaning a significant number of first home buyers have now been able to achieve their dream of home ownership. [ 246 more words ] https://shlfinance.wordpress.com//first-home-loan-deposit/

04.01.2022 There are over two million small and medium enterprises in Australia, all of which have been affected in some way by COVID-19, be it positively or negatively. There have been several initiatives announced to help these SME’s through the crisis, the major ones being JobKeeper and the Coronavirus SME Guarantee Scheme. What is this scheme and is it something owners of a SME should consider? [ 618 more words ] https://shlfinance.wordpress.com//financial-support-for-s/

04.01.2022 October is a big month of birthday celebrations in the SHL Finance office! Last week we celebrated our head honcho and heart of the team Reece Droscher and today we celebrate our loan superstar Clare Fletcher! We hope you both know how special and loved you are! Let’s celebrate!

04.01.2022 Check out Reeces latest article about obtaining finance if you are self employed in the latest issue of Find Maroondah

01.01.2022 If youre a first home buyer check out Reeces informative article in the latest edition of Find Maroondah.