Steven Lowe, Smartline Personal Mortgage Adviser | Property

Steven Lowe, Smartline Personal Mortgage Adviser

Phone: +61 422 463 819

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25.01.2022 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/2pxK102ieDq

25.01.2022 It’s quite common to accumulate a number of loans, particularly as you move through different stages of your life. Refinancing debts and consolidating them into one loan can be a great way to save money and get back in control of your finances. Find out more here. ow.ly/wSlw102kzMS

24.01.2022 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/v4an102dHCm

23.01.2022 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/rUZ7102fZTE

22.01.2022 What's next for property? Cameron Kusher, Executive Manager Economic Research REA Group, presents the latest property update. ow.ly/athV102fKJl

21.01.2022 Now that your spring cleaning is done, maybe it's time to spring clean your finances too. Reviewing your loan you could potentially save money. If you'd like to have a chat about how I can help, give me a call.

21.01.2022 While the property industry has taken a hit during the pandemic, there are six ways it could act as a secret weapon to help boost economic recovery post-COVID-19. ow.ly/rLap102gVpY

20.01.2022 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.

20.01.2022 Is your mortgage costing too much? Get smarter advice to find a better deal. Give me a call if you'd like to discuss your unique situation. ow.ly/BS2t102iV8q

19.01.2022 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.

19.01.2022 The COVID-19 pandemic has unfortunately provided an opportunity for scammers to prey on the fear, financial uncertainty and need for information that many Australians have been facing recently. Scamming can take many forms. With technology rapidly becoming more sophisticated, it is becoming even easier for scammers to find out your personal details, access your computer, and create fake websites, documents and even companies. ow.ly/q9uw102k766

18.01.2022 Tax time is a great time to think about setting up a budget. Why not try our budget planner to manage your finances. ow.ly/jfBj102helK

17.01.2022 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/9o0W102dsiF

17.01.2022 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.

16.01.2022 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. I'd be happy to review your situation for you, feel free to give me a call to discuss.

15.01.2022 Lenders vary in how much they will lend, depending on their own policies. I have access to lending rules and criteria which means I can work out which lender is best matched to your circumstances. Give me a call if you'd like me to review your specific situation.

15.01.2022 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/dNm8102guxY

15.01.2022 Nerida Conisbee, Chief Economist REA Group, provides her latest update on how the property market is performing in the current market. ow.ly/ToIW102eJ3i

14.01.2022 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/T5IY102g8Nk

14.01.2022 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 you're wondering if it is a good time to fix your home loan, give me a call. I'd be happy to talk through your situation and see if it's the right decision for you.

14.01.2022 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.

13.01.2022 There are a few strategies you can explore to pay off your mortgage sooner; one is reviewing your home loan to see if you can potentially save money. There are many competitive rates out in the market at the moment, so if you'd like to find out more or discuss what they are, I'm free for a chat.

13.01.2022 I work solely for you, not the lenders. So, whether you're looking for a loan for your first home, a new home, an investment property, business financing or would like to refinance, I'll use my knowledge, experience and personal service to find a loan for you. Give me a call if you're in the market for a loan.

12.01.2022 The HomeBuilder Scheme has boosted the construction market, however it is currently only available until the end of the year. So what happens after the scheme ends? Cameron Kusher, Executive Manager Economic Research from REA Group, explains what we need to be aware of next year. ow.ly/yvsn102k765

12.01.2022 Under the HomeBuilder scheme, homeowners looking to spruce up their houses and apartments could be eligible for a $25,000 grant to cover the cost of the job. Realestate. com. au data has analysed current listings to find the suburbs that have the highest proportion of renovation-ready properties. ow.ly/w8Fy102helB

12.01.2022 Having anticipated the recent bans on auctions and open for inspections, realestate. com .au has launched a new virtual inspection tool which will allow buyers and sellers to remain in business. ow.ly/xbuP102dsiA

09.01.2022 One strategy to pay off your home loan sooner is to make additional repayments or, if your interest rate has been reduced, you can maintain your pre-cut repayments. If you'd like to find out how much you could potentially save by making additional repayments, our calculator can help by providing you with an estimate. ow.ly/pcFF102jJOS

09.01.2022 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.

07.01.2022 With different first home buyer schemes in each state now available, there are areas set for urban rejuvenation. Nerida Conisbee, Chief Economist at REA Group, outlines the suburbs across Australia that will likely be impacted. ow.ly/Sb0D102jJOG

07.01.2022 The government’s $25,000 HomeBuilder scheme grant offers home owners an incentive to renovate right now if they are in a financial position to do so. At this stage, the grant is only available until the end of this year. If you'd like to find out more, please give me a call.

05.01.2022 The process of securing a home loan is becoming more difficult and time consuming. If you'd like someone to take the stress out of securing a loan for you, I'd love to help. Give me a call so we can discuss your unique situation.

05.01.2022 The Board decided to lower the cash rate by 25 basis points to 0.50 per cent. The Board took this decision to support the economy as it responds to the global coronavirus outbreak. Find out more here. ow.ly/NgIh102btYO

05.01.2022 The spring season has traditionally been the most effective and popular time to sell homes with the weather warming up and gardens in full bloom. But property analysts and real estate agents say this winter could prove a wonder and a prime time to sell as markets start to pick up amid the winding back of government restrictions and newfound certainty amongst both buyers and sellers. ow.ly/X2Ge102gVpZ

04.01.2022 Are you thinking of building your dream home? Or renovating your existing home? I can assist with securing the finance for you, or find out if you're eligible for the HomeBuilder Scheme, so you can focus on building your dream home. Give me a call if you'd like to have a chat.

02.01.2022 When buying a property, the purchase price is just one of the costs you need to consider; you should also be aware of the other upfront costs that you will incur. I can help you work out these figures and discuss your unique situation. Give me a call if you'd like to find out more.

01.01.2022 We are very fortunate that banks are offering financial assistance to those impacted by the COVID-19 virus crisis. But what’s true and what’s not? We break it down for you here. ow.ly/TBfh102dGVC

01.01.2022 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.