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25.01.2022 Ain't that the truth... #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

25.01.2022 How To Combat ATM Fee Charges CONSUMERS who use ATMs not owned by their own banks paid $660 million in mostly unnecessary fees. A large chunk of this money could be kept in people’s pockets with some good planning and budgeting.... The fees, known as foreign ATM fees, are those charged by the ATM operator when consumers use an ATM that does not belong to their own bank, or is not in a network arrangement with their bank. The fees usually average $2 or more. The Australian Bankers’ Association says 40 per cent of all ATM transactions in 2011 were done at a foreign ATM. That figure is likely to be the same today. It’s no different from going to a shop and buying a coffee you’re purchasing a service from someone, says the ABA’s chief executive, Steven Munchenberg. You are paying for the convenience. He says the best way to avoid these fees is planning and to be aware of where your own bank’s ATMs are located. You can also get cash out with Eftpos transactions, particularly at the supermarket. Munchenberg says for people who may not always have easy access to their own bank’s ATMs such as those in outer suburban or regional areas, the answer is to avoid making lots of small transactions. Legislative changes introduced in 2009 meant ATM customers had to be notified of the foreign ATM fee on the machine’s screen before the transaction was completed, and since then transactions at foreign ATMs have fallen. Many financial institutions now offer free ATM locator applications for smartphones. Source: news.com.au #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

24.01.2022 What happens when your fixed rate expires? Do you know when your fixed rate term is coming to an end? Once it finishes, the bank is free to quietly switch you to a higher interest rate unless you act fast! Think of how costly it could be if you simply let the bank choose your interest rate. If your bank charges you just 0.5% more than the competitive interest rates, this adds up to a significant amount over the term of your loan. You can save yourself a great deal of money... and perhaps even cut years of your loan, if you are proactive about monitoring your interest rates and choosing the right option for you. Switching to a variable rate A variable rate can be a great option if you want to take advantage of low interest rates, or if you want the flexibility to redraw or make extra payments. When your fixed rate term expires, the bank will automatically switch your loan to the Bank Standard Variable Rate (BSVR). Do some research to find out whether this is a competitive rate; if not, you can talk to your bank and try negotiating a better deal. And if they do not offer you a competitive rate, you can switch lenders. Lenders generally prefer to negotiate rather than lose a customer, while they don’t generally make their best offers to customers with a proven history of loyalty. So when it comes to your interest rate, stay alert and ask questions keep your lender busy, trying to keep you happy! Extend your fixed rate One option is to ask the bank to refix your home loan, extending it for another one, three, five to ten years. The fixed rate is a good option for you, if you are planning to pay off your loan steadily over a long period of time, and you want each mortgage payment to be a regular amount so you can budget your money precisely. Fixed rate protects you from rate rises and you could be paying less than the variable rate. However, there is also the risk that you could end up paying higher than the market rate if you are locked into an outdated fixed interest term. There may also be a break fee if you change or pay off your loan within the fixed period; this means the fixed rate is not a good option for anyone planning to sell their home. Call us today if you need assistance pinpointing the best and most competitive option for you. #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

24.01.2022 Is this you or someone you know? It could be much easier than you think, to buy you First Home Contact your First Home Buyer Coach now....... #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

24.01.2022 How to maintain a good credit score When you are applying for a loan, the first thing lenders will do is check your credit score and this will have a strong impact on their ultimate decision. So what is your credit score and how do you maintain a good score that will impress lenders? The five elements of your credit score...Continue reading

24.01.2022 The hazards of applying to multiple lenders It’s natural that when you are researching something as important as a home loan, you should do as much research and comparison shopping as possible. However, if you apply for a mortgage through several lenders at once, your vigilance could backfire. How multiple applications impact your credit score...Continue reading

23.01.2022 Have you been to Waldecks and the Cafe on Karrinyup road in Stirling? Great place to get some gardening things, but also a great place to take your little ones and have a break. The cafe has a play centre and also serves up some great coffee and food. #matthewposselt #elitefinanceaustralia #homeloanspecialist #financebroker #firsthomebuyerspecialist #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

23.01.2022 Sell or buy first? Which option is right for you? It’s the ultimate dilemma for any home owner planning to move on to a new property do I sell or buy first? You don’t want to sell unless you have somewhere else to live, but you don’t want to buy unless you have the money from the original home. Whichever way you go, there will be some stress involved, so it’s important to look at the pros and cons of each option to decide which is the most suitable and practical for your ...Continue reading

23.01.2022 Looking to get approved for a home loan? But ... Started a new job? Short term casual employment? Commission Income? Bonus income?... No problem... we know which lenders will approve you! Message me now to give you a professional take on your situation. #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

23.01.2022 Comparing commercial and residential property investment If you are looking for a sound real estate investment, look beyond the typical two bedroom apartment and consider expanding your portfolio with a commercial property. There are three types of commercial property office, retail and industrial. There are some significant differences between investing in commercial and residential real estate, each with a potential positive or negative impact on your investment. ...Continue reading

22.01.2022 How to narrow down what you want in a home Before you can find the perfect home, you need to know exactly what you are looking for and as you may come across desirable homes that include only a few of the features on your list, you need to know which features are the most important to you. As a further complication, you will generally be working on this list with your spouse or partner, who may have different priorities to you! So how do you work out what you are looking ...Continue reading

22.01.2022 Do you love living in Stirling too?

21.01.2022 Finally good news in regards to bank fees...

20.01.2022 How to choose the right property for you Your home is perhaps the biggest investment of your life particularly as it is not just a financial investment, you are also investing in your future lifestyle. Yet many people have a tendency to fall in love with a particular property, and they forget to remain logical in their thinking. As a result, they find themselves owning a property that does not suit their current lifestyle or their future financial plans. So how do you cho...ose the right property for you? Find a property that fits your real-life needs, not your dream lifestyle You might have fantasies of living by the beach or in a small inner-city unit within walking distance of all the pubs and cafes, but how will this choice fit your budget and your long-term lifestyle? Your first home should fall within your budget and it should be compatible with your work and family life. There is no point purchasing a dream property that requires a two-hour commute to work or takes up all your spare money reducing your quality of life. Is it a good investment for you? Investigate the economic possibilities of the location and the property itself to see how it will appreciate over time. Also consider how the property will grow alongside your lifestyle choices perhaps you want to flip the investment property by doing a few renovations and selling for a profit, or perhaps you want to live for a few years in a small house before extending the property to make room for a family. Whatever your plans, your property is an investment tool that you can use to provide for your future. Is the property value accurate? If you fall in love with a particular property, you may trick yourself into wanting to spend more than necessary just to win it. However, it is important to check that you are paying what the property is actually worth. Look at the purchase history of the property and neighbouring properties to see how their value has appreciated, and how much they are all perceived to be worth now. Consider what needs to be done to the property in terms of renovations or repairs in order to make it right for your purposes. Will you need a home loan? Before you commit to a property, look carefully into the financial aspect of the deal. Find out how much you will need to borrow in order to secure the property, and whether you can still maintain your quality of life while paying off the loan. If you need assistance working out how to find the right property for your lifestyle and budget talk to us today #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

20.01.2022 Attention - Must watch if you want your First Home? It might be much easier than you think!!! Choose from below to get started now:... 1. Send a message below 2. Text me on 0423 283 450 3. Email "interested" to [email protected] #firsthomebuyer #firsthome #firsthomeloan #deposit #homedeposit #matthewposselt #elitefinanceaustralia #firsthomeowner #homeloan

19.01.2022 Which is the right home loan for you? There are a bewildering variety of home loans available, and it can be confusing to figure out which type of home loan is the best for your circumstances. However, when you know the pros and cons of each type of loan, you can make a decision that will fit best with your financial situation. Fixed rate home loan...Continue reading

19.01.2022 Upgrading Your Home Before Selling? Most people have walked through beautiful model homes and wished their own home had all those modern features. Model homes showcase the latest in upgrades and decorating styles. When we get home all we can see is the tile in our bathrooms and yesterday’s details in our kitchens. These things can become overwhelming if we are considering a home sale in the near future. Can I even sell my house with granite countertops anymore?... Before you grab the sledge hammer and plan a DIY weekend of expanding your family room, take a breath. Your home doesn’t need to be the latest and greatest to fetch top dollar in the resale market. As you evaluate making changes to your home prior to listing it for sale, the first thing you should do is talk with your real estate agent. They have market experience which allows them to speak with you about how your home compares to others in your area. They work with buyers and sellers every day and know what features and upgrades are top sellersand which don’t matter at all. While the urban modern home in the magazine looks great, changing the details in your country house into industrial loft style is not an improvement. Some improvements do translate to better sales price in every case. Outdated wallpaper, dirty and worn carpet and dark rooms can always use improvement. New or cleaned carpet and a fresh coat of paint, coupled with light bright lighting, will really showcase the best features of your home. Each neighbourhood is different. As you work with your agent, you might find that there are upgrades which will net you a significantly higher sales price. For instance, if you are located in a high end, luxury neighborhood, those buyers expect updated kitchens and bathrooms and you might want to put some money into those rooms to market your home in the top end of the market. But again, talk with your agent before you guess. You don’t want to spend thousands of dollars in upgrades that your buyers don’t care aboutor worse. don’t want. #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

18.01.2022 How to ensure your renovation will increase your house value There are two main benefits to renovating your property firstly, you can make it more comfortable and compatible for your lifestyle; and secondly, you can increase the value of your home. The challenge is to find the right balance between these two benefits if you invest too much into renovations, you risk reducing the amount of profit you would make when you sell. So how do you strike the balance and turn you...Continue reading

17.01.2022 Quick tips for working out a property’s market value When you are searching for the perfect property, it can be challenging to work out exactly how much you should be paying. Rather than relying completely on the word of others, you can develop your own strategy for valuing a property, so you have a better independent idea of how much it is really worth. 1. Make a comparison search... Property sales are in the public domain, so you can research your chosen area and make a list of five comparable properties that have sold within the last six months. To ensure the properties are comparable, make sure they are within a kilometre of your target property, and that they have similar features, such as the same number of bedrooms, bathrooms and car spaces, and a similar land size. Also make a note if any property has additional features such as a pool, or whether it is more conveniently located in relation to amenities such as schools and transport. Do not include properties that have not yet sold, as the advertised price is not a true indication of how it will sell. 2. Rank your list Once you have a short list of comparable properties including the one you are planning to sell or buy, rank each property in order from Most Desirable to Least Desirable. Try to be objective in this exercise, looking at the land size and location, rather than whether you prefer one garden to another. Proximity to schools is a plus if you are valuing a three or four bedroom home, but less of a concern for a one or two bedroom home. Buyers tend to be drawn to properties with newly renovated kitchens and bathrooms, so keep this in mind when ranking your properties. Your ranking from most to least desirable might not tally with the ranking from most to least expensive this will give you an idea of what features are important to people buying into the area. 3. Adjust for market movements Now you have placed your target property within a list of five comparable properties so you can see where it stands in the price range between the most expensive and least expensive properties. However, the market may have shifted within the last six months from hot to cold or back again, since the first property was sold, so you will need to adjust for current market conditions. Once you have adjusted, you should have a clear idea of how much your target property is currently worth, based on its place in your ranking list. 4. Check your figures You can back up your research by checking the median house price for the suburb in question. The Domain real estate website will also show the discounting percentage for a specific area, which is the average discount below the agreed listing price. For example if a house listed at $1 million sold for $900,000, then the discounting percentage is 10%. Contact us today if you need assistance assessing the value of a particular property.

17.01.2022 Eight tips for New Australians wanting to purchase property If you are new to Australia and looking to establish a comfortable, settled life here, then sooner or later, you will naturally consider buying property, either as an investment or a home for your family. So there are a few things you need to do in preparation for your first property purchase. 1. Find steady employment...Continue reading

16.01.2022 How To Make An Offer In Writing To Buy A Property Here is an email template you can use to make an offer on a property you are interested in buying. ======EMAIL OFFER TEMPLATE======... To whom it may concern, I would like to make an offer on _______St ______ for $.. My preferred settlement time would be Weeks. This offer is subject to finance approval, my solicitor reviewing the contract and any Strata reports and or building and pest inspections I may carry out. ======= EMAIL OFFER TEMPLATE====== Best of luck... and if you need any ideas on finance, 2nd opinion or a pre-approval to go shopping... message me today for a complimentary chat. #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

16.01.2022 What's A Better Strategy To Access Equity: Take Out A Line Of Credit Or Just Top Up A Loan? [Long Blog Educational Status Update]: Lines of credit can be very useful; however, you need to be careful regarding an evergreen set-up in which no repayments are needed and the interest is added on to the loan....Continue reading

14.01.2022 Thanks for the great Testimonial Mark! It was a pleasure to help you both and to find a great rate, product and structure to compliment your needs. Good luck with the home renovations and new car too... #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

14.01.2022 Tip: Watch your credit card limit! Even if your balance is zero, the higher your limit the lower your borrowing capacity. #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

13.01.2022 Is this your bank? Then it's time to take advantage of our Free Loan Comparison Service. Some clients discovered saving $300+ per month by switching to a better deal. Private message me today to see how much you could save by switching.... #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

13.01.2022 Did you know a lot of home owners overpay on their mortgage? Could a better deal put an extra $250+ per month back into your pocket? We offer a free Loan Comparison Service to see if switching could save you hundreds per month. Private message me today to get a free loan comparison!... #matthewposselt #elitefinanceaustralia #homeloanspecialist #financebroker #firsthomebuyerspecialist #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

12.01.2022 Tip: Paying an extra $20 per week off your home loan cuts 3 years and 2 weeks off your mortgage. It's time to log onto your online banking and increase your weekly mortgage repayment today... you'll be glad you did! (*example based on a $350,000 loan at 6% average rate)... #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

12.01.2022 Spend 10 minutes on the phone with me to see if you could save $250 or more per month OFF your home loan repayments. Private message me now for a free loan comparison! #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

11.01.2022 Top Six Reasons why your home loan might be declined You’re ready to buy a home, but you can’t find a lender who will approve your home loan. While this might seem discouraging and frustrating, it is not necessarily the end of your dream to become a home owner. Once you know the reason that you are considered a bad risk, you can improve your eligibility. Usually, it just takes a little more time and to improve your eligibility. Here are the top six reasons lenders might decl...Continue reading

10.01.2022 Understanding the buying and loan process Purchasing a new home or an investment property can be a daunting prospect, and you might find it difficult to identify the first logical step. Here we look at the process of securing a loan so you can buy the property that suits your needs and your budget. Ask yourself what you want to achieve...Continue reading

09.01.2022 Looking to invest in property to create wealth, security & freedom? Sometimes you need to be creative to find the right solution! Private message me to set up a meeting to explore your options. (we'll cover your borrowing capacity, loan structuring, property options, repayment options, rates etc)... #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

09.01.2022 Like to know how much you can borrow? Message me today to get your free borrowing capacity report! #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

08.01.2022 5 Ways To Tell If You Found The Right House You’ve seen a lot of homes lately. You have been out every weekend searching for the right home for you. At this point, you might not be sure it’s even out there, or if it is, you might not find it. Then you drive up to a home that gives you hope. At this point, however, how can you tell if it is the right house for you? Here are 5 sure signs that you’ve found the right house:... 1. You feel excited. Just as your first love might have given you knots in your stomach, the right home could as well. You start to imagine a life in the home and it’s exciting. 2. You overlook the flaws. You are realistically seeing the negative aspects of the home and are willing to overlook them. Maybe you wanted a view and this home doesn’t have one. But the beautiful kitchen remodel and spacious landscaped yard make up for that. 3. It doesn’t have your deal breakers. You should never compromise on the real deal breakers in your criteria. That might be tempting if the master bathroom is perfect, but if you have to have 4 bedrooms and this is really just a 3 bedroom, you’ll regret buying the home. 4. It fits your overall criteria. The home is located in the school district, city or neighbourhood you want. The larger lifestyle aspects line up with the home. 5. You can afford it. So important! There is no reason to go see homes you truly can’t afford, but it happens. The right home is in your budget. Of course there are many more aspects which goes into knowing if the home is the right home for you and your family. One of the best ways to know you’ve found the right home is how badly you want the house. Once you’ve left the showing have you compared all other houses to this one? Do you talk about it, think about it? Can you imagine yourself in the home? If so, you’ve found the right one. So if you’ve found the right home, write that offer! Don’t let it get away! #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

07.01.2022 How Do I Pay Off My Mortgage Sooner? Pay more, more often. Want to pay off your mortgage early? Then make bigger mortgage repayments, more frequently. You’ll own your own home sooner and save a bundle on interest. E.g. paying an extra $10 per week on a $350,000 home loan (@7% average) saves nearly two years off your mortgage and $34,382.65 in interested expenses ... Act now you pay most interest up front Most mortgages are structured so that you pay off most of the interest in the early years. If you are serious about wanting to reduce the interest you pay on your Home Loan, you’ll act now. Get rid of car loans and credit card debt You’re generally paying a higher interest rate on small loans (e.g. a car) and your credit cards so it makes sense to eliminate those debts first. So, put a rein on your credit card usage and then tackle your mortgage. Make sure you’re paying off the right mortgage When you entered the mortgage market, you might not have been as well informed as you are now. Or the market might not have been as competitive. Stay in close contact with with us to stay informed you have the right loan. I can can let you know if there is a new home loan product that will save you money over the term of the mortgage. Flexible mortgages Most debt-retirement strategies depend on you being able to pay off more of your mortgage sooner. Read the fine print or talk to us to see if you have the flexibility you need to reduce your interest charges. Pay more and pay often Assuming you have a mortgage that lets you pay extra, you should pay more and pay often. The interest charged on a $ 300,000 home loan at a rate of 7.15% over 30 years with monthly repayments is over $420,000. By paying off an additional $50 a month, you’ll reduce the interest bill by $39,000 and your loan term by 2 years and 4 months. You could look at making repayments weekly or fortnightly rather than monthly. Over 30 years the savings add up. To learn more, talk to us today today. Information source: MFAA #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

06.01.2022 Top 6 Reasons Why Your Home Loan was DECLINED or What To Look Out For When Applying the First Time Great information to share... #matthewposselt #homeloancoach #elitefinanceaustralia #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

05.01.2022 Which is better? Plan A - Buy a home Or Plan B - Buy an investment property and rent... #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

05.01.2022 Want A Free Seminar to find out all the information you need to know in regards to buying your First Home? then please share with others and register now!

05.01.2022 How to calculate your borrowing power One of the most important factors in your home ownership journey is the amount of money you can or should borrow. You want to borrow enough that you can purchase the right property for your needs, yet you don’t want to end up out of your depth in debt. Most lenders rely on their own variation of a basic formula to calculate your borrowing power. They look at six elements of your financial situation gross income, tax, existing commitm...Continue reading

03.01.2022 Do you live in the City of Stirling or know someone that does? If so please like and share this page for more information regarding home loans. I am your local Home Loan Specialist and I can help/coach you with paying your home loan off as quickly as possible and/or build equity to purchase more investment properties. Just a few small changes can make a huge difference... I'm here to help.

03.01.2022 Why you need a property inspection Whether you are purchasing a new home or an investment property, you are about to embark on one of the most important financial investments of your life. So it is essential to ensure that you are getting a fair deal. Yet, while buyers can be scrupulous about checking contracts and researching market prices, a surprising number of people tend to skip the property inspection. This means that you are taking ownership of any issues that could d...Continue reading

03.01.2022 Don't let this happen to you! Get a broker to find the right loan & get approved. Message me to give you a professional take on your situation. #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst

03.01.2022 What’s the best time to purchase a second property? You are established in your home and ready to dabble in some investments, yet you are a little daunted by the responsibility of owning two properties. How do you know when conditions are right for you to purchase a second property? If you are like most one-property owners, you might visualize a few obstacles preventing you from purchasing a second property. So let’s look at some of these obstacles and see if there is a way ...Continue reading

01.01.2022 Prevent A Nasty Property Surprise [Educational Blog Status Update]: HOMEBUYERS and real estate investors are being warned to watch out for the hidden traps that may be lurking in their potential purchases....Continue reading

01.01.2022 Working with a mortgage broker A mortgage or finance broker acts as your go-between, communicating with banks and lenders on your behalf, in order to secure the best deal for your circumstances. With approximately 40% of home loan applications being turned down, you can benefit from a broker to ensure that your application is sent to the right lender. However, while the broker can save you a great deal of running around, you should still double check everything to make sure ...you are getting the best deal available. Is the broker licensed? Before you start doing business with a mortgage broker, check that they are fully licensed. In Australia, it is illegal for a credit provider or broker to operate without a license. You can check through ASIC Connect’sProfessional Registers or call ASIC’s Infoline on 1300 300 630. Before you start doing business with your licensed broker, ask what loans they offer and how they are paid. The broker’s fee is generally covered by commission paid by the credit providers, although some brokers may charge you a fee instead of commission or on top of their commission. If you are expected to pay a fee, you need to know this before you start doing business. Shop around before choosing a broker, so you are confident you have the best and most cost-effective person for the job. The broker’s role Your mortgage broker is responsible for negotiating with credit providers such as banks, to find the best possible loan for your circumstances. They can offer you a range of loan options and help you manage the process of buying your property. Make a list of all your loan requirements, so the broker knows exactly what you need and want. If the broker is making recommendations that do not fit your requirements, do not settle for not good enough ask the broker to keep looking. While the broker will save you a great deal of time and money by searching for loan options, you can still do your own window shopping. Written loan agreement Once the broker has secured a loan that satisfies your requirements, you must get a written agreement, specifying the type of loan, the amount of the loan, the term and the current interest rate. It should also cover any fees you are required to pay, such as commissions, broker’s fees or fees to the credit provider. You may also incur fees if you wish to terminate the agreement before the end of the term. #matthewposselt #homeloancoach #elitefinanceaustralia #perthsfirsthomebuyercoach #homeloanspecialist #financebroker #firsthomebuyerspecialist #firsthomebuyercoach #makinghomeownershipreality #sellingyourhome #lookingforanewhome #refinance #deposits #buyingahome #checkyourfinancefirst