Stitch Finance in Point Cook, Victoria | Mortgage brokers

Stitch Finance

Locality: Point Cook, Victoria

Phone: +61 435 713 717

Address: 12 Turnstone Dr 3030 Point Cook, VIC, Australia

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• Financial service
• Loan service
• Mortgage brokers

24.01.2022 How to save a much larger home deposit for your first home? The two most important steps to set yourself up to grow that bigger deposit: 1. Track your spending then create a budget When you track exactly where your money goes each month you can see where you can keep some cash each month to put into savings. You can use a tool like the Government’s ASIC MoneySmart TrackMySPEND app to work out where you’re spending at the moment... 2. Commit part of your monthly income straight into a savings account Out of sight out of mind, is a savings strategy that can work well. You can do this by transferring a set amount that you have budgeted to your savings account and the amount you have budgeted to cover daily expenses and bills into your regular account. The banks love to see "Genuine savings". Basically they want to see that you can manage your money well. Are you still keen on buying your first home NOW ? The good news is that for some of the big banks and non-bank lenders, a minimum deposit required on some products can be as little as 5% of the purchase price of the property, but it’s always a good idea to have a deposit of 20 per cent or more if possible. Talk to us today on 0435713717 and let's chat on the options available now. #mortgagebroker #mortgagebrokers #mortgagespecialist #firsthomebuyers #mortgagetips

20.01.2022 First Home buyers Hot Spots... a must read... https://lnkd.in/gTwvzwq... #mortgagebroker #mortgagebrokers #firsthomebuyers #dreamhome

16.01.2022 Is your business changing during these unprecedented times? Chances are your business finance needs are too. Things rarely stay the same in an industry. Your ability to change with it and make the most of opportunities to help both short-term and long-term growth is vital. It’s always a good idea to see if the finance you secured in the past is still the right one to take you to your future goals. Talk to us today about reviewing your finances and identifying the right financial options for you. #mortgagebroker #brokerlife #businessloans #businesslending #stitchfinance #refinance #smallbusinessloans

10.01.2022 First Home Buyer Savings!! Read below to understand the differences. First Home Owner Grant (FHOG) - When you buy or build your first home valued at $750,000 or less and it is the first time it is sold as residential premises. You are eligible for a grant of $10,000. (If in Regional, the grant is $20,000) First-home buyer duty exemption or concession - If you enter into a contract to buy your first home on or after 1 July 2017, you may be eligible for a one-off duty exemptio...n for a PPR(Primary Place of Residence) valued up to $600,000, or a concession for a PPR with a dutiable value from $600,001 to $750,000. Are you ready to buy your first home? Book a FREE chat now... #firsthomebuyer ##firsthomebuyers #mortgagebroker #brokerlife #homeloanspecialist #lovehelpingpeople

10.01.2022 When Would I Refinance My Mortgage? The short answer - "Whenever it makes financial sense to do so." Here are few reasons people in Australia refinance their home loan.... 1. Better Rate - This is the most common reason for people to refinance their mortgage to get a better rate. But be careful of the exit fees and fees for taking out the new mortgage. A mortgage broker can help evaluate if you will be better off taking the new mortgage. 2. Flexibility Its easy explain this one with an example like Redraw facility. It is the ability to make extra repayments and then redraw when needed. This feature is not available with a basic home loan, so a lot of Australians refinance their mortgage to have this sort of increased flexibility. 3. Access Equity This is another reason why people refinance is to access equity for various reasons like renovation, buying a boat, holiday, or another property. Equity is the difference between the purchase price and current price. For example, if you purchased a property at $300,000 five years ago, may now be worth $500,000. Refinancing in this instance can let you tap into that extra $200,000 equity. 4. Defaulting A lot of people sometimes borrow more than they can repay and put themselves in danger of defaulting. Theirs is no shame in that. Talk to a broker and get help! I am a qualified mortgage broker and have experience helping people in all the above reasons. Stitch Finance Making Dreams Happen More than 60 per cent of residential mortgages were written by brokers between July and September 2020, the highest ever market share level in history (Source: theadviser.com.au) #mortgagetips #refinancing #refinancemortgage #renovating #betterrates #homeequity #makingdreamshappen #refinanceloans #pointcook #williamslanding #truganina #tarneit #MelbourneBroker #stitchfinance #australianmortgagebroker #australianfinancebroker #mortgagebrokeraustralia #knowledgeisfree #australianbroker #heretohelp #successinlife #homeloansaustralia #homeloansmelbourne #homeownership #homebuying #mortgagelife #multipleoffers #getpreapproved #refinanceyourhome #financeoptions

09.01.2022 Are you looking for a love affair with property in 2021? There is a perfect storm for buying your first home, refinance, or investment. Whatever your property goals, I can help you. ------------------------------------... Opportunities today for all of us ------------------------------------ 1. Refinance opportunities for Home Owners - Low Rates starting from 1.89% and Cashbacks up to $4,000 2. Renovation or Investment - Access equity up to 80% and stamp duty savings 3. First Home - Government rebates and stamp duty savings (upto 50%), it is a perfect opportunity to buy your dream home #mortgagebrokers #firsthomebuyers #equity #refinancemortgage #propertyinvestments #brokerlife #brokersarebetter #debtconsolidation #propertyinvestors #HappyValentinesDay2021 #loveforproperty #homeowner Stitch Finance Making Dreams Happen T&Cs Apply - Book an appointment and see if you qualify

08.01.2022 Hello Fellow Business’s, I would like to take this opportunity to network out to people and their businesses to help grow together. I meet everyday businesses who are anxious, frustrated and in need of help. You are not alone; I stand with you. It is more important than ever before to help each other out during these unprecedented times. Who can relate? ... Leave me a DM/Email and let us have a chat. I would love to spend some time with you to learn about your business. I cannot promise I can give business right away, but we could build a network around us and we will be just a call away when it strikes... As a residential mortgage broker, I believe I can be of assistance to below businesses. Accountants Financial Advisors Asset Brokers Commercial Brokers Real Estate Agents Property Managers Buyers Agents Who is looking to grow and network out in 2021? Stitch Finance Making Dreams Happen Email - [email protected] #mortgagebroker #firsthomebuyers #equity #refinance #propertyinvestment #brokerlife #brokersarebetter #debtconsolidation #propertyinvestor #collaboration #accountants #financialadvisor #AssetBroker #commercialbrokers #realestateagent #buyersagent #propertymanager #lockdownmelbourne

07.01.2022 Hello Melbourne, We are in lockdown again... not something I am looking forward to, but I feel I am more prepared then the last two. If this is the new normal, then we must be better equipped to handle this ongoing change. Who can relate?... Same goes for finance, the interest rates and the lender policies are changing all the time now, with so many lenders and policies you need a broker who knows how to navigate this for you. Be more equipped, call us for your financial goals in 2021. Stitch Finance Making Dreams Happen #mortgagebroker #firsthomebuyers #equity #refinance #propertyinvestment #brokerlife #brokersarebetter #debtconsolidation #propertyinvestor #HappyValentinesDay2021 #loveforproperty #weareopen

05.01.2022 Here are the different cost that are / maybe applicable at different stages of loan journey. Purchase price OR Land price - The actual value of the property you are purchasing Stamp Duty - Government Charge based on the contract price/purchase price ... Transfer of Land - Government Charge based on the contract or purchase price to transfer the land legally from one entity to another Registration of Mortgage - Cost charged by the Titles office to Register the Mortgage on behalf of the Lender Discharge of Mortgage - Cost charged by the Titles office to Discharge the Mortgage on behalf of the Lender when the loan has been fully repaid or if you are refinancing Discharge Fee - A fee the lender normally charges to organize the paperwork for the discharge of your loan Economic Break Costs - If the lender incurs an economic break cost this cost is passed onto the customer if they pay out the fixed loan early Application Fee - A fee the lender may charge to organize your loan - Rest assured if they do not charge this fee then they are most likely to charge other fees Valuation Fee - A fee the lender may charge to value the security that you are purchasing. This valuation also ensures that the security property is acceptable to the lender Settlement Fee - A fee the lender may charge to organize settlement of your loan. Legal Fee - A fee the lender may charge to organize your paperwork Brokerage - I don't charge any other fees for my services - in fact Solicitor/Conveyancer - (I want you to be safe) A fee charged by S/C to check the vendor statement and Contract of Sale - The Vendor statement is the legal description of the property - & I am not qualified to check this out Mortgage Insurance - A fee charged by the Mortgage Insurer if the LVR is>80% this cost is charged by the MI and passed onto the lender and the lender passes this cost on to you General Insurance - A fee charged by an Insurer to insure the property you are purchasing Income Protection - A fee charged monthly or annually to protect the consumer in case of loss of income normally sold by financial planners Security Guarantee Fee - A fee charged by the Lender when an additional security is being used in order to negate LMI Adjustments - An allowance for the reimbursement of Council/Water Rates paid by the vendor in advance as of the settlement date #firsthomebuyers #mortgagebroker #brokerlife #homelending #homeloanspecialist #stitchfinance

03.01.2022 Bank Or Broker - It’s not a debate anymore. But if you insist Here are few reasons why brokers are better - 1. Broader Choices - A bank/lender will only offer you its own products, a finance broker is an industry expert who will take the guesswork out of finding the mortgage product across lenders that suits you and your needs. ... 2. The leg-work - Finance Brokers already know the industry, the lenders, their products, and their appetite, saving you a lot of time and energy on research. 3. Find a Good Deal - Loan providers are always spruiking a special deal or two, and these could make a big difference to your repayments and save you money. A finance broker will know which of the deals on the market will be appropriate for you. 4. They are in it for the long haul - A finance broker will oversee and manage the loan’s progression right through to the settlement. That is not where it ends; you can expect your finance broker to keep track of you and your changing needs, helping you should you need to switch products or wish to purchase another property. I am a qualified Finance Broker who helps people buy their first home, refinance existing loans for home owners and step on the property investment ladder. Whatever you goal, I am here to help you secure the finances you need. Stitch Finance Making Dream Happen Now 60% of home loans are written by Brokers #mortgagebroker #firsthomebuyer #pointcook ##wyndhamcity #propertyinvestor #homeownershipgoals #financebroker ##firsthomebuyerloans #makingdreamshappen #brokerlife #brokersarebetter

01.01.2022 May this year bring you all a healthy, joyful, and prosperous year of Ox. I look forward helping you achieve your property dreams by securing finance for you. I can help you with -... 1. Thinking to buy your first home, do not know where to begin 2. Want to access Equity for renovation or other reasons 3. Refinance to a better rate by taking advantage of lower rates and cashbacks 4. Reduce your monthly outgoings by consolidating all your debts 5. Ready to grow and buy an investment property #mortgagebroker #firsthomebuyers #equity #refinance #propertyinvestment #brokerlife #brokersarebetter #debtconsolidation #chinesenewyear2021 #propertyinvestor