SUM+ Home Loans in Parramatta, New South Wales | Financial planner

SUM+ Home Loans

Locality: Parramatta, New South Wales

Phone: +61 1300 761 197

Address: 17/423 Church St 2150 Parramatta, NSW, Australia

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

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25.01.2022 Have you had to dip into your savings due to COVID-19? If so, you're not alone. A recent study suggests a third of Australians have dipped into their savings this year due to the pandemic.* Rest assured though there are ways we can help you reduce your monthly expenses, including refinancing your home loan.... If you'd like to find out more, call 1300 761 197, email [email protected] or DM us. * MyState Bank survey #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

25.01.2022 When was the last time you were in tune with the RBA's cash rate cuts? If you haven't looked into refinancing in the last 18 months, then don't miss a beat - now's a great time to do so! There have been six RBA rate cuts since June 2019 - including one on Melbourne Cup Day - meaning you could be significantly overpaying on interest if you haven't refinanced. ... For a home loan tune-up, call 1300 761 197, email [email protected] or DM us. #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

24.01.2022 So you think you’re a trivia buff, huh? Let’s see how you go with our finance jargon quiz.

24.01.2022 If you didn’t back a winner on Melbourne Cup Day then fret not: the Reserve Bank of Australia (RBA) has delivered mortgage holders a win by cutting the official cash rate by 15 basis points to a new record low of 0.10%. And the RBA says the rate is likely here to stay for three years.

23.01.2022 Do you know a potential First Home Buyer? Tag them below in this need to know article

23.01.2022 Do you know a First Home Buyer? Tag them below in this need to know article

22.01.2022 Did you know that last year, 7.2 million Australians spent up to five months paying off their Christmas debt? In this weeks article we discuss the things you need to know about spending & debt so you don't end up in the same situation.

22.01.2022 REMINDER: We're all in this together!

22.01.2022 Optimism alert! Optimism alert! We're a pretty upbeat bunch around here, but we don't even hold a candle to first home buyers right now. Turns out a huge share of first-home buyers are feeling confident about the housing market, with 53% saying they are likely to buy in the next 12 months.*... So why are first home buyers so upbeat? Well, it doesn't hurt that there's a range of generous government incentives currently available, such as the HomeBuilder scheme, not to mention state government first home buyer grants and stamp duty exemptions. To find out more, call 1300 761 197, email [email protected] or DM us. * ME Bank #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

22.01.2022 Get more out your tax return in 2020

22.01.2022 What do you think is the best type of property to invest in right now? House, townhouse, apartment, commercial or land? Well, almost 600 Australian property investors recently had their say and 74% reckon the answer is 'house'.*... But hey! More than a quarter would invest their money in the others, so there's no right or wrong answer. If you've been thinking about adding to your property portfolio, call 1300 761 197, email [email protected] or DM us. * 2020 PIPA survey #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

22.01.2022 Ever wonder how investors really make it? What if we told you the method wasn't as hard or complex as you think? Good news - it's not and we've got the inside scoop in our latest piece just for you!!

21.01.2022 This week we go through who the different parties involved in purchasing property are! You will be surprised with this one - it's not who you might think! Click the link below to have a read

20.01.2022 Are you paying .5% more on your home loan interest rate than you should be? Don't settle for less than you deserve! The average existing mortgage holder had a home loan rate of 3.19% in August, yet new owner-occupier customers were offered a rate of just 2.69% on average.*... If it's been a while since you last refinanced then simply get in touch with us today - we'd love to help you save hundreds (and possibly thousands) of $$$ each year. To find out more, call 1300 761 197, email [email protected] or DM us. * RBA #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

20.01.2022 Asset Finance & the things you need to know!

20.01.2022 We're answering the most common question we get asked by our clients in today's article!

19.01.2022 Had your business loan knocked back? You're not the only one - as many as 1 in 4 businesses have had their application for credit rejected by lenders this year*. But don't let it keep you down - there are ways to shore up business finance that you might not have explored yet.... To run through your financing options, call 1300 761 197, email [email protected] or DM us. *Source: Sensis Business Index #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

19.01.2022 While you were kicking your feet up over the festive season, did you flick open your phone and scroll through real estate listings in your dream location? If so, you might’ve noticed there were fewer properties for sale than usual. Here’s why.

19.01.2022 What's the interest rate on your home loan? If you don't know, you're not alone. 1 in 3 mortgage holders doesn't know what their rate is, while 86% have a rough idea but can't quote the exact figure.* Now, we're not into rate-shaming, but if you don't know yours, it may be a sign you're due for a home loan health check.... To get the ball rolling, simply call 1300 761 197, email [email protected] or DM us. Source: UBank #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

19.01.2022 Overcoming mortgage stress in 2020 2020 hasn't exactly been the greatest of years. And for 40% of Australian households*, it's been a time of mortgage stress - with outgoing costs exceeding income. If you're feeling the pressure, we may be able to help you:... - refinance to lock in a lower interest rate - switch to a home loan that better suits your current needs. - consolidate your debts, which could save you money and simplify your repayments. To find out more, call 1300 761 197, email [email protected] or DM us. *Source: Digital Finance Analytics #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

18.01.2022 Construction loans & what you should know

18.01.2022 Keeping your credit score healthy is just as important as keeping your bodies healthy & here's why!

18.01.2022 Thinking of upgrading your home? Take a read and get new mortgage ready with our team here at SUM+

17.01.2022 Trend alert: offset accounts It's not exactly the latest Parisian fashion trend, but Australians have recently been putting more money into their offset accounts.* What is an offset account? It's a transaction account that's linked to a mortgage account and it reduces the interest you pay on your loan. ... That's because you only pay interest on the difference between the amount of money in the account and what's left to pay on your mortgage. So let's say you owe $400,000 on your mortgage, and you have $50,000 in a savings account. If you move the $50,000 into a full offset account, you’ll only pay interest on $350,000. Keen to find out more? Call 1300 761 197, email [email protected] or DM us. *Source: RBA #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

16.01.2022 Thank you for your support in 2020! Here's to a happy, healthy and prosperous 2021! From the team @sumplusfinance... #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

16.01.2022 A small glimpse into the property market post pandemic.

16.01.2022 We dream big in Australia. The Big Prawn, The Big Pineapple, The Big Banana and turns out we do Big Houses as well. Try and guess who we just knocked off the number 1 spot?

15.01.2022 Good financial habits start at home

15.01.2022 Considered downsizing to a more manageable property lately? You're in good company. Turns out 26% of Australians aged 55 or older have, and a further 29% have thought about doing so.*... The top three reasons for downsizing are: 1. To achieve a particular lifestyle (27%) 2. For financial outcomes (27%) 3. The current garden or property requires too much maintenance (18%) To discuss your downsizing finance options, call 1300 761 197, email [email protected] or DM us. * AHURI #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

15.01.2022 This is Steve. Steve is brokenhearted. Steve thought it would never happen to him. Don't be like Steve.

15.01.2022 Inspiration or imitation? Home design in an online world

14.01.2022 You know how the RBA cut the official cash rate the other day? Well, mortgage holders and business operators are being encouraged to switch lenders if their bank doesn’t pass it on. Here’s how we can help out!

14.01.2022 How do you feel about the property market right now? Believe it or not, confidence in the housing market has been on the upswing in recent months.* In fact, Westpac's ‘time to buy a dwelling’ index is at its highest level since September 2019. ... So, how about you? Have things on the financial and property front started to little more exciting recently? If so, call 1300 761 197, email [email protected] or DM us. * Westpac Consumer Sentiment Index #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

13.01.2022 Not sure what a fixed rate really means? Let us help!

13.01.2022 . How much do you spends on gifts each month? (let alone Christmas!) $20, $50 or 100? It turns out we're a generous bunch, spending about $100 a month on gifts, let alone the silly season itself!* What we're getting at is this: it's always a good idea to try and budget for gifts throughout the year so you can pay for them outright when the festive season arrives.... That's because you don't want to leave it all to the last minute as the banks don't look too favourably upon buy-now, pay-later transactions (like AfterPay and ZipPay) when you apply for a loan. * Financial Planning Association of Australia #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

12.01.2022 Reminder: The doors at SUM+ HQ are closed but the team are still here to help you. Our team is all working safely from home at the moment which means our office phone line is inoperable so here’s how you can get in touch with our team. For new loan enquires, restructures and refinances or if you are going through financial hardship due to Covid-19 support please call, text or email our brokers.... For pending settlement, post settlement assistance or to make an appointment with one of our brokers please contact Christina via email on [email protected] NOTE: The number of enquiries has increased since Covid-19 so we ask for your patience at this time - we will get back to everyone as soon as possible. Adrian - 0413619100 or email [email protected] John - 0405087931 or email [email protected] Kairas 0437400967 or email [email protected]

12.01.2022 Woah! Get a load of this: 2nd hand car prices have jumped up 25% this year!* There's a good reason for it: fewer new cars are being imported into the country due to coronavirus, which is driving up prices in the used car market. With that in mind, it's never been more important to have us riding shotgun with you when making a vehicle purchase.... That's because with prices so high, it's vital to have us help you secure a super competitive rate on your car finance, rather than relying on what the car dealership is offering. To find out more, call 1300 761 197, email [email protected] or DM us. * Moody’s Analytics price index #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

12.01.2022 Quarter of SMEs risk shutdown without support Government income support has been a lifesaver for many SMEs this year, but it won't last forever. Modelling shows 1 in every 4 businesses that have been recieving income support would shut down if that support is removed before market conditions approve.* ... So if you'd like to explore your 2021 financing and funding options, call 1300 761 197, email [email protected] or DM us. * RBA #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

12.01.2022 How to spring clean your finances 1. Review your expenses and update your budget. 2. Get rid of unnecessary transaction accounts. This can help you save fees and keep track of spending. 3. Consider consolidating debts. This can help you simplify repayments, save money and provide a clear timeline to being debt-free.... To find out more about consolidating your debts, call 1300 761 197, email [email protected] or DM us. #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

12.01.2022 Team SUM+ are taking part in One Foot Forward to make a difference to people in Australia living with mental illness. Please sponsor us and support our efforts to make a difference. Simply click here to make a donation to our page. https://www.onefootforward.org.au/fundraiser/sum

11.01.2022 You've probably heard the term used a dozen times but do you REALLY understand what it is and how LMI could help you?

11.01.2022 What's your home office like? Kitchen table or 'grammable set-up? Home offices are getting a lot of attention in 2020, with the number of home buyers searching for a home office as part of their next property purchase spiking since COVID-19 hit. In Victoria there was a whopping 1107% increase in searches during Lockdown 2.0 in June/July.... So whether you're an employee working from home for now, or you're thinking of starting your own home business, investing in a decent home office may well make your property more appealing to buyers down the track. And if you are looking to start your own business, well, you know where to find us when it comes to seeking finance! *Source: Domain #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

11.01.2022 If you could buy one asset to improve your business in 2021, what would it be? A new van to help your hip new ice cream shop become more mobile? A whiz bang coffee machine to help your barista make more lattes? ... Or a new and improved tractor to help out around the farm? Whatever you've got your eye on, know that you can now immediately write off any eligible depreciable asset, at any cost, up until 30 June 2022. It's called 'temporary full expensing', and it's to help businesses like yours improve cash flow during the COVID-19 pandemic. To find out more, call 1300 761 197, email [email protected] or DM us. #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

11.01.2022 Think home ownership is out of reach? Think again! The First Home Loans Deposit Scheme is allowing thousands of young Australians to purchase their first home with just a 5% deposit while not paying Lenders Mortgage Insurance - which can save you thousands and thousands of dollars. 20,000 applicants were accepted for the scheme in rounds 1 & 2, so you won't want to miss out on round 3.... But you've got to be quick - as the places fill up fast. So if you're ready to make your home buying dreams a reality, call 1300 761 197, email [email protected] or DM us. #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

11.01.2022 Does thinking about money make you anxious? If 'yes', then don't worry, you're not alone. As many as 73% of Millennials admit that they struggle to prioritise their finances because thinking about money makes them anxious.*... But doing things like exercising daily, paying your bills on time, and knowing how much money is in your bank account can help relieve that stress. * Commonwealth Bank of Australia #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

10.01.2022 How to save $25,000 on a new home or renovation The Australian government is currently handing out $25,000 grants through what's known as the HomeBuilder program. It's available to eligible Australians building a new home for less than $750,000, or to those who spend between $150,000 and $750,000 renovating an existing home.... But if you want to take advantage of the scheme, you’ll want to get in touch with us asap as the deadline for the $25,000 grant is Dec 31. Not only can we walk you through how to apply for it before the upcoming deadline but, just as importantly, we can assist you when it comes to applying for finance. To find out more, call 1300 761 197, email [email protected] or DM us. #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

10.01.2022 Should you be locking in your rate? As with many things in life, it all depends on your individual circumstances and preferences. You might prefer not to lock in a rate if you:... - don’t mind having some unpredictability in your financial planning - are confident interest rates will continue to fall - prefer to go with market rates. On the other hand, you might want to lock in a rate if you: - are concerned you'd be unable to make repayments if rates rise - prefer to plan your finances accurately - won’t suffer from FOMO if rates drop further. To find out more, call 1300 761 197, email [email protected] or DM us. #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

10.01.2022 Thinking about switching? Let us help you break it down

10.01.2022 Think you're too young to be a property investor? Think again! Did you know that more than 40% of Australian property investors are under the age of 50?* That means there's almost 900,000 property investors aged between 19 and 49 across the country.... If you'd like to help nudge that figure closer to the 1 million mark, then call 1300 761 197, email [email protected] or DM us. * ATO #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

09.01.2022 Wondering what you should do with your mortgage during the global pandemic?

09.01.2022 Stamp duty: two of the most dreaded words in the world of property and finance. Fortunately, NSW and Victoria have unveiled some big changes to the inefficient tax, and there’s hope it’ll inspire other states to review their own stamp duty arrangements.

08.01.2022 This week we are bringing you 7 of our top tips for absolute mortgage success!

08.01.2022 ‘Tis the season to be jolly, but it’s important not to get carried away when using ‘buy now, pay later’ providers to fund that festive spirit. Here’s what you need to be wary of.

08.01.2022 Need or want to consolidate? Here's what you need to know

08.01.2022 Ever thought about becoming a 'property investor'? It's not as out of reach as you might think. In fact, 43% of Australian property investors own 2-4 properties, whereas 19% own 5 or more*.... So if you've ever thought about making the leap from homeowner to property investor, or if you want to add to your property portfolio, call 1300 761 197, email [email protected] or DM us. * 2020 PIPA survey #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

06.01.2022 This week we take a look at the pros & cons of fixing your home loan in this current market! Be sure to reach out if you have any questions.

06.01.2022 Great news for First Home Buyers!!!

05.01.2022 Apps to make your finances easier!

05.01.2022 Team fixed or team variable? Let us know your thoughts!

05.01.2022 Low rates, high risk?

05.01.2022 Do you hate missing out? Did you know that you could be missing out on big savings by not switching your home loan? For example, a borrower with a $250,000 home loan that's between three and five years old could save more than $1,400 in interest in just the first year alone, simply by switching lenders.*... So if you'd like to switch things up, call 1300 761 197, email [email protected] or DM us * ACCC #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

04.01.2022 How long do you think it takes a First Home Buyer to save a deposit? The short answer is around 3 to 6 years, depending on where you want to buy.* If you're just itching to enter the market your best bet is Darwin, where it takes an average 3 years 1 month to save a 20% deposit. In Sydney you'll have to be most patient - waiting about 6 years 6 months to get the cash together. ... But the good news is that wait times are expected to go down, thanks to lower interest rates, reduced investor activity and generous government incentives such as the first home loan deposit scheme. So if you're saving for your first home, find out more, call 1300 761 197, email [email protected] or DM us. You may be closer to a deposit than you think! * Domain #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

04.01.2022 New granny flat tax exemption Ever looked into building a backyard granny flat for a friend or family member? You might have been put off by the capital gains tax (CGT) implications, but that roadblock is being removed. As of July 2021, CGT will not apply to formal written granny flat arrangements providing accommodation for older Australians or people with disabilities. ... So if that's just the green light you need to dust off your granny flat plans, call 1300 761 197, email [email protected] or DM us. #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

03.01.2022 Need a new asset for your business? Have we got news for you! Businesses, both big and small, can now immediately write off any eligible depreciable asset, at any cost, up until 30 June 2022. It's called 'temporary full expensing', and it was announced by the federal government in their latest budget. ... If you'd like to make the most of it for your business, get in touch with us today to discuss your financing options for the scheme. To find out more, call 1300 761 197, email [email protected] or DM us. #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

03.01.2022 Wishing you a Merry Christmas and a happy holiday season! (We've all earned it this year, that's for sure!) From the team @sumplusfinance... #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

03.01.2022 With 2020 finally done (good riddance), what's in store for 2021? Well, early signs for the housing market are promising. That's because properties across the country are being tipped to bounce back strongly and surge by 5 to 9% in value this year.*... So if you're thinking of purchasing a new property soon, call 1300 761 197, email [email protected] or DM us. * SQM Research #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

03.01.2022 Is now a good time to buy a home? 'Well, housing affordability is at its best level in a decade and should continue to improve throughout 2021, according to a new report. How is this possible during the current global pandemic? Our latest article explores that very question.

02.01.2022 Been thinking about a new build or reno lately? Thousands of families across the country look to have rolled up their sleeves and committed to it, according to the latest ABS data.

01.01.2022 Did you know there's a global shortage of new cars right now?* That means it's never been more important to have a broker like us in your corner when purchasing a new set of wheels. We can help you arrange a great finance solution for the purchase so that you can negotiate with the car dealership with extra confidence.... So if you've been thinking about purchasing a new vehicle lately, call 1300 761 197, email [email protected] or DM us. * ABC #Sumplus #SumplusFinance #2020financegoals #Parramatta #ParraBrokers #WesternSydney #mortgagebroker #refinance #homeloans #mortgages #homebuyer #homeownership #timetobuy #dreamhome See more

01.01.2022 HomeBuilder Scheme and what you need to know!

01.01.2022 Ahh, spring. It’s fair to say we love it around here. Consumer sentiment is surging, confidence in the housing market is booming, and the number of experts tipping a Melbourne Cup Day cash rate cut is increasing. Let’s look at why.