The Home Loan Company in Sydney, Australia | Company
The Home Loan Company
Locality: Sydney, Australia
Phone: +61 1800 242 324
Reviews
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25.01.2022 Deposit Bonds can help you secure your Property without paying your 10% Deposit. Sometimes a purchaser doesnt have the cash ready to pay a 10% deposit on the purchase of a property. A deposit bond or guarantee is an alternative to a cash deposit. However, it is important to understand what it is and know its limitations so read on. http://www.hlc.com.au/blog
25.01.2022 With the RBA leaving the cash rate at 1.5% today, what's your idea for saving for your next holiday before rates go up again ... I've got one or two, let's start with your mortgage!
25.01.2022 Happy mothers day to all our super women out there. Have a beautiful day
25.01.2022 Knowing what a property is worth is key to not paying to much for it! Ask me for a property report before you buy. https://www.facebook.com/mfaaessenti/posts/1262147393876839
24.01.2022 From 1 January 2019 APRA will be removing it's 30% limit on interest only lending for most ADI's. So what does this mean for investors and owner occupiers? Read through on HLC's link here http://www.hlc.com.au/blog/ Wishing all our lovely supporters a merry, safe and fun Christmas. If you want some extra money in your pocket after Christmas, we can help you with that with rates as low as 3.69%
24.01.2022 Brisbane ranked 4th in the world for ... http://m.yourinvestmentpropertymag.com.au//brisbane-ranked
23.01.2022 A good subject to consider by agents Simeon Manners Northern Beaches/Mosman. Call Julia Laaman to help you. Read on and see if you can find out why I like it!
23.01.2022 Don't have a cleaner/housekeeper? There are many reasons why we may not ... budget, it's easier to do it yourself, etc but when you factor in that you can more productively spend your time elsewhere such as quality time with family or making your business more successful, it deserves more consideration than you think so read this ... https://www.care.com//59/8-reasons-you-need-a-housekeeper/
22.01.2022 I know everyone is busy with just 4 sleeps to go so I just wanted to say ...
22.01.2022 The 2016 Census results are out...did you catch it? Here's your executive summary :) http://www.news.com.au//n/25edb471e3e513c43d27a994d119b7ca
21.01.2022 First Home Owners and downsizers are the winners in last nights budget. Follow this link for a summary of how it also affects housing investors ... http://www.hlc.com.au//housing-centrepiece-may-2017-feder/
21.01.2022 Whilst this won't necessarily be helpful for first home buyers close to the city, it will be for NSW as Stamp Duty Exemptions have been announced for first home buyers who are purchasing existing properties worth up to $650,000 will be exempt from stamp duty from July 1st. At present, the exemption is only available for those buying new homes. There'll also be stamp duty discounts for first home buyers purchasing properties worth up to $800,000, while stamp duty charged on mo...rtgage lenders insurance will also be scrapped. Stamp duty concessions for investors purchasing off the plan are also being removed. http://www.sbs.com.au//nsw-government-announces-stamp-duty
19.01.2022 Many people with home loans dont even know if their home loan rate is competitive and dont realise the financial benefit of switching their loan. Recently we saved a client with a $700k mortgage $412pm in repayments (which is $4,944pa or $148,320 over the life of the loan!). These savings give our clients breathing space, pay for a holiday or help them pay down their loan even more. Dont set and forget. Rates wont stay this low for much longer and its easy to have us check your home loan savings. So lets get you started on saving for that holiday!
18.01.2022 I love this weeks new office
18.01.2022 With growth in the Sydney market over the last couple of years creating equity for home owners, releasing equity to purchase investment properties and grow wealth is a solid investment option. With returns of 13.5% pa compared to 5.5% shares / 5.8% Managed Growth Funds (Source: ASX 10yrs to 12/15), it's a no brainer! If you are looking to buy an investment property make sure you know the property cycle you are buying in and how to maximise on your finance. It can make or break your goal to create wealth. As Buyers Agents and Mortgage Brokers we can help you with sourcing and financing your investment ... safely. Let us know if you or your friends would like to know more :)
16.01.2022 If you have an investment loan or interest only loan you will want to ready this http://www.hlc.com.au/blog/
14.01.2022 With lenders moving their home loan rates up last week out of cycle, it's good to see the RBA didn't change the cash rate today leaving it at 1.5%. But time is running out ... contact me now to take advantage of low home loan rates before they go up again ... I'm confident I can get you less than 4% on your home loan.
14.01.2022 Big Australia Day Quiz: Happy Australia Day everyone :) http://www.dailytelegraph.com.au//30bb21ac2e8ca537eb7f086a
13.01.2022 Most of the time, the person listed on a propertys mortgage is the same person listed on the propertys title, or deed. For example, if a couple buys a property with a mortgage, both are typically named on the mortgage and deed. However, under some circumstances one person may want to be on the mortgage but not on the deed. Find out why here http://www.hlc.com.au/blog/
13.01.2022 Everyones talking about Rent Vesting: Wanting to get on the property ladder and live where you want but the cost of living there is just too high for your budget? Want a flexible budget and take advantage of tax deductions to increase your take home pay? Rent vesting may be for you. Its nothing new, but means you purchase an investment property and rent a property for yourself rather than buy a property to live in. Follow our link to compare a lifetime of renting vs buying? http://www.hlc.com.au/blog/
13.01.2022 If you have owned a property in Sydney's for more than 2 years you will have noticed an increase in the value of your property. Now's the time to unlock the value in your home to grow your wealth even further. Ask me how ... http://view.email.domain.com.au/
13.01.2022 Happy International Women's Day #BalanceforBetter It's a day when you do what you can to make a difference to women all around you and celebrate women's individual and collective success.... Don't worry guys ... your turn is on 19 November when it's International Men's Day!
13.01.2022 There are very competitive home loan rates in the market for owner occupiers if you are prepared to choose principle and interest and this is a great time for you to consider saving money on your home loan. But what about investors? An important component of investment lending is to utilise interest only (IO) repayments. In the last month most lenders have increased their interest only rates on loans by around 0.3%. In addition, if the purpose is for investment, many have an additional interest rate loading of 0.2% so it all adds up. Some lenders will no longer offer you an interest only option on owner occupied properties and others have reduced how much you can borrow if interest only is required. Follow this link to find out more if you're an investor http://www.hlc.com.au/2017/06/14/interest-rate-gone/
10.01.2022 Enjoy your long Easter Weekend everyone ... it's just a few hours away :)
09.01.2022 For our valued clients Your lender will have contacted you in relation to support they can provide you during this COVID-19 crisis and we want to reach out to you also to ensure you know that The Home Loan Company is here to support you too. We encourage you to make contact with your lender if you need financial assistance and to understand what is available to you during this time. Your lender can offer you options to reduce the impacts of COVID-19 which could be in the for...m of a deferral of loan repayments for a period of 3 to 6 months, considering a variation of loan repayments (i.e. converting principal and interest loans to interest only for a period of time) or a reduced rate of interest. Just visit their website and follow the prompts. We have listed lender contact numbers and website links for you here http://www.hlc.com.au/blog/ We have previously gone through a similar time during the GFC and we remain determined to overcome COVID-19 too. If there’s anything we can do to help please reach out.
09.01.2022 I had a customer this week who had a high level of credit enquiries on his credit file making getting him a new loan almost impossible. Were encouraged to shop around but in doing so there is an enquiry listing put on your credit file each time you apply for finance. When you apply for a loan you are asked to check a box saying your credit file can be accessed so the lender can see if you are going to be a good loan prospect. So it looks like youre shopping around for fi...nance and failing or making multiple applications at the same time. This is when your score will take a dive. So ... if you are seeking finance resist the urge to shop around yourself. Thats what mortgage brokers do for you without harming your credit rating. Credit repair companies can remove fraudulent or duplicate enquiry listings, but can't help with multiple enquiry listings. If you're curious you can check your credit score for free at https://www.annualcreditreport.com/reque/landingPage.action See more
07.01.2022 First Home Buyers? Are you Eligible for the new Grants? From 1st July First Home Buyers in NSW: a. No longer have to pay stamp duty for homes up to $650k, b. Nor do they have to pay duty on their LMI up to $650k... c. Additionally if they are building or moving into a brand new home up to $600k they will receive a $10k grant According to the ABS first-home buyers make up only 13% of the market and have been holding off buying until the stamp duty changes. Buyers may also have tight budgets so its critical to choose a home loan that offers great value. If you know a first home buyer, put them in touch with us and we'll find the right home loan and the right lender to achieve their goals.
07.01.2022 The RBA kept the cash rate at 1.5% this month for the 19th time! If your owner occupied home loan rate isn't around 3.7% you're throwing your money down the drain. Investor rates have also dropped this week. Most people have a home loan. If we can help you, a friend or colleague, please pm us. For many of our clients we're saving them thousands a year!
06.01.2022 We have access to a fantastic home loan rate for you right now at 3.69% till Mid May. Bet you could save at least $100pm. Let us know if you want to save money and spend it on what you really want!
05.01.2022 If you've been patient, it could be about to pay off https://t.co/0kOm0UM0ZK
04.01.2022 "Doing business is a game, the greatest game in the world if you know how to do it" - Forbes. Ditch your New Years resolutions and set your annual goals for 2017? Now is a great time to do it. https://www.mindtools.com/page6.html
04.01.2022 The RBA kept the cash rate at 1.5% today. That makes a full year since the cash rate last moved. I'll say it again, start saving money ... talk to us now.
02.01.2022 In it's last cash rate decision for 2019, the RBA has held the official rate at 0.75% in line with market expectations. Analysts are expecting the RBA to monitor the reductions in June, July and October in supporting its objectives of sustainable growth in the economy, full employment, and 2-3% inflation. There are some competitive rates in the market right now. Let us know if we can help you save!
01.01.2022 Even I am saving on my mortgage so I can spend $$ where I really want
