Thrive Investment Finance in Gold Coast, Queensland | Mortgage brokers

Thrive Investment Finance

Locality: Gold Coast, Queensland

Phone: +61 419 780 840

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• Mortgage brokers

25.01.2022 Practical hints on how to help your credit score ......It's now the first thing we need to check with lending applications ...and low score can be an automatic knock out for an application...best to know upfront !

25.01.2022 Most of us know about reduce, reuse and recycle, but there are other "Rs" in the glossary of sustainability that can benefit both pocket and planet.

25.01.2022 A nice way to manipulate your worry :)

24.01.2022 3rd round of First Home Load Deposit Scheme assistance - now for New homes only - This is where it saves you paying the Lenders Mortgage Insurance - The banks have started to release these positions ...past experience says they go quickly ...T & C's apply

23.01.2022 Change up in grant with time extension = Ongoing opportunity

23.01.2022 Tips for creating an eco-friendly grocery shop that won’t cost you (or the planet) the earth + a few products that’ll make your supermarket shop a little greener.

23.01.2022 So not just me then

23.01.2022 In fact you could start right this minute. What's stopping you?!

23.01.2022 Should I stay or should I go now ? The Clash posed the question (you will be singing that song in your head all day now ...you're welcome !) ...and it all comes down to are you being respected by your current lender ? Do they deserve your loyalty ? Like to find out what the competition is doing ...or more importantly what your bank will offer a new customer ? Call me 0419780840

22.01.2022 For those that are concerned in regard to their loan payments and are considering deferring payments for 3-6 months , the ABA offers some comfort around keeping your credit records safe during this time . Please ring me if you would like to disucss your personal lending situation. Trish 0419780840

22.01.2022 You’ve worked hard, steadily built up some savings, got a mortgage now isn’t it time your money worked as hard for you? Contact Trish - 0419 780 840

22.01.2022 Gorgeous!! (If you're the kind of person who can keep plants alive!)

22.01.2022 Some good solid advice for real estate purchase around what to do and what order to do it in ...hint......big hint....save some heartache (yours and mine) .....Finance always comes first ! :)

22.01.2022 It has been announced that there is a potential extension of deferred payments on the cards ....but is it right for you ? How much will it really cost you ? For some this will be a relief and of great assistance but for other's it might not be necessary. Please reach out if you would like to discuss options and ramifications of your mortgage payment choices

22.01.2022 Great work being done for people in need.

21.01.2022 It takes a village right ? Well a buyers agent and a finance broker are an important part of your village and support network when purchasing property and arranging finance (can't help with raising the kids ...you're on your own there!) If you'd like to learn about how we work together and help you on your property travels then please watch out snap shot attached . #firsttimehomebuyer #homebuyingtips #finance

21.01.2022 Attention First Home Owners QLD FHOG Property Limit <$750,000 QLD FHO Stamp Duty Concession <$500,000 FHLDS property value limit $475,000 National Home Builder grant property limit new $750,000... How will it work for you , - Citizen, income caps, genuine savings, post code restrictions, employment terms/contracts/job keeper, parental gifts , credit reports, credit scores, 2020 tax requirements ....... Are you buyer ready .... Maybe your time is NOW ! Call Trish to wash off the mud and see clear into your future

21.01.2022 WE are starting to see some economic predicitions on how the world and Australia will recover ...the good news is we will recover :)

20.01.2022 Interesting !!) ? Welcome to 2021 ...maybe another year of seeing and experiencing things we never thought possible. Wishing you a bright , happy, safe and successful year . If you would like to have your loan reviewed to see what Australia offers - give me a call.

20.01.2022 Are you a First Home Buyer or know someone who is ? Exciting news ! Latest government update- '3 October 2020: The Australian Government has announced an additional 10,000 First Home Loan Deposit Scheme places will be provided for the 2020-21 financial year, to support the purchase of a new home or a newly built home. Further information will be provided to the FHLDS participating lender panel and available on the NHFIC website towards the end of the week (w/e Friday 9 Octo...ber 2020). The First Home Loan Deposit Scheme is an Australian Government initiative to support eligible first home buyers purchase their first home sooner. Usually first home buyers with less than a 20 per cent deposit need to pay lenders mortgage insurance. Under the Scheme, eligible first home buyers can purchase a modest home with a deposit with as little as 5 per cent (lenders criteria also apply). This is because NHFIC guarantees to a participating lender up to 15 percent of the value of the property purchased that is financed by an eligible first home buyer’s home loan. There are currently 27 participating lenders across Australia offering places under the First Home Loan Deposit Scheme. https://www.nhfic.gov.au/what-we-do/fhlds/' Like to know more - please contact Trish 0419780840

20.01.2022 Happy Father's Day for Sunday :) Hope it's a fabulous day and you feel loved and appreciated for how special you are.

19.01.2022 It is not what we earn or how old we are it’s our underlying attitudes that have the greatest influence on our financial outcomes.

18.01.2022 After years of renovating old houses, this decorator loved building a modern country getaway from the ground up.

17.01.2022 In case you need a laugh today :)

17.01.2022 Changed requirement for First Home Loan Deposit Scheme

17.01.2022 Think long game when it comes to your money

17.01.2022 Interesting thoughts around stress and how we think about it

16.01.2022 If you are in business and have been delaying purchasing equipment or vehicles, this government incentive & extension might help with your time line for purchasing

16.01.2022 So, now that you are on board with a budget and paying off debt, how do you get your spouse on board?

15.01.2022 Looking to complete a major renovation or new build ...the government has a little sweetener for you ..it might just be the incentive you were waiting for to take the leap and start

14.01.2022 The ATO describes SMSF as "Self-managed super funds (SMSF's) are a way of saving for your retirement. The difference between an SMSF and other types of funds is that the members of an SMSF are usually also the trustees. This means the members of the SMSF run it for their benefit and are responsible for complying with the super and tax laws." Where I come in , is to help with the borrowing /lending specifically tailored for the SMSF fund ....like to know more ... call Trish 0419780840

13.01.2022 Whether your home renovation is two, six or 18 months away, the lead-up can be more nerve-racking than the build. But it doesn't have to be this way - there's an abundance of renovation experts, self-help books and online guides to help you plan and manage any project.

13.01.2022 When you’re on the hunt for a new property, there are so many things to consider location, amenities, is there room for a man cave? What you might not have thought about, particularly if you don’t yet have school-aged kids, is the impact state school zoning can have on property prices.

13.01.2022 A quick synopsis on some of the changes from last nights budget ...in case you haven't been inundated with this info already :)

12.01.2022 Is it a question of rate ? Yes but No ? Is it more about the fit ? As a finance broker I look at rate as an important part of the end equation and result .... but it is often that the rate is the last part to take into consideration (albeit important), even though it is possibly the first and sometimes only question clients may have asked. ... Why ...because policy/procedure/personal requirements must come first. You could have found a fantastic rate online, but it will not be applicable to you or your circumstance. Let us look at an example - traditionally the lowest rates will be offered for the lowest risk, by that I mean that if you are borrowing a low loan to valuation ration of say sub 60% e.g. $250,000 against a $450,000 normal residential house as opposed to a 95% lend where you would borrow $427,500 against the same house you can provide full evidence of income (full Doc loan not Alt doc) been with the same employer for x years have stable employment and residential address have clean credit have good credit score have genuine savings can show strong affordability (income Verses expenses for past 3-6 months) will have low debt to income ratio property is in the right post code property now within x amount of metres of high voltage electricity property is in good repair property is standard (not too big or too small ...has general appeal) property report/valuation confirms clients estimate have enough money or can afford to borrow for the government duties then ... you might qualify for the great rate you found or heard about from a friend/neighbor/family ...but if there is a question mark about any of the above then the product or rate and funder might change as we make these discoveries together. So, I work together with my clients to understand their personal lending profile and then provide the choice of products and rates with the right policy fit behind them. Like to know more Please contact me for an appointment Trish 0419780840

11.01.2022 Now, more than ever is the time for discipline

10.01.2022 The finance industry looks fairly fluid at present reacting to the changed environment and some of the majors have issued information as to assistance on offer. There are also government incentives that could potentially assist you at this time. Hoping you and yours stay safe and well during this time.

10.01.2022 The classic American seaside style has quickly become an Australian favourite - here are 16 homes that mastered it.

10.01.2022 Tips for creating an eco-friendly grocery shop that wont cost you (or the planet) the earth + a few products thatll make your supermarket shop a little greener.

09.01.2022 Tax time is almost upon us. Are you prepared?

09.01.2022 Australia's housing love for real estate continues ...even during COVID times. We are a lucky country !

09.01.2022 There has been some recent headlines around cancellation of redraw limits by ME Bank. People who were in advance of their payments may have planned to use the redraw feature and withdraw that money at some time in the future. This option has now been deleted, unfortunately, without prior notification. The funder has the right to do this as it is normally written within the mortgage document/terms and conditions.... How I think of it is - let's say you borrow $400,000 over 30 years and agree to make the appropriate payments of X$. However you were able to pay more than required and elected to do this. What you have done is paid back the bank it's loan in advance IE the money you paid in extra is their money...you just paid it back earlier than required. The bank may have offered a feature of redraw but can cancel or change that at any time ...and this is what happened...without notice. Redraw is different form an offset. Both save you interest and therefore potentially time off your loan term allowing you to repay faster. However an offset account is a separate account and the money is yours...you haven't paid additional funds into the loan ...you have saved the funds into the offset account. Clear as mud ? :) If you are concerned or would like to chat about your own personal circumstances with redraw and offset - please give me a call - happy to help Trish 0419780840

09.01.2022 Now that most of us have been using some form of video conferencing an update on how to protect yourself ...or just cover up the camera when not in use :)

09.01.2022 Can't go overseas this year but still want a holiday ? Time to discover the beauty and wonder of Australia ? Want to be a happy camper ?

08.01.2022 More about how your credit score is becoming you major asset.....or liability !

08.01.2022 Kerry and Trish discuss controlling your credit report ,what it all means to you and the choices and impacts for finance

08.01.2022 You're in charge, make it happen!

07.01.2022 How team work, information and education can smooth the path for your next purchase #propertypurchase #finance

07.01.2022 Could be either

06.01.2022 A clever weatherboard home extension transformed this abode

06.01.2022 Here are the top five rip-offs to stop paying in 2020

06.01.2022 Stay calm and carry on.....the time needs to be right for you .

05.01.2022 How will current events impact house pricing?

05.01.2022 In this difficult time it's even more important to stay across your debt and manage it to the best of your current ability.

05.01.2022 Save money and use less power with these air conditioning hacks.

05.01.2022 Know someone looking for help with their First Home Purchase ...let's chat !

04.01.2022 Time to THRIVE Did you always want to be one of those people who, seemingly effortlessly, build their future wealth through investment property all without missing out on enjoying life now? That sort of situation is not only for the super-rich. My clients are regular people, in all kinds of jobs, but they have used specialist practices and inside knowledge that is normally limited to property investment finance experts. They have become owners of commercial and residential investment properties that perfectly match their financial goals, without sacrificing their current lifestyles. With a helping hand, you could join them.

04.01.2022 If you are worried about making your loan payments during this topsy turvy time...a little video with potential options. Banks are wanting to help..destress and let them know what's going on ...stay safe Trish

04.01.2022 Interesting article They didn’t appreciate how incredibly tight the supply side already was and that low interest rates are a form of safety shield. While everyone correctly expected that sales volumes would sink, few appreciated that record-low supply, including resale stock, rental stock and new construction, meant that there didn’t need to be much activity for pressure to still occur." buyer’s agent Simon Pressley says. Helps explain the current market experience

04.01.2022 The new round of government guaranteed lending via First Home Loan Deposit Scheme New Home Guarantees has opened. New homes/construction only this time. And, the grants are also currently still available for First Home Owners.

04.01.2022 Thrive Investment Finance is a specialist in lending and we love to help remove the confusion that many people feel about their mortgage and finance in general. Complex lending is fun for us ! We aim to share with you, our knowledge to help you completely understand the loan process. We give you information which ensures clarity to help you make better decisions about your money. Contact Trish on 0419 780 840

04.01.2022 Women are gaining ground all over the world as powerhouses in business. Even traditionally male dominated spheres are experiencing a growing feminine presence as, with greater opportunities, women are being given the platform to show they are just as capable as their male counterparts.

04.01.2022 Are you to claim your part of your electricity and internet bill since you have been working from home ? I don't know , but this article might help you with the answers and give you some discussion points for your next accountant meeting at tax time

03.01.2022 Need help ? A chat about your options and what they mean ? Let me know ...happy to help

02.01.2022 The report states ......."..........Further, it found that borrowers with loans more than 10 years old were, on average, paying approximately 104 basis points more than the average interest rate paid for new loans...." Is this you ? Please give me a call for a chat to see how much you are over paying ... Trish 0419780840

02.01.2022 Not official yet, but could be good news for those able to participate ...what do you think ?

02.01.2022 Happy Easter - Keep singing and stay safe .. You are all hero's :)

02.01.2022 In case you need a reason to smile today .....:)

02.01.2022 For those in small business that have been severely impacted with Covid-19 changes , there may be a grant that could help you get back on track ...worth a read just in case it could help you or yours.

02.01.2022 Please be extra careful and cautious

01.01.2022 Have you ever wondered how some people seem to make their salary go a whole lot further than others on a similar income? For those in the know, financial success can be simpler than most people think. You don’t have to wealthy, or on a massive income, to build a stronger financial future and you don’t have to live on fresh air to do it! Sometimes, getting ahead is all about knowing the right people. Speak to Trish - 0419 780 840

01.01.2022 You may be thinking it's time to be your own boss& to make the leap and purchase a business. Walsh Accounting has put together a comprehensive and helpful guide of factors, steps , questions and actions to take which will work hand in hand with our finance application. Let me know if we can help you with your new venture

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