Ultra Home Loans Townsville in Townsville, Queensland | Loan service

Ultra Home Loans Townsville

Locality: Townsville, Queensland

Phone: +61 423 433 759

Address: Ferntree Street, Kirwan 4817 Townsville, QLD, Australia

Website: www.ultrahomeloanstownsville.com/#!form/c255a

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25.01.2022 Excellent news for those needing to utilise deferred repayments on their home loan or other credit facilities. Australian Banking Association has confirmed this will not be recorded as a late payment on your credit report or affect your credit score. But remember you must have contacted your lender and organized your deferred repayments directly with them prior to missing any payment! https://www.ausbanking.org.au/a-covid-19-mortgage-deferral/

24.01.2022 Congratulations to this awesome family. Adam and Melissa have purchased their first home! Are you a first home buyer? Adam and Melissa were able to utilise the $20,000 first home owners grant and their excellent rental history to purchase their first home sooner. ... First Home Owners with a good rental history should enquire now...before the First Home Owner Grant expires. Ultra Home Loans...Specialising in making dreams come true!!!!

24.01.2022 We specialise in credit checks too! I can access your current Veda File Report in seconds. Imagine the excited couple that has put their first home under contract, They apply to their bank for the home loan but they had overlooked a final phone bill when they moved house 3 yrs prior. The Telephone company had listed the debt as a default on their Veda File. On the basis of this, they were delined for their home loan and could not purchase the property. A credit check prior... to their purchase would have been invaluable. If you are looking to get any type of new loan I strongly recommend having your credit file checked prior to making an application. If we spot any issues we can work to rectify them or change the lender to suit the situation. Your report will come with specialist commentary as to what it all means and form the first step to securing your new loan. Click the link to lodge your enquiry now. http://www.ultrahomeloanstownsville.com/form-c1tvl

22.01.2022 Wishing you all the Merriest Christmas and Happiest New Year from Ultra Home Loans!

21.01.2022 Last week a customer was advised by their own bank that they would not approve their home loan as it was out of the banks policy. The branch manager had asked them for an additional $5000 deposit which would have left them with next to no money to move into their new home. They came to Ultra Home Loans for a better solution. On checking that lenders broker website I found the branch manager was incorrect and I was able to proceed with an application to their bank without re...quiring the additional deposit the branch had requested. It was approved in a week! The customers were happy to be able to use their own bank and surprised how easy the process was because we did all the hard work for them. Best of all it cost them no extra money because the lenders pay the broker a commission. We even secured an amazing interest rate!

20.01.2022 Mortgage Brokers are a great option for your next home loan. Because choice matters! https://www.mortgagebusiness.com.au//13077-mortgage-borrow

20.01.2022 Did you know that 62% of Australians have at least one credit card!!! 5% have 5 or more! Regulators have proposed dramatic changes, changes to the way lenders will assess your credit card repayments when you are applying for new loans! Currently If you have a $15,000 limit on your Credit Card lenders will usually assume your repayments are 3% of your limit...in this case $450.00 Per Month. The new proposal will see those same credit card repayments assessed at $741.00 per mo...nth. A whopping extra $291 more! This will significantly impact how much some people can lend for their next car or home! However if we refinanced this card to a personal loan the lenders will use your actual payments (about $350 per month) in their assessment The changes are scheduled for January next year and effect 62% of Australians Enquire now for more information. See more

20.01.2022 Ultra Home Loans also specialise in car loans!!! We have access to a panel of car lenders and offer the same independent advice as we do for home loans. Most people finance their purchase through the car dealers on site lender as it is the easiest option, Unfortunately you often end up paying huge start up fees and inflated interest rates as the dealer takes the opportunity to create more income from your purchase. We can finance new or used cars and cover dealership or priva...te sales and we can even complete the lender vehicle inspection for you. Compare the car loan market with one easy phone call to Ultra Home Loans...... The lending Specialists. See more

18.01.2022 ANZ passing only .19% of the interest rate drop onto their customers but offering an amazing 3.75% 2 year fixed interest rate. Contact Kim to see if you are eligible for this great offer!

18.01.2022 Changes to credit reporting........... New changes have come into effect as of the 1st of July making it mandatory for the big four banks to report more information about their customers. Credit reports are created from banks, utility companies and telecommunications carriers providing details about your credit habits to credit reporting bodies. These agencies use this information to compile your credit report and a credit rating which is a numerical value between 0 and 1200... and the higher the score the better your credit rating. Your lender will use your credit report to help decide whether to approve your loan. Only licensed credit providers can access the information contained in your credit report. But prior to July 1 most banks reported minimal information, usually any enquiries for a credit facility would be listed on your report and details of defaults on accounts or lending facilities. Here are some examples of the type of information that may now be shared: * Payment Defaults * Any credit facility currently open and how much is owed * Repayment history including overlimit /late repayments * Declined/approved Credit Applications * Bankruptcy situations The new system will give lenders a more accurate picture of how you manage your money so it will be easier for them to assess your ability to repay new lending. If your financial track record is positive it is likely your credit score will improve following these changes, which may make it easier to be approved for a home loan. Below are some tips on how you can keep your credit report healthy!!! *Pay your loan repayments on time or early * Pay your credit card minimin repayments on time and stay under your credit limit *Create direct debits and arrange repayments to coincide with your pay schedule * Lower your credit card limits * Consider consolidating debt (speak to us about this) * Limit your credit enquiries, as frequent applications can look bad on your credit report * Remove your name from utility bills if you move * Ensure your phone and power accounts are paid on time and paid in full when closed * Be cautious about identity theft * Check your credit report and ensure the information on file is accurate Ultra Homes Loans can help you access your credit report and help you understand what it all means. Please contact us for an appointment.

17.01.2022 ********NEWS FLASH********* FIRST HOME OWNERS $20,000...... GENUINE NO DEPOSIT HOME LOANS NOW AVAILABLE...... With the increase to the First Home Owners Grant to $20,000 and record low interest rates Ultra Home Loans introduces the GENUINE NO DEPOSIT Home Loan. No rebates, saving plans or special deals with specific builders required. These loans give you the freedom to choose! To qualify all you need is a Stable Work History, Good Rental History or Low Unsecured Debt and Good Credit History. Put aside 10 minutes to call us, we can qualify you over the phone.

17.01.2022 Did you know the First Home Buyers Grant is due to end on the 30th June 2018? It may revert back to $15,000 or be extended again...but why risk missing out! If you are wanting to build your first home contact Kim for a chat to see if you are eligible to use this grant while it is still available!

17.01.2022 The government is going to be making some very important decisions about the regulation and remuneration of Australian Mortgage Brokers in the near future. Traditionally brokers have been able to provide a competitive and comprehensive Home Loan Service that gives a choice of lenders at no or very little cost to their customer . This has driven competition in the finance industry. Interest rates throughout the industry remain competitive as a result. The changes being ...considered by the government may result in the bank no longer paying a commission to the broker for referring them business. Instead, the customer will be expected to pay the broker a fee for their services. This would mean that for many people using a broker would no longer be possible or viable. As a result, the competition for Home Loans would fall back to the most accessible lenders (The major four) rather than those with great service, policies, interest rates and the most suitable lender for the customer. We believe that the effect will drive up retail interest rates for all homeowners and reduce the level of service you receive from lenders. If you would like to keep banks accountable and interest rates competitive please follow this link to pledge your support for the Mortgage Broking Industry. Save your money and keep your choice. Thank you for your time and please do not hesitate to contact us for more information.

16.01.2022 With lots of talk of housing prices dropping because of Corona virus this article proves otherwise. Locally in Townsville I am seeing plenty of buyers and sales. With interest rates so low repayments are cheaper than rent.

14.01.2022 If you r stuck with organising the work Christmas function or family get together, save yourself a headache and give Phil from Kirwan Tavern a call. He will look after our loyal followers. Let him know Ultra Homes Loans sent you!

12.01.2022 Are you renting but thinking you could buy your own home? Consider the cost of renting over the long term compared to a mortgage and owning your own home! $300 per week rent = $15,600 per Annum $468,000 over 30 Years... COMPARED TO Home loan of $300,000 Loan - $325 per week ($207,831 interest paid over 30 years) $350 per week rent = $18,200 per annum $546,000 over 30 Years COMPARED TO Home loan of $350,000 - $379 per week ($242,470 interest paid over 30 years) $400 per week rent = $20,800 per annum $624,000 over 30 Years COMPARED TO Home Loan of $400,000 Loan - $434 per week ($277,108 interest paid over 30 years) Money well spent now will ensure you have a home to retire in and the security of your own home. Contact us for your free lending assessment.

11.01.2022 If you are looking at buying a home, a car or just wanting to chat about your existing home loan, come and see Kim!

10.01.2022 Increase your cash flow! Ultra Home Loans is introducing a Holistic Financial Freedom Program in conjunction with Greg Wheatley from Active Financial. This program is designed to assist everyday people achieve their financial goals sooner. Debt management and budgeting advice is just the beginning of what we have to offer. Contact us now to secure your free appointment.

10.01.2022 Just a reminder that Ultra Home Loans are helping sponsor Australias Biggest Morning Tea at the Kirwan Tavern this Thursday 24th May 2018. Give aways to the first 50 at the door, Raffles with heaps of minor prizes and a wheelbarrow full of groceries for the major draw. Come along and join us and help support this amazing cause! $20 per ticket and these can also be purchased at the door.

08.01.2022 As The Project reported tonight all banks have the discretion to reduce their interest rates for new or existing customers. The Barefoot Investors is right, you will not be rewarded for loyalty. Ultra Home Loans can contact your bank and access these rates for you and then compare this offer to their competitors. Its called a loan renegotiation Contact us now to access this unique service. Our customers average savings is $110 per month!... https://tenplay.com.au/channel-ten/the-project//7/big-banks

06.01.2022 Ultra Home Loans specialise in representing our customers best interests! We have a panel of more than 20 lenders offering many different products and we choose the best lender and product for the customer. In comparison, the banks have no obligation to advise the customer of options outside of their business, and often sell you a more expensive product than you need. Are you paying hefty fees for services you dont even use!... In a bid to keep the banks honest I will be offering a free home loan health check to any home owner with more than $100,000 owing on their current home loan. Enquire now http://www.ultrahomeloanstownsville.com/form-c1tvl

06.01.2022 If you have loved the service you have received from Ultra Home Loans we would appreciate your time for a review. https://www.facebook.com/ultrahomeloanstownsville/reviews/

04.01.2022 For those of you who will or are already struggling financially in the current Covid 19 situation this a list of deferral policies for the four major banks. We will post a more exhaustive list of contact numbers shortly that will include smaller lenders on our panel. We are here to give advice and help you through as well. Hardship will need to be organized directly with the lender but please feel free to call us to discuss the pros and cons of your repayment deferral options to ensure that you come out of this challenge at the other end OK. https://finance-matters.info//need-to-pause-your-mortgag/

04.01.2022 Definitely come and see Kim!

04.01.2022 Did you know that Ultra Home Loans not only specialise in home lending but also in personal loans, business lending, car loans and also property ownership after relationship breakdowns. While most people seek the advice of a solicitor during this difficult time to make decisions about who will keep the house and the associated debt they forget to get independent lending advice, often assuming the bank will just change the loan into the preferred parties name. Unfortunately, i...t is not this simple from the lender point of view. They require a whole new application and valuation of the property to ensure the loan will meet their current lending requirements. We have access to many lenders so have the best chance of successfully moving that loan to one name and can also provide written advice as to what will be required to ensure the application is successful, including income required such as child support or payouts required for a deposit. Contact us today for a free appointment.

03.01.2022 COMPETITION TIME! LIKE our business page and SHARE to enter the raffle to win this huge Easter basket full of goodies!

03.01.2022 With Interest rates that begin with a 3, Why not? Why not refinance your home loan? Why not purchase your first home? Why not grow your investment portfolio? Let us help you achieve your next dream!

03.01.2022 FREE FINANCE ADVICE THIS SUNDAY! Our broker will be on site this Sunday until 2pm. No appointments necessary. Find out just how much you can borrow and how $20...00 deposit is all you need to get into one of these new homes now. Best to have: 6 months employment Good credit (Check your credit for free if you are unsure) Low unsecured debt position #firsthomebuyers #ultrahomeloanstownsville #just2000deposit

03.01.2022 Ultra Home Loans are helping sponsor Australias Biggest Morning Tea Come and join us and help support The Cancer Council make a difference. There will be raffles and of course The Biggest Morning. Contact Ultra Home Loans for tickets or you can purchase them at the door $20.00 each.

03.01.2022 First Home Owners Grant Increased to $20,000!!! Hot off the press, to make your dream even closer! See me about your TRUE NO DEPOSIT HOME LOAN now!

01.01.2022 This Credit Lawyer lets the cat out of the bag on Pay Day lenders and your credit report. Your credit report will have a huge impact on your applications for finance. If you want more information about your credit report dont hesitate to contact us! https://www.youtube.com/watch?v=DHR-WDoEKLg&feature=youtu.be

01.01.2022 So the verdict is in, the $5,000 First Home Owners Boost will officially expire on the 30th June 2018. BUT The $15,000 First Home Owners Grant will continue. What does this mean to you? If you are ready to purchase a newly built home or build a home you will need to sign a CONTRACT on or before the 30th June to ensure you will receive the full $20,000 First Home Owners Grant. If you are not ready to build or purchase a newly built home yet but are hoping to soon you can... still count on the $15,000 First Home Owners Grant to help out with your deposit. For any questions on Building, Buying, Grants or Lending please contact Kim on 0423433759 or [email protected]. Im happy to help out with any of your queries. http://www.abc.net.au//queensland-budget-2018-winn/9856650

01.01.2022 As promised phone numbers and website addresses for Covid 19 Lender support. Do not hesitate to contact us for support and advice ANZ Call ANZ Customer Connect Team on 1800 252 845 Mon-Fri, 9.00am to 7.00pm (AEST) https://www.anz.com.au/a/sustainability/financial-hardship/ Auswide Bank Call 1300 077 969. https://www.auswidebank.com.au/campa/important-information/... BankWest Call Customer Assist 1300 769 173 or email [email protected] https://www.bankwest.com.au//guides/financial-hardship-ass CBA Call 13 2221 - 6am to 10pm https://www.commbank.com.au//support-for-home-loan-custome ING Call 133 464 La Trobe Call helpline on 1800 620 639 Liberty Call 13 11 33 or email [email protected] https://www.liberty.com.au/about-us/covid-19-update Macquarie If theyve been impacted by COVID-19, they can request a payment pause on their Macquarie product(s). Complete form in link https://www.macquarie.com//person/forms/financial-hardship Connective Advantedge Borrowers or brokers on their behalf should send an e-mail to [email protected] with reasons NAB Home Loan clients is 1300 683 106. Business clients is 1300 769 650. https://www.nab.com.au//nab-assist-request-for-financial-h Pepper Call customer support team on 1800 356 383 Resimac Email [email protected] https://www.resimac.com.au/coronavirus-support St George Client to complete the form in link https://www.stgeorge.com.au//sus/disaster-relief/covid-19 Suncorp Call 131155 Teachers Mutual Bank Call 1800 862 265 https://www.tmbank.com.au//financial-har/credit-assistance Wetpac Call 1800 067 497 https://www.westpac.com.au/he/disaster-relief/coronavirus/:

01.01.2022 For first home buyers wanting more information on the grant changes meet me this Sunday!! WHEN: Sunday 24th June TIME: 11am-2pm WHERE: Wakeboard Circuit, Kelso (Ross River Estate display home)... Happy to complete a borrowing capacity for you and see if you could qualify for a low deposit home loan. PM me if you would like to book a time in advance! https://www.domain.com.au//queensland-state-budget-2018-g/