Valor Finance | Mortgage brokers

Valor Finance

Phone: +61 411 373 777

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24.01.2022 Considering transforming your home from ‘bland’ to ‘brilliant’, but lack the funds to support your makeover? We’ve rounded up five home renovation finance options that could help turn your dream into reality. 1 Equity Release / Top Up Home Loan This is probably the most common way people borrow money when they want to renovate. ... 2 Construction loan If you're planning to completely transform your home and undergo a major makeover, this may be a good option as you can spread the cost over a longer period of time. 3 Line of credit You can establish a revolving credit line that you can access whenever you want to up to your approved limit. This product feature is great if managed well, but can also be a trap if not seriously considered, as your limit will never change. 4 Personal loan If you’re only making minor renovations personal loans are usually capped at around $30,000 this might be suitable. 5 Credit cards This option should only be considered if you want to undertake really small renovation projects. The HomeBuilder $25,000-grants program is also still active until 31 December 2020 If you want to discuss your options, give us a call now. 0411 373 777 #valorfinance #renovation #housemakeover #homebuilder #constructionloans #personalloans

22.01.2022 50 home loan lenders are now offering rates of under 2 per cent, with the lowest variable rate at 1.77 per cent. What does your mortgage interest rate start with? Reach out, we can assess your situation together.... 0411 373 777 #valorfinance #mortgagebroker #brokersarebetter #interestrates

20.01.2022 How about a more sensible approach to spending this silly season? Here’s a few tips to help you keep things under control. Remember, Santa should be the only one heading south this Christmas, not your finances! 1 Set a Christmas budget Be sure to include the costs of meals, entertainment, gifts and festive wear for your Christmas party circuit. ... 2 Know your triggers - Enjoy a little late-night online shopping? Turn your phone off at dinnertime. - Get embroiled in the last-minute Christmas shopping frenzy? Do your shopping early. - Take cash with you to the shops and leave your credit card at home. 3 Embrace sentimental gift-giving You could opt for a family photo, get crafty, bake or make your own redeemable vouchers. 4 Suggest a Secret Santa exchange If you have a big family, gift-giving costs can really add up. Why not suggest a Secret Santa exchange instead? Here’s how it works. Each family member draws a name out of a hat and buys a gift for that person anonymously. The benefit is you can set a spending limit and everyone receives a gift. We’re interested in your cost-cutting ideas for Christmas, especially this year! Please share in the comments below #valorfinance #christmastips #christmasbudget #savemoney

17.01.2022 When taking out a mortgage, many people forget to consider the associated fees and expenses. Here are some of the extra costs that you’ll need to consider when you take out a home loan. Home loan application fees Most lenders charge a home loan application fee. This can range from loan to loan, and covers: - Loan contracts ... - Property title checks - Credit checks - Attending a settlement Mortgage fees and costs - Mortgage establishment fees - Property valuation - Mortgage deed registration with the government - Mortgage stamp duty (in some states) - Lenders mortgage insurance usually required if you don’t have 20% of the purchase price or the value of the property Property fees and costs - Building, Pest and Electrical Inspection fees - Stamp duty to transfer the ownership of a property - Registration of transfer fee at the Land Titles Office - Legal fees - Home & contents insurance - Life & income protection insurance - Utility costs - Council Rates - Water Rates - Body corporate fees If you buy an apartment or Strata Titled property - Maintenance costs Give us a call to learn more about the costs of buying a home, so there are no surprises! 0411 373 777 #homeloans #brokersworkforyou #mortgage #brokersarebetter #housebuying #australiaproperty

02.01.2022 While we are lucky that life is returning to normal after lockdown, we are still available for remote appointments if you'd prefer to discuss your lending options over the phone or via Zoom. It's hassle-free and convenient for you, and COVID-safe : ) And obligation-free. Let's book an appointment now... 0411 373 777 #valorfinance #mortgagebroker #brokersarebetter #covid19impact