Vantage Point Lending in Footscray, Victoria, Australia | Financial service

Vantage Point Lending

Locality: Footscray, Victoria, Australia

Phone: +61 435 854 559

Address: Shop 1, 58 Moore Street 3011 Footscray, VIC, Australia

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

Likes: 388

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• Local service
• Financial service
• Mortgage brokers

25.01.2022 The holiday season period is normally when things slow down. However, Ive had such an awesome December/January! Achieved a personal best in loan settlements Received another eight 5-star Google reviews (https://g.co/kgs/2wSERx) Reached 300 likes on Facebook... Thank you to everyone who has supported my journey to date. Hope you have had a great start to 2018 too. Regards, Lan

25.01.2022 During my time as a banker and more recently as a broker, I have met many people and have talked to them about their personal finances. It never ceases to amaze me the number of people who don't even know the interest rate they are paying on their home loans. Your property is normally your largest asset and the debt against it is often your biggest and longest financial commitment. It therefore stands to reason that your single largest expense is your home loan repayments and... the associated interest cost you pay. Your interest cost is determined by your home loan rate. So in a nutshell, to simply treat your home loan as "set and forget" could be one of the most expensive mistakes you could make. Throughout life's journey, your circumstances and objectives will change, so make sure your home loan evolves with you. By finding the right home loan, at the right rate, that meets your objectives, could mean that you end up saving money that would have otherwise been paid to the bank. This is money that you can now put towards your other goals (such as a family holiday, new furniture or simply spoil yourself - the choice is yours!). I encourage all my clients to review their home loans at least once a year to ensure it still meets their objectives and to compare it against other loan offerings in the marketplace, particularly now in the current low interest rate environment. Get in touch with me if you would like to have a chat. Regards, Lan 0435 854 559 [email protected]

24.01.2022 Following the release of the Royal Commissions report into Misconduct in the Banking, Superannuation and Financial Services Industry, the past 48 hours has been extremely challenging. Thank you to my friends and network for reaching out. I am truly grateful for your messages, calls and support. There has been a lot of media over the last couple of days about the recommendations handed down by the Royal Commission, which was to investigate, understand and report on misconduct... by financial services entities; conduct that fell below community standards and expectations. The banks received a lashing with a feather duster yet the mortgage broking industry was turned on its head. I, like all of my fellow mortgage brokers, was extremely surprised (and disappointed) with the proposed recommendations to remove all commissions (upfront and trail) paid to brokers by lenders for placing loans with them. It is proposed that consumers (rather than lenders) pay for this service going forward. For me, this is completely at odds with the value that mortgage brokers provide to customers. It will certainly not drive better customer outcomes and will decrease competition and give even more power to the big 4 banks. Please take a look at the video below from the Executive Chairman of Loan Market, Sam White, on why these recommendations around broker remuneration simply do not make sense. As Sam says, if you have any stories that you would like to share about how a mortgage broker has helped you or someone you know please share these with me or online and use the #brokersworkforyou hashtag. Today is a new day and for me it is business as usual Im here to help my customers achieve the best possible outcome. Thanks, Lan #brokersworkforyou

23.01.2022 We recently relocated to Maribyrnong - introducing our new office. Come by for a visit.

22.01.2022 One of the most important steps in buying a property: knowing when youre financially ready to buy.

22.01.2022 One of the most important steps in buying a property: knowing when you're financially ready to buy.

20.01.2022 It's such a rewarding feeling to know that I have been able to help my customers. If you know of anyone who would benefit from my service, please reach out to me. https://www.wordofmouth.com.au//loan-market-lan-truong-mor#

19.01.2022 Happy weekend everyone! See you around

19.01.2022 Government to give $25,000 grants to people building or renovating homes https://www.abc.net.au//government-coronavirus-co/12317786

18.01.2022 Lan is at the top of her field in expertise and professionalism. She is very easy going and has many years of experience at the ready. Lan is able to handle any task you ask of her. Highly recommend her to anyone wanting a home or personal loan AAA+++ OutWestPhotobooths https://www.wordofmouth.com.au//loan-market-lan-truong-mor

17.01.2022 The RBA has cut the official cash rate to 1.5%. This is an all time low. Lets see what the banks will do. Feel free to contact me to see what we can do with your current home loan and get a financial health check.

17.01.2022 Official cash rate cut to 0.25 today by RBA due to COVID-19 https://www.news.com.au///99d935ac66d1efbeaa3f7b4220be2959

16.01.2022 The RBA has cut the official cash rate to 1.5%. This is an all time low. Let's see what the banks will do. Feel free to contact me to see what we can do with your current home loan and get a financial health check.

16.01.2022 As 2017 comes to an end, I would like to take this opportunity to thank you for your support. To those who have given me the opportunity to assist you and your referrals, it has been an amazing year and I look forward to working with you again in 2018! I hope you have a fantastic Christmas with your loved ones and a restful and safe break over the new year period. Our office will be closed from 23rd December and will re-open on 8th January 2018. However, all phone calls and e...mails will be monitored and attended to during this time. Again, thank you. Merry Christmas and Happy New Year Eat lots, be happy and stay safe xx Lan

15.01.2022 In the Chinese zodiac, the pig represents wealth, good fortune and prosperity. Wishing you and your family all the success 2019 has to offer and I look forward to working with you this year. Happy Lunar New Year!

14.01.2022 Following the release of the Royal Commission’s report into Misconduct in the Banking, Superannuation and Financial Services Industry, the past 48 hours has been extremely challenging. Thank you to my friends and network for reaching out. I am truly grateful for your messages, calls and support. There has been a lot of media over the last couple of days about the recommendations handed down by the Royal Commission, which was to investigate, understand and report on misconduct... by financial services entities; conduct that fell below community standards and expectations. The banks received a lashing with a feather duster yet the mortgage broking industry was turned on its head. I, like all of my fellow mortgage brokers, was extremely surprised (and disappointed) with the proposed recommendations to remove all commissions (upfront and trail) paid to brokers by lenders for placing loans with them. It is proposed that consumers (rather than lenders) pay for this service going forward. For me, this is completely at odds with the value that mortgage brokers provide to customers. It will certainly not drive better customer outcomes and will decrease competition and give even more power to the big 4 banks. Please take a look at the video below from the Executive Chairman of Loan Market, Sam White, on why these recommendations around broker remuneration simply do not make sense. As Sam says, if you have any stories that you would like to share about how a mortgage broker has helped you or someone you know please share these with me or online and use the #brokersworkforyou hashtag. Today is a new day and for me it is business as usual I’m here to help my customers achieve the best possible outcome. Thanks, Lan #brokersworkforyou

14.01.2022 Over the past week I have had a couple of prospective clients ask me what the difference is between what a banker does and what I do. Having been both a banker and now a finance broker, I've seen it from both sides of the fence. There are many reasons why people choose to use a broker over a banker. But for me, it all comes back to the following 2 key differences: 1. More choice... As a broker, I have access to over 30 lenders and countless loan products compared to a banker who only has access to their banks products. The ability to look across many different lenders means that my clients have more options to choose from. 2. One relationship My clients know that by having me as their broker, I am effectively their own personal banker. This contrasts to being directly managed by a bank. Clients may have a relationship with one lender but over time they will have countless bankers who they have to deal with and tell their story again and again and again. By using a broker, clients will only ever have to deal with one person (their broker), who will be their advocate with the lenders. Why not find out for yourself? The next time you're in the market to buy a property or looking to refinance, perhaps try to experience this by visiting both a banker and a broker - you'll quickly realise what the differences are.

13.01.2022 Its such a rewarding feeling to know that I have been able to help my customers. If you know of anyone who would benefit from my service, please reach out to me. https://www.wordofmouth.com.au//loan-market-lan-truong-mor#

13.01.2022 What an amazing last 48 hours! Here we are opening the door tomorrow to our new office! 58 Moore St Footscray. Drop in and say hi

13.01.2022 Well, what a year it has been! With so many mixed emotions, 2020 has been one big roller coaster ride, a testing year for every single one of us. Despite it all, we have learnt to adapt to our new ways and slowly coming out the other side. As the year that was comes to a close, I want to thank you for your continued support. I hope you all can find time to unwind and be surrounded by great company, reflect on the year that was with a vision for an improved 2021 for us all.... Have a wonderful Christmas! Wishing you and your loved ones good health, happiness and prosperity in the New Year.

11.01.2022 Do you know your credit score or why it matters? Your score is important as many lenders use it to understand your past credit profile and whether you would be an acceptable risk. Lenders use the score to help assess your credit application when you apply for a loan or line of credit. Things to consider to help you manage your credit score:... * Pay your bills on time. Missed or late payments on some credit contracts (for example, home loans, personal loans and credit cards) can negatively affect your score. * Buy now, pay later services, like Afterpay are definitely the current craze. However, you need to ensure you are making repayments on time otherwise this can impact your score. * Consolidate your debt. Consolidating several loans into one can make it easier to manage repayments. It also helps you to save on fees. * Track your credit commitments. Do your homework before applying for credit and keep track of repayments. Making several applications within a short space of time will be recorded on your file and may reflect poorly as it could be interpreted as a sign youre in financial stress. * If you move house, notify lenders, phone and utility providers of your new address so they can re-direct bills. Overdue payments can negatively affect your score. * Check your credit report regularly. While you cant erase your past, its worth knowing what youre dealing with before you approach the lender so you can be prepared. You can check this for free by contacting a credit reporting body listed on the government website: https://www.oaic.gov.au//cred/accessing-your-credit-report There are a number of different credit scoring systems used by credit bureaus, Equifax being one of these. The Equifax score will be a number between 0 and 1200 (refer photo). In addition to your credit score, lenders will apply their own lending criteria and policies. This is why you shouldnt completely rely on your score as an indicator of whether you can apply for the credit or not. An experienced finance broker can help you find the right lender for your individual circumstances. Please reach out to me if I can be of assistance.

10.01.2022 Fresh arrangements Happy Friday everyone!

10.01.2022 Hope everyone had a great long weekend enjoying the gorgeous weather. Meanwhile we are busy fitting out our new premises and hoping to kickstart the new financial year with a bang. Exciting times ahead, watch this space! Here's a sneak peak.....

10.01.2022 Great news! The government set to axe stamp duty for first home buyers. This change will be easier for so many Victorians. The Stamp duty will be abolished for Victorian first home buyers for purchases below $600,000 and will apply to both new and established homes.... Read more...

09.01.2022 Yet another historic low, with the RBA announcing today that the cash rate will drop to 1.75 per cent (a cut of 25 basis points). This will place pressure on lenders to pass on the rate cut to borrowers. NAB has already announced that it will reduce its variable rate for home loans by 0.25%. Please get in touch with me if you have any questions on what the RBA's decision means for you.

08.01.2022 Introducing the latest. New to our panel, all digital, Smart Bank #86400smartbank Reach out to me to know more

08.01.2022 You may have seen that lenders have increased their rates recently and out of step with the RBA cash rate. Have you actually considered what that might mean for you and your own financial situation? It actually means less money in your pocket and more money for the lenders! Each week I talk to people about the power of refinancing and what that can mean for them. I can help you find the right home loan to suit your individual circumstances, which could end up making you fin...ancially better off. Your home loan may have been right for you at the time, but throughout lifes journey, your circumstances and objectives will change. So make sure your home loan evolves with you. I have access to many lenders who have competitive offers, which can make the decision to refinance worthwhile. Many of these offers are not widely known to the public. I set aside time every week to conduct a financial health check for clients to help them understand how much they could save by simply refinancing to a better home loan that suits their current situation. If you or anyone you know could benefit by having a financial health check, then please reach out to me. Best regards, Lan Truong 0435 854 559 [email protected]

07.01.2022 CBA was the first bank to move, cutting its standard variable interest rates for mortgages by 0.13 percentage points. National Australia Bank cut by 0.10 percentage points, ANZ by 0.12 percentage points, and Westpac by 0.14 percentage points for customers with principal and interest home loans, and 0.10 percentage points for customers with interest-only loans.

07.01.2022 Just received these beautiful flowers from a happy customer. Happy Friday everyone! #brokerlife #rewarding

06.01.2022 Some tips on how to help your kids financially without sacrificing your own retirement goals and financial security.

06.01.2022 Dont be put off by the cold weather. There is an upside to buying in Winter.

06.01.2022 The cash rate has fallen further into uncharted territory after the RBA cut rates by 25bps to 0.50% this afternoon. Let's see how much of this the banks will pass onto customers. If your bank isn't prepared to pass on this rate cut to your home loan or youre simply looking for a better deal, then please reach out to me and I can find the right lender for you. https://www.abc.net.au//reserve-bank-slashes-inte/12020950

05.01.2022 Don't be put off by the cold weather. There is an upside to buying in Winter.

05.01.2022 This was an awesome feeling for me. Being able to help my customers with finance which helped them set a record price for the suburb.

05.01.2022 It seems like only yesterday we were celebrating the festive season. Today we entered the second month of 2017; how time flies! Don't let the year pass without setting some bold goals. Will 2017 be the year you buy your first property, upsize your home, expand your property portfolio or buy a new car? Would you like to better manage and control your cash flow by consolidating your debts and having one easy loan repayment? Whatever your goals, let me be a part of that journey... to help you realise your dreams. Importantly, if you do have your heart set on buying a new property in 2017, I would encourage you to contact me about getting loan pre-approval from a lender before you start looking at properties you might want to buy. I will help you determine how much you can borrow and what you can afford to buy. Heres hoping that the Year of the Rooster is a prosperous one for you! Thanks, Lan

02.01.2022 Being prepared before entering the market allows you to bid with confidence. Getting your finances in order so that you know your maximum borrowing capacity is critical as this allows you to put your best foot forward when making an offer on a property. Yesterday I had 2 customers successfully bid at auction and another 3 make offers that were accepted by the vendors. What a day! The Future Belongs To Those Who Prepare For It Today. Malcolm X

02.01.2022 Did you know that a brokers role is not just about helping you find the right loan when you believe you are ready, it is also about helping you to get ready so that you are in a position to borrow. I work with clients to help them become financially fit so that they put their best foot forward when the time comes to borrow. This journey often takes many months, but I will work with my clients to support them and help put in place goals and timelines to get financially fit.... Recently I was able to secure an approval for clients who began their journey with me late last year. When I originally met them they were wanting finance to purchase their dream home. The reality was they simply werent ready e.g. they were not in their employment long enough, did not have sufficient savings and were spending above their means. I guided them and helped them set up some goals and timelines to work towards so that when they reached the end of their journey, they would be in a far better position to borrow what they needed to in order to purchase their home. Fast forward 12 months and after working with them during this time, they were able to meet the lenders requirements and borrow what they needed in order to achieve their goal. It was so rewarding to see my clients move into their dream home last week. Dont just wait to talk to a broker when you think youre ready to borrow. A brokers job is often more than just finding a lender. Its about educating clients and helping them get financially fitter so that they put their best foot forward when it comes to borrowing. Please reach out to me if you would like to chat further.

01.01.2022 I want to share some really exciting news with everyone. I have decided to take the next step in my journey as a business owner and establish my own brand. WHAT'S CHANGING? I will no longer be an owner / franchisee under Loan Market and will now be branded under my own business name, Vantage Point Lending.... I have a new email address and website. My details are as follows: - Email: [email protected] - Website: www.vplending.com.au (under development) From this point onwards you can reach me on my new email address: [email protected] WHAT'S NOT CHANGING? My telephone numbers and business address are unchanged: - Mobile: 0435 854 559 / Tel: 03 9318 1717 (unchanged) - Address: Shop 1, 58 Moore Street, Footscray (unchanged) I am really excited about this next phase of my business and look forward to working with my existing and new clients. Coinciding with this news is the fact that I have reached 100 5-star Google reviews - https://g.co/kgs/9nhTh8. What a milestone! Thank you to all my clients who took the time to give me a 5-star review. Please reach out to me should you have any questions or need assistance with anything at all.