VD Mortgages Pty Ltd | Consulting agency

VD Mortgages Pty Ltd

Phone: +61 414 782 410

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25.01.2022 What is the purpose of financial advice? It is not to help you to focus on better financial outcomes but to help you to reach your financial freedom sooner and in turn it all allow you to focus on other things that you value in life. #thought_of_the_day# #vdmortgages#

24.01.2022 The Reserve Bank of Australia (RBA) has held the official cash rate at 0.75 per cent, in line with market expectations.The Reserve Bank of Australia (RBA) has held the official cash rate at 0.75 per cent, in line with market expectations.

24.01.2022 For 12 months starting 1 August, FHBs looking to get into a new build can bag a full stamp duty waiver if the value comes in under $800k -translating to a substantial saving of $31,335.For 12 months starting 1 August, FHBs looking to get into a new build can bag a full stamp duty waiver if the value comes in under $800k -translating to a substantial saving of $31,335.

23.01.2022 Woohooo Shall be back on 26/8/2019

23.01.2022 Finance Adviser: (ps: the Adviser isnt from VD Mortgages )

23.01.2022 Offset vs. Redraw story if you are unsure. We are here to help

22.01.2022 Effective from Monday, 13 July, St.George has reduced lenders mortgage insurance (LMI) costs to just $1 for First Home Buyers (FHBs)with a loan-to-value ratio (LVR) of up to 85 per cent. The offer is restricted to loans of up to $850,000 for owner-occupier FHBs with principal and interest (P&I) repayment terms.

21.01.2022 Its important to appropriately manage your expenses well in advance of applying for a home loan, that way you can show the bank that you can save and afford to service a mortgage when the time comes. #vdmortgages# #thought_of_the_day#

20.01.2022 According to industry experts, the top 5 things people are looking for in a suburb are: 1. Close to schools 2. Close to shopping centres 3. Parks, playgrounds and amenities... 4. Close to good transport 5. Safe environment See more

19.01.2022 https://www.afr.com//asic-warns-real-estate-agents-over-su

19.01.2022 Call it a day and more

18.01.2022 I am glad that all of my clients have been enjoying the IDyou ( verification of identifications -VOI) process, which allows bankers/brokers to perform VOI remotely from any location for loan application purpose. ps: most of them said it’s so cool and hi-tech haha lol

18.01.2022 Lets the fight started Great work Connective ! https://www.theadviser.com.au//39512-aggregator-head-to-fi

15.01.2022 ITS A CUT The Reserve Bank has cut interest rates to 1% - the lowest rate in history. Thats a 0.25 percentage point drop - down from 1.25%. And its two cuts in a row, after the RBA cut the rate, in June, from 1.5% to 1.25%.

15.01.2022 Organic homemade raw rice paper satay salad with herbs from one of my good client. Got home and the dish was at my front door

13.01.2022 The Victorian government has announced an investment of over $293 million to fund a stamp duty concession of up to 50 per cent for homes valued at up to $1 million. The move has been announced in the Victorian Budget 2020/21, which invests $1.5 billion in new tax relief for Victorian businesses and families. This includes a stamp duty concession of up to 50 per cent* for residential homes valued at up to $1 million. It is for residential property contracts entered into from 25 November to 30 June 2021. #TheAdviser#

12.01.2022 It is a holiday season again. One person team at VD Mortgages would like to wish you and your family a Merry Christmas and a very Happy & Prosperous New Year ! It is an absolute pleasure to add value to your finance journey and I look forward to working with you in 2020. Our office will be closed from 24/12/2019 until 16/01/2020. Any urgent matters, please email Vicky at [email protected]. Happy holidays! Vicky Dang

12.01.2022 Application & establishment fees, stamp duty + more. 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 Lenders generally charge a mortgage establishment fee a fee for setting up a mortgage. Property valuation A third party chosen by the lender, is appointed to determine the value of your land and improvements. Mortgage registration Your Mortgage deed needs to be registered with the government. Mortgage stamp duty Some State Governments charges stamp duty to register your mortgage. Lenders mortgage insurance If you don’t have 20% of the purchase price or the value of the property, the lender will require you to pay for a lenders mortgage insurance policy that covers their risk in the event you default on your repayments. Property fees and costs Building, Pest and Electrical Inspection fees It’s wise to have your property inspected for any structural or electrical problems and for pests (e.g. termites). Stamp duty Governments charge Stamp Duty to transfer the ownership of a property. Registration of transfer fee The new owner of the property needs to be registered at the Land Titles Office. Legal fees You generally need to pay a Solicitor of Settlement Agent to handle the transfer of ownership of the property on your behalf. Home & contents insurance Most homeowners insure their home and contents against a range of threats: burglary, fire, storm, etc. Lenders insist that your property is insured while you have a mortgage. Life and income protection insurance Borrowers should consider protecting their incomes and themselves while they have a mortgage. Utility costs Connecting electricity, gas and telephone can attract a fee. Council Rates Your local council charges rates to cover garbage collection and a host of other services. Water Rates The water corporation charges rates for the supply and upkeep of water to your property. Body corporate fees If you buy an apartment or Strata Titled property, body corporate fees are charged, and some fees can be significant particularly if the building is in need of a major work (e.g. concrete cancer, security upgrade, new hot water system, etc) or if there are lifts, pools and other communal facilities. Maintenance costs Don’t forget to make provision for regular maintenance on your home even if you decide not to undertake significant renovation. To learn more about the hidden costs of buying a home, talk to Vicky on 0414782410 today.

11.01.2022 This is my story and how I became a finance consultant. Thanks #Humansoffinance# https://www.humansoffinance.com.au/story/vicky-dang

11.01.2022 We had managed to get the Unconditional Approval within 48h for this client. Hard works are paid off with those lovely sms from her .

11.01.2022 Why 2020 could be your year to buy property? If youve been thinking about purchasing your first property, 2020 might be the time to pounce. Following a long-awaited correction, many property markets across Australia appear to have plateaued and are now once again increasing in value.... According to CoreLogic, in January house price values in Sydney alone rose by 1.5 per cent, 6.7 per cent over the past quarter. While the average increase across the nations capital cities in just the first month of the year was 1.1 per cent. Depending on who you speak to, this renewed growth may be attributed to a variety of factors. Recently, we saw the Reserve Bank once again leave rates on hold at a record low 0.75 per cent. The central bank is widely expected to reduce the rate further to 0.5 per cent in the coming months. Meanwhile, competition to lend money continues to heat up, helping to ensure lender interest rates remain low. Anecdotal evidence also points to an increased willingness from lenders to offer home loans to potential borrowers. In addition, the Governments First Home Loan Deposit Scheme is helping more people to gain a foothold on the property ladder. The scheme works by providing a guarantee that will allow eligible first home buyers on low and middle incomes to purchase a home with a deposit of as little as five per cent (lenders criteria apply). Long story short the market is on the up and fear of missing out (FOMO) is a real thing. But it doesnt need to be. Sometimes taking the first step towards a goal is enough to allay concerns and set a person on the right path. Contacting a mortgage broker early in your search is often a wise idea as it may allow the broker time to understand your circumstances and potentially help prepare you for a successful loan application when the time is right. Lets talk to Vicky on 0414782410 to discuss your options.

11.01.2022 We all love a Good No Life has more Nos than Yes But please dont give up

10.01.2022 Remembrance Day

09.01.2022 Enjoying the cool indoor air #working_offsite #vdmortgages

09.01.2022 Thought of the day

09.01.2022 please please https://www.mortgagebusiness.com.au//14144-major-banks-rel

08.01.2022 The Reserve Bank of Australia (RBA) has lowered the official cash rate by 25 bps from 0.75 per cent to 0.5 per cent marking the fourth cut since June 2019 when the easing cycle commenced.

07.01.2022 Oh wow https://www.mortgagebusiness.com.au//14066-lender-hikes-mo

07.01.2022 Treasurer and Shadow Treasurer urged the big 4 banks to pass on 0.25% point cut in full, interesting time

07.01.2022 It is important to know if you are facing difficulties with making repayments on your HomeLoan, then you can seek relief on the grounds of financial hardship directly with your lender. Talk to us if you need further clarifications. We can assist to prepare for conversations or suggest alternative solutions based on your individual circumstances. Stay safe everyone !

07.01.2022 As we are aware that some of Banks clients have received this email asking them to verify their account. This is a hoax. If you, or anyone you know has received this email, please delete it. If you have clicked the link and provided your details, please call your bank customer service team immediately.

06.01.2022 Five ways to fund a R E N O V A T I O N Considering transforming your home from banal to brilliant, but lack the funds to support your makeover? Never fear, weve rounded up five home renovation finance options that could help turn your dream into reality. 1. Equity Release / Top Up Home Loan...Continue reading

05.01.2022 A balanced diet is chocolate in both hands . Hope you have an eggs-tra special Easter this year !

04.01.2022 It is all about business partners, adding values and one stop shop for our valued clients. #work_conference2019# #Vdmortgages#

04.01.2022 Single parent home loans with Centrelink payments: If youre a single parent buying a home, some lenders will accept your Centrelink payments as part of your income. us todaySingle parent home loans with Centrelink payments: If youre a single parent buying a home, some lenders will accept your Centrelink payments as part of your income. us today

04.01.2022 A rate cut can prove beneficial with home financing, but the impact depends on what type of mortgage the consumer has, Fix or Variable/Adjustable, and which rate the mortgage is linked to. To compare the advantages and disadvantages of these two types of mortgages, please consult with Vicky on 0414782410 to gain a better understanding of different loan types. GDay!

03.01.2022 Looking to invest? Here are some rules to consider: As mid October just shy of five billion dollars was on loan to Australians for investment properties. While this is considerably shy of the heady $8b on loan in 2016, the needle is starting to swing back up as Aussies take advantage of low interest rates to bolster their portfolios. Money magazine has compiled a great article outlining their rules for investors to live by when looking for the next property:... *Timing is everything *Location is still paramount *Look beyond your home state *Crunch the numbers *Measure performance against goals Of course everyones idea of which rules to follow is different, but Money magazine does a good job highlighting the basics for budding property investors. You can read the full article here https://www.moneymag.com.au/investment-property-rules At VD Mortgages, we are looking forward to speaking with you this week about how We can help to reach your Financial Goals sooner

03.01.2022 Working offsite with garden and street/cars views

02.01.2022 Sunday : An entrepreneur is someone who has a vision for something and a want to create. Then get a mentor in the applicable field if youre at all unsure of what youre looking for.Sunday : An entrepreneur is someone who has a vision for something and a want to create. Then get a mentor in the applicable field if youre at all unsure of what youre looking for.

02.01.2022 https://www-theadviser-com-au.cdn.ampproject.org//4075/amp

01.01.2022 Power of Adaptions In this video, Dominic Price, Work Futurist at Atlassian, looks at the many ways businesses have been adapting to the challenges of remote working and providing leading experiences for customers. I hope you find Dominics insights valuable as you contemplate the path forward for your business, your people and your clients. #MacquarieGroup# https://youtu.be/17_MZUpJ32A

01.01.2022 Loan relief being offered by lenders to those impacted by coronavirus would unlikely impact a borrowers credit score, according to several lenders and credit reporting agencies.Loan relief being offered by lenders to those impacted by coronavirus would unlikely impact a borrowers credit score, according to several lenders and credit reporting agencies.

01.01.2022 Good Morning and GDay!