Victoria Lending Group in Melton, Victoria | Financial service

Victoria Lending Group

Locality: Melton, Victoria

Phone: +61 490 119 145

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25.01.2022 Sixty minutes did a great job of putting fear into anyone with a mortgage. If anyone has any questions, please contact me to discuss further.

25.01.2022 $50,000 for first home buyers from July 1 2020. You heard right. See article here. If you want to be ready in time to take advantage of this deal, contact Victoria Lending Group and we will advise how to best position yourself.

25.01.2022 Some amazing rates announced today. Especially for Investment properties. 3 year fixed P&I Investment 2.69%. Interest only investment 2.89%. Investment lending under 3%. WOW!!!. If you have an investment property or you know someone who does, get them to contact me today and take advantage of this amazing deal.

24.01.2022 Choosing the right mortgage broker for you! Buying a house can be an overwhelming experience and teaming up with an experienced professional such as a mortgage broker can ensure you find the right loan product with the right lender to meet your needs. Mortgage brokers are up to date with the mortgage and finance industry as they have access to hundreds of loan products and are familiar with lender requirements. They are dealing with the ins and outs of applying for loans ever...y day and can best prepare your application to meet lenders criteria. Brokers receive their commissions from the banks and generally dont charge you an upfront fee. A broker will handle most of the process requirements of the loan, analysing your ability to service the loan, as well as your current financial commitments and the submission of supporting documents through to settlement, hopefully making the experience less stressful for you. So while there is no doubt using a mortgage broker has its advantages, the hard part can be finding the right one. Victoria Lending Group mortgage brokers are experienced and use their expertise to determine what products you might have access to that meet your requirements. All of the appropriate accreditations and memberships are maintained. A referral to a broker is a great way to discuss their professionalism from an already happy customer. Victoria Lending Group ensure you have complete trust in the process and that you can work with them, we make sure we have your best interest at heart. Not choosing the best broker to work with you, or having the best loan product to suits your needs can be a very painful and expensive exercise, so take the time you need and choose Victoria Lending Group as your brokerage firm. Happy house buying

24.01.2022 Is there ever a good time for a stapler to run out of staples?

24.01.2022 The importance of using a Broker You must use a broker. The success rate of individual people sourcing finance themselves is extremely low. This can be from picking the wrong finance institution, completing forms incorrectly, not knowing the traps that exist in a loan application that should be avoided, and purely the amount of time it takes to process the application. The broker must be very experienced and work with a wide range of financial institutions. The Top Four bank...s are probably the worst institutions to try and get finance from today. Their criteria are tougher than anyone else and the bottleneck of existing client management is so large that they will be the slowest in processing. Victoria Lending Group for example, works for many different banks and generally the second-tier banks are hungry for business, are hugely competitive, and are so much easier to do business with. banks no longer have open ended approvals and generally an approval will only last for two weeks, after which, if you were to find a property, you would be required to update the bank on your status. This is because many people have had working hours cut back or people are still losing jobs and they want to make sure anyone they are financing has not been affected in the couple of weeks since the approval. There has never been a better time to buy. Interest rates are at all-time lows and really cant go any lower. There are fabulous finance packages for owner-occupiers and investors. Whilst COVID-19 is impacting on us all in so many aspects of life, the good news is that there is plenty of money to borrow. We are not in a credit squeeze. Lets not weaken our resolve so please continue to adhere to all social distancing restrictions. We are still available to conduct appointments both via teleconference and video conference.

24.01.2022 Please share this post if you have or ever intend to use a mortgage broker for a home loan. Please visit the link in the image below and sign the petition.

23.01.2022 Congratulations Sarah and Tom. Another successful build project financed through Victoria Lending Group. It was great fun helping you get your house built. Wishing you great things for the future.

22.01.2022 Thank you so much for this wonderful gift. Choccies and a nice bottle of plonk. Its a real thrill to be able to deliver news that makes people happy. Congrats Paul and Corinda. Construction of your dream house will commence very soon.

22.01.2022 Congratulations Glenn Munro and Anna Di Berardino Munro on the successful settlement of your home loan and investment property loan. Thank you for using Victoria Lending Group and for allowing me into your home to assist you at this time. I look forward to helping you again soon.

22.01.2022 Dont get a home loan without one. Here are just a few reasons why you should use one. Brokers are your personal financial coach. Brokers do all the legwork.... Brokers have access to multiple lenders. Brokers can save you time and money. Victoria Lending Group will help you through the home loan process. See more

21.01.2022 The Royal Commission recommendations are not going to be good for consumers. It will cost you many thousands of dollars more to obtain a home loan if these recommendations go ahead. Mike Felton is CEO at the The Mortgage and Finance Association of Australia.(MFAA).

21.01.2022 Does anyone know of a builder who will do an "On Completion" project?? In other words they get paid on completion, not during construction.

18.01.2022 If you are financially affected by the current situation we all face please click on this link and see if your bank is offering home loan relief during this time. All banks are attempting to help where possible and to get through this period. If I can help in any way, please message me to discuss. https://www.ausbanking.org.au/campaigns/financial-hardship/

18.01.2022 Incredible rates on offer. Time to make a decision and make some changes to your home loan. The savings will be huge. Tax free savings. Variable from 2.66%, 3 years fixed from 2.14% (not a typo), 5 years fixed from 2.54%. T&Cs apply. In an uncertain world, some changes just need to made.

18.01.2022 With all the doom and gloom in the media, its important to note that not a whole lot has really changed. Its as good a time as ever to check your interest rate and make a change if there are better deals to suit you, consolidate some cards or get some extra for a new car or holiday. Lots of offers starting around 3.55%. Just need to contact Victoria Lending Group to see how much you can save.

17.01.2022 Brand new product for the medical profession. If you work in the medical industry you can now borrow up to 90% without having to pay for Mortgage Insurance. No mortgage insurance to 90% of the property value. That is a substantial saving. Call Victoria Lending Group to learn more about this new product. Medical Specialists General Practitioner Dental Practitioner (must be a Dentist)... Hospital employed Doctors (Intern, Resident, Registrar, Staff Specialist) Up to 85% for these professions. Physiotherapists Pharmacists Psychologists Chiropractors Nurses (PAYG) Veterinarians Radiographers Sonographers

17.01.2022 Did you hear the news? The Australian Government has just announced a $25,000 HomeBuilder grant for eligible homebuyers. Dont wait, find out what this could mean for you now.

16.01.2022 Today, the news we have received will mark a significant time in history; in the history of lending, of the property market and of wealth generation during an unprecedented time. A moment in time we will look back on in years to come; one that many will say, If only I acted then" You see, overnight the SCOMO Government announced it is set to encourage faster, easier loans to get the economy moving, help first home buyers get onto the property ladder. By simplifying the l...oan application process for borrowers it will reduce barriers to switching between credit providers, encouraging consumers to seek out a better deal. Writing in The Australian, Treasurer Mr Frydenberg said the banks’ obsession with running a ruler over the minutiae of borrowers’ expenditure had gone too far. It is now not uncommon for a person applying for a mortgage to be asked to explain individual discretionary spending and provide verification of a customer’s Netflix and Spotify subscriptions, UberEats or MenuLog usage or other detailed information, he said. But the loan application process is set to be simplified, reducing barriers for consumers to seek out lending. So, what could this mean for you? Well, for many this may restart the conversation, the fact-find as to what is achievable for their personal situation, now the criteria is set to relax. With interest rates so low, the property market showing extremely positive signs of resilience despite the pandemic, particularly in key regional centers - and now the shift to have more Aussies access lending with the Government’s changes NOW IS THE TIME TO REASSESS YOUR ACCESSIBILITY TO FINANCE! To arrange your OBLIGATION FREE FINANCE CHECK, Call Victoria Lending Group or click here. https://www.vlg.net.au/VLG_ContactUs.htm

16.01.2022 I've just received the most amazing gift from some very happy clients. An amazing assortment of goodies. Time to dive in. Thanks Di and Lathan.

16.01.2022 Now more than ever is the time to review your loan position. Time to consolidate some debts, time to see if there is a better deal for you which will save you money. Lots of new deals available with really low rates. Call or message me to discuss further.

16.01.2022 Now seems like a good time to create awareness about an issue that is now more common than ever. If you plan to buy vacant land off the plan, make sure you have a conveyancer / solicitor who will read the contract for you, especially the special conditions. Land developers are putting restrictive resale conditions into the contract. That makes getting finance for vacant land difficult to near impossible to get. If you can't settle you lose your deposit and the developer ha...ppily sells the land to someone else. You will need to have the condition removed or you need to make sure you have your building contracts ready so you can apply for a house and land loan and not just land. I highly recommend Complete Conveyancing Solutions for all property purchases as they will go through your contracts with a fine tooth comb and spot this condition before it is too late. https://conveyancingsolutions.lpage.com.au/. See more

15.01.2022 Dont let the government kill competition. I would like to please ask for your support to sign the petition. Click this link to go to the Petition: https://www.brokerbehindyou.com.au/support-your-broker/... Potential reforms to broker commission are currently being discussed which could result in a blanket ban on commissions (upfront and trail) and the introduction of a customer fee-for-service of thousands of dollars. If enacted, these changes could make the mortgage broker channel unsustainable, forcing customers back to the big banks with large branch networks, and cutting customer access to smaller lenders and credit. An alternative proposal (the Netherlands model) not only has the customer paying a new fee of thousands of dollars every time they access a broker, but also every time a customer walks into a bank branch to arrange a home loan. This is nothing more than a massive new tax on borrowing. Taking choice away from customers by ending competition in the home lending market would likely result in: Increased fees and interest rates for customers as banks seek to restore their declining interest margins and increase profit without intense competition to keep prices down Diminishing availability of credit especially for customers in regional and rural Australia, where few branches remain, and for lower income customers with more complex credit needs such as first home buyers The end of trade for up to 17,000 small businesses, and the resultant loss of up to 27,000 FTE jobs in Australia Mortgage brokers are critical to competition in the home lending market in Australia. Show your support by contacting your local Federal MP today. Petition: https://www.brokerbehindyou.com.au/support-your-broker/

11.01.2022 Victoria Lending Group is still on board and available for discussion regarding your home loan finance. Appointments will be done via phone, email and fax but its business as usual.

11.01.2022 If you have built a home or are building a home, please post who the builder is and if you would recommend them.

10.01.2022 Interesting article in The Guardian today. Its true, getting a loan is getting harder.

09.01.2022 Everyone wants to know what the best rates are. Send me a message and i will forward this little article to you.

09.01.2022 Fantastic little e-book from Deposit Power about being prepared at Auction. Just email [email protected] and put "Deposit Power" in the subject line for your free copy.

09.01.2022 Rates are nearly at 0% after todays announcement from the RBA. The official cash rate is 0.1%.

09.01.2022 So many options in the home loan market. Do you know if you have the best deal available to you? Lots of great offers being made right now. Find out if you can take advantage of them. Contact Victoria Lending Group today!

09.01.2022 If you don't know what a loyalty tax is then chances are you are willingly paying it without your knowledge. Ask me how to stop paying it now and put more money back in your pocket.

08.01.2022 Remember this? Its called cash. May i suggest you all start using it again. Banks now ask for your most recent transaction statement as part of the approval process. They analyse every single line to determine where you are spending your money and what liabilities you have. If they dont like what you spend it on, they will decline your deal. So spend cash instead and keep them guessing! Unless you like strangers looking at your personal stuff.

07.01.2022 Congratulations Laura Di Berardino and Gavin Hooker on the successful settlement of your construction loan. Thank you for allowing me to help you through this stage. Now its time to get the house built. Victoria Lending Group will endeavor to make this part of the process as smooth and easy as possible.

06.01.2022 Interest rates remain at historic low.

06.01.2022 Victoria Lending Group has been helping clients get finance approval for the last 15 years and still going strong. To chat with an experienced mortgage broker and get the best deals available, call today.

05.01.2022 Very interesting article about how affordability levels are decreasing.

05.01.2022 Congratulations Kathryn Varcoe and Hayden Varcoe on your successful land purchase. As always it has been a pleasure helping you guys and wish you the very best for the coming years. Thank you for allowing Victoria Lending Group to help you through the finance process.

05.01.2022 I think we need to stop and smell the coffee for a minute. These deals are not going to be around for long so you need to make a decision and act fast. 5 years fixed for 2.99%. 3 years fixed at 2.89%, variable from 2.94%. Thats a hot meal on the table ready to be eaten. Dont let it go cold.

03.01.2022 Another rate cut from the Reserve Bank today which is great news. How much lower can they go? Probably not much but who knows. I get asked all the time whether you should fix your home loan. I think that now is a good time. On offer is a 5 year fixed product with an advertised rate of 2.99%, No ongoing fees and additional repayments are allowed. Where will rates be in 5 years? Pretty sure they will be much higher than 2.99%. Make your inquiry now and secure a very good deal. Please share to spread the word.

02.01.2022 Congratulations Dean Nnlist and Amanda Grima on the successful settlement of your home loan. Thank you for inviting me into your home and for allowing me to help you at this time. I look forward to helping you again very soon.

01.01.2022 Here's a handy tip. If you buy off the plan with a 1 - 2 year settlement period. Get rid of any existing debt during this time. Do not accumulate credit cards and personal loans because when the time comes around, you won't get finance for your house and you will lose your 10% deposit. Simple. End of rant.

01.01.2022 Reserve bank usually meets the first Tuesday of each month. but due to the current climate they met mid month to announce another rate cut. If you want to discuss if there is a better rate available to you. Call today.