Wendy de Graaf in Karana Downs | Loan service

Wendy de Graaf

Locality: Karana Downs

Phone: +61 407 447 822

Address: 8 Elaroo Ct 4306 Karana Downs, QLD, Australia

Website: https://wendydegraaf.com.au

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25.01.2022 During challenging times, making financial decisions can feel overwhelming. There's support and services available to help you. Unsure if you are eligible to access up to $10,000 of your super? Take a look at the link below it may ease some stress.

21.01.2022 WOW How low can the Cash rate go? Australians should maximise their savings while the interest rates are at their lowest on record.

19.01.2022 On Sunday (29 November), the Treasurer announced that the HomeBuilder program will be extended to 31 March 2021, albeit in a modified form. The existing new build property price cap of $750,000 will continue to apply in all other states and territories.

19.01.2022 If you are considering the new Homebuilder Grant - It is not yet available waiting for several States to sign off on the scheme.

17.01.2022 Currently Owner occupier first home buyer loans accounted for more than a third, (35.3%) of the total owner occupier loans rising by 3.4% to previous month. There is so many benefits and options available for First Home Buyers to get into the market currently. * Low Interest Rates * First Home Owners QLD Grant * Home Builders Federal Grant * First Home Loan Deposit Scheme - Waiving Lenders Mortgage Insurance premiums.

14.01.2022 If you purchase a property to build your own home on as long as the contract is signed after 4/6/20 and before 31/12/20 you could be eligible for the new Government Grant.

14.01.2022 Recently I have had several clients advise me that their Credit Card provider was not able to reduce their limit. This article states the Treasury Laws Amendment (Banking Measures No. 1) Act 2018 (Cth) (Banking Measures Act) is part of the stricter requirements on credit card providers. Treasury Laws Amendment... In response to the recommendations of the Senate Inquiry, the Government also implemented the Treasury Laws Amendment (Banking Measures No. 1) Act 2018 (Cth) (Banking Measures Act). This statutory amendment introduces stricter requirements on credit card providers. The main areas of reform include: * Responsible lending: from 1 January 2019, affordability assessments are to be based on a consumer’s ability to repay the credit limit within three years. * Unsolicited credit limit offers: from 1 July 2018, credit card providers must not make unsolicited offers to credit card holders inviting them to increase the limit of a credit card contract. * Changes to interest calculations: from 1 January 2019, credit providers cannot impose retrospective interest charges. * Credit limit reduction and cancellation: for all credit card contracts entered into after 1 January 2019 credit providers must ensure that consumers have the option to cancel cards or reduce limits online.

13.01.2022 Did you know that every time you apply for a credit card or personal loan it is recorded on your Credit History and brings your credit score down.... How to improve your credit score! - Lowering credit card limit - Reduce the number of credit applications made - Paying rent or mortgage on time... - Pay utility bills on time or setup payment plans - Paying credit card debt on time each month either pay in full or at least the minimum repayment See more

13.01.2022 Home Builder Grant - How the banks consider the process of this grant. Most Banks are happy to accept construction loans in which the borrowers intend to apply for the Home Builder Grant. Given the timing and the process of the grant application and disbursement of the Grant, they cannot factor in the loan application as the Grant being available for funds to complete, as per the process of the First Home Owners Grant. The borrower will need to either fund the equivalent contribution themselves, or be in a position to borrow the equivalent.

04.01.2022 So Who has the Crystal Ball?

03.01.2022 Considering building a new home than check out your eligibility.

02.01.2022 Alert! Are you aware that if you drew down up to $10,000 of superannuation that the criteria is only for hardship circumstances for early release? If your income was maintained during the COVID-19 period, the ATO will review this as income and you will be taxed accordingly as per your marginal tax bracket and you could incur a penalty maximum penalty up to $12,000. Please seek advice from your accountant or advisor.