Home loan and Lending Solutions in Endeavour Hills, Victoria | Credit counselling service

Home loan and Lending Solutions

Locality: Endeavour Hills, Victoria

Phone: +61 400 275 529

Address: 2/8 Temby Close 3802 Endeavour Hills, VIC, Australia

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

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• Financial service
• Loan service
• Mortgage brokers
• Credit counselling service

23.01.2022 Lenders started to pass and announce on RBA rate cuts to their customers!!

21.01.2022 "Why do I have to use a mortgage broker if I can go directly to my bank?" Frequently asked by many people. Check the link and find out why: https://www.finder.com.au/mortgage-broker-vs-banks-home-loa

20.01.2022 News Alert: RBA has left the official cash rate on hold at 1.5%.

16.01.2022 It is our dream of owning our own home. While escalating property prices may make many first home owners feel like that this dream is out of reach. Many first home buyers might feel thwarted by escalating property prices in some capitals, plenty are still taking the plunge, spurred by low interest rates. Not easy for most, the keys are sacrifice and compromise. If youre a first home buyer, here are tips to help you make a move. 1. Save for a deposit - atleast 10%. Make sur...e you also have saved to pay for stamp duty and conveyancing or legal fees associated with the purchase of the property. 2. Find a Mortgage Broker- Can help navigate the competitive landscape and negotiate a loan that suits your needs. 3. Once you have saved enough deposit, work on securing pre-approval for a loan so you can start house-hunting with a firm budget and peace of mind. 4. When to comes to the type of property and location, consider what is most important to you now and over the next five years. Research is essential! 5. Take the mortgage - the broker can help you determine whether to take on a fully variable or fixed interest and all kinds of loan products. Ask about redraw facility and offset facility. If theres anything we can do to help you with your home finance, dont hesitate to get in touch with me on 0400275529.

16.01.2022 The RBA Cuts Rate to 1.75% as expected AUD has a strong reaction, has risen slightly this arvo and currently trading at 0.77c. As the cash rates drop by 25 basis points. it is expected that Lenders are making changes to lower lending rates. This is great time to sit down and review your current finance arrangements, CALL on 0400275529. How does this impact the average mortgage holder? Here is a table showing how Australias average mortgage sizes be affected.

16.01.2022 Want to stop feeling trapped by debt? Get a FREE financial road map with me and learn how to conquer and ditch your debt and mortgage for good.

16.01.2022 WARNING of eight rate hike in 2 years!! Get ready! This would mean significant increases in mortgage interest rates that could tip Australian. Hope youre not carrying too much debt when rates rise!

13.01.2022 Rates are lower than ever!!! Best time to Revaluate, Rethink and Refinance.

13.01.2022 WHAT DOES A MORTGAGE BROKER DO?????

13.01.2022 Dont delay your dreams!! Now or Never.

11.01.2022 If youre loan doesnt suit your lifestyle or personal situation you could be wasting thousands of dollars a year on extra interest and fees. Make a contact today for a quick chat and find out a loan thats more appropriate for your needs.

10.01.2022 Owning a property in Australia is a dream for many of us. In many occasions, people asked me " How much can I borrow?" As daunting as it can be, understanding your borrowing power is important and essential to get their foot ready to buy and own their dream home. BELOW ARE THE FINANCIAL FACTORS BEFORE STARTING TO LOOK FOR A PROPERTY : 1. Do I have enough money to pay for a deposit? 2. Can I afford to make monthly repayments without facing financial hardship? ... 3. Is my repayment /credit history positive? (some lenders dont rely on credit score as long as you can service the proposed loan amount) 4. Have I assessed my household budget? 5. What are my current liabilities? 6. Am I planning to start a family soon? Understanding where you can financially and what financial loads may be coming your way in the near future can give you a clearer picture of how large or small your borrowing capacity should realistically be. If you seeking for more information, give me a call on 0400275529 , and I can walk you through with detailed information so youll have an informative decision.

09.01.2022 Why it pays to use a mortgage broker when choosing a home loan??? because it pays them to HELP You!.. Mortgage Brokers are free you dont pay them directly. Their pay comes from the commission they receive from the lenders they ultimately pair you with. Most of the conventional banks are paying virtually the same commission rate so youll have the peace of mind that they are not favouring the lenders who pay the nest commissions. Brokers are compelled by law to disclose the... details of their commission to you under the National Consumer Credit Protection Act. And we are audited yearly to make sure were doing the right thing. For people who have decided to meet the dream of having a home, they have surely been told that they will need a mortgage broker, there will be people who already know how they work, but for those who are about to start fulfilling their dream they will have thousands of doubts, And in Terrain we will help you to solve them.

09.01.2022 Looking for a new car? Car Loan rates start from 4.9%. Make a contact today!!!

09.01.2022 INTEREST RATE UPDATE : The Reserve Bank left the official cash rate at 2.00% unchanged. The decision was based on the impact of recent upward movements in the Australian dollar and positive economic news around employment and retail spending. Complicating the issue, that lenders may increase interest rates independent of the RBA cycle, citing increased funding and regulatory costs. Therefore, even though the cash rate remained unchanged, its still wise to talk to us to ensure you still have the appropriate financial solution for your current circumstances.

08.01.2022 Wondering how to pay off your home loan sooner?

08.01.2022 AUSWIDE Bank - 3.99% fixed rate for 3 years on owner Occupied P/I home loans. Conditions apply. For more information, dont hesitate to contact me.

07.01.2022 As expected t,he RBA lowered the the official cash rate to 1.50% this month by 25 basis points, stating that prospects for sustainable growth in the economy, with inflation returning to target over time, would be improved by easing monetary policy at his meeting. Slower lending growth for housing was a factor behind the decision. And also, the low inflation outlook was the other major factor. Will this rate cut make a difference in bringing inflation back??? Probably not -... rate cuts may lower exchange rate. It also appears that a strong housing market has moderated and if housing moderation continue and no inflation - theres a risk that RBA will continue to cut rates. Some Banks has started to reduce their interest rates after the Cash rate has announced. This a good time to review and check your home loan if its still suitable for your needs. If you require assistance in reviewing your current home loan or looking into obtaining a loan to purchase your first home or investment , call on 0400275529 and Im happy to help you at no obligation cost.

06.01.2022 Does your loan still measures up? - Have you had an addition to your family? - Have you had a pay rise over the past year? - Can you afford to make additional repayments? ... - Have there been interest rate changes since you got your home loan? - Are you planning to renovate? - Are you thinking of moving to a bigger & better place? - Do you struggle to pay debts from credit cards, mortgages, personal loan? - Are you thinking to purchase an investment property? - Do you want to access your homes equity? - Do you need a new car? If you have answered YES to any of the above questions. Its time for you to book an appointment on 0400 275 529 for a quick Home Loan Health Checks at ZERO cost. To make sure youre still meeting your current and future needs.

05.01.2022 Australian Economy Snapshot Jan 2016

05.01.2022 Good news!!! Banks are cutting back rates including the Big Four! "Borrowers need to think outside the Big Four, because there are cheaper rates amongst smaller lenders."

02.01.2022 Break the shackles of Debt and start living free! Our Focus is on helping you, pay off your Home Loan sooner and achieving financial freedom. We take into account, your budget and financial circumstances and determine if we are able to get you out of debt, faster