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Aussie Home Loans

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25.01.2022 The interest rate fluctuates in response to changes in the cash rate or other changes by your bank. Advantages: No restrictions - Extra repayments are allowed at no extra cost, which can save you interest and help you pay off your loan sooner.... Easier to switch loans - It is easier and cheaper to switch loans if you find a better deal elsewhere with another lender. Disadvantages: Budgeting may be tricky - Your interest rate is liable to change, you might end up paying a different amount each month. It may only mean the difference of a few dollars, but if youre a stickler for a monthly budget, a variable rate might not be your cup of tea. Rises in loan repayments - If interest rates increase, you may end up paying more on your loan than you had initially planned for.

22.01.2022 Equity is the formal term for the value of ownership you have in a property. If your property is worth $600K and the balance of your home loan is $200K, your equity in the property is $400K. To find out how much equity you have in your property, you will need a property valuation - I can help you arrange this. You can also get in touch with me to discuss how you can build equity in your property.

22.01.2022 Im Raquel and Im here to help. My job as a Mortgage Broker involves understanding your circumstances and goals in order to provide you with the best lending options suited to your needs. Im accredited to write loans with over 20 different banks and lenders. My service doesnt stop there, I also provide asset finance for businesses, car loans and home and contents insurance.... My favourite part about my job is that I can help people reach their dreams by ensuring no opportunity is missed. As important as it is to explore all avenues, people just dont have time to enquire with each bank and be pre-assessed, its my responsibility to do the research for you. The home loan process shouldnt be daunting, feel free to reach out - my service is at no cost you.

22.01.2022 Added this beautiful dining room to my vision board. Dont let COVID-19 stop you from reaching your goals! Keep pushing forward @cocorepublic

18.01.2022 Wednesday morning vision board addition - kitchen inspo Always remember, your focus determines your reality. @the_real_houses_of_ig

17.01.2022 Mortgage Broker: A home loans professional who acts as an intermediary between the lender and the borrower, helping the customer find a suitable home loan. @houseandgarden

17.01.2022 A pre-approval is an obligation-free way to estimate what you are able to borrow from a lender before you make an offer on a property. Its important to note that a pre-approval is not a guarantee that you will be approved for a home loan. A pre-approval is subject to certain conditions, one of which is the valuation of the property being satisfactory. Why does your lender need to do a valuation?... As part of taking out a loan, a lender will take a security for giving the loan, in other words, the property is security for the home loan and they need to ensure the property is a suitable security. Obtaining a pre-approval helps you understand how much you could borrow, plan your budget and be confident to make an offer.

16.01.2022 Make good use of your time at home by reviewing your home loan. Im on the other end of the phone, to talk about your loan, and see if you could be saving money by refinancing. Feel free to reach out, even if you just have a few questions... [email protected] 0422 105 253

16.01.2022 Saturday morning inspiration - now this is a dreamy house! @provincialhomeliving #inspiration #goals #homeideas #homesweethome #realestate

16.01.2022 Hows your property search going? 132A Barrow Street, Coburg is on the market! This gorgeous property is brand new and Architect-designed. To view the listing head to www.barryplant.com.au/619728 @barryplant_innercity

15.01.2022 Property of the week 35 Barry Street, Northcote Contact Sam Rigopoulos for more details, see below. T. 03 9403 9300 ... M. 0425 834 583 @jelliscraiginnernorth @samrigopoulos See more

11.01.2022 Property of the week 3 Sargood Street, Coburg Contact Steven Shaw & Dee Spittal for more details, see below. 0414 347 751 & 0411 530 044 @deespittal.realtor @stevenshaw.realtor @ Coburg, Victoria, Australia

10.01.2022 Your borrowing power is critical to know as it helps you understand how much you can spend on a property Its important to shop around banks and lenders all use different criteria to calculate how much they will lend you. Your borrowing capacity between two banks could be thousands of dollars the difference between purchasing your dream house or settling for your second favourite. I know what each lender is looking for and who will lend you more. I work with over 20 le...nders daily and will ask you the right questions to make sure we maximise your borrowing capacity and present the right loan options for you. Lenders will assess your income and expenses and youll need to show that you can afford home loan repayments a few percentage points higher than your loan, in case rates were to increase in the future. But there may also be some ways to increase your borrowing power by reducing your expenses... Some examples of how this can be done include creating and sticking to a budget , looking for ways to save by shopping around for cheaper insurances, reducing your credit limits , paying off personal loans or other debts, taking packed lunches to work and using public transport To find out how much you can borrow, contact me and Ill help you find out.

08.01.2022 Extra repayments - this can be your golden ticket to getting ahead with your home loan! The lender will set a minimum regular repayment but by paying a bit extra, you could steadily reduce the loan balance which could help you pay off the balance sooner and save interest.

07.01.2022 Property of the week 747 Brunswick Street North, Fitzroy North, VIC, 3068 @nelsonalexanderrealestate @ Fitzroy North, Victoria

07.01.2022 Buying your first home is likely to involve saving money for a deposit and it can be a lot easier to consistently tuck away savings when you follow a budget. But its not the only step involved...

06.01.2022 My mission is to make the home loan process straight forward and stress free for all of my clients.

06.01.2022 A private sale is a standard contract where you have the option of adding a finance clause. This gives you 14 days to organise finance and have it formally approved before you pay your deposit. If your finance does not get approved or the building has any issues you can withdraw from the contract. An auction is when prospective buyers come together to bid for a property on a specified date and time, with the highest bidder buying the property. Buying at an auction comes with a different set of conditions. With this type of purchase you do not have the luxury of asking for a finance clause - meaning if you win, you will have an unconditional contract - deposits are required straight away and the property is yours. #property #privatesale #auction #broker #mortgage #mortgagebrokermelbourne #mortgagebroker

05.01.2022 Purchasing a property is often the single largest investment a person or family will make, but it can be a bewildering experience if you dont really know whats going on. Here are some things you will need to know: You dont need a 20% deposit to buy a property. Lenders Mortgage Insurance (LMI) is insurance that protects the lender, not you. LMI is applicable if you borrow over 80% of your homes value. You dont need to arrange LMI yourself, your lender will sort it out for... you. Its possible to save on LMI by saving a bigger deposit - 20% plus fees. There are a range of costs that come with buying a property, it is not just a matter of saving up a deposit and then purchasing a house. Other costs include stamp duty, government and transfer fees, LMI if applicable and conveyancing/solicitors fees that can add up to thousands. Buying at an auction comes with a different set of conditions. In a standard conditional offer you can add a finance clause, where if your finance does not get approved or the building has any issues you can withdraw from the contract. But you do not have that luxury with an auction, meaning if you win, you will have no option but to buy the property. If you have any questions or would like to arrange an appointment please contact me on 0422 105 253 or [email protected] @carlislehomes

05.01.2022 HomeBuilder is a time-limited grant program offered by the Federal Government to help the residential construction market bounce back from the Coronavirus crisis. HomeBuilder provides eligible owner occupiers (including first home buyers) with a grant of $25,000 to build a new home or substantially renovate an existing home where the contract is signed between 4 June 2020 and 31 December 2020. Construction must commence within three months of the contract date HomeBuilder ...will complement existing State and Territory First Home Owner Grant programs, stamp duty concessions and other grant schemes, as well as the Commonwealths First Home Loan Deposit Scheme and First Home Super Saver Scheme. Information on when and how you will be able to apply will become available through the relevant State or Territory revenue office in due course. If you would like to know whether or not your qualify or how this may apply to you, please feel free to reach out

04.01.2022 We are open for business - working remotely, and as always here to help you with your finance needs. If you are trying to find ways to save money instantly a good way to start is to consider the mortgage attached to your biggest asset. By refinancing to a lower rate, repayments would decrease and increase cash flow. In times of uncertainty, one thing remains true - we stick together when things get tough.... Importantly, you dont have to leave your house to get home loan help, you can phone, video, call or email me. 0422 105 253 or [email protected]