Your Finance Hub in Ashgrove, Queensland | Financial service

Your Finance Hub

Locality: Ashgrove, Queensland

Phone: +61 432 661 109

Address: 30 Herschel St, Brisbane 4000 Ashgrove, QLD, Australia

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

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• Financial service
• Loan service
• Mortgage brokers

23.01.2022 Why brokers hold the keys to getting your foot in the property door? http://yourloanhub.com.au//why-brokers-hold-the-keys-to-g/

22.01.2022 Hello First Home Buyers! - Are you planning to purchase your first home soon? - Is your rental agreement coming to an end and you are planning to move into your own home before the lease expiry? Then, YOU NEED TO ACT NOW!... Buying the first home is one of your most important life events and you need to plan for it at least 3-6 months well in advance. The time frame to enter into your own home after signing a contract may range from 30-45 days (or more) when you buy an established (already built) property. However, if you are planning to have your home built (buying a block of land and constructing home), then this will take months. Further, various lenders have different time-frames to assess your application and grant an approval. Some are quick and some are slower. This will affect your chances of loan approval since the date from which you sign the contract to the time of finance approval is crucial. If loan is not approved on time, you might lose the chance of owing the home. Hence, it is a wise idea to contact me at YOUR FINANCE HUB so that we can sit down and have a chat about your home-buying plans and loan application process. Contact today: SHESHA 0432 661 109 Email: [email protected] www.yfh.com.au

22.01.2022 Are you waiting to get your permanent residency? Or have you just become a PR? What is your next big plan? Buying your first home? If yes, give me a call at Your Finance Hub so that we can walk throughout your home buying journey together. ... I will be your loan adviser who will sit down with you and find out more about your current and future financial goals and will assist with your home loan process from advising you about the upfront and hidden costs to your borrowing capacity and other various factors to consider. Lets have a chat! Contact: Shesha 0432 661 109 YOUR FINANCE HUB Email: [email protected]

22.01.2022 Are you planning to purchase your FIRST HOME or an INVESTMENT PROPERTY in 2020? Give me a call at YOUR FINANCE HUB to - discuss your property buying goals in detail - find out about the process of home-buying and loan ... application - find out about the upfront and hidden costs of home-buying - calculate your borrowing capacity - to get a pre-approval! Contact: Shesha K Pandey 0432661109 Email: [email protected] www.yfh.com.au

21.01.2022 Home buying can be overwhelming- not just for first home buyers but for investors as well. REMEMBER! Home buying is a process- it takes time. - Plan 3-6 months well in advance - Build a savings pattern and reduce debt... - Find out about all upfront and hidden costs - Do a research of the area where you want to buy - Get a pre-approval before you make an offer to buy Most importantly, contact YFH to get your finance sorted Contact: SHESHA 0432 661 109 Email: [email protected] www.yfh.com.au

19.01.2022 INTEREST RATES SLASHED TO RECORD LOW 1 PERCENT! So what does this mean and how much will you save on your mortgage? The RBA is a bank to the banks and the cash rate is the rate charged on loans made between the RBA and your lender. When the cash rate is changed by the RBA, lenders decide whether or not to mirror the new rate in the interest they charge their mortgagees. ... Some lenders choose to shift their interest rate changes higher than the RBA’s cash rate change and, in these instances, other lenders may be offering lower interest rates than the one you currently have. Depending on your mortgage amount, you could soon be saving hundreds of dollars a year. According to RateCity, the impact of 0.25 per cent rate cut on an average home loan worth up to $400,000 would be a saving of approx $700 a year (principal and interest repayment over a 30 year loan term). So if you are planning to buy your first home/ purchase investment property/ refinance for a better deal, this could just me the most suitable time. Give me a call at YOUR FINANCE HUB to find out more. Contact: SHESHA 0432661109 Email: [email protected] www.yfh.com.au

19.01.2022 If you are planning to buy a home, this might just be the right time. Interest rates are at historic low, meaning the interest rates are lower that ever before. But home-buying is a process. You need to plan at least 3-6 months well in advance and get your finances in order. It is in fact a journey and YOUR FINANCE HUB is committed to walk with you hand-in-hand in this journey, guiding you through each stages of the home-buying and loan process. So, contact YFH for more info...rmation! And don't forget THE SERVICES ARE FREE!!! Contact: SHESHA 0432 661 109 Email: [email protected] www.yfh.com.au

17.01.2022 The Reserve Bank of Australia cuts interest rate by 0.25% to a historic low of 0.75%! The lenders are in tremendous pressure to pass on the full rate cut, but we’ll have to wait to find out whether they pass on the rate cut in full or not. If they do, us, borrowers, will be on a better end, if not, there are plenty of lenders offering competitive interest rates. This might just be the right time to switch lenders to save money on home loan repayments! To find out more, contac...t YOUR FINANCE HUB! Shesha 0432661109 Email: [email protected] www.yfh.com.au See more

13.01.2022 WHEN WAS THE LAST TIME YOU HAD YOUR HOME LOAN REVIEWED? WHY IS IT IMPORTANT TO DO MORTGAGE HEALTH CHECK? Mortgage Health Check is a periodic review of your home loan to make sure that you are on the right home loan product, paying right interest rate and not paying too much on fees.... The financial market is ever-changing, so are your circumstances. A loan that was suitable for you few years ago may not be the best option for you now. It’s always a good idea to have your mortgage reviewed from time to time. Interest rates are at historical low and MANY LENDERS HAVE REDUCED THEIR INTEREST RATES RECENTLY. Whether you are planning to use the value increase in your home to buy another property, or make investment, or simply to save money on your monthly loan repayment, now is a right time to have your home loan reviewed. A simple switch from one product or lender (bank) to another may save you fortune throughout the life of the loan. The best part is IT IS FREE! So give me a call today to book your mortgage health check. Contact: Shesha 0432661109 Email: [email protected]

13.01.2022 - Are you a first home buyer? Or an investor? - Are you a PAYG employee? Or self-employed? - Are you permanent employee? Or casual? - Have you started a new job? Or with the same employer? - Are you on maternity leave? Or about to go on maternity leave? Or going back to work from maternity leave?... - Do you have 20% deposit? Or 5% deposit? - Have you been saving for a long time? Or received a gift money? If you can relate to any of the above and planning to buy a house, then simply contact YOUR FINANCE HUB (YFH) for your LOAN APPLICATION PROCESS! YFH serves as an intermediary between lenders(banks) and borrowers(you) to help you find a home loan that suits your personal and financial situation. AND the best part is- OUR SERVICES ARE FREE! Yes, that's right! We do not charge any fee for our services to you. So, what are you waiting for? Contact YFH today to discuss your home loan options. Contact: SHESHA 0432 661 109 [email protected]

11.01.2022 RBA slashes interest rate to a record low of 0.5%. What does this mean to you? To find out more, contact YOUR FINANCE HUB! Call Shesha on 0432661109 Email: [email protected]

07.01.2022 The Reserve Bank of Australia has cut official interest rates to a new record low of 1.25 per cent. This is a great news for FIRST HOME BUYERS and property investors. The interest rates that banks charge on their home loans are influenced by the Reserve Bank of Australia’s (RBA) cash rate. The RBA is a bank to the banks and the cash rate is the rate charged on loans made between the RBA and your lender. This, has a very strong impact on the interest rates your lender charges... you. When the cash rate is changed by the RBA, lenders decide whether or not to mirror the new rate in the interest they charge their mortgagees. Some lenders choose to shift their interest rate changes higher than the RBA’s cash rate change and, in these instances, other lenders may be offering lower interest rates than the one you currently have. This is just the right time to enter the property if you have been planning to buy your first home or investment property. You may also be able to save on monthly loan repayments by switching (refinancing) your home loan from one lender to another. Give me a call at YOUR FINANCE HUB to find about how you may benefit from the interest rate drop! Contact: Shesha 0432 661 109 Email: [email protected]