Your Mortgage Freedom | Mortgage brokers

Your Mortgage Freedom

Phone: +61 437 522 303

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24.01.2022 We've been inundated with people looking to refinance, especially given both fixed and variable rates are at unprecedented levels. During the refinance process, while getting you a better rate, and in some cases even earning you a refinance rebate, we've also been helping people purchase a new car or complete home renovations using the equity in their homes. There are many valid reasons a bank will allow you to cash out on your equity, drop me a message if you'd like to know if you qualify and how much equity you might be able to access. Steve.

21.01.2022 You may have heard about the new Government Homebuilder Stimulus package and wondering if you could benefit? We have outlined below frequently asked questions. If this is something you would like to discuss further, please get in touch with us today. WHEN CAN I ACCESS HOMEBUILDER?...Continue reading

18.01.2022 We work with ALI to provide our customers with an insurance solution that can protect them and in many cases, their biggest asset, when things might unfortunately not go according to plan. I personally have a policy with ALI, as they were able to insure me and my family for some pre-existing conditions I couldn't get covered in other life insurance policies. If you've been thinking about how to protect yourself, your home or your family in case things don't go to plan, give m...e a call and I can walk you through ALI's offer. Steve.

18.01.2022 Was an absolute pleasure to help this family refinance their home loan. Not only did they secure a better rate and are saving interest every day going forward, we also got them a $4000 cash rebate which they were only too happy to receive.

17.01.2022 Love to get feedback like this, especially from a first home buyer. If you're a first home buyer, we'd love to help you with the daunting process of making what's likely to be the biggest investment of your life.

16.01.2022 With everything that's going on right now, having your finances in order is something everyone should be on top of. I know this all too well, with close family members already being impacted by the the pandemic. For home owners, ensuring your home loan is serving you well is imperative. Rates haven’t been this low in a long time, there are some lenders who are providing up to $4000 cash* if you refinance with them; and, many home owners we are working with are cashing out som...e of the equity in their homes to ensure they've got a cash buffer going in to the rest of this year. If you’re not sure if you’re getting the most out of your home loan, or simply want to discuss your current situation or understand what the banks are doing right now, feel free to drop me a message, call me on 0437522303 or email at [email protected] Stay say, practice social distancing and look after one another and we will get through this. Steve. * Terms and Conditions: Offer is subject to change at any time, without notice. This offer applies to loans sourced from major banks and other home finance lending companies. Fees are based on the following; application fee, valuation fee, settlement fee, redraw and ongoing fees. Eligibility: All invitees will be required to discuss your current loan or loan application with a Your Mortgage Freedom broker. Your Mortgage Freedom. ABN 73 269 870 607. Credit Representative Number 515145 of Australian Credit Licence Number 384704.

15.01.2022 We've helped many first home buyers secure a spot in the government's First Home Loan Deposit Scheme, saving them thousands of dollars on lenders mortgage insurance premiums while in many cases also securing them very competitive rates. Most of the spots for the first round have now been exhausted, but with new spots becoming available in July there's still a great opportunity to buy your first home with some help from the government. If you'd like to find out how we can help..., please get in touch. https://www.brokernews.com.au//first-10000-fhlds-places-fi

13.01.2022 Very pleased to have helped this first home buyer take advantage of the First Home Loan Deposit Scheme and buy himself a fantastic first home. We pride ourselves on providing a 5 start service.

10.01.2022 Did you know the typical customer can save about $250 per month by refinancing their home loan, particularly now with rates as low as they've been for a long time. That's $3000 a year. And with some lenders offering rebates for new refinances of $3000 or even $4000, there's never been a better time to have your home loan re-assessed. Get in touch, we'd love to both save you and make you some money.

09.01.2022 Admittedly there is a bit of doom and gloom getting around at the moment, but we're seeing first home buyers showing an increased interest in securing their first home, with grants and government schemes giving them many financial benefits. A recent ING report has millennials saying they've used the lockdown to get on top of their property goals by redirecting travel budgets to a home savings account (59%), taking on a side hustle (37%), and moving back in with their parents (36%). If you're a first home buyer who has used the current situation to your benefit and need some help with your options, get in touch as we'd love to help.

09.01.2022 Tips for first home buyers Buying your first property can be a bewildering experience, and there are any pitfalls that could lead to potentially expensive regret. With careful research and financial management, you can buy the right property for your needs while establishing a sound financial investment. Start small and think long-term... Property appreciates in value and the toughest part of the journey is actually making that first step into the property market. Rather than having your heart set on a waterfront mansion, think small for your first purchase look at for a property you can afford more easily, which will work as a step up towards something more aspirational. Your small property will increase in value while you build equity, and this is the ideal foundation for a valuable property portfolio. Calculate how much you can afford to invest It can be tempting to spend a little more on the best property, but realistically, you want to stay within a budget where you can gradually build equity and increase the value of your investment. Your circumstances can change over the long term, so you want to calculate conservatively, based on what you can afford to pay off. Saving for your deposit is an excellent practice run to calculate how much you can afford to spend on mortgage payments each month. Best of all, while you are saving, you can’t fail! If you find that you have over-estimated, you simply need to reduce your monthly savings, while you still have a growing deposit. Save a substantial deposit The bigger your deposit, the more flexibility you gain you will have more options for attractive home loan rates, you will have a wider range of choices when purchasing and your repayments will be easier to manage. Do your research When you find the right property, start by researching the market value of the home. You may be able to negotiate the price down, if you know that other comparable houses are priced lower. Also research any council plans for the area, and other logistical aspects of the property, such as proximity to public transport and shops. Most importantly, request a property inspection to see if there are any issues regarding structure, water or electricity. Some issues might give you some leeway to renegotiate the asking price, while other issues might have you reconsidering the purchase due to potentially expensive repairs or dangerous living conditions. Seek financial expertise Talk to a financial expert, such as a mortgage broker, to establish the best loan package for your needs and to help you navigate all the legal and financial paperwork involved in purchasing a property. The right home loan can make a huge difference by reducing the amount of interest you need to pay over the long term and helping you pay your loan off faster.

07.01.2022 We’re seeing an increasing number of homeowners refinancing their home loan and electing to lock them in to fixed terms. With some really sharp fixed rates available, it’s certainly worth considering. Some of the pros: Certainty in repayments over the fixed term Generally lower rates than variable at present... Therefore, more money in your pocket in these trying times Some of the cons: Limited flexibility and sometimes hefty costs if you want to break the term Limited ability to make additional repayments Many banks (though not all) offer no offset or redraw on their fixed loans There’s certainly more to consider than this, and if you’d like to find out whether you should consider fixing your loan please drop us a message and we can walk you through the options. Thanks, Steve.

07.01.2022 There has never been a better time to review your financial situation and consider your loan options. As of the 20th March, the Reserve Bank of Australia (RBA) has the Cash Rate at an all-time low of 0.25%. But not all lenders have passed on the full rate cut in recent weeks, which has some customers looking for better options. Some of the most attractive rates are also coming with cash rebates! If you're unsure of how competitive your current loan is or would like to secure a new loan while the cash rate is at an all-time low, contact our team on 0437522303 or by emailing [email protected]

01.01.2022 Many of our customers have come to us in recent weeks looking to take advantage of rates that haven't been this low in living memory for many of us. Whether fixed or variable, if you haven't reviewed your home loan in the past year, chances are you're giving the bank more than you need to. Chat to us for a couple of minutes and we'll be able to determine if there are lower rates available to you.