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Aussies are expected to be close to $30 billion deeper in debt off the back of record spending over Christmas. According to a new analysis of Reserve Bank of Australia (RBA) data, Australians have been left with a severe financial hangover from their Christmas spending. The damage is expected to total a record high or $29.7 billion in credit card debt (up from $27.9 billion in 2017). The data also revealed that based on how long borrowers said it would take to pay off their credit card debt in 2018 and taking into account an average 55 day interest free period, it is anticipated that the interest alone from Christmas spending will total $237 million. If you need some help implementing a strategy to reduce that credit card debt ASAP then send us a message today! . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Will you help us this year? This year we want to help as many people as we possibly can, in order to do that, we need some help from you! What we want you to do is go onto our Facebook page and have a scroll through our recent posts. If you see something that you think could interest somebody you know, please tag them in it! Alternatively, if you don’t think that the person would appreciate being tagged on our facebook page then please just give them our details along with a few reasons why you recommend us. Thank you all! . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
So, Christmas is over and most of you are probably back at work by now. Working ever so tirelessly to try and pay back off credit cards after you splurged on countless occasions over the past few weeks! What if i told you that you could potentially consolidate your unsecured debts from the holiday season AND refinance your home loan into one monthly payment that may even be less than your current home loan payment WITHOUT taking into account the unsecured debts? Let’s get your year started off the right way, send us a message today if you are interested in finding out more! . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
A recent survey has found that there could be as many as 900,000 loans reverting from interest only repayments over to principle and interest this month. If you think that your loan could be one of them, reach out for a review so that we can help you find the most suitable product going forward. . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Did you know that your daily spending habits could be the difference between securing your loan… or not? In 2018, the focus of the regulators has been the verification of income and living expenses. The reason that they are doing this is to ensure that there is a more realistic assessment of the borrower’s genuine ability to repay their home loan. While the majority of your living expenses are discretionary and could be reduced before you landed yourself in any sort of financial hardship, it is now more than ever so important that you try and stick to a budget and live within your means, especially if you have plans to obtain finance in the near future! . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
’Tis the season to be debt consolidating!! If you have noticed that the credit cards seem to be getting awfully close to their limits and staying there, maybe it is time to get in touch with us, your finance specialist. Just recently, we have assisted a young couple consolidate their home loan, 2 maxed out credit cards and a personal loan and their minimum monthly repayment has actually decreased! We strongly suggested that they continue paying repayments as they where prior to the debt consolidation and this should see their home loan reduce at an accelerated rate! . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Do you know how much your home or investment property is worth? Generally when we ask our clients how much their property is worth they have a wild guess. Sometimes they are right, sometimes they are very wrong. Send us a message today for a free property report! . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Time for a new car but dreading going from dealership to dealership to find the best deal? We have the solution! Message us today to find out how you could get the cheapest price possible on a brand new car by only speaking to one person! . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Have you hit a wall trying to calculate how your going to afford the unsecured debts you have accrued this year? Send us a message, we have helped multiple clients consolidate their unsecured debts throughout the last few months. In each case so far we have refinanced the clients home loan and negotiated a better interest rate for them while increasing the home loan a little to pay out a few small debts. . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
These next few months can often leave a number of Families feeling extremely stressed and concerned about how they are going to keep their kids happy on Christmas morning. It’s perfectly normal to want to spoil your kids for Christmas, you want them to have all the latest toys and gadgets! If you find yourself building up the credit cards or even personal loans in these months leading up to Christmas, get in touch with us. We can either help implement a strategy to help you clear those debts ahead of schedule or we can assist with the consolidation of those debts. . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
We have the news you have all been waiting for!! Unfortunately, it is not the winner of the Melbourne Cup. We can, however, tell you that the RBA has just announced that it will hold the cash rate steady at 1.5% for another month. . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Imagine if you could text your bank to ask for a better deal! This is probably what it would look like if you could. The good news is, you can text us and ask for a better deal! . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Congratulations to our client Bryson on the new car! Don’t forget that we don’t only do Home Loans, we can also help you find the best deal when financing a car. Send us a message today if you need help with: 🏠Home and/or Investment Loans 🚗Vehicle & Equipment Finance 🏙Commercial Finance . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Are you guilty of asking Google at least one of these questions? If so, you should send us a message today so that we can answer what google couldn’t! There is no ‘one fits all’ solution when it comes to finding the best home loan, that is why our recommendations are specifically tailored to you and your needs! . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
There is no such thing as a bad time for a home loan review! Especially if it has been a number of years since your last review. Refinancing your home loan could save you thousands in interest and see your debt cleared years earlier. . . . . #financebrokers #brokers #financials #mortgage #homeloan #savings #budgets #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Have you ever taken a second to think about why you may be so reluctant to refinance your home loan - even though there are much better deals out there? Comment below, the number one thing that is holding you back from refinancing, let’s see if we can work around it together! . . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Following on from our most recent post on refinancing, we have seen an abundance of debt consolidation scenarios land on our desk! Now is a great time to consolidate those pesky credit cards and personal loans into your home loan. The key take away from this strategy is to commit to making the same repayments you are now in order to clear the extra debt at an accelerated speed. Message us now to arrange an appointment where we can discuss this further. . . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
With a number of the banks announcing rate increases, is your home loan still competitive? Now may be the time to refinance! Send us a message if you would like to discuss this further! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
The Reserve Bank has now kept official interest rates on hold at 1.5% for 26 months. Australia’s economic growth data for the 2nd Quarter was released in September and positively surprised with growth at 3.4%, the fastest since 2012. . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
We can help! Are you looking for: A new car 🚗 A new truck 🚚 A new tractor 🚜 A new boat 🚤 We have got lenders who will lend for almost any asset you could possibly want to buy, be it for personal or business use. Message us today if you would like to know more! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Today AMP has announced that it will be joining the likes of some of the major banks and withdrawing from the SMSF lending space. We have still got plenty of lenders on our panel that are working in this space, message us today to find out more! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #SMSF #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
More variable rates increased today! Do you know if your lender was one of them? Comment on this post and we will message you with some more information, now could be a great time to opt for a fixed rate! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
There is no doubt that Australians and visiting tourists have embraced Airbnb accommodation sharing with gusto. There are many pros and cons of Airbnb hosting. The real motivator for most hosts is making money from available unused space in their home or investment property. How could Airbnb benefit you? If you would like a copy of our latest article on Airbnb, comment on this post and we will send it to you! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
It’s probably fair to say that everybody should know about changes to credit reporting. Why? Because credit reporting could affect everybody! If you are unaware of the changes that are taking place, comment on this post and we will send you a snapshot document outlining the difference between this new system and the old system. . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending #comprehensivecreditreporting
Today two more major banks announced an increase to their variable rates. CBA announced they would be increasing their standard variable rates by 0.15% and ANZ announced they would also be increasing their standard variable rates by 0.16%. ANZ however will not be passing on this rate increase to customers in drought affected regions of Australia. Now is proving to be a fantastic time to consider looking at opting for a fixed rate, please send us a message today if you are interested to know what fixed rates are on offer right now! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Did you know that most Australians will run out of money within 5 years of retiring? There ARE steps you can take NOW to avoid a future super shortage AND avoid working until you are 75! HOWEVER - you need the right strategy and advice. Regardless of your age... have you asked yourself if you could retire on just one property? . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Westpac has announced yesterday that they will be increasing their standard variable rates by 0.14% on September the 19th, is this going to impact you? If so, now is a fantastic time to look at locking in your interest rate if you have not already done so. Westpac is the first of the 4 major banks to make an out of cycle rate increase, only time will tell if the others will follow suit! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Now I don’t want to sound like a broken record, but while some people are starting to think there is no point in talking to us because the property market is gloomy and all hope has gone… we are helping more and more people every day save hundreds of dollars each month (sometimes even with the same lender) just by having a review of their finances over a quick coffee. We occasionally get feedback from our clients that they don’t want to bother us because you think we are too busy. Well that’s our job! To be busy - looking after you. Nothing gives us more joy than to help our clients, friends and family improve their finances, save money, pay off debt and increase their wealth. If you have not had a finance analysis with us for over 18 months, then it’s time for a review. . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
ME Bank has tested the knowledge of 1,000 Aussies who are looking to purchase their first home or have already purchase an owner occupied or investment property. The results show that first home buyers are suffering from overconfidence and low financial literacy. Despite 70% of first home buyers claiming they feel confident about making financial decisions the results show that 61% of first home buyers fail a basic property buying literacy quiz. Some of the alarming results where: * 88% of first home buyers don’t understand that lenders mortgage insurance covers lenders, not borrowers. * 85% of first home buyers don’t know there is no cooling off period when purchasing at auction * 78% of first home buyers don’t know you need to pay the deposit on auction day * 66% of first home buyers don’t know what conveyancing is, with 38% incorrectly thinking that the term refers to checking boundaries or physical issues with your property before you buy * 63% of first home buyers don’t know what an offset account is Many Aussies fail to educate themselves because they find the topic of finance boring and complex. As your trusted Finance Broker we pride ourselves on our ability to hold your hand through the entire process from start to finish and thoroughly enjoy teaching borrowers of all age and experience the ins and outs of the borrowing world. . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance
Does your investment property need a little bit of love? Now is the time to get those odd jobs quoted and completed, if you can get it done by 30th June then any money spent is going to be wiped off your taxable income. . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending #EOFY #taxtime
With the end of financial year just around the corner now, what better time to post a reminder of the services we can offer you as Finance Brokers. If you have friends or family who you think may be interested in any of the below, please share this post with them. . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Have you had a chance to read our winter magazine yet? If you haven’t, send us a message here and I will reply with the link to take you to the digital copy. As always, there is some fantastic content in this issue! . . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
With the end of financial year just around the corner, the time has come for those considering a new car to make a move, statistics show that June is one of the best months to grab a bargain on a car! One thing that is super important if you plan to finance your next car, make sure you compare the dealers finance options with our options, it is also very important to compare repayments and contract terms, not just interest rate! If you would like to discuss car finance options simply send us a message today! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
A survey has found that more than 2 in 5 prospective borrowers do not understand what lenders mortgage insurance (LMI) is. LMI is in place to protect the lender if a borrower can’t repay their mortgage. It does not protect you, the borrower. LMI is a cost payable when the amount you borrow vs the value of your security exceeds a certain amount. Generally speaking, if the value of your loan exceeds 80% of the value of your security then you will have to pay LMI however there are a few exceptions to this. For many first home buyers, LMI is likely to be a cost they have to pay in order to enter the property market, especially if they do not have a deposit that is 20% of the purchase price as well as funds to cover any stamp duty payable and legal fees. While most borrowers feel LMI is a cost to be avoided, it does have the benefit of helping buyers purchase a home with a smaller deposit which ultimately allows them to get a foot in the door sooner rather than later. If you would like to discuss LMI further or see if you are exempt from paying LMI, send us a message today! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
It can be tempting to stay in your home when you’re renovating, rather than spending money on rent. But is it really a good idea? Consider the pros and cons before you make a decision. The main advantages of staying in your home would have to be the money saved, the ability to monitor progress or lack of progress and the power to resolve any problems that should pop up. While it’s handy to live in, there are also some disadvantages to staying home while you renovate. The main disadvantages are that you will be living in the danger zone, tripping over tools etc. There is going to be dust everywhere and you are going to be super stressed as you lose your daily routines. Renovating your home is exciting. However, whether you decide to live in or not, you may encounter unexpected problems. Contact your mortgage broker for advice on how to make your renovation as simple as possible. . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Just incase you missed it, CoreLogic has released this great ‘mapping the market report’. The interactive report offers bite-sized commentary that works hand in hand with the interactive map of Australia’s capital cities. The report offers great insight into the geographical distribution of property value and allows you to pin point your suburb and compare todays property landscape and that of 2012 for both houses and units separately. See if you can find Australia’s most expensive suburb! Copy and paste the below link into your web browser to see the report! https://www.corelogic.com.au/mapping-market . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
DON’T MISS OUT - LINK IN BIO! Time is running out to enter the ultimate holiday competition! The competition will be closing at 5pm on Wednesday the 25th of April. You could win a $7,500 travel voucher and $2,500 in cash! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
There is no better feeling than knowing your finances are healthy so that you can focus on the good things in life. If you think your finances need a check up feel free to send us a quick message and we can arrange a time to discuss further! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
LINK IN BIO! Just over a week until the competition ends, if you haven't already entered then make sure you follow the link so that you are in with a chance of winning $7,500 towards a holiday of your choice as well as $2,500 cash! . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #personalfinance #residentialfinance #healthylending
Ten renovation ideas that can increase your home’s value. Taking care of basic maintenance before you sell your home is a no-brainer, but a quick and cheap renovation can add a lot of appeal for potential buyers, and may boost the final sale price. Basics first Fix those little faults that you no longer notice – leaking taps, rusty gutters, broken window catches. They can make a massive difference to a buyer’s perception of value. Landscape the garden A well maintained garden can create a low maintenance feel before buyers even step inside. Bring the outside in Opening living areas to the garden can be as simple as adding big bi-fold doors that create an inviting sense of flexibility. Take the inside out The garden is a place to relax: a barbecue area, deck, pergola or even a spa all invite buyers to imagine their future lifestyle in your home. Let the light in Brightening dark areas boosts a home’s appeal; you can install skylights quite economically, and swap solid doors in dark areas for glass-panelled ones. Put some colour on it Fresh paint makes a home look ready to live in. Think carefully about colours, and maybe seek some interior design advice. A solid footing New carpets make a home feel new. Again, think carefully about colour. Green it Installing solar panels or a solar hot water system can add value for potential buyers, who will see future energy cost savings. Bathroom fix A brand-new bathroom can cost a lot. Instead, think of replacing shower curtains with clear glass screens and installing new taps, a water-saving shower head and even a new toilet seat. Add storage Buyers are looking for places to store their stuff – cupboards in the garage and in neutral spaces such as hallways are always welcome. Some simple and affordable renovation moves can make your home more desirable to buyers, potentially adding to the final sale price. . . . . #financebrokers #brokers #finance #mortgage #homeloan #savings #savingsgoals #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers
Do you know how much you spend each month? After all, as long as we live within our budget or don't spend more than we earn, does it matter? The Australian Prudential Regulation Authority (APRA) plays a major role in protecting the financial wellbeing of Australians and this year APRA has verification of borrower income and spending patterns in its regulatory sights. Could this affect you? It could if you're in the market for a home loan. If you are hoping to obtain finance in the coming months, now would be a great time to draw up a budget and start sticking to your living expenses as more and more banks are asking to see transaction account statements to confirm your claimed living expenses. If you would like to know more about being 'loan application ready' please feel free to give us a call. . . . . . #financebrokers #brokers #finance #homeloan #savings #savingsgoals #budgeting #castlehill #sydney #buying #investmentloan #businessloan #pharmacy #pharmacylending #optometrist #optomlending #equipmentfinance #carfinance #boatfinance #motorbikefinance #offtheplan #investors #firsthomebuyers #property #aimdebtfree #debtsnowball #personalfinance #residentialfinance #financialpeace #healthylending