David Pfeiffer - Lydian Finance

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David Pfeiffer - Lydian Finance Professional Finance Broker, Adelaide SA. 25 years experience in Lending & Financial Advice.

🏡 Struggling to save a 20% deposit for your first home? 🏡⁣⁣The federal government is expanding its popular 5% deposit sc...
17/09/2025

🏡 Struggling to save a 20% deposit for your first home? 🏡⁣
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The federal government is expanding its popular 5% deposit scheme for first home buyers: the Home Guarantee Scheme!⁣
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What’s changing on 1 October 2025?⁣
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🏡 Higher property price caps⁣
🙌 No place limits⁣
😁 No income caps⁣
🧑‍🌾 Simpler access in the regions⁣
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With CoreLogic predicting that home prices could climb 5.8% nationally over the next 12 months, the scheme could help you beat rising property prices.⁣
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Contact us today to find out if you’re eligible. 👇⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

🤔 How soon can you refinance a home loan? 🤔⁣⁣You’ve just seen a loan with a pretty attractive rate – but is it too soon ...
15/09/2025

🤔 How soon can you refinance a home loan? 🤔⁣
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You’ve just seen a loan with a pretty attractive rate – but is it too soon to refinance?⁣
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While it is possible to refinance at any time, you'll probably want to make sure you’ll come out on top financially. 😅⁣
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Refinancing can bring costs on your old loan, including discharge fees.⁣
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Not to mention costs on the new loan - like application fees.⁣
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That’s why it’s worth giving us a call. 📞⁣
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We’ll crunch the numbers to see if refinancing would be beneficial to you, or if there's any extra costs you're not factoring in - not to mention loan features you'd be missing out on.⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

🏡 How to make an offer on a home 🏡⁣⁣Making an offer isn’t as easy as reaching for your wallet.⁣⁣Talk to us first to find...
10/09/2025

🏡 How to make an offer on a home 🏡⁣
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Making an offer isn’t as easy as reaching for your wallet.⁣
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Talk to us first to find out your borrowing power and set a buying budget. 💪⁣
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Next, research the market to get a feel for local property values. 🏘️⁣
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Even if you think the property is fairly priced, you can always try for a discount.⁣
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CoreLogic says the current median discount is about 3.4%. That could potentially save you a bit of money on the final purchase price.⁣
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Put any offers in writing to show you’re a serious buyer. 📝⁣
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Contact us to find out how we can help streamline your home-buying journey. 👇⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

😮 Skipping pre-approval sees 1-in-10 first home buyers miss out 😮⁣⁣It’s not unusual for first home buyers to miss out on...
08/09/2025

😮 Skipping pre-approval sees 1-in-10 first home buyers miss out 😮⁣
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It’s not unusual for first home buyers to miss out on their dream property.⁣
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A Finder survey shows 3 in 5 have been beaten to homes – often because they’re outbid by another buyer.⁣
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But over one in ten (11%) have lost out because they didn’t have home loan pre-approval. 🤔⁣
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Pre-approval could allow you to act faster, and negotiate (or bid) with confidence knowing you have the green light for a loan.⁣
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It can also give first home buyers a competitive edge for time-sensitive property sales. ⏳⁣
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Call us to know how pre-approval can help seal the deal and beat other buyers to the punch. 👇⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

🐶 The price of loyalty has doubled 🐶⁣⁣Get this: the average monthly home loan repayment amount has almost doubled in the...
03/09/2025

🐶 The price of loyalty has doubled 🐶⁣
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Get this: the average monthly home loan repayment amount has almost doubled in the last ten years.⁣
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It's gone up from $2,214 in 2015 to $4,383 in 2025, in no small part due to rising property values. 📈⁣
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Similarly, the potential interest savings on refinancing has more than doubled to $373 per month, according to Mozo.⁣
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That’s a potential saving of $4,400 each year - just from switching to a new lender.⁣
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Contact us to find out if you could save on interest each month. 👇⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

😅 Is COMO the new FOMO? 😅⁣⁣CoreLogic says home prices could rise 5.8% nationally over the year ahead.⁣⁣That’s seeing hom...
01/09/2025

😅 Is COMO the new FOMO? 😅⁣
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CoreLogic says home prices could rise 5.8% nationally over the year ahead.⁣
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That’s seeing home buyer FOMO (fear of missing out) evolve into COMO (compromise or miss out), according to Domain.⁣
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A little compromise can sometimes pay off. 🤝⁣
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Opting for an apartment rather than a house, looking a little further out than your preferred suburb, or maybe compromising on the number of bedrooms, could help you find an affordable home that ticks most of your goals. ✅⁣
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It’s about connection, not perfection.⁣
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Call us to find out your borrowing power. It can be the starting point to finding your next home. 👇⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

🏡 Investors are taking out 1 in 3 new loans 🏡⁣⁣Forget the winter chills. Property is running hot for investors right now...
27/08/2025

🏡 Investors are taking out 1 in 3 new loans 🏡⁣
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Forget the winter chills. Property is running hot for investors right now. 🔥⁣
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Investors accounted for over one-third of Westpac’s new loans during the past year.⁣
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And ABS data shows investment loans are up 9% over the last 12 months.⁣
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There’s plenty to tempt investors.⁣
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CoreLogic expects property prices to keep rising. 📈⁣
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Vacancy rates are still wafer thin – just 1.2% nationally, according to SQM Research.⁣
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And some lenders have recently cut rates on investment loans.⁣
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Interested in becoming a property investor yourself? ⁣
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Give us a call and we'll help you explore funding strategies that could make it happen. 👇⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

🏡 1 in 2 first home buyers use LMI to buy sooner 🏡⁣⁣As home prices continue to rise, close to half (48%) of recent first...
25/08/2025

🏡 1 in 2 first home buyers use LMI to buy sooner 🏡⁣
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As home prices continue to rise, close to half (48%) of recent first home buyers paid for lenders mortgage insurance (LMI) to help them buy sooner rather than later, according to Helia statistics.⁣
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LMI can apply if you buy a home with less than a 20% deposit (and haven't tapped into the First Home Guarantee scheme).⁣
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It’s a one-off insurance premium that protects the lender if a borrower can’t repay their loan. ⁣
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But without paying LMI, you may have to wait until you’ve saved a bigger deposit to buy a place. 🙃⁣
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The risk is that by then, home prices may have climbed even higher.⁣
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Talk to us to understand how LMI could help you beat rising property prices, or if you're eligible for the federal government's First Home Guarantee scheme. 👇⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

🏡 Home owners opt to leave repayment amounts unchanged after rate cut 🏡⁣⁣Here's an interesting stat that caught our eye....
20/08/2025

🏡 Home owners opt to leave repayment amounts unchanged after rate cut 🏡⁣
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Here's an interesting stat that caught our eye.⁣
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The Commonwealth Bank (which accounts for 1 in 4 Australian home loans) says only 14% of its variable rate customers reduced their minimum monthly repayment amount following the February 2025 rate cut.⁣
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The majority simply stayed with their old repayment amount. 🧐⁣
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Sure, these stats are from just one lender. And other lenders automatically decrease your minimum monthly repayment amount in line with their rate cuts.⁣
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But if your finances can handle it, leaving your repayment amount unchanged following a rate cut could be one way to pay more off your loan each month. 👍⁣
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Over time, those additional payments can have a decent impact on the total amount of interest you pay over the life of your loan, and help you pay off your loan sooner.⁣
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Call us to know how much you could save by leaving your repayments on hold when rates fall. 👇⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

🤔 Mythbuster: does paying more often pay off an offset loan sooner? 🤔⁣⁣Making repayments more frequently could help you ...
18/08/2025

🤔 Mythbuster: does paying more often pay off an offset loan sooner? 🤔⁣
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Making repayments more frequently could help you pay off a standard home loan sooner.⁣
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But what if you have an offset account? 🧐⁣
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Well, that’s when the key to getting ahead is maximising the balance in your offset account - not the frequency of your repayments.⁣
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Every day that your money is sitting in the offset account is another day you pay less interest on the account.⁣
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So, if you want to pay off your offset account home loan sooner, your focus should be on boosting the balance in your offset account for as long as possible - not repayment frequency.⁣
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Still confused? Get in touch and we'll be happy to run you through it some more. 👇⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

🏚️ 4 in 5 homeowners are apparently skipping home maintenance 🏚️⁣⁣They say home is where the heart is, but it seems many...
13/08/2025

🏚️ 4 in 5 homeowners are apparently skipping home maintenance 🏚️⁣
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They say home is where the heart is, but it seems many aren't putting their heart into their home. ⁣
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84% of homeowners are falling behind on their home maintenance, according to Allianz. 😮⁣
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Here are 3 key areas they recommend home owners focus on:⁣
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1. Regularly check flexi hoses to avoid water damage.⁣
2. Clear debris from your roof and gutters to prevent drainage issues⁣
3. Check the bathroom for signs of leaks.⁣
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Short on funds to carry out maintenance?⁣
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Your home equity could be one potential source. Get in touch to find out whether it could help keep your home in shape. 👇⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

🤔 Could your credit card impact your home-buying plans? 🤔⁣⁣Your credit card may be small in size. ⁣⁣But it could still h...
11/08/2025

🤔 Could your credit card impact your home-buying plans? 🤔⁣
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Your credit card may be small in size. ⁣
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But it could still have a big impact on your home buying plans if you have one, or multiple, credit cards with a high credit limit.⁣
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That's because when lenders assess your borrowing power they tend to look at your credit card limit – not the current card balance.⁣
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The bigger the credit limit, the bigger the potential impact on the amount that you can borrow. 😅⁣
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And that applies for each credit card you or your partner have open - even if the amount you owe is $0.⁣
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So what could you do? 🧐⁣
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Well, if you’re not planning to use your card’s full limit, you could consider lowering it (or even closing the account completely).⁣
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This could increase your borrowing power and potentially get you over the line for the home loan of your choice. 👍⁣
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To find out more, DM or contact David on:

☎️ – 0400 118 838
💻 – [email protected]

Address

634 Port Road
Adelaide, SA
5009

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 5pm
Saturday 12pm - 3pm

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