Stewart Fielder - Eadon Home Loans

Stewart Fielder - Eadon Home Loans Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Stewart Fielder - Eadon Home Loans, Mortgage brokers, 425 Henley Beach Road, Brooklyn Park.

At the going down of the sun, we will remember them.Thank you to all our past, present and future service men and women....
11/11/2022

At the going down of the sun, we will remember them.

Thank you to all our past, present and future service men and women.

The Eadon Home Loans team.

Hi everyone,This is the time of year when many people reassess their financial and property goals.We can arrange finance...
10/10/2022

Hi everyone,

This is the time of year when many people reassess their financial and property goals.

We can arrange finance if you are looking to:
Buy your first home
Buy your next home
Invest in property
Renovate your current home
Refinance your existing loan

We also offer asset finance solutions through a range of lenders, whether you need a car, truck or boat loan, capital or debtor finance or anything in between.

Whatever your goals, let me know so we can discuss the right strategies and develop an action plan.

Get in touch today I would love to help you.
0452 513 243

Disclaimer Statement: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

It is going to eventually happen, here is some information for you to start planning what you want to do.As a first step...
30/09/2022

It is going to eventually happen, here is some information for you to start planning what you want to do.

As a first step, think about your current loan, your personal circumstances and goals.
• Is your loan working for you?
• Are you using any features such as offset accounts or redraw facilities effectively?
• Has your financial or family situation changed, and could this affect the type of loan that’s right for you?
• What are your intentions for the property (hold, sell, use the equity to renovate or buy an investment property)?

What happens when my fixed rate ends?
Your lender will likely get in touch with a new offer to re-fix your loan closer to when the loan term ends. If you do nothing, your home loan will usually revert to your lender’s variable rate.

What are my options?
Once your fixed term ends, you can stay with your current lender or refinance to a new one. You could:

Re-fix your home loan. With this option, you’ll know exactly what your repayments will be during the fixed term and can budget accordingly. However, you may be up for break costs if you end your fixed term early.
Switch to variable. Variable rates may be lower than the proposed new fixed rates and there may be advantages such as loan features and unlimited repayment options to help you get ahead.
But if the cash rate increases, your interest rate may rise too.
Split your loan. This is when a portion of your loan is fixed and the remainder is variable, potentially allowing you to benefit from both loan types.

Can I extend my current fixed rate mortgage?
Unfortunately not. However, you can fix your home loan at a new rate. Most lenders offer fixed terms of 1 to 5 years.
Consider all aspects of a loan product – not just the interest rate. What features can save you interest? How does one lender’s fees compare to others?

I can review your mortgage and explain whether it still meets your needs. Get in touch today, We would love to hear from you.

Stewart Fielder
0452 513 243

Disclaimer Statement: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

Here’s what to look for in an investment property.Capital growth potential.Look for areas that are experiencing economic...
30/09/2022

Here’s what to look for in an investment property.

Capital growth potential.
Look for areas that are experiencing economic growth. Economic growth creates jobs. Jobs bring people to an area. You’ll also want to choose a property that has good access to amenities like hospitals, shops, and transport.

Rental yield.
Rental yield is the rate of income return compared to the costs involved in owning an investment property. It’s typically expressed as a percentage and may be calculated as a gross or net figure.

Low vacancy rates.
The rental vacancy rate gives you an indication of the percentage of rental properties that are unoccupied. For example, if a suburb has a vacancy rate of 4%, it means 4% of rental housing is not tenanted.
Higher vacancy rates might mean more properties than renters, so your property could sit vacant longer and rent for less.
Lower vacancy rates could imply a tight market, more competition amongst renters for available properties and potentially higher rent.

Proposed planning changes.
When researching a suburb, it’s important to investigate any proposed planning changes that could affect your investment.

Features and lifestyle factors.
Think about the kinds of features that may resonate with future tenants. It might be a second bathroom. Storage space. A garage.
Also, weigh up the lifestyle appeal of a suburb. Are there parks nearby? A beach within walking distance? Cafes or entertainment? All of these offerings can make a property more appealing to tenants.

Low maintenance costs.
You don’t want to be forking out massive coin for maintenance and repairs that eats into your profit potential. Instead, opt for a property that is low maintenance.

Buying an investment property can be a clever way to build wealth. It’s a good idea to seek independent financial advice from a professional advisor and/or your tax accountant.

We can support you with - Free property reports to guide you in your property hunt - Tips on how to budget for an investment property - Pre-approval on your investment loan - The loan application and approval process - Advice about your investment loan in the future. We’re here to help, so please get in touch.

Stewart Fielder
0452 513 243

Disclaimer Statement: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

Settlement day. It’s that magical moment a property finally becomes yours.If you’re new to buying property, rest assured...
29/09/2022

Settlement day. It’s that magical moment a property finally becomes yours.

If you’re new to buying property, rest assured it’s totally normal to feel anxious about everything going to plan. Here’s some tips for what you need to do to ensure your settlement day is stress-free.

💁Tip #1: Sort out your finances early
Ask us to organise pre-approval on your finance. That way, you’ll have a solid understanding of how much a lender is likely to lend you.

💁Tip #2: Find a good conveyancer
You’ll need a reliable conveyancer to oversee the complex legal requirements and paperwork involved in a property purchase.

💁Tip #3: Negotiate a date that suits you
Remember, the settlement date is negotiable. Even if you’re buying at auction and the settlement period is in the contract, you may be able to liaise with the seller’s agent to see if they would be open to a different date.

💁Tip #4: Be vigilant about the paperwork (and we will be too!)
Failing to return paperwork on time or forgetting to sign a page or tick a box can all delay loan approval. The same goes with paperwork for your conveyancer.

💁Tip #5: Enjoy the journey
Buying a property is honestly one of life’s most rewarding and exciting experiences.
By having the right professionals on your team to support you through the process, you can concentrate on the fun stuff – like planning your housewarming!

You crack the champagne🍾. We’ll do the rest. Get in touch today!

Stewart Fielder
0452 513 243

Disclaimer Statement: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

Hi everyone,Yes, we know that getting a home loan is boring. I mean exciting to be buying a home but it is so boring all...
29/09/2022

Hi everyone,

Yes, we know that getting a home loan is boring. I mean exciting to be buying a home but it is so boring all the stuff in-between! 🙄😆

As your mortgage broker, I am always committed to finding you the right home loan to suit your goals and individual circumstances.

We have access to a wide range of lenders, including loan options that are exclusively available through me. These products will provide you:

👍Competitive rates and low fees: Access industry-leading rates and loans with low fees not available at major banks and branches.

👍Flexibility: There are options suitable for home or property investment, and also cater for complex borrowing requirements.

👍Simple to fully featured: You can access a range of options from straightforward loans to those with all the extras. Only pay for what you need.

👍Exceptional service: We will provide you support from start to settlement and afterwards. Unlike traditional lenders, We will be part of your journey for the life of your loan and always available to support you along the way.

Get in touch with me today to find out more and let’s make your property dreams come true!

Stewart Fielder
0452 513 243

Disclaimer Statement: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

Looking to buy a home? 🏡🏠🏡🏠Let us find you the right home loan to buy that place of love, hope and dreams! 🥰 ...
28/09/2022

Looking to buy a home? 🏡🏠🏡🏠

Let us find you the right home loan to buy that place of love, hope and dreams! 🥰

Disclaimer Statement: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

At Eadon Home Loans we’re in it for the long haul. Our goal is to support you with all your big finance decisions, at ev...
28/09/2022

At Eadon Home Loans we’re in it for the long haul. Our goal is to support you with all your big finance decisions, at every stage of your life.

Whether you’re looking to buy your first home, next home, an investment property or another big-ticket purchase, forming a strong relationship with your broker is one of the smartest moves you can make.

Here’s why.

1. Deal with one person who has your best interests at heart 🥰

We operate under a statutory obligation to act in the best interests of our clients when providing credit advice. Banks, however, are not required to operate under the same obligation.
We’ll listen to your financial situation and goals, then explain which finance product may be right for you – now and in the future.

2. Make the most of your income and available credit 👍

We help you use your income and borrowing power wisely to support your lifestyle in the future.
What’s more, we’re happy to work with your financial planner or accountant to achieve your goals.

3. Ongoing support 🧑‍💻

Sometimes lenders reel you in, then forget about you once they have your business. In contrast, we’ll be on your team for the long run.
When something comes up you should know about, we’ll let you know. If there’s an opportunity to get you a more suitable loan or save money, you can count on us to keep you in the loop.

4. Manage your loans and stay on top of your financial situation🧐

With time, your financial situation will change. You may get promoted, have a baby, decide to downsize or change your living arrangements.
We’ll be there to help you navigate through those changes and support you in making the right finance decisions for you.

Let’s start with a chat. Reach out and I'll explore how we can support you with your finance journey. 😄
Stewart Fielder
0452 513 243

Disclaimer Statement: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

Interest rate newsAt its September meeting, the RBA increased the official cash rate by a further 50 basis points to 2.3...
27/09/2022

Interest rate news

At its September meeting, the RBA increased the official cash rate by a further 50 basis points to 2.35 per cent.

It is the fourth consecutive half-point rate hike aimed at curbing soaring inflation, which reached a two-decade high of 6.1 per cent in the June quarter.

This means an increase of about $150 per month for a typical borrower with a variable-rate mortgage of $500,000 over 30 years.

But economists predict the RBA will now shift to smaller rate increases in October and November as it approaches a neutral rate level.

If you’re worried about meeting your mortgage repayments with the recent interest rate rises or you want to review your home loan, talk to me. I'm here to help and happy to chat with you free of charge.

Contact me today on 0452 513 243
Disclaimer Statement: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of loan product.

Address

425 Henley Beach Road
Brooklyn Park, SA
5032

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