Colin Lamb - mortgage broker

Colin Lamb - mortgage broker Looking for finance? Then speak to 2013 Australian Broker of the Year (as awarded by the Australian

If you haven't reviewed your home loan lately, then chances are you're missing out.Complete our home loan health check t...
10/10/2022

If you haven't reviewed your home loan lately, then chances are you're missing out.

Complete our home loan health check to find out whether you can get a better outcome - whether that means more money back in your pocket, or shaving years off your loan.

Get in touch to get started.

Sure, you could spend your weekend trawling the internet, comparing interest rates, completing paperwork, plugging your ...
07/10/2022

Sure, you could spend your weekend trawling the internet, comparing interest rates, completing paperwork, plugging your details into calculators…or you could find an expert to do it for you.

'Time isn't the main thing. It's the only thing' - Miles Davis.

Debt isn't anything to be scared of. Especially if you're:- Getting fair and reasonable terms- Using the funds on apprec...
04/10/2022

Debt isn't anything to be scared of. Especially if you're:
- Getting fair and reasonable terms
- Using the funds on appreciating assets
- Able to afford to make repayments

Get in touch if you plan to secure some good debt – like a home loan.

Budgeting gets a bad rap.The very word conjures up images of spreadsheets, having to save receipts, track every purchase...
30/09/2022

Budgeting gets a bad rap.

The very word conjures up images of spreadsheets, having to save receipts, track every purchase, and generally kiss goodbye to any remotely frivolous (i.e. fun!) spending.

So, the 80:20 ratio is a refreshing approach to budgeting.

Simply, it means diverting 20% of your income to savings, and then spending the other 80% however you like.

Tell us your favourite budgeting hacks in the comments!

We've never seen anyone wish their way to a profitable business.Every small business owner out there knows it is hard wo...
30/09/2022

We've never seen anyone wish their way to a profitable business.

Every small business owner out there knows it is hard work! But hard work alone isn't enough.

We specialise in helping business owners find the right type of finance. Whether you want to expand your operations, grow your team, or invest in equipment, chances are you'll need a finance solution.

Send us a DM to get the conversation started.

Your credit score is a numerical representation of how you manage your debts and financial obligations.⠀⠀When it comes t...
26/09/2022

Your credit score is a numerical representation of how you manage your debts and financial obligations.⠀
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When it comes to applying for finance, lenders need to make a decision about whether they can rely on you to pay them back - and your credit score will give them a good indication.

You can keep your credit file healthy by paying your bills - including credit cards - on time. You also want to keep applications for credit to a minimum, because you don't want lenders thinking you're racking up debt left, right and centre.

When was the last time you accessed your own credit file? Ask us how.

Making extra repayments on your home loan has a bigger impact than you might think – all thanks to the magic of compound...
18/09/2022

Making extra repayments on your home loan has a bigger impact than you might think – all thanks to the magic of compound interest.

If you have a $1M loan and pay back an extra $100 each month, you will pay back your loan 13 months sooner, and save more than $20k in interest!

This is assuming a 3% interest rate and a 30 year loan term, so please treat these figures as indicative only.

Get in touch if you'd like help crunching the numbers on your extra repayments.

When we help our clients secure a home loan, it's about making sure they can comfortably handle the repayments. Now and ...
16/09/2022

When we help our clients secure a home loan, it's about making sure they can comfortably handle the repayments. Now and in the (rather likely) event of a rate rise.

After all, a home loan should be life-enhancing.

If your home loan feels more like a ball and chain, get in touch to explore your options.

If you've got plans to secure a home loan, then one of the most important pieces of advice we can give is to start the p...
11/09/2022

If you've got plans to secure a home loan, then one of the most important pieces of advice we can give is to start the process early.

Imagine getting to crunch time and missing out on your dream property because your finance isn't sorted, or having to go with your third choice of lender purely because they're the only ones who'll approve you in time. It happens!

Getting in touch with us sooner, rather than later, also means we can help you create the best impression with the lender - this preparation will ideally start months before you apply.

So, what are you waiting for?

If you're a sole trader looking to secure a home loan, then one of the best things to do before you apply is to make sur...
10/09/2022

If you're a sole trader looking to secure a home loan, then one of the best things to do before you apply is to make sure you're keeping your business finances separate from your personal finances.

This allows the banks to get a clear view of what's what, and also shows them you're running a professional operation.

After all, nothing screams 'I'm just winging it' more than personal credit cards maxed out on business expenses.

We also suggest getting in touch with us at least 6 months before you intend to apply for your loan, so we can give you some insight into how the banks may look at your situation.

Get in touch to learn more.

Happy Father's Day!
04/09/2022

Happy Father's Day!

Applying for a home loan - whether it's your first or fourth - is all about creating the right impression. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀...
31/08/2022

Applying for a home loan - whether it's your first or fourth - is all about creating the right impression. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Not only do lenders want to make sure you're willing and able to pay them back, and that you're making an astute investment (after all, it'll become their property if things go south!), but they also need to do their due diligence to stay on the good side of the regulator.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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To put your best foot forward, you want to make sure you're managing your accounts in a way that screams 'responsible'. It's about forming money habits that show you're in charge.
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Send us a DM to kick things off.⠀

Address

Como, WA
6152

Telephone

+61419944497

Website

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