JadeTree Finance

18/02/2025

RATE DROP

Our Long-Awaited Rate Drop is Here!

Reserve Bank of Australia has lowered cash rate by 25bps to 4.10%!

Read RBA's full statement here:

At its meeting today, the Board decided to lower the cash rate target to 4.10 per cent and the interest rate paid on Exchange Settlement balances to 4 per cent.

04/09/2021

They love, they care, but most importantly they act as a shield without even letting you know.

Lets pay tribute to all Fathers out there.

31/08/2021

Is your Home Loan still working for you?

Have your circumstances changed (a new job, growing family etc) since you took the home Loan? It is good to have Home Loan health checks regularly to ensure your home loan is still working for you and meets your requirements. Life changes and so may your home loan needs.

Home loan health check is a discussion aimed to evaluate if your home loan suits your current circumstances. We will understand your current situation, answer all your finance questions and evaluate your current loan.
The result of the discussion may be:
• Your existing loan is still the best
• It’s possible to reduce your loan repayments with the current lender
• You may want to change your loan structure
or
• We may recommend you to Refinance (as a better loan may be available with other lender)

Call us today at 0481518192 for your complimentary Home Loan Health Check.

26/08/2021

Spring is just around the corner!

Are you looking to take advantage of the Spring real estate market?

Getting pre-approved for a mortgage beforehand will allow you to shop with confidence - you'll be prepared when the time comes to make an offer on that perfect property!

Let us help you find the right mortgage. Call us at 0481518192 or PM us for a no-obligation chat.

05/08/2021

Are you Saving for your Home?

Have you accounted for the “upfront costs” which you may incur when buying your Home? It’s important to understand these costs, so you can add them to your .

Besides, the actual cost of the Property, some of the other costs that are associated with purchasing the property are:

• Government charges like Stamp duty, Land Transfer fees, Registration fees etc;
• Conveyancer/Lawyer fees
• Building and Pest Inspection fees
• Lender fees like Application Fees, Settlement Fees, Annual Package Fees etc (These fees varies from lender to lender and also depends on the product you select)
• Lenders Mortgage Insurance (LMI): If you are taking a loan of more than 80% of the property value, most lenders will require you to pay Lenders Mortgage Insurance.
• Home insurance fees
• Council & Utility rates etc.

We can help you by reviewing all fees applicable to you.

Feel free to call us at 0481518192 for a no-obligation chat.

16/06/2021

Are you aware, that the actual rate you receive on your Fixed-Rate Home Loan is the rate on Day? That means the rate you see when you apply for a Fixed-Rate Home Loan can be very different from what you actually get.

As interest rates come into focus and more and more borrowers consider fixing their Loan, it might be worth considering looking at RATE LOCK.

A Rate Lock will ‘lock in’ the interest rate on your Fixed-Rate Home Loan at the time of application or when you pay the rate lock fee (varies from Lender to lender). This means that even if rates move higher between the time you apply and the time the loan is settled, you will still receive the same agreed-upon interest rate.

Generally, lenders charge either a fixed fee or a percentage of the home loan, which is normally up to 0.15%, to access a rate lock. The rate lock will last anywhere from 60 to 90 days and varies between different lenders.

Please feel free to contact Us at [email protected] or call us at 0481518192 for more information on Rate Lock.

04/03/2021

NAB PREDICTS THAT HOUSE PRICES WILL RISE BY 7.9% IN 2021!

03/03/2021

House Prices Surge in February!

The strength in the Australian property market has continued for another month, with strong gains in all capital cities.

According to the latest data from CoreLogic, capital city house prices increased by 2.1% in February, the fastest rise in 17 years.

Hobart and Sydney were the strongest capital city housing markets, gaining another 2.5% in February, while Melbourne’s market continues to keep moving higher since the end of the lockdowns, gaining 2.1%.

House prices across the country are now 4.0% higher than they were this time last year, prior to the start of the COVID-19 pandemic.

04/01/2021

With the excitement of the start of a New Year, it’s a good time to gain momentum on creating more of the lifestyle you want for yourself. Most often New Year Resolutions are geared towards getting fit, eating better & adding more self-care time to your day.

Have you given any thought to achieving financial fitness through debt consolidation, increasing your home equity with a much needed renovation or even buying a house that fits you or your family better?

There’s no time like the start of the year to take action and if you need more information & service please call or text anytime at 0481518192 to get started.

02/01/2021

New Year, New Home, New Adventure, New Memories!

If this sounds like your New Year's resolution, reach out to Us at 0481518192 and let’s start planning your move.

06/11/2020

The process of identifying the ‘best’ mortgage begins with understanding and defining your NEEDS and PREFERENCES. It also depends on your CURRENT SITUATION and your FUTURE PLANS.

For example, if you want to pay off your Loan fast, you may want a shorter loan term and/or variable loan with offset/redraw benefits.

Let us understand your Unique Circumstance so we can work out the most suited Mortgage Solution for you!

Call us at 0481518192 for a no-obligation chat.

05/11/2020

Did you know that not all lenders calculate Rental Income the same way?

Knowing these details could be the difference between getting an approval or a decline. Your bank only has one option; we have dozens!

Call or text us at 0481518192 and we will be happy to assist you.