Luke Whitbread - Mortgage Choice in Erina

18/10/2021

What a weekend of celebration for the business with Luke Whitbread winning the MFAA National Young Gun of the Year award!! This may sound familiar - yes it is the award that Katie won last year. What brilliant recognition for Luke and our regional business that we have the back to back Young Guns from the entire nation! Pretty sure that is a first in the industry.

02/02/2021

Starting the New Year with the right note! Luke Whitbread has been recognised in the industry as a National Young Gun for 2021. This award is testimony to his relentless pursuits for his clients throughout 2020. A year when more upheaval than ever was thrown at homebuyers, Luke was able to navigate successfully to come through for his clients over and over again.

29/09/2020

Completing a major renovation or building a brand new home can be one of the most exciting projects you could take on. And just like your builder needs the right tool for the job - you're going to need the right finance to make your dreams come true. Talk to us about finding the right construction loan for you! 🔨

27/09/2020

Interest only loans? Accessing equity? Fixed rates? If you're looking at investment in property, you might have some questions about the type of loan structure, features or rate that are going to suit you best. Let us help! We'll talk you through all the things you need to consider. Talk to us today on 02 4365 0900

21/05/2020

Curious about applying for a home loan but don't know where to start? Why not try out our mortgage calculator and see where you stand? Check it out here 👉 https://bit.ly/2J2O2T7

10/02/2020

This is a question I get asked a lot, however, the answer is simple...

It depends.

💰How much cash will you need to live off each year?

🏘️How big is your asset base?

💸Are you planning on living off the rental income?

🤑Would you prefer to sell?

If your goal is to earn $100,000 after-tax income per year (in today's dollars) from rent alone, you would need to own roughly $4million of unencumbered property (no mortgages or loans).

Don't believe me? 🤥

Using a rental yield of 4.5%, which is higher than average, for every $1million of property you would receive $45,000 rent per annum. After expenses like rates, maintenance, agents fees you are left will roughly $35,000 then you also have to pay tax.

If you don't think you can save your way to retirement, why not make your money work for you?

Give me a call and we can come up with a plan to help you grow your property portfolio 📞

05/02/2020

We are looking for a fun, energetic and motivated personality to join our award-winning Central Coast team.

Our office promotes work-life balance and possesses a wealth of quality lending knowledge and experience. This position offers a flexible 25-30 hours per week which can be tailored to fit your lifestyle and goals.

If you are self-motivated with strong communication skills and want to be part of a positive and fun environment, PM us for more information!

03/02/2020

🏠 🏠 Attn: First Home Buyers!! 🏠 🏠
There are a lot of misconceptions surrounding the grants available for First Home Buyers. Have a look below to see if you are eligible for either of the two available grants:

First Home Loan Deposit Scheme
- Saved at least 5% deposit
- Earned under $125k as an individual and $200k as a couple in the last financial year
- Purchasing a property to live in

Stamp Duty Exemption
- Available to all first home buyers
- No stamp duty payable on properties purchased under $650k and is scaled up to $850k. Above this you pay the standard rate
- Have to live in the property for 6 months, starting in the first 12 months. This is the most misunderstood point. For example: You technically do not have to move into the property until the very last day of the 12 months and in this period you are allowed to rent out the property.

If you are eligible for both of these grants and can service the loan, all that is required to buy a $600k property is a $30k deposit. If you want to find out more, send me a message or give me a call 📨

02/01/2020

28/12/2019

Working as a Mortgage Broker and helping others achieve their dream of owning a home has been exciting over the last couple of years, but now we can finally join in on the excitement because we bought a house 🏡☺️

PS - If you have any questions relating to finance feel free to DM me or give me a call on 0426 007 638 🤙

04/11/2019

If you're a property owner on the East Coast here's hoping that Moody's forecasts are correct!! Sydney and Melbourne both tipped to rise by over 7% in 2020 and a further 7% for 2021.

The Sydney and Melbourne property markets will be the top performing housing markets in 2020 according to Moody Analytics. Their analysts expect Sydney...

23/10/2019

Fun night at the last Friday. Great effort from the team to be recognised as one of the top Regional Brokerages in the country!