Nathan Munoz - Finance Specialist

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The Reserve Bank of Australia (RBA) has reduced the cash rate by 0.25%, bringing it down to 4.10%—the first cut since 20...
20/02/2025

The Reserve Bank of Australia (RBA) has reduced the cash rate by 0.25%, bringing it down to 4.10%—the first cut since 2020.

This is a significant opportunity for current and prospective homeowners, investors and first-home buyers.

With various lenders passing on the full rate cut, it is estimated that borrowers with an average home loan of $600,000 can expect to save just under $100 extra per month.

Reduced interest rates can also enhance your borrowing power, making it a little more easier to either refinance or purchase a new property.

With lower rates, now’s the time to review your current mortgage and explore new property opportunities.

I’m ready to help you take advantage and navigate you through these changes - get in touch today!

📲 0402093770
📧 [email protected]
💻 linktr.ee/nathanmunoz_thebroker

Feeling very refreshed and grateful after taking some time to relax and be with my family over the summer. Back in offic...
10/02/2025

Feeling very refreshed and grateful after taking some time to relax and be with my family over the summer.
Back in office and ready for a big year ahead 🙌

This is why I do what I do 👆Very kind words from a long term client of mine and a great outcome.In this current market, ...
12/04/2024

This is why I do what I do 👆

Very kind words from a long term client of mine and a great outcome.

In this current market, we are seeing a lot of refinance applications come through.

It’s so great to see people take the initiative to review their mortgages and better their financial situation.

If this sounds like something you’ve been thinking about, you know what to do 👇

📲 0402093770
📧 [email protected]
💻 linktr.ee/nathanmunoz_thebroker

Ever wondered how your borrowing capacity shapes up across a panel of 30+ lenders? Borrowing capacity is an amount a len...
09/04/2024

Ever wondered how your borrowing capacity shapes up across a panel of 30+ lenders?

Borrowing capacity is an amount a lender is willing to lend to you. This is determined by three key things combined, your income, your expenses and your liabilities.

Lending capacities can vary substantially across all lenders which is why it is so important to consider a lender that meets your requirements.

That’s why I am here to assist you in understanding your borrowing power and help maximise how much a lender is willing to lend to you.

Get in touch if you wish to understand more about your borrowing capacity 👇

📲 0402093770
📧 [email protected]
💻 linktr.ee/nathanmunoz_thebroker

Are you getting the best deal on your home loan? 🧐With interest rates sitting at an all time high, it’s crucial to make ...
03/04/2024

Are you getting the best deal on your home loan? 🧐

With interest rates sitting at an all time high, it’s crucial to make sure you’re not overpaying on your mortgage.

Whether you are planning to purchase a property, consolidate multiple debts, or coming off a fixed rate. I’m here to help guide you.

Let’s ensure your home loan is working for you, not against you!

Get in touch so we can review your situation together 👇

📲 0402093770
📧 [email protected]
💻 linktr.ee/nathanmunoz_thebroker

Client Testimonial! 🤩Grateful for the opportunity to help client’s throughout their financial journey and a bonus to rec...
27/03/2024

Client Testimonial! 🤩

Grateful for the opportunity to help client’s throughout their financial journey and a bonus to receive amazing feedback.

Whatever financial challenges you are experiencing, let’s see how we can tackle these crazy times together.

Let’s not leave money on the table, give us call or book in for a quick chat 👇

📲 0402093770
📧 [email protected]
💻 linktr.ee/nathanmunoz_thebroker

Keen to unlock your business potential?With the ever changing needs in the growth and operations of a business, knowing ...
25/03/2024

Keen to unlock your business potential?

With the ever changing needs in the growth and operations of a business, knowing where to find the right finance options is crucial.

From startup capital to business expansions and managing cashflow, having a well versed Finance Specialist in your corner, ensures that your small business stays informed, competitive, and resilient in a dynamic market.

Whatever your challenges may be, reach out to see how I can help you take your business to the next level.

📲 0402093770
📧 [email protected]
💻 linktr.ee/nathanmunoz_thebroker

Owning your own home is one of the most exciting things that you will experience in your lifetime. Make sure you enjoy t...
15/03/2024

Owning your own home is one of the most exciting things that you will experience in your lifetime. Make sure you enjoy the process by taking the time to understand all of the steps first.

I’ll be here throughout the entire process to help you and offer you personalised service and support.

If you wish to start your own home buying journey, reach out for more information 👇

📲 0402093770
📧 [email protected]
💻 linktr.ee/nathanmunoz_thebroker

Curious as to how mortgage brokers get paid? 🧐As your trusted advisor, I wanted to shed some light on this particular qu...
20/02/2024

Curious as to how mortgage brokers get paid? 🧐

As your trusted advisor, I wanted to shed some light on this particular question that has popped up frequently by a few clients. The best part? Is telling people that my services are entirely fee-free and here’s how it works.

Short answer: Brokers are typically paid a commission by the lender upon settlement of your loan, so there are no direct costs associated to the borrower.

Generally, our commission is received in two parts: The upfront commission and trail commission.

An upfront commission is a one-time payment for introducing a new customer to that lender. The trail commission is an on-going smaller monthly payment for maintaining a relationship with the client throughout the life of the loan.

That’s right! Out relationship doesn’t end once the loan is secured. As your broker, I will keep in touch to ensure that your mortgage still fits your needs. Life changes, and so do your financial goals. That why I am here to review and adjust your loan if necessary, so that it continues to work for you.

An advisor for life and no hidden costs! Seems like a no-brainer.

If your thinking it’s been a while since you’ve reviewed your loans, feel free send me a DM or reach out below 👇

📲 0402093770
📧 [email protected]
💻 linktr.ee/nathanmunoz_thebroker

New Year, New Car?Picture this: your dream car parked in your driveway, a fleet of commercial vehicles driving your busi...
17/01/2024

New Year, New Car?

Picture this: your dream car parked in your driveway, a fleet of commercial vehicles driving your business to new heights, or state-of-the-art machinery empowering your business expansion.

Whether you’re an individual looking to upgrade your ride or a business owner aiming to take your venture to the next level, researching finance options can be both time consuming and overwhelming.

As your trusted finance broker I’m here to find you a tailored solution that aligns with your goals and financial needs, so that we can turn your visions into reality.

Let’s hit the road on your new adventure together.

Reach out to find out more👇

📲 0402093770
📧 [email protected]

I know I’ve been quiet on here for the last few months, however it’s all in preparation for some new and exciting moves....
12/01/2024

I know I’ve been quiet on here for the last few months, however it’s all in preparation for some new and exciting moves.

I am excited to announce that I have taken a new business opportunity and have now collaborated with Fundamental Business Finance to broaden and diversify my brand. I’m very pleased to be able to offer a wider range of financial services to both new and existing clients including:

* Residential Home & Investment Loans
* Asset Finance (Personal & Car Loans) - secured & unsecured
* Commercial & Business Lending
* SMSF Lending
* Cash Flow Finance
* Construction & Development Finance

I’m looking forward to an amazing 2024, helping you achieve your financial goals however big or small.

📲 0402093770
📧 [email protected]

A staggering 880,000 fixed-rate loans are set to end this year alone 🫢 And when they do, many Australian’s will be facin...
17/05/2023

A staggering 880,000 fixed-rate loans are set to end this year alone 🫢

And when they do, many Australian’s will be facing significantly higher mortgage repayments compared to when they locked in years ago.

Those who locked in 2020/2021 interest rates between the 1.75 to 2.25% range will be now be transitioning to interest rates as high as 5 to 6%.

According to Corelogic reports, a mortgage holder who took out an average-sized loan of $538,936 with a fixed rate of 1.98% could see their repayments increase by over $1,000+ per month when rolling over to a standard variable rate.

When a fixed-rate loan period ends, lenders often don’t roll existing clients over to the best interest rates they have on offer. The most attractive interest rates are usually reserved for new customers as an incentive.

Now may be a great opportunity for you to review your loan and explore options that align with your situation and financial goals.

So, if you are sitting on the edge feeling like you are about to fall off - don’t wait until it’s too late.

Let us sit down together and make a plan so we can help you manage this transition:

📞 0402 093 770
📧 [email protected]
💻 https://linktr.ee/nathanmunoz_thebroker

Address

Geelong, VIC
3220

Telephone

+61402093770

Website

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