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Laura Waters - Finance Broker

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Australia
Geelong, VIC
Laura Waters - Finance Broker

🏡Residential & Commercial Finance Broker
👊Achieve financial freedom!
📞0402 416 908
📧laur

04/09/2024

🏡 Buying an investment property using your home’s equity 🏡⁣
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More than one-in-five Australians (21%) aspire to own investment properties to build their wealth, according to MLC’s Financial Freedom report.⁣
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And that goal for current homeowners might be more reachable than you think. 🤨⁣
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You see, national property prices have increased 13.5% since January 2023, and CoreLogic’s latest Pain and Gain report reveals that homes sold in the first quarter of 2024 made a median profit of $265,000. ⁣
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But you don't need to sell your family home to tap into any potential rise in equity your home has experienced.⁣
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By refinancing, you can essentially cash out a decent portion of the equity and use it to invest in an investment property, shares, super or even a renovation.⁣
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To find out how you could leverage your family home's equity, give us a call today. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎️ – 0402 416 908
💻 – [email protected]

02/09/2024

✂️ Could you cut $280 off your monthly repayments? ✂️⁣
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After a string of cash rate hikes, research shows mortgage holders could be paying an interest rate of up to 7.11%, says RateCity.⁣
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But the average rate for new home loan borrowers is currently 6.3%. ⁣
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That's a pretty big difference. 😅⁣
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On a loan of $600,000, refinancing or renegotiating to a lower rate of 6.37% (and that's being conservative) could cut $280 off monthly repayments.⁣
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Call us today to find out if you could cut back your mortgage repayments by refinancing. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎️ – 0402 416 908
💻 – [email protected]

28/08/2024

🏔 One-in-three of borrowers are still to face the mortgage cliff 🏔⁣
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It’s not over just yet...⁣
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Over one-third of the low-rate fixed loans from 2022 will roll over to variable rates this year, says the RBA. 😮⁣
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If that sounds like you, it might be time to start planning ahead.⁣
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✅ Know how your repayments could change: we can explain likely loan repayments after your fixed-rate period ends.⁣
✅ Give your budget an overhaul: cutting back on non-essentials can free up extra cash and help build a buffer.⁣
✅ Skip loyalty tax: many lenders offer attractive rates to new customers. Refinancing could help you save with a lower rate.⁣
✅ Last but not least, talk to us: we can help you prepare for the end of your fixed-rate home loan.⁣
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To find out more, DM me or contact Laura Waters on:

☎️ – 0402 416 908
💻 – [email protected]

26/08/2024

🤨 What assistance is available for first home buyers? 🤨⁣
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Saving up to buy your first home is no mean feat. 😅⁣
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Fortunately, there’s a few schemes and options that can help you get your foot in the door. 🥾⁣
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Pick from:⁣
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✅ The Home Guarantee Scheme: buy with just a 5% deposit and no LMI.⁣
✅ First Home Owner Grants: worth up to $10,000 in many (but not all) states.⁣
✅ Stamp duty concessions or exemptions: available in most states.⁣
✅ The First Home Super Saver Scheme: grow a deposit in super^.⁣
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Even better, you can mix and match the different schemes above to help fast-track your first home purchase.⁣
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Talk to us to find out about the first home buyer schemes you could tap into. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎ – 0402 416 908
💻 – [email protected]

22/08/2024

🚨 Investor alert: rental property claims on the ATO radar 🚨⁣
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Landlords, look out! 😮⁣
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The Australian Tax Office is warning that rental property claims are under the spotlight this year. 🔦⁣
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It follows a review showing 9 out of 10 landlords are getting their tax returns wrong. 😬⁣
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So what do you have to watch out for in particular this year? 🤔⁣
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Repairs and maintenance costs will be closely reviewed. 🏚⁣
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The tax man will also be looking for inflated expenses to offset increased rental income. 🧐⁣
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If you think this might be the year to start using a tax agent, get in touch and we'll put you in touch with someone we trust. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎️ – 0402 416 908
💻 – [email protected]

19/08/2024

🤔 What happened to the predicted 2024 rate cuts? 🤔⁣
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Interest rates don’t look like heading south any time soon. 🙃⁣
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It’s all thanks to inflation, which is sitting stubbornly just above the Reserve Bank’s target range of 2-3%*.⁣
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Chances are we won’t see any cash rate cuts for home loans until at least early 2025 (and some pundits are now saying a hike might now come before a cut). 😤⁣
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But don’t let that stop you from taking action of your own. 👍⁣
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We’re still seeing a big difference in rates across lenders.⁣
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Better still, rising property values may mean you’re in a great position to refinance. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎️ – 0402 416 908
💻 – [email protected]

14/08/2024

🧐 What does buying a home ‘subject to finance’ mean? 🧐⁣
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Seen a place you love but not sure if you’ll get a home loan? 🤔⁣
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Making an offer ‘subject to finance’ can buy valuable breathing space. 👍⁣
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It means you could walk away from a purchase with your deposit intact if you can’t land a home loan. ⁣
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The catch? 🎣⁣
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The seller doesn’t have to go along with a sale that’s subject to finance - and there's a reasonable chance they won't if you're buying in a seller's market. 🙃⁣
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Another option you can consider is lining up home loan pre-approval before making an offer on a property. 🙌⁣
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If you'd like to find out more about pre-approval, call us today. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎ – 0402 416 908
💻 – [email protected]

12/08/2024

🚙 What are the most popular cars to buy right now? 🚙⁣
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🛻 Ford Ranger remained king of the road in May with 5,912 sales, followed closely by the Toyota HiLux (5,702) and Toyota RAV4 (5,517), according to FCAI statistics.⁣
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🚗 Toyota was market leader in May with 23,389 sales, followed by Ford (8,806), Mazda (8,002), Kia (7,504) and Hyundai (6,495).⁣
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🔋 Almost one-in-four cars sold in May was either an electric vehicle (8.1% of sales) or hybrid vehicle (15.8%)⁣
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Itching for a new car but not quite sure how to fund the purchase? ⁣
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Call us today to discuss your vehicle finance options. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎ – 0402 416 908
💻 – [email protected]

07/08/2024

🚩 Five red flags home buyers might want to avoid 🚩⁣
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Looking to buy a home? 🏡⁣
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Here are five red flags that might catch a lender's attention and see you knocked back from your next home loan application. 😤⁣
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💻 Job hopping – lenders love stability. Sometimes it's safer to stick with your current job.⁣
💳 Card churning – frequently switching and applying for credit cards can damage your credit score.⁣
🙃 Running late with repayments – this will likely show up on your credit record.⁣
💸 Unpaid debts – no surprise that this won’t go down well with a lender.⁣
📝 Making multiple home loan applications – questions will be asked. Like whether (and why) you’ve been turned down by other banks.⁣
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Call us for help on getting your next home loan application across the line. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎ – 0402 416 908
💻 – [email protected]

05/08/2024

👍 Are you paying a fair price for your new home? 👍⁣
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Housing affordability is tough enough as it is right now. 🙃⁣
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Who wants to then overpay for a home? 😅⁣
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Research is one way to try and figure out if you’re paying market value. 🤓⁣
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Websites like Domain and realestate.com.au show median values for individual suburbs - and also have recent sales you can compare against.⁣
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You can then drill down further by looking at:⁣
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🏡 The size of the block⁣
🛁 The number of bedrooms/bathrooms⁣
🏚 The condition of a home⁣
🚗 Extras like off-street parking that add convenience plus value.⁣
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Talk to us about loan pre-approval too. It shows you’re a serious buyer during price negotiations. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎ – 0402 416 908
💻 – [email protected]

31/07/2024

📉 How the cash rate impacts your home loan 📈⁣
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Why do RBA rate decisions attract so much attention? 🚨⁣
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Because they shape the home loan rates we pay. ⁣
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Think of it this way. 🧐⁣
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The cash rate is the interest rate banks pay when they borrow from each other, something they do surprisingly often, sometimes daily.⁣
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Banks can also borrow funds from the RBA at a little above the cash rate. ⁣
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If a lender has to pay the cash rate to borrow money, it’s a no-brainer they’re going to charge a higher rate to consumers. 🙃⁣
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It’s how banks make money.⁣
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That’s why if the cash rate rises, your variable home loan rate usually rises too. 📈⁣
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Like to know if you’re paying a competitive rate? Call us today for a a loan health check. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎ – 0402 416 908
💻 – [email protected]

29/07/2024

🏡 Know anyone who'd like to buy their first home sooner? 🏡⁣
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With national property prices surging almost 9% over the past year (CoreLogic), saving a 20% deposit is like chasing moving goal posts. 🏉⁣
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But the federal government's low deposit scheme has now helped over 150,000 first home buyers get a foot into the property market sooner. 😮⁣
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Known as the Home Guarantee Scheme, it lets you buy with just a 5% deposit and not pay lenders mortgage insurance. 🤙⁣
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It’s already helped 156,000 first home buyers into a place of their own.⁣
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And it could help you too. 🤜 🤛⁣
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But places are limited - and they've just opened up a new allocation of spots for this financial year.⁣
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Give us a call today to find out if you’re eligible. 👇⁣
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To find out more, DM me or contact Laura Waters on:

☎ – 0402 416 908
💻 – [email protected]

Address

Geelong, VIC
3220

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.laurawaterspodium.com.au/

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