Deposit Solutions

31/03/2025

🏡 How much can you knock off a home’s asking price? 🏡⁣
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When you're in a buyer's market, the listed price of a property is just the beginning.⁣
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Nationally, the median seller discount was 3.6% below the original asking price in December, according to CoreLogic.⁣
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It may not sound like much. ⁣
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But it could see you save tens of thousands of dollars if the home costs around the $1 million mark.⁣
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What can you do to help give yourself a buyer's edge? 🤔⁣
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Having your home loan pre-approved can potentially put you in the driver’s seat for price negotiations.⁣
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It could let sellers know you’re a serious buyer with finance ready to go - and they might not want to risk losing you to another vendor.⁣
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Call us today about a pre-approved home loan. 👇⁣
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To find out more, DM us or contact Orama Finance on:

☎️ – 1300 167 262
💻 – [email protected]

26/03/2025

‘Close to public transport’ is often touted as a plus for home buyers. But new research shows just how much close proximity to a busy road, railway or flight path can impact property values. 🚛 🚚 🏡

‘Close to public transport’ is often touted as a plus for home buyers. But new research shows just how much close proximity to a busy road, railway or flight path can impact property values. Location, location, location. When you’re hunting for a new home, most people are on the lookout for an...

26/03/2025

🏡 How to break into the property market while renting 🏡⁣
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Renting doesn’t have to lock you out of the property market.⁣
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Smart strategies can help get you into a place of your own.⁣
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Mix and match between: 👇⁣
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✅ Use your super account: fast-track your savings by making use of the First Home Super Saver Scheme.⁣⁣
✅ The federal government's Home Guarantee Scheme: buy with as little as a 5% deposit and zero LMI.⁣
✅ If available, tap into your state's First Home Owner Grant or stamp duty concessions/exemptions.⁣
✅ Get a guarantor: can a close relative guarantee your loan? It could let you buy with a 5% deposit and no LMI.⁣⁣
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Talk to us to find out how you can take your first steps on the property ladder and wave goodbye to the rental merry-go-round. 🎠⁣
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To find out more, DM us or contact Orama Finance on:

☎️ – 1300 167 262
💻 – [email protected]

24/03/2025

📈 When will house prices kick off again? 📈⁣
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The truth is no one really knows... ⁣
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But house prices are being tipped by KPMG to rise slightly around the country this year, followed by growth 'more aligned with long-term averages' in 2026:⁣
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Here is their predicted rate of house price growth (year on year) for each capital city over the next two years:⁣
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- Sydney: 3.3% (2025), 7.8% (2026)⁣
- Melbourne: 3.5% (2025), 6% (2026)⁣
- Brisbane: 3.1% (2025), 5.6% (2026)⁣
- Adelaide: 2.0% (2025), 3.6% (2026)⁣
- Perth: 4.0% (2025), 4.6% (2026)⁣
- Hobart: 1.8% (2025), 2.7% (2026)⁣
- Darwin 1.2% (2025), 2.5% (2026)⁣
- Canberra: 3.5% (2025), 3.5% (2026)⁣
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Why the predicted uptick in 2026? ⁣
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KMPG points to the prospect of lower interest rates established throughout 2025 driving improved buyer confidence and sentiment into 2026.⁣
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If you’re in a position to buy now, get in touch today to find out your borrowing power. 👇⁣
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To find out more, DM us or contact Orama Finance on:

☎️ – 1300 167 262
💻 – [email protected]

19/03/2025

This Easter offers more than chocolate eggs and hot cross buns. It brings a rare mega-holiday, and if your budget doesn’t stretch to a trip away, check out our tips to enjoy a memorable getaway – at home. 🏕

This Easter offers more than chocolate eggs and hot cross buns. It brings a rare mega-holiday, and if your budget doesn’t stretch to a trip away, check out our tips to enjoy a memorable getaway – at home. Fun fact: 2025 sees the Easter public holidays fall in the same week as Anzac Day. That [.....

19/03/2025

🤢 The top turn-offs for Aussie home buyers 🤢⁣
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The leading location bugbears for home buyers, according to Compare the Market, are:⁣
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🗑 Close to a tip⁣
✈️ Next to the airport⁣
🪦 Overlooking a graveyard⁣
🚗 Alongside a highway⁣
🚊 Next to a railway.⁣
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The thing is, no single location factor is a turn-off for the majority of buyers.⁣
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What matters is that you consider the negatives for you - and then factor those into your buying budget.⁣
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Speaking of which, to get a clearer idea of your purchasing power, get in touch with us today and we can help you work it out. 👇⁣
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To find out more, DM us or contact Orama Finance on:

☎️ – 1300 167 262
💻 – [email protected]

17/03/2025

🤔 Did my repayments change when the cash rate was cut? 🤔⁣
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Not if you have a fixed rate home loan. And not all variable rate home loans do, either.⁣
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Some lenders automatically reduce variable home loan repayment amounts in line with RBA rate cuts. 👍⁣
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Other lenders, however, simply maintain your repayment amount at the old level. It’s just that more of your money goes towards paying off the principal (rather than the interest) each month.⁣
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This can be frustrating if you’re hankering for some extra money for your family budget each month (which is kind of the point of RBA cash rate cuts). 🙃⁣
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However, some banks take the view that by maintaining your old repayments, they’re helping you pay more off your loan and allowing you to get ahead with your mortgage.⁣
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To find out if your bank is automatically dropping your monthly repayments, or if you need to request for it to happen instead, get in touch with us and we can let you know. 👇⁣
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To find out more, DM us or contact Orama Finance on:

☎️ – 1300 167 262
💻 – [email protected]

12/03/2025

It’s been a long, hot summer, but the seasons are shifting and it’s time to prepare for the cooler months ahead. A few simple improvements could help keep your home snug without overheating your power bills. 🔥

It’s been a long, hot summer, but the seasons are shifting and it’s time to prepare for the cooler months ahead. A few simple improvements could help keep your home snug without overheating your power bills. It’s almost time to pack away the boardies, swap sarongs for sweaters and cross from c...

12/03/2025

🏡 Is 2025 the year you become an investor? 🏡⁣
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Almost one in three Australians intend to buy property this year, according to Australian Property Investor's Property Sentiment report.⁣
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It’s the highest percentage of would-be buyers since mid-2022*. ⁣
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But here’s what really caught our eye. 🧐⁣
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A whopping 65% of these buyers plan to purchase an investment property.⁣
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Goes to show that property still holds plenty of appeal to investors. 🏡⁣
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And why not? ⁣
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Housing values have surged close to 100% in a number of markets over the last 10 years, according to CoreLogic.⁣
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Are you keen to invest in a rental property? Talk to us to find out ways you could get the ball rolling. ⚽️⁣
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To find out more, DM us or contact Orama Finance on:

☎️ – 1300 167 262
💻 – [email protected]

10/03/2025

🏚 How to finance your home renovation 🏚⁣
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If home improvements are on your radar, you’re not alone.⁣
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Spending on renovations is at near-record levels, according to the Housing Industry Association.⁣
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Question is, how can you pay for it? 🤔⁣
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A home loan top-up with your existing lender is one option.⁣
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Another possible source of reno funds could be refinancing to a new loan.⁣
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And for supersized projects, a construction loan is purpose-built for the job.⁣
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To find out more on how you could fund your next reno, get in touch today. 👇⁣
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To find out more, DM us or contact Orama Finance on:

☎️ – 1300 167 262
💻 – [email protected]

05/03/2025

The so-called market ‘downturn’ we saw over the last few months was a blink-and-you-miss-it affair. Home prices are once again on the up. We unpack what’s happening – and why now could be a good time to buy. 📉📈

The so-called market ‘downturn’ we saw over the last few months was a blink-and-you-miss-it affair. Home prices are once again on the up. We unpack what’s happening – and why now could be a good time to buy. Jeepers. That didn’t last long. Back in early January, CoreLogic declared Austral...

05/03/2025

🙌 How 193,000 Aussies bought their first home 🙌⁣
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Keen to potentially get into your first home sooner?⁣
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That’s what the Home Guarantee Scheme (HGS) is all about. 👍⁣
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It lets first home buyers buy with a 5% deposit and no lenders mortgage insurance - which is much less than the standard 20% deposit.⁣
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The scheme has helped 193,000 first home buyers get into the market since it launched in 2020*.⁣
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The HGS offers two key benefits:⁣
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✅ First, the option to buy with a 5% deposit⁣
✅ Second, the savings of zero lenders mortgage insurance. That’s because the government guarantees your loan.⁣
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Talk to us to know if you’re eligible for the Home Guarantee Scheme. 😁⁣
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To find out more, DM us or contact Orama Finance on:

☎️ – 1300 167 262
💻 – [email protected]