Xperion Finance

30/05/2025

📝 Why Should You Engage a Mortgage Broker & How We Can Help 🏠

Engaging a mortgage broker offers numerous advantages, making the often complex and stressful process of securing a mortgage smoother and more efficient. Here are some compelling reasons to consider:

1️⃣ **Personalized Financial Assessment**: A mortgage broker tailors mortgage options to suit your specific financial situation, ensuring the best fit for your needs.

2️⃣ **Access to Multiple Lenders**: Brokers have access to a wide network of lenders, increasing your chances of finding favourable terms and interest rates.

3️⃣ **Expert Market Knowledge**: They stay updated on the latest market trends and lender offerings, providing informed advice.

4️⃣ **Time-Saving Convenience**: Brokers handle the legwork of comparing different lenders and options, saving you time.

5️⃣ **Negotiation Power**: Skilled negotiators, brokers can often secure better terms and rates for you.

6️⃣ **Simplified Application Process**: They guide you through the paperwork, making the process less daunting.

7️⃣ **Understanding of Complex Terms**: Brokers explain complex mortgage terms in simple language, ensuring you fully understand your agreement.

8️⃣ **Assistance for Unique Situations**: They can find lenders willing to accommodate unique financial circumstances, like self-employment or lower credit scores.

9️⃣ **Objective Advice**: Offering unbiased advice, brokers focus on finding the best deal for you, regardless of the lender.

🔟 **Long-Term Relationship**: A broker can provide ongoing support for future refinancing or financial advice.

Our team at Xperion Finance specializes in:
• 🏡 Residential Finance
• 🏢 Investment Loans
• 🔄 Refinancing
• 📈 Self-Managed Superannuation Funds Finance
• 💼 Commercial Finance
• 💳 Tax Debt Finance

📞 Contact us at [email protected] or give us a call on 07 3608 4174 to see how we can help you.

28/05/2025

🔥 Affordable reno ideas to help keep your home cosy 🔥⁣
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Below are 3 simple ideas that could help keep your home snug and reduce winter power bills. ⛄️⁣
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🚪 Keep the cold out: up to 25% of winter heat loss can come from draughts. Fix gaps that are letting cold air in with door drafts and caulking.⁣
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⚡️ Rethink home heating: reverse cycle air-conditioners are the most energy-efficient heater (and cooler), according to the federal government.⁣
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🏠 Insulate: one-third of a home's warmth can be lost through the roof. Insulating your roof cavity can save you on heating and cooling over the long term. ⁣
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If you're planning a reno ahead of this winter but don't have a way to fund it, get in touch today and we'll help you explore your options. 👇⁣
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To find out more, DM us or contact Xperion Finance on:

☎️ – 07 3608 4174
💻 – [email protected]

26/05/2025

🏘️ Could rentvesting be a good fit for you? 🏘️⁣
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Did you know around one in twelve (8%) Australians are rentvesters, according to CoreLogic.⁣
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That's people who own an investment property while renting another place to live in.⁣
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Rentvesting can let you buy in a more affordable suburb. 🏡⁣
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You can then earn rental income plus possible tax savings from negative gearing.⁣
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And you can use the equity in your investment property to buy a home later on.⁣
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The key is to be sure you can manage the cashflow of renting – and owning a rental.⁣
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We can help you crunch the numbers to see if rentvesting might work for you. 👇⁣
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To find out more, DM us or contact Xperion Finance on:

☎️ – 07 3608 4174
💻 – [email protected]

21/05/2025

🏡 Heard of the First Home Super Saver scheme? 🏡⁣
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The FHSS scheme lets you grow a deposit through voluntary contributions to super.⁣
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The contributions and returns are taxed less compared to most income tax brackets.⁣
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That means more money could go towards building a house deposit. 🏠⁣
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The most you can withdraw is $50,000 (plus earnings).⁣
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But a couple pooling their savings could potentially access $100,000 (plus earnings) to buy a home.⁣
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The scheme may not provide all your deposit needs, but it’s another option to consider that could help you save faster.⁣
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Talk to us today to find out more. 👇⁣
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To find out more, DM us or contact Xperion Finance on:

☎️ – 07 3608 4174
💻 – [email protected]

20/05/2025

Australian borrowers have received another reprieve with the RRBA today cutting the cash rate by 25 basis points to 3.85%. How much could this decrease your monthly mortgage repayments? 📈 🏡

Discover expert mortgage advice and accounting services in Australia. Our mortgage brokerage and accounting firm offer personalized solutions to help you achieve your financial goals. Read our latest blog posts for insights and tips on home loans, refinancing, tax strategies, and more.

19/05/2025

🏚 How much does a renovation cost? 🏚⁣
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Renovations can add to your lifestyle and your home’s value.⁣
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But working out the cost can be challenging - after all, no one renovation is the same... 😅⁣
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But as a bit of a guide, Archicentre has released its latest cost guide, which shows the cost of popular renovations.⁣
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It estimates that a renovation to an existing area costs between $1,450 to $3,600 per square metre. 🔨⁣
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Or between $2500 to $4,800 per square metre for new extensions. 🏡⁣
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Meanwhile, expect to pay $16,000 to $32,000 per bathroom/ensuite, $22,000 to $48,000 for a kitchen, and $9,000 to $19,000 for a laundry.⁣
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Talk to us for information into how to fund your next renovation project. 👇⁣
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To find out more, DM us or contact Xperion Finance on:

☎️ – 07 3608 4174
💻 – [email protected]

14/05/2025

It’s a common belief that real estate values double every decade. But is this true? New research reveals how much home values have increased over the past ten years. 📈 🏡

Discover expert mortgage advice and accounting services in Australia. Our mortgage brokerage and accounting firm offer personalized solutions to help you achieve your financial goals. Read our latest blog posts for insights and tips on home loans, refinancing, tax strategies, and more.

14/05/2025

🤔 Why 1-in-2 families are thinking of refinancing 🤔⁣
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Savvy home owners are taking a DIY approach when it comes to rate cuts.⁣
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Interestingly, half of variable rate borrowers are currently considering refinancing, according to Canstar research.⁣
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And 1-in-7 have already made the move in the last 12 months. 😎⁣
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Why the interest in refinancing?⁣
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Loans with an interest rate starting with the number '5' are now being offered by many lenders.⁣
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So... for example, if your current home loan interest rate is at 6.06% with a $600,000 balance remaining (25-year loan term), Canstar says refinancing to 5.74% could still see you save almost $3,000 in interest over the next two years.⁣
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That amount increases to $12,000 over the next two years if your current interest rate is 6.86%. 😮⁣
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Get in touch today to find out how much you might save on interest by refinancing. 👇⁣
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To find out more, DM us or contact Xperion Finance on:

☎️ – 07 3608 4174
💻 – [email protected]

12/05/2025

🏡 Why now could be a good time to build a new home 🏡⁣
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Building costs increased by just 0.4% nationally in the March quarter, according to CoreLogic.⁣
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That's the lowest quarterly uptick since 2010.⁣
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Add in higher prices for established homes, and it could be a more attractive proposition to build a new place or get started on a major renovation.⁣
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How much should you budget for? 🤔⁣
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New constructions can cost around $2,550-$4,800 per square metre on average, according to Archicentre.⁣
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Talk to us about a construction loan. ⁣
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It's a loan type for new builds and is structured to potentially help you save on interest as you build (compared to a standard home loan). 👇⁣
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To find out more, DM us or contact Xperion Finance on:

☎️ – 07 3608 4174
💻 – [email protected]