Nectar Home Loans & Finance - Emma Delahay

29/10/2024

If you're looking to upgrade or expand your vehicle fleet🚛, renovate your business premises🏬, or buy new tools for your trade⚒️, then speak with us📲. We can assist you in exploring loan options that suit your business needs👌.

24/09/2024

📢 Cash Rate Update – September 2024

As anticipated, Reserve Bank Governor Michele Bullock today announced the official cash rate (OCR) will remain at 4.35%.

The reason? Simply put, inflation is still too high because demand for goods and services—whether from households, businesses, or the government—continues to exceed what the economy can supply. When demand outstrips supply, prices rise. This is inflation. 📈

To tackle this, the Reserve Bank continues to use monetary policy to slow demand.
While most major banks predict a potential drop in the OCR in early 2025, the situation remains uncertain. Stay tuned!

🏡 Feeling the pressure as a mortgage holder? We’re here to help. Reach out, and together, we’ll explore options that may help ease the burden.

💼✨

25/07/2024

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐢𝐦𝐩𝐫𝐨𝐯𝐞 𝐲𝐨𝐮𝐫 𝐛𝐨𝐫𝐫𝐨𝐰𝐢𝐧𝐠 𝐩𝐨𝐰𝐞𝐫?💪
If you're considering a home loan🏡 - whether it's a first home, an upgrade or an investment property, it pays to be prepared and get your finances in order 📑
Check out Nectar's 𝟏𝟎 𝐡𝐚𝐧𝐝𝐲 𝐭𝐢𝐩𝐬 to boost 🚀 your borrowing capacity!

We have 10 useful tips to improve your borrowing capacity and help you get on the property ladder or into a new home sooner.

24/07/2024

𝐀𝐬 𝐲𝐨𝐮 𝐬𝐞𝐭 𝐮𝐩 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧🏠💵 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫 𝐰𝐡𝐚𝐭 𝐥𝐨𝐚𝐧 𝐟𝐞𝐚𝐭𝐮𝐫𝐞𝐬 𝐚𝐫𝐞 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐭𝐨 𝐲𝐨𝐮.
Knowing how each loan feature works will help you understand which are appropriate for your financial situation and lifestyle. Some can help you pay off your loan faster, while others allow you to access additional funds.
Read our blog to find out more about loan features and how they work👇

Lenders offer features, like extra repayments, to provide flexibility to their loan products. Find out which features work best for you.

11/07/2024

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠?🤔 It's a smart way to save money, but finding the right deal can be tricky. Sometimes, the best-looking offers might not align with your financial goals. Before you make a move, let's chat! 📲 I can help you compare rates and offers from multiple lenders to find a suitable refinancing solution for your long-term goals🥅

03/07/2024

Keeping track of multiple debts like credit cards, personal loans and car loans can be a headache😵‍💫 especially with high interest rates 📈
Debt consolidation could decrease your number of debts by absorbing them into your home loan📉 and potentially save you money each month too💵*
Interested? Find out more about debt consolidation here👇

*𝘊𝘰𝘮𝘣𝘪𝘯𝘪𝘯𝘨 𝘴𝘮𝘢𝘭𝘭𝘦𝘳 𝘥𝘦𝘣𝘵𝘴 𝘸𝘪𝘵𝘩 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘮𝘦𝘢𝘯𝘴 𝘢𝘥𝘥𝘪𝘯𝘨 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘵𝘰𝘵𝘢𝘭 𝘭𝘰𝘢𝘯 𝘷𝘢𝘭𝘶𝘦. 𝘛𝘩𝘪𝘴 𝘮𝘦𝘢𝘯𝘴 𝘺𝘰𝘶 𝘤𝘰𝘶𝘭𝘥 𝘦𝘯𝘥 𝘶𝘱 𝘱𝘢𝘺𝘪𝘯𝘨 𝘮𝘰𝘳𝘦 𝘪𝘯 𝘵𝘩𝘦 𝘭𝘰𝘯𝘨 𝘳𝘶𝘯. 𝑌𝑜𝑢 𝑠ℎ𝑜𝑢𝑙𝑑 𝑎𝑙𝑤𝑎𝑦𝑠 𝑠𝑝𝑒𝑎𝑘 𝑡𝑜 𝑎 𝑞𝑢𝑎𝑙𝑖𝑓𝑖𝑒𝑑 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑏𝑟𝑜𝑘𝑒𝑟 𝑏𝑒𝑓𝑜𝑟𝑒 𝑑𝑒𝑐𝑖𝑑𝑖𝑛𝑔 𝑡𝑜 𝑐𝑜𝑛𝑠𝑜𝑙𝑖𝑑𝑎𝑡𝑒 𝑑𝑒𝑏𝑡.

Keeping track of your car loan, credit card debt, and mortgage isn't easy. A debt consoliation loan can help you stay on track.

01/05/2024

With the end of the financial year (EOFY) fast approaching, you'll start to notice some fantastic vehicle deals and discounts. Before you go looking for a new set of wheels, talk to us about vehicle finance. We have access to over 50 lenders so can help you find the best deal possible. Don't delay, talk to us today.

30/04/2024

As a homebuyer in the current property market, saving more on your mortgage🪙🐷 and avoiding extra costs is always a plus.
One cost that can drive up your mortgage repayments is 𝐋𝐞𝐧𝐝𝐞𝐫𝐬 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 (𝐋𝐌𝐈).
However, there are ways you can avoid LMI. Here are a few:
𝟏. 𝐒𝐚𝐯𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐥𝐚𝐫𝐠𝐞𝐫 𝐝𝐞𝐩𝐨𝐬𝐢𝐭💰
𝟐. 𝐈𝐧𝐯𝐞𝐬𝐭𝐢𝐠𝐚𝐭𝐞 𝐢𝐟 𝐲𝐨𝐮'𝐫𝐞 𝐞𝐥𝐢𝐠𝐢𝐛𝐥𝐞 𝐟𝐨𝐫 𝐚 𝐠𝐫𝐚𝐧𝐭 𝐨𝐫 𝐬𝐜𝐡𝐞𝐦𝐞
𝟑. 𝐔𝐬𝐢𝐧𝐠 𝐚 𝐠𝐮𝐚𝐫𝐚𝐧𝐭𝐨𝐫 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞🧓🏡
Find out more about how to avoid LMI here: https://www.nectarmortgages.com.au/how-to-avoid-lenders-mortgage-insurance/

𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡📱💬and we can discuss more strategies to help you save.

23/04/2024

𝐑𝐞𝐚𝐬𝐨𝐧𝐬 𝐭𝐨 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞:
Refinancing can help property investors customise their loans to suit their financial needs💵
This includes adding➕or removing✂️certain features like a redraw facility, an offset account or an interest-only feature.
𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡📱💬 and let’s discuss whether refinancing is right for you.

22/04/2024

🏠💵 𝐂𝐮𝐫𝐢𝐨𝐮𝐬 𝐚𝐛𝐨𝐮𝐭 𝐡𝐨𝐰 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭 𝐥𝐨𝐚𝐧 𝐟𝐞𝐚𝐭𝐮𝐫𝐞𝐬 𝐜𝐚𝐧 𝐢𝐦𝐩𝐚𝐜𝐭 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐣𝐨𝐮𝐫𝐧𝐞𝐲? Understanding these features is key to making informed financial decisions! 💡 Some help you pay off your loan faster, while others allow you to access additional funds. Read our blog👇 to find out more about loan features and how they work.

Lenders offer features, like extra repayments, to provide flexibility to their loan products. Find out which features work best for you.

18/04/2024

Don't wait until your fixed rate expires before talking to us🫣. Get in touch at least 2- 3 months before 🗓️. This usually provides enough time⏰to look at other options and refinance to a new lender if necessary! Don't delay, contact us today📲