Nathan White - Mortgage Broker

30/11/2022

Loved supporting the Smikettes through the summer social netball.
Great to see the girls out having some fun with a lot of team banter over the weeks.

04/08/2022

Fixed rates - if you are chasing the security of a fixed repayment for the next few years, Some lenders have just REDUCED ⬇️⬇️ their owner occupied fixed rates.

However, there needs to be value for you in making the change in both lender and loan product offer.

If you would like to review your current home loan against the market, 🤓🧐
get in contact and let’s see what fits your situation the best 🥇

13/04/2022

One of our absolute favourite parts of the job is that we get to educate people about finance along the way.⠀
⠀
Trust us, it's not boring when it saves you thousands of dollars, countless hours and all the angst that would come from going it alone.

https://smikhomeloans.com.au/

02/11/2021

You’re welcome Glenn, 👍

This made me chuckle when it came through today, but I appreciate knowing my communication is helping my clients get confidence around their lending.

🍻 Thanks for the feedback.

01/09/2021

Check it out.🤩🥸
This sector of the home finance market is pumping. 59% of loans written through Brokers.
6️⃣ out of 🔟 borrowers getting a wider view of options & kicking goals.

🤔 could working with an independent specialist give you more suitable outcomes?

🧐 would u prefer more choice & tailored products compared to just accepting the one product suite or the one credit policy of your current Lender??

🤯 we have access to a panel of over 35 lenders that we can filter with your requirements, our knowledge of products & policy to get you the best fitting options.

🤷‍♂️ it can be a confusing task.
🤝Reach out if any questions. Only to happy to help in anyway possible to have you more confident in you home finance position.

13/08/2021

Working from home 🏡

Thankful that technology lets me keep my clients transactions moving in such disruptive times.
Whilst the personal interactions may be through different channels currently 💻📱☎️ they are still the highlights of my day & week.

🥳Hearing from new home buyers as they get to set up that first home.
🤩Chatting to the excited owners securing their new investment property
👷‍♀️👷or refinancing clients telling me their renovation dreams.

All have dreams & goals that bring great satisfaction. I never get sick of it. I simply love it.
🥰

Congratulations to you all & can’t wait for next weeks new adventures 🤔

09/08/2021

The new sidekick Frankie is a fortunate beneficiary of the lockdown. 🐶🦴

🔵 Whilst no face 2 face appointments currently, we are still busily working through all your Home finance requirements.

🔵 Reach us on the phones or email.

☎️ 02 66228427

📱0419 308 457

💻[email protected]

05/08/2021

What have you got? And could you be using yours better?

Let's start with a caveat: what's best for you will depend on your unique situation. You're welcome to get in touch with us for expert guidance.⠀
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An offset account operates like a transaction account, with one difference: the funds in your offset account are 'offset' against the balance of your loan. Interest is calculated against this lesser amount, so the more funds in your offset account, the less interest you pay.

To maximise the interest-saving benefits you may want to have your salary deposited straight to your offset account, and/or any big one-off payments - like your tax cheque.

A redraw facility on the other hand, allows you to make additional repayments on your loan, which you can then access later if you need to (for renovations, holidays, purchasing a car, emergencies).
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Both of these options have distinct advantages and disadvantages.

It all comes down to being smart about how to use them and being aware of all the fees, exceptions and tax implications (speak to your accountant on all tax matters).⠀⠀⠀⠀⠀⠀⠀

17/06/2021

The 'right' loan product for you is about so much more than the interest rate.

Whether your first investment property is somewhere on the horizon, or you've already got a few under your belt - having the right loan structure in place can be the difference between a sound investment and an expensive hobby.⠀

We know which one we'd choose!⠀

With a broad selection of lenders to choose from, and insight into the thousands of loan product permutations, we give you an edge.

Got questions? Ask away: https://bit.ly/3ouXykr

16/06/2021

FIRST HOME BUYERS - very very limited access to some FHLDS spots.
Need action today to try & secure spot.

Have you got 5% genuine savings?????
Are you working in stable employment???

If so, message or call me on 0419308457