Brad Frost, Oxygen Home Loans

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Brad Frost, Oxygen Home Loans

Utilising a broker, gives you choice and helps you avoid pitfalls when it comes to finance.

26/02/2024

Look, we're not saying having an Afterpay account – or other buy now, pay later (BNPL) service – will rule you out from securing a home loan.

But, it will impact your borrowing capacity, which is essentially how much the bank is willing to lend you. This is why a lot of people will actually close down their BNPL accounts several months before applying for their home loan.

Get in touch and we'll help you crunch the numbers to figure out how best to prepare for applying for finance.

👉 https://www.oxygen.com.au

23/02/2024

New data shows that 86% of people taking out a home loan trust brokers over lenders 🤝

Why? Well when you have a broker on your team you save time, money and effort.

Plus, we provide so much choice and our clients know we work hard to secure them a solution that serves their best interests.

Engaging a broker really is a no-brainer.

Reach out to chat to us today.

👉 https://www.oxygen.com.au

20/02/2024

Looking for a more direct path to your dream home? We're here to guide you through the complexities of home loans – so you can focus on the property search.

Let's look at what sets us apart:
– Personalised approach: We know there's no one-size-fits-all, so we tailor our approach to what works for you.
– Expert guidance: This is what we do for a living, so you want to bet we're pretty good at analysing your situation and identifying what's going to be a good match for you.
– Long term support: With you now and for the life of your property journey, helping refine your strategy, define new goals, and bring your ambitions to life!

Ready to start your journey? Let’s talk about your home loan options.

👉 https://www.oxygen.com.au

13/02/2024

❤️❤️❤️
Rose are red
Violets are blue
If your rate seems too high
Then let's fix that for you
❤️❤️❤️

Whether you're thinking about breaking up with your bank, or perhaps you're in the market for a new loan, we can help you find your perfect match 😍😍😍

Reach out today!

👉 https://bit.ly/3H02I0W

08/02/2024

Buying your first home is an exciting milestone, but it can also feel daunting.

With so many options available, it's important to know where to start. Our team of experts can guide you through the process, from determining your borrowing power to finding the right lender for you.

We'll help you understand the different types of home loans available, including any government grants you might be eligible for, and provide you with the tools you need to make an informed decision.

👉 https://bit.ly/3H02I0W

05/02/2024

Leveraging your equity to build your property portfolio certainly sounds appealing.

After all, who wouldn't want to buy investment properties using the equity they've built up in their home - rather than having to save up the cash for a new home loan deposit?

The key to successful property investing is making sure your loans are set up properly at the outset. Having the right structure in place is everything.

Contact us to explore your options.

👉 https://www.oxygen.com.au

31/01/2024

There's a lot of noise about the perks of refinancing your home loan. And yes, it could save you big time.

But a word of caution: make sure you consider all the costs of switching home loans, like exit fees, application fees, and any opportunity cost of doing without key features.

You also want to make sure that the product you end up with serves your best interests now and for the long term.

This is why when we refinance our clients' home loans, we make an assessment against all their needs, not just at what might seem 'the cheapest' on first glance.

Who's refinanced their loan recently? Who is thinking about it? Who is happy with their current home loan?

👉 https://bit.ly/3H02I0W

30/01/2024

Every day, more than 2000 Australians refinance their home loan to another lender.

If you're keen to explore whether there's a more competitive offer out there for you, it pays to have a broker in your corner.

Get in touch if you'd like our guidance.

👉 https://www.oxygen.com.au

23/01/2024

There's been talk in recent years about the fact Australia will soon face the largest intergenerational wealth transfer in history.

Seems a bit morbid, doesn't it? But that might be the problem - no one wants to talk about it.

Over half of us don't have a will, yet hope that our children will invest their inheritance wisely.

Time to get talking to our families about money!

👉 https://www.oxygen.com.au

20/01/2024

Ever noticed how those online 'borrowing power' calculators ask how many dependents you have?

This is because caring for children will impact how much the banks are willing to lend you.

Roughly speaking, each child you have under your care will reduce your borrowing capacity by $70k.

Get in touch if you'd like help understanding what size loan you might qualify for.

👉 https://www.oxygen.com.au

17/01/2024

When you're going for a home loan, there's only so much you can cut your expenses by.

Another way to improve your borrowing power is of course to earn more. Easier said than done, right?

Not impossible, though.

Here are five steps to take when negotiating a pay rise:
1. Find out how much your experience and expertise are worth
2. Provide specific examples of how you go above and beyond
3. Quantify the additional value you deliver the company
4. Practice your pitch and don't get emotional
5. And last, if your employer says no, don't take it personally – a lot of businesses are also doing it tough. Ask them instead if you can make a plan for how to increase your salary, whether it's taking on more responsibility, undertaking training or switching to another department.

And what not to do: rising costs of living, interest rates, housing affordability aren't compelling reasons for the business owner to say yes to a pay rise (beyond the usual CPI increase). Stick to why granting the pay rise makes good business sense.

Let us know if you're planning to ask for a pay rise.

👉 https://www.oxygen.com.au

Address

485 Central Coast Highway
Long Jetty, NSW
2261

Telephone

+61418262880

Website

http://www.oxygen.com.au/

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