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Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 5pm

Innovative Finance - Maitland, Cessnock & Hunter Valley

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Innovative Finance - Maitland, Cessnock & Hunter Valley

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Innovative Finance - Maitland, Cessnock & Hunter Valley, Financial service, 13/420 High Street, Maitland.

28/04/2025

🤎⚽️ Soccer season has kicked off this week for Juniors & the Women's league at Bolwarra Lorn Junior Soccer Club.

Looking forward to a great season of goals, wins & lots of good times.

As a proud sponsor to the Juniors, Womens and Mens team, Innovative Finance will be there in full force cheering on all of the Players & the Club.

We can't wait to see what this season brings for our local talent & to be part of such an incredible community spirit.

🤎⚽️

16/04/2025

Happy Easter from the Innovative Team 🐣

Have an enjoyable and safe break with your loved one.

Please note our office will be closed from the 18th-21st April.

08/05/2024

Meet The Team ✋
Hayley Magyar | Mortgage Broker

Hayley’s biggest strength is her capacity to always get the job done every time and never lets anything get in the way. Nothing gets past Hayley and she is relentless in following up lenders to ensure the best outcome for clients.

Hayley thrives on providing the right lending advice and strategies to prepare, manage and structure home loans to compliment her clients overall position.

In the office, Hayley always takes the lead on projects and is the first person to offer help to anyone else. Our resident office organiser, Hayley is an invaluable member of the team.

Hayley is passionate about getting to know her clients and working with them to achieve their financial goals.

In her free time, Hayley enjoys taking her 3 kids out, making the most of a summer’s day at the beach or park. As a foodie, Hayley enjoys trying new restaurants with friends and sampling new menus across the Hunter.

💡Innovative Finance
📞 1800 325 157
🖥 www.innovativefinancing.com.au
📍Maitland, Cessnock & Hunter Valley

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07/05/2024

What is it and why does a bank/lender require a copy of it before settlement?

🏠Since banks and lenders hold the mortgage over the property - they are likely to request a Certificate of Currency as proof that the property is insured.

☝One important tip when requesting this document is that you ask your chosen insurer to mention the lender providing the loan as the
the ‘mortgagee’ or ‘interested party’ in the insurance policy.

🏚⛈ Banks/Lenders request this procedure in order to protect themselves from damage, loss or any unexpected event.

✅ If you are refinancing you will need to amend your current policy to ensure that the new lenders details are listed.

At Innovative Finance, we pride ourselves on making the lending process as smooth as possible, even after the loan settles. To ensure your are on the front foot when purchasing or refinancing, get in touch with our team at Innovative Finance.

💡Innovative Finance
📞 1800 325 157
🖥 www.innovativefinancing.com.au
📍Maitland, Cessnock & Hunter Valley

02/04/2024

2 Years With Innovative 🥳
Hayley Magyar | Mortgage Broker

Congratulations to Hayley on her 2nd year anniversary with Innovative.

Hayley is a dedicated Mortgage Broker and always goes above and beyond for her clients and teammates. Hayley has been receiving great reviews from her customers and always is looking for a way to help.

We hope you have enjoyed the day Hayley and look forward to celebrating with you!

💡Innovative Finance
📞 1800 325 157
🖥 www.innovativefinancing.com.au
📍Maitland, Cessnock & Hunter Valley

15/03/2024

🏡 Thinking about Refinancing, but not sure where to start?

🖐 A few tips on on what you should & shouldn't do.

𝟏. 🎯𝐁𝐞 𝐜𝐥𝐞𝐚𝐫 𝐨𝐧 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐛𝐞𝐟𝐨𝐫𝐞 𝐦𝐚𝐤𝐢𝐧𝐠 𝐭𝐡𝐞 𝐬𝐰𝐢𝐭𝐜𝐡. 𝐈𝐭𝐬 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐭𝐨 𝐚𝐬𝐤:
✅ What's the purpose & why do you want to refinance?
✅ Does it make financial sense (long-term) to change lenders?
✅ Will refinancing compliment your overall financial position?

𝟐. 🏠𝐑𝐞𝐬𝐞𝐚𝐫𝐜𝐡
✅ Make sure you are engaging with an experience Mortgage Broker/ Lending Specialist prior to the switch.
✅ Weigh up the overall costs (interest rate, application fee, exit fees).
✅ Have an idea of your credit score prior to applying with Lenders.
✅ Get multiple property valuations.
✅ Make sure the proposed Lender, Structure & Product meets your your goals and aligns with your needs.

𝟑.💡 𝐒𝐩𝐞𝐚𝐤 𝐭𝐨 𝐚𝐧 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫
✅ They will be able to understand what is important to you, your goals and
share with you what you can expect when refinancing, the process of making the switch, the costs and whether it makes sense on when to do it.
✅ They will also provide you with multiple valuations and projections on what you can expect to ensure you are in strong position refinancing.

💡 If you do have any questions, or seeking further guidance with refinancing. Reach out to our experienced team at Innovative Finance who will be happy to understand your current circumstances point you in the right direction & assist on whether now is the right time to refinance.

📞 1800 325 157
🖥 www.innovativefinancing.com.au
📍Maitland, Cessnock & Hunter Valley

08/03/2024

📌 Market Appraisal vs 📌 Bank Valuation

Just how much is your property worth? Well it depends who is asking?

🏠 A Market Appraisal is usually completed by a real estate agent and is often done to provide homeowners an idea how much their property could sell for in the current market.

🏠 A Bank Valuation on the other hand is done by an accredited valuer when seeking finance for a property purchase or refinancing a loan. It is designed to provide an estimate sale price as security against your home.

Banks/Lenders will use the the bank valuation to determine:
✅ How much they will be willing to lend you
✅ The Loan to Value Ratio (LVR)
✅ How much interest you will pay on the loan
✅ If you will need to pay Lenders Mortgage Insurance (LMI)

🏡The advantage of engaging with a Mortgage Broker when thinking of refinancing your home loan is that multiple valuers will be arranged to value your property. Valuations can vary, so having a Mortgage Broker who can arrange this on your behalf will ensure you are in the best equity position prior to making a recommendation.

If you have been thinking of refinancing for these or other reasons, please reach out with any questions and we can guide you through the tips and advice to ensure you are making the right decisions for you.

💡Innovative Finance
📞 1800 325 157
🖥 www.innovativefinancing.com.au
📍Maitland, Cessnock & Hunter Valley

12/02/2024

Meet The Team ✋
Michael Gavan | Founder & Director

Michael started Innovative Finance back in 2017 at the original location in Beaumont Street, Hamilton.

Having grown up in Maitland, Michael moved the office back to Maitland in early 2018 (and opened our Cessnock office in 2020).

Michael is known around the Innovative office for his relentless drive to always improve and focus on getting the basics right.

Outside of work, Michael and Emily love spending time with their little boy Alex and are expecting a new addition to the family in February 2024.

Michael loves all things sport and will you see him playing soccer with Bolwarra Bushrangers or running on the weekends.

💡Innovative Finance
📞 1800 325 157
🖥 www.innovativefinancing.com.au
📍Maitland, Cessnock & Hunter Valley

05/02/2024

Reasons People Are Refinancing In 2024 💸🏡

We find that people refinance for many different reasons, but the most common reasons are:

📉Reducing their current interest rate or moving to a fixed rate
⏳Their current fixed rate has or is expiring
📊Restructuring their monthly repayments for better cash flow and budgeting
🏠To complete home renovations such as landscaping/pools or other additions
🚙 Purchasing cars or other lifestyle items such as boats and motorbikes

Whilst there are many benefits that go with refinancing, it is also important to understand and ensure it aligns with both your short and long term budget and goals.

Over the coming weeks we will go through:

✅ The right time to be considering refinancing a loan
✅ Common questions we are being asked &
✅ How you can prepare prior to making the switch

If you have been thinking of refinancing for these or other reasons, please reach out with any questions and we can guide you through the tips and advice to ensure you are making the right decisions for you.

💡Innovative Finance
📞 1800 325 157
🖥 www.innovativefinancing.com.au
📍Maitland, Cessnock & Hunter Valley

12/12/2023

We are honoured to be nominated for the Adviser Better Business Awards for the Best Regional Office in NSW 🏆

Congratulations to our team for their ongoing commitment to our clients and each other.

🥳 We can’t wait to celebrate and looking forward to sharing in February.

05/12/2023

💡✨ Happy 7 years Innovative Finance ✨💡

Today we celebrate what has made reaching this milestone possible. So to every person that has trusted us, contributed to helping us grow & being our number one advocate THANK YOU!

To 𝐎𝐮𝐫 𝐓𝐞𝐚𝐦 - Through your dedication, trust and genuine care, we have been able to grow, evolve and provide the level of service we pride ourselves on. We are more than just a team. Thank you

To 𝐎𝐮𝐫 𝐂𝐥𝐢𝐞𝐧𝐭𝐬 - We are genuinely grateful for you believing and trusting in us to provide you with a high level of service and ongoing support. Thank you

To 𝐎𝐮𝐫 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐲 - We have always appreciated living and serving in the Maitland & Hunter area. Thank you to all of our referral partners & sporting clubs who have advocated & supported us.

To 𝐎𝐮𝐫 𝐅𝐨𝐮𝐧𝐝𝐞𝐫𝐬- Michael & Emily, without taking the leap & building your vision & values into reality, Innovative Finance wouldn't be what it is today. Thank you

It's been such a wonderful 7 years, we look forward to sharing many more!

Address

13/420 High Street
Maitland, NSW

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+611800325157

Website

http://www.innovativefinancing.com.au/

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