Down To Earth Financial Services

26/10/2023

26/10/2023

FREE HOME LOAN HEALTH CHECK

There are still some lenders that are still offering interest rates as low as 5.84% for owner occupied loans or as little as 6.04% for investment loans. (depending on your circumstances) Let us complete a free home loan health check to see how much you can save! To find out more message us.

23/08/2023

Are you struggling to come up with a deposit for your first home ?
The government home Guarantee Scheme allows you to purchase a property with as little as 2% deposit and no Lenders mortgage Insurance. This scheme has already helped over 100,000 Australians reach their dream of owning their own home sooner.
Contact us to find out if you are eligible and let us help you to reach your dream of owning your own home.

09/08/2023

Did you know that some lenders are currently offering cash back payments from $1,000 to $4,000 for eligible refinances. Contact us to find out more.

07/07/2023

Has the interest rate on your owner occupied HomeLoan risen to over 7%? Believe it or not there are some lenders that still have competitive rates under 6%. (Depending on your current situation) Contact us for a free consultation to see how we can save you some $$

11/02/2022

What are your property goals in 2022?

Do you want to:

Experience the thrill of buying your very first home?
Buy your next home and have a fresh start in 2022?
Invest in property for the first time or expand your current portfolio?
Renovate your home or investment property with the aim to drive up its value or rental return?
Refinance to a more competitive loan or one that better suits your specific financial circumstances and goals?

As your finance broker, we can assist with all of the above and more.

Need complimentary property reports to help you find the right property in the right location?
We’re here to help.

Want to compare dozens of different home loans to find the perfect fit for you?
We can do that too.

Overwhelmed by the prospect of going through the mortgage application process?
We’ll do the hard yards for you.

Whatever your property aspirations in 2022, we will help make your dream a reality.

Reach out today and let’s get started.

10/02/2022

Have you been with the same lender for several years?

Would you like to know more about the kinds of money-saving features that allow you to save in interest and potentially pay off your loan sooner?

Have your personal circumstances changed since you took out your mortgage or are you drowning in debt payments?

If you answered ‘yes’ to any of these questions, it’s time to speak to us about refinancing your home loan.

We can compare the market and find you the right loan for your specific needs, whether it’s with a big four bank, credit union, a smaller lender or an exclusive home loan provider.

There are some incredible deals available – let us explain your options. Reach out today.

27/06/2019

If anyone is looking for a property manager, please consider Bec Dufall. She is looking after NOR customers for Manurah Property Management.

INTRODUCING- BEC DUFALL
We are thrilled to announce our new northern suburbs PM.
Bec was born in the northern suburbs, she lives in Greenwood and is the area expert of the North (aside from Jon Snow) Other than being the queen of the North, she is a mum to 2 beautiful little girls and loves a good red! If you have a property you want managed by our family team please give Bec a call on 0403 314 476

06/02/2019

The Royal Commission has made a terrible mistake with it's recommendations to Ban Trail Commission from July 2020 and to Ban Upfront Commission with three years.
The decision shows a complete lack of understanding of the ongoing service provided to consumers.” The move would only hand back monopoly to big banks that are strangers to ongoing service and advice, and increase their profit margins.
It will turn a customer-service based profession into a transactional based sales industry which is the exact opposite of the intent of the RC. If these changes come into effect, we run the risk of losing great brokers with years of invaluable experience, experts that we hoped would mentor the next generation of brokers.
Brokers provide immense direct value to consumers. They provide choice, transparency, guidance, and long-term, trusted relationship. Abolishing trail and considering replacing it with fee-for-service model would render Broking a service only the wealthy can afford; when in reality, it’s needed more by first home buyers and low-income earners.
If implemented, the recommendation will only result in a user-pay system. Ongoing review of client loan products and features, administration and clerical works to fix rates, and product switch are now going to have to be billed to customers.
The recommendation are “narrow-minded” and “baseless”, and the Royal Commission panel should work in my office for a week to see what we team does for trail.
“I encourage everyone to get behind the Industry bodies campaigns, to speak to your local members of Parliament and take any opportunity they can to have our balance and professional arguments heard.

1284 signatures are still needed!

15/01/2019

New Year- New you.
Let us see how much money we can save you on your mortgages to boost your finances this year.

03/04/2017

Upgrading Your Home Before Selling?

Most people have walked through beautiful model homes and wished their own home had all those modern features. Model homes showcase the latest in upgrades and decorating styles. When we get home all we can see is the tile in our bathrooms and yesterday’s details in our kitchens. These things can become overwhelming if we are considering a home sale in the near future.

“Can I even sell my house with granite countertops anymore?”

Before you grab the sledge hammer and plan a DIY weekend of expanding your family room, take a breath. Your home doesn’t need to be the latest and greatest to fetch top dollar in the resale market.

As you evaluate making changes to your home prior to listing it for sale, the first thing you should do is talk with your real estate agent. They have market experience which allows them to speak with you about how your home compares to others in your area. They work with buyers and sellers every day and know what features and upgrades are top sellers…and which don’t matter at all. While the urban modern home in the magazine looks great, changing the details in your country house into industrial loft style is not an improvement.

Some improvements do translate to better sales price in every case. Outdated wallpaper, dirty and worn carpet and dark rooms can always use improvement. New or cleaned carpet and a fresh coat of paint, coupled with light bright lighting, will really showcase the best features of your home.

Each neighbourhood is different. As you work with your agent, you might find that there are upgrades which will net you a significantly higher sales price. For instance, if you are located in a high end, luxury neighborhood, those buyers expect updated kitchens and bathrooms and you might want to put some money into those rooms to market your home in the top end of the market. But again, talk with your agent before you guess. You don’t want to spend thousands of dollars in upgrades that your buyers don’t care about…or worse…. don’t want.

02/04/2017

If someone gave you $500 for the weekend, how would you spend it?