https://leenafinance.com.au/book-a-free-assessment/

Leena Finance, Melbourne (2026)

09/04/2024

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐭𝐡𝐞 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐩𝐫𝐨𝐜𝐞𝐬𝐬?

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1️⃣ 𝐂𝐡𝐚𝐭 𝐰𝐢𝐭𝐡 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐛𝐫𝐨𝐤𝐞𝐫: During your free assessment we will breakdown your goals, discuss strategies on how we will achieve them, discover how much you can borrow, and the deposit required.

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2️⃣ 𝐂𝐨𝐧𝐬𝐢𝐝𝐞𝐫 𝐲𝐨𝐮𝐫 𝐥𝐞𝐧𝐝𝐢𝐧𝐠 𝐨𝐩𝐭𝐢𝐨𝐧𝐬: Your dedicated broker will provide you with tailored loan recommendations. You make the final decision on which lender to proceed with, empowered with expert guidance from our team.

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3️⃣ 𝐂𝐨𝐧𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐀𝐩𝐩𝐫𝐨𝐯𝐚𝐥: Once all necessary documents for your home loan application are submitted, your chosen lender may offer a pre-approval. This means that you have met some of the lending criteria, subject to a few conditions.

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4️⃣ 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐕𝐚𝐥𝐮𝐚𝐭𝐢𝐨𝐧: A valuer will inspect the property to provide an accurate valuation once you have found the home you would like to buy. Our team will handle the appointment for you, working to minimize any delays caused by tenant access.

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5️⃣ 𝐔𝐧𝐜𝐨𝐧𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐀𝐩𝐩𝐫𝐨𝐯𝐚𝐥: Also known as formal approval and means the lender is happy to approve your loan. They will also send you an unconditional approval letter.

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6️⃣ 𝐑𝐞𝐭𝐮𝐫𝐧 𝐲𝐨𝐮𝐫 𝐋𝐨𝐚𝐧 𝐃𝐨𝐜𝐮𝐦𝐞𝐧𝐭𝐬: You‘ll need to sign and return your loan documents including the contracts and government mortgage docs.

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7️⃣ 𝐂𝐨𝐧𝐠𝐫𝐚𝐭𝐬, 𝐢𝐭'𝐬 𝐬𝐞𝐭𝐭𝐥𝐞𝐝! Once the lender has received your documents for a purchase they will speak with your solicitor or conveyancer to book in settlement.

8️⃣ 𝐓𝐰𝐨 𝐰𝐞𝐞𝐤𝐬 𝐚𝐟𝐭𝐞𝐫 𝐬𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭: we will reach out to you to make sure your repayments are correct, your loan features are set up, and your internet banking is working correctly. Kickback and relax! We'll be in touch to ensure everything is in perfect order. 😌

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9️⃣ 𝐀𝐧𝐧𝐮𝐚𝐥 𝐡𝐞𝐚𝐥𝐭𝐡 𝐜𝐡𝐞𝐜𝐤: Once we have been through this entire home loan process, we provide annual home loan health check-ups to ensure you are still happy with your loan and discuss any changes or plans you may have later down the line. Your happiness is our priority! 😊

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Ready to secure the best loan for your unique needs?

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Slide into our DM's!

09/04/2024

𝐒𝐡𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐲𝐨𝐮𝐫 𝐥𝐨𝐚𝐧? 🤔

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Let's see some reasons why people refinance!

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✅ 𝐋𝐨𝐰𝐞𝐫 𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐑𝐚𝐭𝐞𝐬: Tired of paying the "loyalty tax"? Loyalty to your bank doesn't always translate to better rates or service. Refinancing can help you secure lower interest rates and potentially save you thousands over the life of your loan.

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✅𝐋𝐨𝐰𝐞𝐫 𝐌𝐨𝐧𝐭𝐡𝐥𝐲 𝐑𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬: Cash flow is crucial! By extending your loan term or adjusting its structure, you can reduce your monthly repayments, giving you more breathing room in your budget.

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✅𝐃𝐞𝐛𝐭 𝐂𝐨𝐧𝐬𝐨𝐥𝐢𝐝𝐚𝐭𝐢𝐨𝐧: Say goodbye to high-interest debts! Refinancing allows you to consolidate debts like personal loans or credit cards into your home loan, taking advantage of the lower interest rates typically offered.

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✅𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐎𝐭𝐡𝐞𝐫 𝐏𝐫𝐨𝐣𝐞𝐜𝐭𝐬: Unlock the equity in your home to fund your dreams! Whether it's a renovation, a new car, or any other project, refinancing can provide the funds you need to make it happen.

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Still not sure if you should be refinancing?

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Jump into our DMs and let us see if you could be saving thousands! 💸

09/04/2024

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐭𝐡𝐞 𝐦𝐨𝐬𝐭 𝐜𝐨𝐦𝐦𝐨𝐧 𝐫𝐞𝐚𝐬𝐨𝐧 𝐟𝐨𝐫 𝐚 𝐝𝐞𝐜𝐥𝐢𝐧𝐞? 🚫

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Many clients approach us after being turned down by a bank, a situation that's both unfortunate and avoidable.

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This single decision can derail your dreams, as a decline can negatively impact your credit score.

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Save yourself the headache by turning to us first. We'll ensure you're matched with the right bank from the start, paving the way for your financial success 💸

09/04/2024

𝐇𝐞𝐫𝐞'𝐬 𝟑 𝐬𝐚𝐯𝐢𝐧𝐠 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐰𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐬𝐡𝐚𝐫𝐞 𝐰𝐢𝐭𝐡 𝐨𝐮𝐫 𝐜𝐥𝐢𝐞𝐧𝐭𝐬:

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1️⃣ 𝐑𝐞𝐠𝐮𝐥𝐚𝐫𝐥𝐲 𝐫𝐞𝐯𝐢𝐞𝐰 𝐲𝐨𝐮𝐫 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐚𝐜𝐜𝐨𝐮𝐧𝐭:
Keep an eye on the interest rate and watch out for any pesky fees that might be eating into your savings. Don't hesitate to switch to a different bank if you spot a better interest rate elsewhere – your money should be working as hard as you do!

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2️⃣ 𝐏𝐮𝐭 𝐘𝐨𝐮𝐫 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐨𝐧 𝐀𝐮𝐭𝐨𝐩𝐢𝐥𝐨𝐭:
Pay yourself first – put this into a separate savings account first thing. You should track the amount in this account each month. You can use direct debits to help save for a deposit!

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3️⃣ 𝐋𝐨𝐨𝐤 𝐚𝐭 𝐲𝐨𝐮𝐫 𝐧𝐞𝐞𝐝𝐬 𝐚𝐧𝐝 𝐰𝐚𝐧𝐭𝐬:
Make decisions on what you can realistically cut back on during this time. Check your biggest expenses and decide whether you can reduce them or switch to a cheaper alternative.

09/04/2024

𝐈𝐬 𝐲𝐨𝐮𝐫 𝐟𝐢𝐱𝐞𝐝 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞 𝐚𝐛𝐨𝐮𝐭 𝐭𝐨 𝐞𝐱𝐩𝐢𝐫𝐞?

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📆 Don't get caught off guard! It's time to take action and explore your options.

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Whether you're looking to lock in a new rate or switch to a different type of loan, now's the time to assess your financial strategy. Don’t leave all the stress on your shoulders, let's chat and make sure you're prepared for what comes next! 📈

09/04/2024

𝐀𝐫𝐞 𝐲𝐨𝐮 𝐭𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐨𝐟 𝐛𝐮𝐲𝐢𝐧𝐠 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲? 🏡

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Before you start scouring the market for your dream home, there's one crucial step you need to take first. You need to get pre-approved, and here’s why!

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✅ 𝐂𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐭𝐥𝐲 𝐦𝐚𝐤𝐞 𝐨𝐟𝐟𝐞𝐫𝐬: When making offers on properties, you need to know whether you will be able to follow through with the purchase if the offer gets approved. The only way to do that? Is to get a pre-approval! That way you're not stuck not knowing if you can afford to buy the property you are offering on!

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✅ 𝐊𝐧𝐨𝐰 𝐲𝐨𝐮𝐫 𝐩𝐫𝐢𝐜𝐞 𝐫𝐚𝐧𝐠𝐞: What is the point of looking for properties without knowing your price range? There are a lot of factors that go into your borrowing capacity, and to know for certain what it is, you need to get assessed by your mortgage broker. Only then can you know how much you can put down!

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✅𝐅𝐚𝐬𝐭𝐞𝐫 𝐏𝐫𝐨𝐜𝐞𝐬𝐬: Pre-approval means you have already given the bank most of the documents they need to process the loan. This means you are already half-way there, no fluffing around with documents down the track.

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✅𝐀𝐯𝐨𝐢𝐝 𝐦𝐢𝐬𝐬𝐢𝐧𝐠 𝐨𝐮𝐭: Imagine finding your dream home and missing out on it because someone else was able to get financing quicker than you. This is the reality of the property market right now. If the owner gets two offers at the same price, but one can settle earlier, you can bet the owner will be going ahead with the one that will give them the money faster!

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✅𝐅𝐥𝐞𝐱𝐢𝐛𝐢𝐥𝐢𝐭𝐲: Usually, the bank gives you 90 days from the pre-approval date and allows your broker to extend this if needed. This means you have the flexibility to buy in your own time, and if you change your mind later, you don't need to go through with the purchase just because you have the pre-approval!

09/04/2024

We get this question all the time! It's easy to forget that not everyone realizes the huge benefits of using a broker. Let's break it down, shall we?

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🔍 We're not just flipping through a couple of options here – we're diving into a pool of 60 lenders and thousands of products to find the golden ticket for you. Because let's face it, Joe across the road might have found his lifelong banking soulmate, but that doesn't mean that is the best bank for you!

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💡 Ever heard the saying "It's not what you know, it's who you know"? Well, when it comes to structuring your loan, we're the experts with all the insider knowledge. We'll listen, strategize, monitor, and check in with you to make sure you're on the right track to savingsville!

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💰 Let's talk about those common, costly financing mistakes. We've seen them all – and it's our mission to steer you clear of them. It makes us even more motivated to help our clients, their friends, and family on the right track when buying and managing their home loan.

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💸 Oh, and the best part? We don't have any fees for our service! It's funny when we tell people what we do and they ask us how much we charge. We get paid by the banks ONLY when your loan gets settled.

09/04/2024

𝐋𝐞𝐭'𝐬 𝐓𝐚𝐥𝐤 𝐭𝐡𝐞 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞 𝐒𝐜𝐡𝐞𝐦𝐞 🏡

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Can we set the record straight? You don't always need a whopping 20% deposit to buy a home! It's 2024 people – we're not in the era of milk costing $1 anymore!

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Enter the First Home Guarantee Scheme: Allowing you (the borrower) to buy a home with a 5% deposit. The 'guarantee' refers to the government stepping in and acting as a guarantor for the other 15%. The benefit of this is that you won't need to pay the bank Lender's Mortgage Insurance.

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Now, you might be wondering: Does this mean the government silently owns 15% of your family home? Nope! They're just lending a helping hand – you don't owe them a cent because they're not holding the cash in the first place. 💸

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Want to learn more?

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Slide into our DMs or schedule a call with us. Let's kickstart your journey to homeownership – no 20% deposit required!

09/04/2024

𝐓𝐡𝐞 𝐩𝐫𝐨𝐬 𝐨𝐟 𝐡𝐚𝐯𝐢𝐧𝐠 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐛𝐫𝐨𝐤𝐞𝐫

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Why do people use mortgage brokers like us? 🤔

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Let's break it down without the fluff:

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🔍 With over 60 lenders out there, who's got time to play detective? You shouldn't have to! We'll spare you the headache of comparing every bank under the sun. Because let's face it, ending up with a sneaky bank that slaps you with hidden fees and high-interest rates? Ain't nobody got time for that.

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💼 Ever dreamed of diving headfirst into a sea of bank policies? Us neither. Lucky for you, our brokers eat, sleep, and breathe bank policy so you don't have to. We'll sift through the paperwork and bank policy and handle the back-and-forth with the banks. And rest assured, we've got your back. By law, we're obligated to have your best interests at heart - not ours or the banks'.

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💰 Securing your loan is just the tip of the iceberg. We're in it for the long haul, my friend. From keeping tabs on your interest rates to ensuring your loan is structured to save you a truckload of cash, we've got you covered.

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Got questions about refinancing, investing, or tapping into your equity? We've got answers. And if we don't? We'll hook you up with someone who does.

Leena Finance

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