Matt Stielow - Mortgage Broker at UFinancial

30/11/2021

We get asked this question a lot!

While it’s not essential to hire a buyer’s advocate when buying a property, it’s certainly very beneficial. Here are 3 reasons why you might consider using a buyer’s advocate:

🤫 Access to off-market properties: Some properties just aren’t advertised online. A buyer’s advocate has access to these off-market properties and can provide you with an opportunity that you wouldn’t have been able to discover by yourself.

🧐 Emotional detachment: A buyer’s advocate has no emotional interest in the property you're buying, which means they can objectively see it for what it really is worth. If you're buying your own home, you may be more likely to pay more for something you’ve set your heart on. A buyer’s advocate can help you look at the situation more realistically.

☺️ Negotiating skills and experience: A buyer’s advocate has years of experience in negotiating better deals on the purchase price. They buy properties very often and you may buy just 1 or a few properties in your lifetime.

Considering using a buyer's advocate to help you buy a property? 🤔 Book a free chat with one of our property advisors: https://bit.ly/3gpgQ9q

06/11/2021

LMI, LVR, fixed rate, variable rate, P&I, Interest-only? 🤯

Applying for a loan can sometimes feel like you're learning a new language!

You don't have to do it alone, we're here for U. ❤️

Our brokers are experts at what they do. They do this every day and have helped thousands of happy customers find the right loan!

Click on the link to book a free appointment today: https://bit.ly/2U5EmR6

04/11/2021

Have you compared your mortgage to other home loan options lately? 🤔⁣⁣
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A record number of borrowers have done just that - and then made the switch! 🔄⁣⁣
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The latest Australian Bureau of Statistics figures showed that mortgage holders refinanced $17.8 billion worth of home loans to another lender in August*. ⁣⁣
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That's the highest figure they've ever recorded, beating out the previous record of $17.2 billion in July.
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So if you've been thinking about switching things up and seeing what else is out there, get in touch today. 👍⁣⁣
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Book a free appointment with one of our brokers to talk about your options: https://bit.ly/3mDroFz
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*ABS lending indicators⁣

14/10/2021

It’s not exactly news the Reserve Bank of Australia (RBA) and the Australian Prudential Regulation Authority (APRA) have been carefully monitoring trends in housing borrowing.

Now, after 12 months and a 20 per cent surge in property prices across the country, APRA has decided to step in to try to slow rising prices by tightening credit conditions.

What does that mean for home loan applicants?

Head to our blog to find out: https://bit.ly/2YKy7EL

08/09/2021

29/06/2021

️Did you know that more than 1 million homeowners have never experienced an RBA rate hike?
📈

Yep, that's right. ✔️

The last time the RBA increased the cash rate was more than a decade ago, when it was lifted to 4.75% in Nov 2010.

Since then it's been cut 18 times all the way down to 0.10%, over which time 1,005,661 first home
buyer owner-occupier loans have settled.*

While the RBA hasn't indicated they'll be increasing the cash rate soon, lenders have already begun
increasing long term fixed rates.

So if you're worried about what an increase in home loan rates might mean for your mortgage and
household finances, get in touch - we'd be happy to run you through a number of possible options.

We’re Here For U




*Sources: RBA and ABS

01/03/2021

Questions (and answers) with U 👉
1️⃣ Get your debt under control: before you can start to seriously save, make a plan to pay off outstanding debts by factoring in repayments to your budget.
2️⃣ Refinance! Make your money work harder for you and potentially save thousands of dollars by finding the best interest rate for existing home and/or personal loans.
3️⃣ Maximise your savings... do you know what interest your savings account or long term deposit is earning? To make the most out of the money you’ve already got in the bank, make sure you find the best rate in market.
4️⃣ Talk to us! Let our experts help. With personalised, data-driven plans tailored to your lifestyle, we’re here for U.

08/02/2021

On Monday’s, we talk ☝️ All smashed avo jokes aside, research has revealed Aussie millennials are actually doing a top job at growing their savings accounts. Over half even report to have a “rainy-day fund”, while less than half of Australians aged 55+ have the same 🥑💸

* Ref: Savings.com

19/01/2021

No (calculated) risk, no reward 😎 When it comes to investing your money, don’t leave things to chance. In other words, do your homework 📝 Word from the wise, Warren Buffet 💬

30/12/2020

With less than two days until the new year, there’s never been a better time to get inspired and set goals 🔥👌 What are you aiming for in 2021?

#2021

25/12/2020

For many, debt can only mean bad things. But ☝️ did you know... not all debt is created equal! 😎 Good debt is a loan or investment that has the potential to increase your net worth or generate income in the long-term - think home ownership or smart investments. 💯