Creative Financial Solutions

20/02/2024

With over 20 years of experience in the industry, Marc is known for his unparalleled expertise and dedication to helping clients achieve their financial goals. His personalized approach and commitment to excellence set them apart as a top broker in the market.

07/12/2022

Get $5,000 in Cash + A Free Holiday!

Has your Bank given you your $5,000 Christmas Bonus this year?
No, of course not!
That’s because they’re only dishing them out to new customers. A Christmas Bonus up to $5,000 (in some cases, more for multiple loans) would go a long way this year I’m sure.
Plus when booking a meeting with me get a FREE HOLIDAY Getaway!
That's right, Get a free 4-day Aussie Holiday or 8-day Overseas Holiday on Us! All you have to do is give me a call or book a time in my diary

T: 03 8383 1492 | M: 0423 840 716
https://marcventura.acuityscheduling.com/

03/09/2022

Marc Ventura
2022 Platinum Mortgage Broker

02/09/2022

Unaffordable Housing is Nothing New

Check out the old newspaper from 1963 when first home buyers complained about the cost of housing.
In the 1980s people said don't buy property any more, our children will never be able to afford to buy a home.
And every decade there have been the same cries.
However every year tens of thousands of first home buyers get into the market, and more than ever have been entering the market recently.

If you want to buy your first home with 5% DP and with the government’s help, Book a Free 40 minute- Purchasing your first home strategy session with Marc Ventura.
Here’s the link of my diary:
https://marcventura.acuityscheduling.com/

25/07/2022

06/06/2022

Have you heard the horror stories about unsuspecting property buyers falling victim to redirection scams? Here's how to spot the red flags according to Michael Yardney. Click here: to read more about real estate scams on the rise.

Have you heard the horror stories about unsuspecting property buyers falling victim to redirection scams? They buy a property and secure the deal by...

05/06/2022

Will the new 'Super Home Buyer Scheme' increment property costs and aggravate lodging? Toward the end of the week, the Liberal party reported two new arrangements around lodging and superannuation leading the pack up to the following week's political decision. The first was bringing down the age limit for the people who could get to scaling down commitments to superannuation.

The second was a 'Super Home Buyer Scheme', which would permit Australians to get up to 40% of superannuation for (covered at up to $50,000).

Permitting to get to superannuation for their forthright lodging costs on a wide premise will add to the request, and this could build the expense of lodging. This might be uplifting news for property holders hoping to safeguard their riches, or merchants in a climate where real estate economic situations are beginning to mellow, however for , it could disintegrate a portion of the advantages of plunging into their super.

All things considered, movement has been raised when the first homebuyer schemes are established. As a matter of fact, the impact appears to be most focused when the plans are impermanent, and financing costs are low. This should be visible in figure 1, which shows the month-to-month public loans got for over the long haul. Brief, request side first homebuyer motivations match with a flood popular.

For a continuous plan, similar to the First Home Loan Deposit Scheme ( ), homebuyer awards or the proposed LNP home value conspire, first homebuyer request may not be as concentrated under the Super First Home Buyer Scheme. It is likewise important first homebuyer requests might have been presented through homebuilder, low-financing costs, and the FHLDS, which might additionally diminish request side shock from the Super Home Buyer Scheme.

In any case, there is an unmistakable craving for Australians to involve superannuation for lodging costs, which was episodically revealed during the Covid pandemic, where individuals encountering difficulty could pull out up to $20,000 from super.

Moreover, it is an exceptionally moving chance to be boosting really lodging interest notwithstanding supply-side imperatives. Lodging development costs have risen altogether, adding to the expense and course of events of new forms.

Source: CoreLogic Australia

03/06/2022

Want to succeed in life?
Whether it’s with your property investments, personal life, profession, or business, life will throw you challenges.
Just look at what's happened to us over the last couple of years during the pandemic.
It takes a special kind of fortitude to be successful and when the going gets tough, the tough don’t get going—they reach for a winning formula called .
What’s mental toughness all about? It’s been described as the “ability to work hard and respond resiliently to failure and adversity; it’s the inner quality that enables individuals to work hard and stick to their long-term passions and goals.

02/06/2022

The pandemic has affected everyone including how we think about our homes.

Is now the best time for to finally get their own?

Will these changes in requirements be permanent? Are we going to get back to pre-Covid housing needs?

Watch this short video of Michael Yardney with Dr. Andrew Wilson, chief economist of My Housing Market, tackle down above's questions.

It’s no surprise that the pandemic changed how we think about our homes.But will these changes in requirements be permanent or are we going to get back to a ...

31/05/2022

What's the New Government's schemes for ? Take a look on the list of each of the current/new schemes that customers will have access to

29/05/2022

Are First Home Buyer Loans More Risky???
Read what the Reserve Bank of Australia has to say in this article by Maia Alfonzetti

Despite the rate of home ownership in Australia drifting down over recent decades, 2020 saw a large increase in first home purchases.

27/05/2022

First-time home buyers have come out as winners in this year’s federal budget!

The government has set aside $8.6 million over four years to fund the expansion of home guarantee scheme. This will allow more borrowers to get into the market sooner with a lower deposit.

Under the expanded scheme, 50,000 places will be split across three separate programs – the First Home Guarantee (formerly the First Home Loan Deposit Scheme), the Family Home Guarantee, and a new program specifically targeting the regions, called the Regional Home Guarantee.

First Home Guarantee
A total of 35,000 new places will be available per year, ongoing, for eligible first-home buyers with a deposit of as little as 5%. This is up from 10,000 places per year allocated in previous financial years.

The program is limited to first-home buyers only who must live in the property. It cannot be used for an investment property.

Family Home Guarantee
A total of 5,000 places will be available each year, until June 2025, for eligible single parents with a deposit of as little as 2%.

While this program is not just limited to first-home buyers, applicants may not currently own a property.

Regional Home Guarantee
Under this new program, 10,000 places will be available for eligible buyers purchasing in a regional location with a deposit of as little as 5%.

The program is available for first-home buyers and buyers who have not owned a home for five years, and is limited to new homes rather than existing.

Want to Learn More? Book us a free 30 minute call NOW! https://buff.ly/39VxhKd