Concept Funding - Finance Broker

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North Strathfield, NSW
Concept Funding - Finance Broker

I am your personal finance broker. Providing you with the best possible solution for your needs and guiding you seamlessly along the loan process.

The finance expert for busy medical professionals and first home buyers. Whether you are wanting to purchase a residential property, a medical practice, or medical equipment, our mission is to present you with the best possible solution. Saving you time to spend with your family and friends. Don't let the office locations deter you, I can help Australia wide!

^ level 1, 5 George St, North Strathfield, 2137

18/03/2024

Time to get some industry update.

This mark my first big event for nearly 1 year.

I was away from social media for nearly 1 year as my husband and I welcome our first born.

I am now back to work and looking forward to catching up with everyone again.

If you know anyone that are looking for finance, I would love to shout them a cup of ☕️ or 🍵.

05/12/2023

The RBA hold cash rate at 4.35%. Next RBA meeting 6th Feb.

Have a good Christmas and New Year everyone 😄.

02/05/2023

The RBA cash rate pause in April was only temporary.

Today the RBA announced a 0.25% increase to 3.85%.

Reach out to understand what this increase means for you. Coffee/tea is on me ☕️ 🍵.

04/04/2023

📣 📣 WOOHOOO 🍾🙃

After 10 consecutive rate rise, the RBA announced rates on hold. Some relief for homeowners.

If your fixed loan is due to expire, it's time to do a financial health check.

Book an appointment with me for your financial health check or if you have any loan related questions. It’s not worth it to pay loyalty tax! Coffee/tea is on me ☕️ 🍵.

06/10/2022

How asset finance can help you grow your practice and provide first-class customer care.

For many practices providing first-class customer care means needing a new tonometer, dental chair & unit, or technology – and that all costs money. Asset finance can help reduce the initial outlay, with no strain on your cash flow, while your practice gets what it needs to keep up with customer care.

Want to know the different asset finance options available to your practice, get in touch with us to understand how you can use asset finance to grow your practice and/or business.

Follow the link for a detailed explanation of how asset finance helps you to provide first-class customer care.
https://buff.ly/3PbDQHO

29/09/2022

What comes first the property or the loan?

💥💥 Delaying arranging finance will weaken your negotiating position on both the property and the loan.💥

Looking for a property to purchase is an exciting time. Choices regarding location, size, number of rooms, and local amenities often see house hunters carried away in a deluge of daydreams and anticipation.

Arranging finance before finding the perfect property will put you in a good position when it comes time to make an offer. When you do find the property you have always wanted, you can present it to the seller and estate agent as a prepared applicant who is serious and reliable.

You don’t want to find out after you’ve made an offer that your credit history or deposit is not up to scratch and you cannot borrow the amount you want.

The first step towards finding your new home is speaking to a Finance Broker to sort out your finances. Concept Funding is here to help, contact us today and find out how we can help you.

🔹🔹
Purchasing a property is a big commitment and you are not sure if you have made the right decision. Here are some tips on how you can protect your mental health.
https://buff.ly/3klArsX

22/09/2022

LVR stands for Loan to Value Ratio, but what does it mean and how is that apply to me? 🤷‍♀️

LVR is the percentage of the amount to your property market value.

LVR is important because different lenders and loan types have different maximum LVRs and some lenders will only lend up to a certain LVR for small properties or properties in certain areas. Most lenders will finance LVR @ 80%, or higher with lenders’ mortgage insurance or some commercial properties that might be 60%.

At the time of purchase, the lender valuation most likely returned the property value as the purchase price says at $700K, and to avoid lenders' mortgage insurance you are borrowing $560K. LVR @ 80% = loan amount / security value = $560K / $700K.

💡Did you know that some lenders offer lower interest rates for lower LVR? Find out how much your property is currently worth to work out the LVR. If you have a low LVR, talk to your lender to see if they can re-price the variable interest rate.

💡If your LVR

15/09/2022

Good are 💯important!❗️

🛠Minimise your costs: good tenants will look after you place.

💰Cash flow: good tenants will pay on time.

🗓Long-term commitment: Every time a tenant ends their it can cost you money. eg. , open , loss of rent.

😀Keep the peace: good tenants will keep the peace with the neighbours around your . Happy neighbours will look out for your property and be less likely to make malicious complaints.

When you attract a high-quality tenant, you can rest easy knowing that your investment is in good hands.

If you are looking for a or agent to help screen or manage your property, I can connect you. is better than cure.

However, for those who self-manage, here are some tips on how to deal with troublesome tenants.
- do NOT let rent slip
- Take the next step: try to resolve the issue by communicating with the tenant.
- The last resort: Eviction

Speak to us about how to an investment property purchase or need help finding a property manager, we can connect you to a property manager as well.

For detailed tips on "Dealing With Troublesome Tenants"
https://buff.ly/3bM1FIr

08/09/2022

☎️ Recently when I was on the first call with a potential client, the first question he asked me was “why should I use your service and not go directly to the bank?”. I get asked this question very often!

You can definitely go directly to the bank for a , however, each bank will only offer you its own products while a finance broker has the industry knowledge and access to 10+ lenders. We will find the most suitable loans for your circumstance and you only need to share your goals and objectives once - saving you time.

🎊 In the March 2022 quarter, mortgage brokers help 69.5% of all new residential homeowners with their loans.^

Here are some good reasons why we are the preferred choice for you when you are seeking finance. Either a home loan, refinancing an existing loan or finance for your business needs.
🟢 The leg-work
🟢 Translate industry jargon
🟢 Help get the best product to suit your goals and objectives
🟢 Give you a broader choice
🟢 Help you compare apples, oranges and the whole fruit basket
🟢 Find you a good deal for your circumstance
🟢 Act as your advocate
🟢 We're in it for the long haul

As your finance broker, I won’t just love you and leave you – I will oversee and manage on your behalf the loan’s progression right through to the end.

‘The end’ isn't when you sign the documents and settled your property; you can expect me to stay in touch and be around, helping you should you need to switch products or wish to purchase another property.

I would love to be part of your wealth building team, organise a chat with me.

Here is more detail on the benefit of going to a finance broker for all your financial needs.
https://buff.ly/3QdQ3gt

^ reported by research group Comparator, a CoreLogic business.

Address

Level 1, 5 George Street
North Strathfield, NSW
2137

Website

https://www.conceptfunding.com.au/

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