Mortgage Choice - Gjoko Kotaleski

Mortgage Choice - Gjoko Kotaleski 🏠 🏠 🏠 🏠 🏠
● First Home Buyers ●
● Refinancing Existing Loans ●
● Investment Property Purchases ●

Happy Friday! Just another typical day on the phone negotiating better rates for my clients 👏😂There are some great home ...
24/01/2025

Happy Friday! Just another typical day on the phone negotiating better rates for my clients 👏😂

There are some great home loan rates available right now, so I always recommend to my clients to review their home loan at least every 2 years to see if they could secure a better deal.

All it takes is these 3 simple steps;

🔷 Reach out for a quick chat: let me know what you'd like from your loan or finances - whether it's a lower rate, accessing your home equity or consolidating some debts.
🔷 I'll research your best options: I'll compare hundreds of loans from over 30 lenders on our panel to find the best one for you and talk you through it.
🔷 If you’re keen to refinance, I’ll do all the legwork involved to switch you to a better rate and get your finances sorted - simple as that!

Send me a message or give me a call on 0478 095 325 if you'd like a Free Home Loan Review or if you have any questions about rates - I'm always happy to help!

Have a great weekend 👋

It's almost the end of 2024 😄 but you don't have to wait to get started on your 2025 goals!Book in a chat with me for Ja...
27/12/2024

It's almost the end of 2024 😄 but you don't have to wait to get started on your 2025 goals!

Book in a chat with me for January to find out more about your home loan options - whether you're thinking about buying your first home next year, refinancing or purchasing a new car. I'd be happy to help you start the New Year off with the right advice to achieve your goals.

You can book online today; https://bit.ly/3Bi6l1r or send me a message 👌

What a year and what a review from my client, Martina 👏 👏Seeing these lovely words come through from Martina today after...
20/12/2024

What a year and what a review from my client, Martina 👏 👏

Seeing these lovely words come through from Martina today after helping her buy her second home is the absolute cherry on top of an incredible 2024! It's been such a joy and privilege helping so many of you achieve your goals and buy your first homes, second homes, investment properties, refinance to save money and more!

Thank you so much for your support throughout this year! I cannot wait to see what 2025 brings! 🤩 🎉

20/12/2024

When buying a house, there are several costs to plan for beyond just the deposit. These include:

Stamp Duty: A government tax based on the property’s value. First-home buyers may be eligible for exemptions or concessions in some states.

Legal and Conveyancing Fees: Costs for a solicitor or conveyancer to handle the legal transfer of the property.

Building and Pest Inspections: To check the property’s condition before purchase.

Lenders Mortgage Insurance (LMI): If your deposit is less than 20%, you may need to pay LMI. The cost depends on your loan size and deposit amount.

Loan Fees: Includes application fees, valuation fees, and ongoing loan service fees.

Moving Costs: Expenses for removals, packing, and setting up your new home.

Utilities and Connections: Fees for setting up electricity, water, gas, and internet at your new property.

Council Rates and Strata Fees: Ongoing costs for maintaining the property, especially if it’s part of a complex.

Insurance: Home and contents insurance to protect your property and belongings.

Furnishings and Renovations: Any additional items or upgrades you may need for your new home.

It’s important to budget for these costs to avoid surprises during the buying process.

14/12/2024

🏡 The Help to Buy Scheme is coming soon. To help eligible Aussies enter the property market sooner, so you don’t need a big deposit!

With the government contributing up to 40% for new homes or 30% for existing ones, you’ll benefit from smaller mortgages and repayments. All you need is a 2% deposit and to meet the criteria. Plus, you can repay the government’s share over time or when you sell.

No early Christmas gift from the Reserve Bank of Australia this December as they announced today they are keeping the of...
10/12/2024

No early Christmas gift from the Reserve Bank of Australia this December as they announced today they are keeping the official cash rate on hold at 4.35% 😔

But if your rate starts with a 7, you could be paying too much! I can help find some relief for you with a Free Home Loan Review to make sure you're getting the best rate possible - either with your current lender or a different lender. Let me negotiate on your behalf to find some savings before the New Year!

03/12/2024

If you’re in the market for a new car, chances are you’ve come across dealer finance.

While the upfront low rates on showroom car finance can sound tempting, did you know that these deals are often subject to hidden fees and limited flexibility? So they can really cost you in the long run.

While I may be a mortgage broker, I can also help you find a competitive car loan that's right for you. If you have any questions about car finance or want to crunch some numbers, send me a DM or give me a call on 0478 095 325.

🎉 One month left to WIN $30,0000! 🎉Thinking of buying a home or refinancing your current home? Chat with me about your h...
06/11/2024

🎉 One month left to WIN $30,0000! 🎉

Thinking of buying a home or refinancing your current home? Chat with me about your home loan options by 6 December for a chance to win $30,000*. Plus, there are five $5,000 state-based prizes to be won.

*Find out more and view full T&Cs here - https://bit.ly/3BlWwTG

The RBA announced today that they are keeping the official cash rate on hold again at 4.35% this month 😩 Despite Austral...
05/11/2024

The RBA announced today that they are keeping the official cash rate on hold again at 4.35% this month 😩

Despite Australian Bureau of Statistics (ABS) data last week recording the country’s lowest annual inflation rate since March 2021, inflation is still sitting at 3.5% - which is more than the RBA's target range of 2-3%.

There is still hope for a pre-Christmas rate cut 🤞 but in the meantime, there are still some great rates on the market so it's worthwhile reviewing your home loan rate!

Message me or give me a call on 0478 095 325 for a Free Home Loan Review today.

03/11/2024

SHOULD I GET A HOME LOAN PRE-APPROVAL? In this market, the answer I give to majority of my clients is a BIG YES! ✅ ✅

Having a pre-approval in place when you're house-hunting can give you a big leg-up on other buyers. Firstly because it shows the agent / seller that you're a serious buyer and gives them a lot more confidence in your offer knowing you have finance in place. It can also help fast-track your loan application as the lender has already done an initial assessment of your situation.

It's also beneficial for you to help you house-hunting and putting in an offer knowing exactly what you can afford to spend!

Any questions about pre-approvals or if you want to start looking at how much you could borrow, send me a message or give me a call on 0478 095 325.

23/10/2024

Using a broker costs you nothing! We get paid by your chosen bank when your loan settles, which means there is absolutely no cost to you to have me as a professional in your corner.

We post regularly so follow along for home loan tips & market updates!

Want to understand how much you might be able to borrow for a home loan? 🏠 It's an important part of your journey to bu...
20/10/2024

Want to understand how much you might be able to borrow for a home loan? 🏠

It's an important part of your journey to buying your own home - you can get a rough idea of what you could borrow with my borrowing power calculator: https://bit.ly/403kM7E

Or send me a message if you'd like me to crunch the numbers for you! Let's get you one step closer to getting into your new home 🙏 🙏 🙏

Address

Suite 1, 1st Floor 876 Hay Street (Corner Of Shafto Lane)
Northbridge, WA
6000

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61478095325

Website

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