Rates4Mates

Rates4Mates Mortgage | Financing | Advisory |
Providing outstanding finance solutions matched with insightful ex

The lending landscape is so competitive, that a lot of lenders focus their attention on winning new business and perhaps...
27/12/2020

The lending landscape is so competitive, that a lot of lenders focus their attention on winning new business and perhaps forget about delighting their existing customers.

If you're wondering whether you're sitting on the best deal from your lender, then - unless your loan is brand new, or you've actually spoken to them (or us) - chances are you could do better.

Get in touch with us to review whether your loan is structured the right way and whether you're getting the best possible offer.

We'll then be able to guide you on how to negotiate with your current lender, or advise you whether it's time to switch lenders altogether.

If you ‘wish’ to purchase property in 2021, we can help with the planning.Even if you’re not actively looking right now,...
22/12/2020

If you ‘wish’ to purchase property in 2021, we can help with the planning.

Even if you’re not actively looking right now, it’s a great idea to speak with a home loan expert to get your ducks in a row at the outset.

Talking about money with your partner may not seem very appealing. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀But do you know what's even less romanti...
20/12/2020

Talking about money with your partner may not seem very appealing. ⠀⠀⠀⠀
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But do you know what's even less romantic? Finding out you're not financially compatible and letting this cause friction in your relationship.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If one of you is a big spender, while the other is more frugal, then money may become a source of contention.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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It's a great idea to discuss your attitudes to debt, whether you share the same level of financial literacy, and to define your financial goals together.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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And don't worry, 'different' doesn't mean it can't work out - it just means you need to communicate well and create systems so that you don't clash over money.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Have you ever found yourself financially incompatible with a loved one? How did you approach it?

The 'right' loan product for you is about SO much more than the interest rate. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀Whether your first inve...
16/12/2020

The 'right' loan product for you is about SO much more than the interest rate. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Whether your first investment property is somewhere on the horizon, or you've already got a few under your belt - having the right loan structure in place can be the difference between a sound investment and an expensive hobby.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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We know which one we'd choose!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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With a broad selection of lenders to choose from, and insight into the thousands of loan product permutations, we give you an edge.⠀⠀⠀⠀⠀⠀⠀
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Got questions? Ask away via DM.

We've helped a record number of people get on top of their finances this week by reviewing their home loans. Interesting...
16/12/2020

We've helped a record number of people get on top of their finances this week by reviewing their home loans. Interestingly, this doesn't always mean switching to another lender.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Sometimes it's simply about advocating for you to get a better deal from your current bank.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Whether this means shaving years off your mortgage, reducing repayments, or paying less interest - it is never a bad thing to run a health check on your home loan.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Ask us how.

Recent P**A and Ipsos polls show that more and more Australians are considering a sea change or tree change.⠀⠀The region...
14/12/2020

Recent P**A and Ipsos polls show that more and more Australians are considering a sea change or tree change.⠀
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The regional NSW property market is set to heat up! So if you're eyeing off your own little patch of paradise - but are struggling to save for your deposit - get in touch and we can help you with strategies to get into your own home sooner.⠀

The Reserve Bank has been keeping the cash rate low in recent times.This is great news for those of you with a loan who ...
10/12/2020

The Reserve Bank has been keeping the cash rate low in recent times.

This is great news for those of you with a loan who are in a position to refinance, or for those of you considering entering the property market or adding to your investment portfolio.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Get in touch if you'd like a straight talking expert in your corner.

We like to look for silver linings in amongst the shades of grey...and we've found a beauty!Lifestyle inflation - you kn...
07/12/2020

We like to look for silver linings in amongst the shades of grey...and we've found a beauty!

Lifestyle inflation - you know that thing where no matter how much you're earning, it seems as though your disposable income stays about the same?

2020 has given us the perfect opportunity to pinpoint where our money is going.

And once you know where it's going, you can make informed decisions about whether you want to send it somewhere else.
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Et voila! You'll be on your way to avoiding the dreaded - but all too common - lifestyle inflation.

Who's planning to show their money who's boss?

It doesn't have to be *brand new* to give you that new car feeling.⠀⠀Whether you're a business owner looking to take adv...
05/12/2020

It doesn't have to be *brand new* to give you that new car feeling.⠀
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Whether you're a business owner looking to take advantage of the $150k instant asset write off or maybe you need to upgrade to accommodate your growing family - we've got you covered.⠀
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Get in touch if you need help to finance your next car purchase. Not all car loans are created equal, but we're here to help you find the right one👍

Remember the Homebuilder grant that was introduced earlier this year? Great news is the government has just extended the...
29/11/2020

Remember the Homebuilder grant that was introduced earlier this year? Great news is the government has just extended the deadline. So you now have until 31 March to apply.⠀
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And....🥁🥁🥁...the criteria has also expanded (with the $750k property value cap extended to $950k in NSW). Get in touch to find out the details and how to use this grant - along with other first home buyer schemes - to own your very own home.⠀
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2021 is going to be your year!

If you have big goals, but don't have the time to trawl through the thousands of finance options available, then this is...
24/11/2020

If you have big goals, but don't have the time to trawl through the thousands of finance options available, then this is where we help.⠀
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We're big believers that creating wealth through property is all about having more freedom. Freedom to make choices that aren't dictated by money - or lack thereof! Freedom to spend your time how you wish.⠀
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We'll be here for you when you want to take the next step.

Getting it wrong on your finances can cost you big time - whether in the form of cold hard cash, time and stress, or hit...
15/11/2020

Getting it wrong on your finances can cost you big time - whether in the form of cold hard cash, time and stress, or hits to your credit rating.⠀
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If you're not an expert on finance, you'll certainly be closer to it once you've worked alongside us for a while.⠀
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Send us a DM to find out how we can help you - whatever your goals.

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23-33 Napier Street
Parramatta

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