Guia Finance, Level 14 3 Parramatta Square, Parramatta (2026)

28/02/2024

😮 Can you really save on your mortgage by paying fortnightly? 😮

Here's an idea that could help you get ahead on your variable-rate home loan... 💡

Halve your monthly repayment, and then pay that amount into your home loan each fortnight.

Before you know it you'll be ahead on your repayments. 🤓

That's because there are 26 fortnights in a year, so you’ll make the equivalent of 13 monthly repayments instead of 12.

So just how much could you potentially save by using this tactic?

Well, Canstar crunched the numbers and found you could save over $200,000 in interest on a $600,000 loan (at a 6.88% interest rate) over 30 years.

Call us today to find out how much you could potentially save by making fortnightly payments. 👇

To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

26/02/2024

🙌 Brokers now help settle 7 in 10 new mortgages 🙌⁣
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Between July and September 2023, mortgage brokers wrote 71.5% of all new residential home loans in Australia, according to the MFAA.⁣
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That's the second-highest mortgage broker market share the industry has recorded. 😮⁣
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It’s a good sign that brokers are delivering the goods when it comes to helping Australians move into their dream homes.⁣
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So why are more and more Aussies flocking to mortgage brokers? 🤔⁣
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Well, higher interest rates make it important to find a home loan that's right for you. ⁣
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And that’s just what a broker can help deliver (not to mention education, guidance and peace of mind). 🤝⁣
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Call us today to experience the broker difference. 👇⁣
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To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

21/02/2024

🛻 HiLux vs Ranger: what was the top selling vehicle in 2023? 🛻⁣
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It was down to the wire, but the Ford Ranger (63,356 utes sold) narrowly pipped the Toyota HiLux (61,111 utes sold) according to the FCAI to be Australia's top selling vehicle in 2023. 💪⁣
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In third place was the Isuzu Ute D-Max (31,202), followed by the Toyota Rav 4 (29,627), MG ZS (29,258), and Tesla Model Y (28,769). ⚡️
⁣
How about you? Need a new set of wheels in 2024? 🚗

If so, we can help find the right car loan for you. 👇
⁣
To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

19/02/2024

🏡 Feeling stretched? Extending your loan term could help 🏡⁣
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If the last 18 months of cash rate hikes have left your finances thinly stretched, one possible solution could give you some breathing space. 🤔⁣
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Stretching your loan term may help lower your monthly repayments.⁣
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For example, a Canstar analysis shows that a home owner with a $600,000 mortgage who extended a 25-year loan back out to 30 years could cut their repayments by $255 per month.⁣
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The catch? 🎣⁣
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The longer you pay off your loan, the more you'll pay in total interest. 😬⁣
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That said, you may still be able to close the gap and cut down the long-term interest cost by either making extra repayments in the future, loading up an offset account, or paying off the loan early (if, for example, you receive a lump sum inheritance).⁣
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To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

14/02/2024

🙃 Hurdles to clear: why banks check if you could pay 3% more 🙃⁣
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As you're probably aware, the RBA has increased the cash rate 13 times in less than two years. 📈⁣
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But bank regulator APRA is sticking to its rate buffer of 3%. 😤⁣
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That means when you take out a new home loan, banks are advised to check if you could still repay that loan if interest rates were another 3% higher than the advertised rate.⁣
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Is that even fair? 🤔⁣
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Well, the 3% is meant to help home buyers stay out of financial hot water if interest rates were to rise even further. ⁣
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So, how can you avoid stumbling over that 3% hurdle? ⁣
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Simple - give us a call today and we'll help you work out just how much you could possibly borrow while still keeping APRA and the banks happy. 👇⁣
⁣
To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

12/02/2024

🏘 Revealed: the four cities tipped to be property hotspots 🏘⁣
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A new report from PEXA reveals that the nation’s population is forecast to grow by 7.4 million by 2041.⁣
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That'll require an additional 2 million dwellings across our four biggest cities, which will account for over 65% of the forecasted population growth.⁣
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City by city, it's predicted that we'll need another:⁣
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🏘 723,000 new homes in Melbourne (that’s 40,000 new homes per year, or 772 per week);⁣
🏘 582,000 in Sydney;⁣
🏠 381,000 in Brisbane; and⁣
🏠 334,000 in Perth.⁣
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With so much pressure on demand, it could make these capital cities quite the property hotspots over the coming decades. 💪⁣
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So if you'd like to jump into one of these markets as either a first home buyer, upgrader, or investor, call us today to discuss your home loan options. 👇⁣
⁣
To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

07/02/2024

🏡 Want to help your kids buy their first home? Here’s how 🏡⁣
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A new survey from Canstar shows how Aussies think parents can help their adult kids get into their first home sooner.⁣
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And the good news is that it doesn’t always involve contributing financially! 😉⁣
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Here are the survey's top results:⁣
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✅ 20% say - financial education⁣
✅ 16% - offer rent-free accommodation⁣
✅ 13% - contribute to deposit⁣
✅ 9% - go guarantor on the loan⁣
✅ 9% - contribute to living costs to help them save.⁣
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Or, you can talk to us. 📞⁣
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We’ll run you through some other options that can help get your kids into their first home sooner, including the federal government's 5% deposit (and no lenders mortgage insurance) scheme! 👇⁣
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To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

05/02/2024

🏡 Ever thought about buying property through an SMSF? 🏡⁣
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It's fair to say that property is one of Australia’s most popular investments. 😁⁣
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And while investing in property is considered one of the attractions of a self-managed super fund (SMSF), it's tightly regulated and there are many rules you need to carefully navigate.⁣
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That said, more and more people are doing so. In fact, almost 8,000 SMSFs were established in the September quarter - the second-highest number for the past five years.⁣
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By and large, SMSFs mainly invest in commercial real estate, but they can be used for residential investment properties under certain conditions, too! 🏡⁣⁣
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So if you've been thinking of exploring your SMSF loan options but don't know where to start, get in touch with us today and we'll help you get the ball rolling! 😉⁣⁣
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To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

31/01/2024

🤓 The smart move that fewer than 1 in 10 borrowers are making 🤓⁣
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It's no secret that many Aussie home owners are currently feeling the heat of high interest rates. ⁣
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But a report by Canstar shows that only 9% of home owners chased a better offer in 2023 by switching to a new lender. 🤨⁣
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Whereas 23% of property owners chose to just stick with their current loan because they think refinancing is too hard, or they have a fear of being rejected.⁣
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Another 20% intend to, but just hadn't gotten around to it yet.⁣
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That’s what we’re here for. 😁⁣
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We’ll do the legwork to make refinancing a breeze - and we'll know which lenders and loans you have a better chance of applying for. 👍⁣
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Talk to us today for a free home loan health check – and discover if you could save. 👇⁣
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To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

29/01/2024

⚖ Buy versus build: what to weigh up ⚖⁣
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There’s nothing like living in a brand new home.⁣
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But financing a new build is very different from a regular home loan. 🍎 🍊⁣
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So if you're looking to build the home of dreams, chances are you’ll need a construction loan.⁣
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The pros:⁣
✅ The loan is drip-fed as building progresses.⁣
✅ You only pay interest on funds drawn down.⁣
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The cons:⁣
🙃 Lenders may ask for more paperwork - such as a builder’s contract.⁣
🙃 Banks may set a timeframe for construction.⁣
🙃 Not all banks offer construction loans.⁣
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Call us today to weigh up your buy vs build options.👇⁣
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To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

24/01/2024

🤔 Home buying: should you use a solicitor or conveyancer? 🤔⁣
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Buying a home isn't all fun and games (unfortunately). It also means inevitable legal work. 🙃⁣
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And it’s really a job for the experts. 🤓⁣
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But who do you choose - a solicitor or a conveyancer? ⁣
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If the purchase is straightforward, chances are you’re good to go with a conveyancer. ✅⁣
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If the transaction is complex, a solicitor offers a broader range of legal skills. 🤝⁣
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However, in Queensland and the ACT, a solicitor is legally required to be involved in the process.⁣
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If you're unsure of who to reach out to, get in touch today and we can refer you to an expert we trust. 😁⁣
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To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

22/01/2024

🏡 Getting close to financial hardship? Here are four options 🏡⁣
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There's no denying that many families around the country are doing it tough right now. Inflation is high, and we've just experienced 13 cash rate hikes in less than two years. ⁣
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So what happens if you approach your lender for temporary home loan relief? 🙃⁣
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Well, you could be offered up to four options, according to the Australian Banking Association's 'Don’t tough it out on your own' campaign, including:⁣
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1. An extension of your home loan term to reduce each monthly repayment⁣
2. Temporarily lowering your home loan or credit card loan payments ⁣
3. Letting you defer repayments for a while, or⁣
4. Shifting from principal + interest to interest-only payments for a time.⁣
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So which is the right choice? 🤔⁣
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Well, there’s no one-size-fits-all answer.⁣
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But if you want to discuss which strategy might work for you, give us a call. ⁣
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The sooner we chat, the sooner you can get the ball rolling on seeking repayment relief. 👇⁣
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To find out more, DM us or contact Guia Finance on:

☎ – 1300 448 433
💻 – [email protected]

Guia Finance

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