Finance with Suvi

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Finance with Suvi

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Finance with Suvi, Mortgage brokers, 34 Brisbane street, Perth.

24/07/2024

📈 Why are rates on investment loans often higher? 📈⁣
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Investors are piling back into the property market, according to latest ABS figures. ⁣
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If you've recently thought about buying an investment property, it can come as a surprise to find investment loans usually come with higher interest rates than owner occupier loans. 🙃⁣
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That’s because banks often see investment lending as higher risk. 😤⁣
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But there are ways to try and trim the cost. ⁣
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Having a bigger deposit could see you qualify for a lower rate. Investment loans can also be eligible for certain tax benefits. 👍⁣
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Get in touch today and we'll help line you up with an investment loan with a competitive rate. 👇⁣
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To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

22/07/2024

🤔 How much could you save by refinancing? 🤔

With cost of living pressures biting, refinancing could be a way to help you save. 💰

The RBA reports the average variable rate is currently 6.39%.

And that's just the average - many mortgage holders are paying much more and don't even know it. 🙈

Meanwhile, we're seeing some lenders offering variable rates between the 6.1% to 6.2% mark.

So, for example, if you refinanced a $600,000 home loan on a 6.69% variable interest rate down to 6.19% (30-year term, principal and interest), you could save almost $200 per month.

Want to find out if you could save on interest by refinancing? 😁

Talk to us to find out if you’re eligible – and if so, how much you could save. 👇

To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

17/07/2024

🤔 What happens if you buy before you sell? 🤔

Buy first? Or sell first? 🤨

It’s the classic conundrum for upgraders. 🙃

Thing is, you don’t have to wait for your old place to sell before buying - especially if the home of your dreams comes onto the market.

A bridging loan can span the funding gap while you wait for your current home to sell. 😎

The interest rates can be higher than a standard home loan. 😒

But on the plus side, bridging loans are usually interest-only, which can help make the cost more manageable. 🙂

So if you've bought before you've sold, and are starting to worry, get in touch with us today to find out if a bridging loan is suitable for you. 👇

To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

15/07/2024

💪 Has your borrowing power just received a boost? 💪

Stage 3 tax cuts kicked in on 1 July. 🙌

That doesn't just mean you might be paying less tax - it also means you might now be able to borrow more for a home loan. 😮

For a single person on an income of $100,000, the Stage 3 tax cuts could add an extra $21,000 to their borrowing power, according to a RateCity analysis.

A couple with a combined annual income of $150,000 could see their borrowing capacity jump by almost $30,000. 🤜 🤛

It’s an uptick that can see you buy a home sooner, or afford a better place in a better suburb. 🏡

To find out if you've received a boost to your borrowing capacity, give us a call today. 👇

To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

10/07/2024

🤓 Why three-in-four Aussies turn to a broker for home loan help 🤓

Latest industry figures show that 74.1% of homebuyers turn to a broker for home loan help (and that figure has been steadily increasing!). 📈

Here are three ways you could benefit from the support of a mortgage broker with your next property purchase.

✅ We can help guide the way: we can act as a trusted guide to help you navigate the complex process of buying a home with confidence.

✅ We work in your best interest: we are bound by a Best Interests Duty, which means we are required by law to always put your best interests first.

✅ We’re here for the long term: You and your home loan are likely to be together for a while. And we’ll be right there with you, providing regular home loan reviews.

To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

08/07/2024

👵 The Bank of Nan and Pop is on the rise 👵

Nan and Pop have always been good for birthday money. 🎂

But they’re taking it to the next level now the grandkids are all grown up. 😎

Compare the Market says almost 1-in-10 Aussie grandparents are now helping their grandkids purchase property. 😮

It’s great if Nan and Pop can afford to offer a helping hand. 🤝

But even if you receive a cash gift from a family member, lenders may still want to see evidence of regular saving. 🤨

It gives the bank confidence you can manage a mortgage. 👍

So if you'd like us to help you get home loan ready, get in touch today and we'll run through the ins and outs with you. 👇

To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

03/07/2024

🌳 Is a bush or bay change on your bucket list? 🏝

A surging number of city-slickers are heading to the bush or bay, latest CommBank research shows.

Metro to regional relocations are now 20% higher than pre-Covid. 😮

Part of the appeal is affordability.

National regional home prices are $626,000 on average, compared to $864,000 across state capitals. 🤔

That’s a potential saving of $238,000. 👍

That can also translate to a $1300-$1600 difference in home loan repayments each month, depending on the loan term, interest rate and deposit amount (wouldn't that be nice?).

So if you’re hankering for a home among the gum trees, talk to us about a tree or sea change home loan. 👇

To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

01/07/2024

🤔 Could BNPL be a roadblock for your home purchase? 🤔

Two-in-five Australians now use buy now pay later (BNPL) services, according to Finder.

But if you’re a prospective home buyer it might be worth going easy on BNPL. 🙃

Owing money on BNPL could see a lender scale back your borrowing power. 😮

You may even be asked to close BNPL accounts as part of getting loan approval.

If you're currently house hunting and owe money on one or several BNPL accounts, give us a call and we can help you get your finances home loan ready. 👇

To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

26/06/2024

🏘 Millennials: Australia’s most active property investors 🏘⁣⁣⁣
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New CommBank data shows Millennials (born 1981 - 1996) accounted for almost half (46%) the bank’s new property investors in 2023. 😮⁣⁣⁣
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Almost 1-in-3 Millennials have purchased an investment property solo, without the help of a partner.⁣⁣⁣
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Plenty are also doing it by ‘rentvesting’ – buying property where they can afford, then renting where they want to live. 🙌⁣⁣⁣
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Ready to become a property investor? 🤔⁣⁣⁣
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Talk to us to know how much you can borrow, and let's try and get you into the market sooner. 👇⁣⁣⁣
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To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

24/06/2024

🚗 Records are being smashed in the new car market 🚗⁣⁣
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Over 105,000 new vehicles were sold in February 2024, an increase of 21% on 2023 (FCAI stats).⁣⁣
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But deciding how to pay for your car can be just as important as the make/model you choose. 🤔⁣⁣
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Dealer finance may seem quick and easy. 🤨⁣⁣
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But applying for car finance before you hit the car yards can provide you with:⁣⁣
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✅ More choice⁣⁣
✅ The potential for more affordable finance⁣⁣
✅ Turbo-charged negotiating power if your car loan is pre-approved.⁣⁣
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Love your car. Love your car loan. 🚙⁣⁣
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Call us today to help get you into a new set of wheels. 👇⁣⁣
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To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

19/06/2024

📈 Offset accounts have hit new highs 📈⁣⁣
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Somehow, it turns out not everyone is scratching for cash right now.⁣⁣
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Many home owners have money stashed away in their home loan offset accounts. 😮⁣⁣
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There’s a record $265 billion tucked into offset accounts around the country, according to APRA quarterly data.⁣⁣
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And it’s seeing borrowers save around $1.4 billion in monthly interest charges (RateCity estimate).⁣⁣
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Trouble is, offsets aren’t suitable for everyone. 🤔⁣⁣
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They don't work with fixed-rate home loans (unless you split it half-half with variable), and they tend to work best if you have big savings.⁣⁣
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Could it be right for you though? Call us today to find out. 👇⁣⁣
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To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

17/06/2024

🤔 Can you recall your home loan interest rate? 🤔⁣⁣
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Apparently 42% of mortgage holders have no idea what interest rate they’re paying on their home loan (Mozo report). 😅⁣⁣
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And it’s an oversight that can cost you dearly. 😬⁣⁣
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As a guide, the average home loan interest rate for owner-occupiers is currently 6.4%, and 6.3% for new home loans (RBA data).⁣⁣
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How does your loan compare? 🤨⁣⁣
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Call us today to know what you’re currently paying, and whether you could save by switching. 👇⁣⁣
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To find out more, DM us or contact Suvi on:

☎ – 0472 663 196
💻 – [email protected]

Address

34 Brisbane Street
Perth, WA
6000

Telephone

+61472663196

Website

https://nextgenhomeloans.com.au/

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