Finance 4 You

Home
Australia
Perth, WA
Finance 4 You

Home Loans
Investment Loans
Buisness Loans
Personal Loans
Car Loans
Insurances

I have been a mortgage broker since April 2007, I was at Aussie home loans for 7 1/2 yrs and started Finance 4 You in November 2014.

25/09/2024

🌸 The spring selling season is here! 🌸⁣⁣
⁣⁣
Spring generally sees more homes come onto the market, which means now is a good time to get in touch with us to make sure you're ready to buy. 🤝⁣⁣
⁣⁣
We can help you with loan pre-approval, which helps you set a buying budget and bid at auctions with confidence. 😎⁣⁣
⁣⁣
It also means you don't have to scramble to arrange finance after the hammer falls. 🔨⁣⁣
⁣⁣
Even better, loan pre-approval usually lasts for 3-6 months, so you’re good to go for the whole of spring (and possibly summer!). ☀️⁣⁣
⁣⁣
To find out more, DM us or contact Finance 4 You on:

☎️ – 0404 917 691
💻 – [email protected]

23/09/2024

🥸 How old is 'too old' for a home loan? 🥸⁣
⁣
From divorce to downsizing there can be many reasons why over-50s need a home loan.⁣
⁣
Rest assured there's no definitive cut-off age, and lenders can’t discriminate based on a borrower’s age. 🙌⁣
⁣
But if you’re aged 55-plus you might have to jump through a few more hoops.⁣
⁣
Banks will want to see you have the income to manage a home loan. ✅⁣
⁣
You may also need an exit strategy that shows how you’ll pay off the loan when you’re ready to hang up your work boots.⁣
⁣
Talk to us to make the journey smoother.⁣
⁣
We’ll help you find a loan that’s suited to your needs and life situation. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎️ – 0404 917 691
💻 – [email protected]

18/09/2024

🏡 More first home buyers are turning to rentvesting 🏡⁣
⁣
There's been a 25% jump in first home buyers choosing to buy a rental property rather than a home to live in, according to ABS data.⁣
⁣
It can be a win-win strategy. ✅ ✅⁣
⁣
Rent where you want to live. ⁣
⁣
Buy where you can afford, and use rental income to help pay the mortgage. 🏘⁣
⁣
It’s not for everyone but it can be a start on the property ladder.⁣
⁣
And that matters when home prices are rising. 📈⁣
⁣
Call us to find out if rentvesting could work for you. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎️ – 0404 917 691
💻 – [email protected]

16/09/2024

🥼 Home loan sweeteners for doctors, lawyers and accountants 🥼⁣
⁣
Aussies working in professional roles - such as doctors, dentists, lawyers and accountants - can be eligible for certain home loan perks.⁣
⁣
That's because banks are often keen for high income earners to come on board as long term customers. ⁣
⁣
The most common perk (for doctors, especially) is a waiver of lenders' mortgage insurance (LMI) for borrowers with a deposit as low as 5%. 😮⁣
⁣
As a guide, buying an $800,000 home with a 5% deposit of $40,000 could attract an LMI premium of up to $35,000.⁣
⁣
If you’re working in a professional role, talk to us to potentially tap into your home loan perks. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎️ – 0404 917 691
💻 – [email protected]

11/09/2024

📈 Will home prices keep rising over the next year? 📈⁣
⁣
The past 12 months have seen national home values increase by 8.3%, according to CoreLogic.⁣
⁣
But a new report suggests we might not be done with the gains just yet. 😮⁣
⁣
Domain is predicting national house prices to rise 3-6% this financial year.⁣
⁣
The biggest gains are forecast for Perth (8-10%), Adelaide (7-9%) and Sydney and Brisbane (6-8%)**.⁣
⁣
Remember though: these are predictions, not facts. 🔮⁣
⁣
That’s why the ‘right' time to buy is when you feel ready.⁣
⁣
Talk to us to understand your borrowing power, and we'll help match you with a home loan that’s right for your needs. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎️ – 0404 917 691
💻 – [email protected]

09/09/2024

📈 Property profits have just hit a 14-year high 📈⁣
⁣
But how can that benefit you if you have no intention of selling anytime soon?⁣
⁣
Well, you may be able to leverage some of those gains as equity for a deposit on an investment property. 🏘⁣
⁣
CoreLogic’s latest Pain & Gain report reveals that among homes resold in the first quarter of 2024, the median profit was $265,000.⁣
⁣
If your home is sitting around that median mark, and you've also paid an additional $135,000 off your home loan since you bought, that's an additional $400,000 in equity you could potentially unlock.⁣
⁣
If you’re interested in finding out more about unlocking your equity, contact us today for a chat. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎️ – 0404 917 691
💻 – [email protected]

04/09/2024

🏡 What's the typical loan size borrowers take on? 🏡⁣
⁣
The average new home loan across Australia just hit a record high of $626,055 in May 2024*, according to ABS stats.⁣
⁣
But not everyone is borrowing more.⁣
⁣
NSW has the biggest average new loan of $767,584, up from $720,029 in May 2023. 📈⁣
⁣
The average new mortgage also jumped in Qld (up to $586,627), SA ($541,775), WA ($538,860) and Canberra ($614,242) over the past year.⁣
⁣
But average loan sizes barely budged in VIC ($601,891), Tassie ($462,324), and the NT ($437,427).⁣
⁣
But does size really matter? 🤔⁣
⁣
Definitely - especially when interest rates are currently so high.⁣
⁣
Talk to us about finding a home loan that’s right for you with a rate that suits your budget. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎️ – 0404 917 691
💻 – [email protected]

02/09/2024

🏡 Can you use your super to save a first home deposit? 🏡⁣
⁣
Want to fast-track your first home deposit?⁣
⁣
The First Home Super Saver Scheme could be worth a look. 👀⁣
⁣
The scheme could boost your savings for a deposit by 30% compared to a regular savings account, says the federal government.⁣
⁣
Simply make voluntary contributions to super – up to $15,000 annually. 📆⁣
⁣
This can allow you to benefit from the tax savings you receive from your super fund, plus the potential for higher returns compared to a regular savings account.⁣
⁣
When you’re ready to buy, you can withdraw the money you've voluntarily contributed - up to $50,000 - plus any associated earnings. 😁⁣
⁣
Better still, if you're buying with a partner, together you can withdraw up to $100,000 plus associated earnings.⁣
⁣
Call us today to see if the scheme could help you become a home owner. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎️ – 0404 917 691
💻 – [email protected]

28/08/2024

🤨 What assistance is available for first home buyers? 🤨⁣
⁣
Saving up to buy your first home is no mean feat. 😅⁣
⁣
Fortunately, there’s a few schemes and options that can help you get your foot in the door. 🥾⁣
⁣
Pick from:⁣
⁣
✅ The Home Guarantee Scheme: buy with just a 5% deposit and no LMI.⁣
✅ First Home Owner Grants: worth up to $10,000 in many (but not all) states.⁣
✅ Stamp duty concessions or exemptions: available in most states.⁣
✅ The First Home Super Saver Scheme: grow a deposit in super^.⁣
⁣
Even better, you can mix and match the different schemes above to help fast-track your first home purchase.⁣
⁣
Talk to us to find out about the first home buyer schemes you could tap into. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎️ – 0404 917 691
💻 – [email protected]

26/08/2024

🚨 Investor alert: rental property claims on the ATO radar 🚨⁣
⁣
Landlords, look out! 😮⁣
⁣
The Australian Tax Office is warning that rental property claims are under the spotlight this year. 🔦⁣
⁣
It follows a review showing 9 out of 10 landlords are getting their tax returns wrong. 😬⁣
⁣
So what do you have to watch out for in particular this year? 🤔⁣
⁣
Repairs and maintenance costs will be closely reviewed. 🏚⁣
⁣
The tax man will also be looking for inflated expenses to offset increased rental income. 🧐⁣
⁣
If you think this might be the year to start using a tax agent, get in touch and we'll put you in touch with someone we trust. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎ – 0404 917 691
💻 – [email protected]

19/08/2024

🧐 What does buying a home ‘subject to finance’ mean? 🧐⁣
⁣
Seen a place you love but not sure if you’ll get a home loan? 🤔⁣
⁣
Making an offer ‘subject to finance’ can buy valuable breathing space. 👍⁣
⁣
It means you could walk away from a purchase with your deposit intact if you can’t land a home loan. ⁣
⁣
The catch? 🎣⁣
⁣
The seller doesn’t have to go along with a sale that’s subject to finance - and there's a reasonable chance they won't if you're buying in a seller's market. 🙃⁣
⁣
Another option you can consider is lining up home loan pre-approval before making an offer on a property. 🙌⁣
⁣
If you'd like to find out more about pre-approval, call us today. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎️ – 0404 917 691
💻 – [email protected]

14/08/2024

🚙 What are the most popular cars to buy right now? 🚙⁣
⁣
🛻 Ford Ranger remained king of the road in May with 5,912 sales, followed closely by the Toyota HiLux (5,702) and Toyota RAV4 (5,517), according to FCAI statistics.⁣
⁣
🚗 Toyota was market leader in May with 23,389 sales, followed by Ford (8,806), Mazda (8,002), Kia (7,504) and Hyundai (6,495).⁣
⁣
🔋 Almost one-in-four cars sold in May was either an electric vehicle (8.1% of sales) or hybrid vehicle (15.8%)⁣
⁣
Itching for a new car but not quite sure how to fund the purchase? ⁣
⁣
Call us today to discuss your vehicle finance options. 👇⁣
⁣
To find out more, DM us or contact Finance 4 You on:

☎ – 0404 917 691
💻 – [email protected]

Address

Perth, WA
6151

Website

http://www.finance4u.com.au/

Alerts

Be the first to know and let us send you an email when Finance 4 You posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Finance 4 You:

Shortcuts

Featured

Nashi Finance

Want your business to be the top-listed Finance Company in Perth?