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361 Lending Solutions

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Australia
Point Cook, VIC
361 Lending Solutions

We believe in open and honest discussions and our end goal is to connect you with the right product and make your borrowing process as hassle free as possible.

With 15+ years in the banking and finance and almost a decade of experience in mortgage broking, we have amassed a wealth of knowledge and built relationships which will help you with a solution that best suits your needs. We are a boutique mortgage broking business with a team of experienced and qualified mortgage brokers who strive to provide the clients with financial solutions that best suit their needs and objectives.

03/06/2026

🏡 The big advantage of owning rather than renting 🏡⁣
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They say rent money is dead money (unless you're the one collecting it!) 😅⁣
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And while not everyone is in a position to own their own home just yet, a recent Cotality report shows there are still locations where it can be cheaper to buy an apartment than rent. 📊⁣
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In inner Melbourne, and some suburbs in Darwin and the ACT, it can be cheaper to buy, rather than rent, a unit. 🏢⁣
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There can also be minimal differences between rent and loan repayments in parts of Sydney, Adelaide and Perth. ⁣
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But home ownership isn’t just about rent versus mortgage payments. ⁣
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Home owners can also potentially benefit from property price growth, the freedom to add value through renovations, and the personal rewards of saying “I own this”. 🏠⁣
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Talk to us about jumping off the rental merry-go-round and becoming a home owner. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

01/06/2026

🌏 What's the best city in Australia to raise a family 🌏⁣
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Compare the Market has ranked the best 50 cities globally to raise a family. ⁣
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Hats off to Brisbane, which topped the list, by a solid margin! 🏆⁣
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London and Auckland took out 2nd and 3rd place. 🥈🥉⁣
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Sydney made the top five, ranking fifth. 📍⁣
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Other major Australian cities like Perth ranked sixth, and Melbourne ranked seventh. 📈⁣
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But hey, we're pretty spoilt for choice here in Australia.⁣
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No matter where you’re planning to raise a family, having a home loan that suits your needs can play a key role in putting down roots. 🏡⁣
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Talk to us about a home loan that can let your family find a cosy nest. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

27/05/2026

🏘️ More Australians are looking to build wealth through property 🏘️⁣
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Two in five Aussies plan to buy an investment property in the next 12 months. 📊⁣
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That’s the finding of a recent Great Southern Bank survey. 🏦⁣
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It’s all part of a drive by Australian families to shore up their long term financial wellbeing. 💰⁣
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And property has plenty going for it: the potential for strong price growth, enticing rental yields, and possible tax savings. 🏡⁣
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Better still, home owners may be able to use their home equity in place of a cash deposit on a rental property. 💡⁣
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Talk to us about pathways to owning an investment property. It could get the ball rolling on your future wealth. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

25/05/2026

❄️ Low cost ways to keep your place cosy this winter ❄️⁣
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Brace yourselves, Winter is coming! 🥶⁣
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Instead of cranking up the heater, a few budget-friendly steps could help keep your home cosy. ⁣
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Seal gaps around windows and doors to keep out draughts. It can cut heating bills by 25%. ⁣
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Up to 40% of heating can be lost through windows. Simple solution, invest in curtains, blinds or even double glazing. 🪟⁣
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Add insulation to reduce heating costs by around 45%. 🧱⁣
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Or, think big and embrace solar power. ☀️⁣
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Need help to fund your winterproofing home renos? Talk us about your funding options. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

20/05/2026

⏱️ Want to cut up to 5 years off your first home deposit saving time? ⏱️⁣
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As property prices head north, saving a traditional 20% deposit can be a serious challenge. ⁣
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But, there may be a short cut for many first home buyers.⁣
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A Domain report reveals the 5% Deposit Scheme can help Sydney first home buyers get into the market up to 5 years and 7 months earlier. 🏡⁣
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For Brisbane and Adelaide first homebuyers, the scheme can cut over four years off the time taken to save a deposit. 📊⁣
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In every other capital, the 5% Deposit Scheme can see first homebuyers bring forward their plans by more than three years. ⏩⁣
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Call us to see if the 5% Deposit Scheme could help you get into the property market sooner. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

18/05/2026

🤝 Broker versus bot? It’s no contest 🤝⁣
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The person-to-person support of a mortgage broker eclipses anything an AI bot can dish up. 🤖⁣
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That’s the finding of Great Southern Bank research. 📊⁣
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It confirms 7-in-10 Australians say guidance from mortgage brokers is more valuable than AI-generated advice. 📈⁣
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Financial decisions like buying a home are long term and complex. 🏡⁣
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That’s why we stay in touch to see how your home loan is shaping up. 📞⁣
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Try saying that about a bot. 😅⁣
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Talk to us for human advice on the home loan that works best for you. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

13/05/2026

📄 Could your home loan pre-approval be out of date? 📄⁣
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Mortgage pre-approval can potentially be an advantageous move for home buyers. 🏡⁣
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But recent rate hikes could leave your pre-approval in need of an update. ⁣
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Not only does pre-approval have a limited time span, usually 3–6 months, but it can also be impacted by rising rates. ⏱️⁣
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Canstar says just one 0.25% rate cut can reduce a single home buyer’s borrowing power by $12,000. ⁣
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That means a couple's borrowing power could have been reduced by more than $72,000 since the three cash rate hikes earlier this year. ⚠️⁣
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The last thing you need is to discover you can’t finance the place you want to buy because of higher rates. ⁣
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Talk to us to bring your loan pre-approval up to date - and potentially find ways to improve your borrowing power. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

11/05/2026

📈 Is buying an investment property earlier the key to building wealth? 📈⁣
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Regrets? One-in-three Aussie investors say they regret not investing earlier. 😬⁣
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And perhaps for good reason...⁣
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Finder research shows people who started investing in their 30s are 46% wealthier than those who waited until their 40s.⁣
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That’s because investment returns can compound over time. 🔄⁣
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Just look at property: 45% gains in the last five years alone! ⁣
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And while past performance is not an indication of future performance, historically speaking, the national property market has delivered consistent long-term growth.🏡⁣
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Of course, with all things investment related, please seek independent financial advice to consider all your options.⁣
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But if you do decide to invest in property, consider contacting us to explore your investment loan options. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

06/05/2026

🏡 How much do you really need to buy a first home? 🏡

Long gone are the days when you needed to save up a full 20% deposit (plus extra for other expenses!).

These days, you could need a deposit of just 5%, or even 2% if you’re a single parent, to buy a first home. 💰

For a $700,000 first home, a 5% deposit is $35,000.

Better yet, you may also be eligible for stamp duty exemptions/concessions or first home buyer grants.

Don’t forget to factor in other upfront expenses though. ⚠️

Legal fees, home insurance, stamp duty, and furniture removalists can all add up. 📦

Need help crunching the numbers and figuring out how much you could borrow? That's our specialty. 👇

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

☎️ – 0433 000 034
💻 – [email protected]

04/05/2026

🔁 A record number of Australians just refinanced their home loan 🔁

Looks like Australia is in the midst of a refinancing frenzy.

The ABS says over 640,000 homeowners refinanced their home loan last year.

That’s 73 loans refinanced every hour. ⏱️

Goes to show Aussie home owners are keeping their eyes on the ball when it comes to getting value out of their home loan.

It’s also a cue to check in with us to see if your old loan still suits your needs.

We’ll let you know if you could potentially save with a lower rate or improved loan features. 👇

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

☎️ – 0433 000 034
💻 – [email protected]

Address

113/22-30 Wallace Avenue
Point Cook, VIC
3030

Opening Hours

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

Telephone

+61433000034

Website

https://361lendingsolutions.com.au/

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