Joy Finance

20/04/2023

Bye bye slim pickings … As prices bounce back, so do property listings. 🏠

As property prices start to climb, listings are following suit. So if you’re hunting for a home, what does this mean for you?

13/04/2023

Fixed-rate cliff looming? Here’s how refinancing (properly) can help soften the landing. 🪂

You’ve probably heard the term “fixed-rate cliff” bandied about in finance news feeds. But what is it? And if you’re about to head over it, how can you prepare for a soft landing?

04/04/2023

And … exhale. After 10 straight rate hikes the Reserve Bank of Australia (RBA) has today decided to put the official cash rate on hold. But for how long? 🤔

And … exhale. After 10 straight rate hikes the Reserve Bank of Australia (RBA) has today decided to put the official cash rate on hold. But for how long?

30/03/2023

Applying for a mortgage? Here are some eyebrow-raising spending habits you may want to avoid. 🤨⁣⁣

We all know being on our monetary best behaviour can help to land a home loan. But did you know there are common spending habits you may have that are red flags to lenders?

23/03/2023

Good news! First-home buyer deposit saving timelines have plunged. Are you ready to dive in? 🏊

Home loan headlines have been, let’s face it, a bit of a downer of late. But the good news is that first-home buyers are now reaching their 20% deposit goal faster.

16/03/2023

Got an eagle eye on the market? Look at more than rate rises to know when it’s time to swoop in. 🦅

Rate rises can affect the property market, as we’ve all seen of late. But there are other factors that appear to hold longer-term sway over national house prices.

07/03/2023

The RBA has increased rates for a tenth straight meeting, taking the official cash rate to 3.60%. How much will this increase your mortgage repayments, and how many more rate rises to come? 😬

The RBA has increased the official cash rate for a tenth straight meeting, taking it to 3.60%. How much will this rate hike increase your monthly mortgage repayments, and how many more rate rises are expected to come?

02/03/2023

Have recent rate hikes made you nervous about taking the plunge into the property market? Here’s how to stay cool, calm and collected when buying your next property 😎

The property market has had more plot twists than a daytime soap opera in recent years. So getting the skinny on current trends is helpful when you’re planning to buy. Here’s the lowdown on the latest surprising bit of data.

23/02/2023

Have recent rate hikes made you nervous about taking the plunge into the property market? Here’s how to stay cool, calm and collected when buying your next property 😎

Have recent rate hikes made you nervous about taking the plunge into the property market? You’re not alone; it’s a buyer’s market for a reason. Here's how to stay cool and calm when buying your next property.

22/02/2023

📈 Small to medium enterprise loan amounts are on the rise 📈⁣
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With SMEs expanding across Australia, lending to medium businesses has risen by 16%.*⁣
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And the average loan amount approved for SMEs has increased. 🤓⁣
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Do you have a small to medium business and are in need of a loan? 🤔⁣
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We’d love to help you find the right loan to suit your business needs. 👇⁣
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To find out more, contact Joy Finance on:

☎ – 03 8595 0666
💻 – [email protected]
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*Australian Banking Association ⁣
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20/02/2023

😯 Your inheritance alone may not cut it 😯⁣
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Many lenders require proof of genuine savings too. It shows you can put money aside for repayments. 💰⁣
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Some won’t accept inheritance money as genuine savings. But some will if you’ve held onto it for 3 months.⁣
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Save on the confusion, and get a mortgage professional on your side. 👍⁣
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We’ll help you work with your inheritance funds to get into the property market. 👇⁣
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To find out more, contact Joy Finance on:

☎ – 03 8595 0666
💻 – [email protected]
⁣

16/02/2023

Do you have a fixed-rate mortgage contract that’s coming to an end soon? Today we’ve got some tips for a smooth transition. 😎

Do you have a fixed-rate mortgage contract that’s coming to an end soon? It can be a stressful time, particularly with rate rise news dominating the headlines. So today we’ve got some tips for a smooth transition.