Loanfocus

Loanfocus Who are we? We're mortgage brokers. We'll help navigate you through the competitive and ever-changing mortgage landscape to find the right loan for you.

⚖ Buy or sell first? It can be a juggling act ⚖⁣⁣Buying before you sell your current home can be tempting if you’ve seen...
27/03/2024

⚖ Buy or sell first? It can be a juggling act ⚖⁣
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Buying before you sell your current home can be tempting if you’ve seen a place you love. ❤⁣
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But it may mean you need bridging finance – that’s an extra loan to tide you over until your old home sells. 🏡⁣
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Not all lenders offer bridging finance. And it can sometimes be a bit more pricey. 📈⁣
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It can also mean juggling two loans at the same time. 🙃⁣
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But, if you see the house of your dreams on the market and you need to act fast to buy it, it could help you bridge the money gap. ✅⁣
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To find out more, DM us or contact Loanfocus on:

☎ – 0419 043 428
💻 – [email protected]

👍 4 tips for self employed home loan applications 👍⁣⁣Run your own business? Applying for a mortgage when you’re self-emp...
25/03/2024

👍 4 tips for self employed home loan applications 👍⁣
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Run your own business? Applying for a mortgage when you’re self-employed may have you jumping through more hoops. 🙃⁣
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But it needn’t deter you from getting into the property market. 🙌⁣
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Here are 4 tips to consider to help you apply for a mortgage like a boss. 💪⁣
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1. Get your finances in order: build up a healthy credit score, lower your living expenses, save up a healthy deposit (aka genuine savings) and a cash buffer.⁣
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2. Make sure your business and personal finance documents are up to date. And run your business on accounting software such as Xero, MYOB or Hnry.⁣
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3. Choose your lender wisely. Applying with lenders that have a track record of approving self-employed loans might be a wise move.⁣
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4. Get in touch with us today. We can help you get started with many of the above tips! ⁣
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To find out more, DM us or contact Loanfocus on:

☎ – 0419 043 428
💻 – [email protected]

🏡 Are you prepared to buy at an auction? 🏡⁣⁣February saw a pick-up in auction activity, and CoreLogic says demand from b...
20/03/2024

🏡 Are you prepared to buy at an auction? 🏡⁣
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February saw a pick-up in auction activity, and CoreLogic says demand from buyers has kept pace, with clearance rates above 70%. 📈⁣
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If you’re planning to buy at auction, it can help to be prepared. 🙌⁣
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So here are some steps you may choose to take in advance: 👇⁣
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1. Talk to us about your borrowing capacity⁣
2. Consider home loan pre-approval so you can bid with confidence⁣
3. Arrange a pest and building inspection⁣
4. Understand how the deposit should be paid on auction day⁣
5. Have the sale contract reviewed by an expert to avoid hidden surprises.⁣
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To find out more, DM us or contact Loanfocus on:

☎ – 0419 043 428
💻 – [email protected]

A big part of our business comes from a happy client recommending us to their family and friends! So thanks for the reco...
18/03/2024

A big part of our business comes from a happy client recommending us to their family and friends! So thanks for the recommendation and review, Cindy! 😊

📢 Breaking: mortgage brokers help home buyers master LMI 📢⁣⁣Lenders mortgage insurance (LMI) can be a source of confusio...
18/03/2024

📢 Breaking: mortgage brokers help home buyers master LMI 📢⁣
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Lenders mortgage insurance (LMI) can be a source of confusion for home buyers. 🙃⁣
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But new research from MFAA and Helia shows mortgage brokers are helping Aussies get a better grasp of LMI – how it works, and how it can help buyers achieve their property goals. ✅⁣
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Put yourself in the know. 🤓⁣
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Talk to us for a clear explanation of what LMI is, when it applies, and how you can be an LMI boss to potentially get into your own place sooner. 👇⁣
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To find out more, DM us or contact Loanfocus on:

☎ – 0419 043 428
💻 – [email protected]

🤔 Are borrowers becoming complacent about high interest rates? 🤔⁣⁣Lending data from the ABS shows refinancing was down 1...
13/03/2024

🤔 Are borrowers becoming complacent about high interest rates? 🤔⁣
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Lending data from the ABS shows refinancing was down 12% in late 2023 compared to the year before. 📉⁣
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So are we learning to live with high rates or are there still savings to be made by switching? ⚖⁣
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Well, perhaps it's not time for complacency just yet. 😅⁣
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We're still seeing big variations in home loan rates. 🙌⁣
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Switching to a lower rate loan could put money back in your hands.⁣
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So don’t be left wondering – try and find out if you could do better. 👍 ⁣
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Talk to us today about a home loan review, we’ll let you know how your mortgage shapes up against the market. 👇⁣
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To find out more, DM us or contact Loanfocus on:

☎ – 0419 043 428
💻 – [email protected]

🏡 Choice ramps up for prospective house hunters 🏡⁣⁣The number of homes coming onto the market is increasing, with new li...
11/03/2024

🏡 Choice ramps up for prospective house hunters 🏡⁣
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The number of homes coming onto the market is increasing, with new listings on realestate.com.au up 12% nationally in January. 📈 ⁣
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It’s potentially great news for home buyers, who now have more choice. 👍⁣
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Drawing up a list of must-have home features can help you stay focused during your property search. 🙌⁣
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It also helps to be ready to act when you see a place you’d like to buy. 🏠⁣
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Another way to be prepared is to have home loan pre-approval in place. ⁣
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That can help you set a buying budget, so you can focus on homes within your price range. 🏡⁣
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It also means you can make an offer with confidence – and stay one step ahead of less-organised buyers. 👇⁣
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To find out more, DM us or contact Loanfocus on:

☎ – 0419 043 428
💻 – [email protected]

🏡 First home buyers roar back into market 🏡⁣⁣First home buyers stormed back into the market last year, taking out 28.5% ...
06/03/2024

🏡 First home buyers roar back into market 🏡⁣
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First home buyers stormed back into the market last year, taking out 28.5% of all new home loans, according to ABS statistics.⁣
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Could you (or someone you know) be next to buy a first home? 🤔⁣
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Here are 5 potential tips to help get started:⁣
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1. Talk to a mortgage broker – we’ll help break down the home buying process, and explain how you can become home loan-ready sooner.⁣
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2. Save, save, save – the bigger your deposit, the less you may need to borrow.⁣
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3. Cut your credit card limit – reducing card limits could boost your borrowing power.⁣
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4. Check out first home buyer incentives – a financial helping hand might fast-track your first home purchase.⁣
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5. Consider a 5% deposit scheme – buying with 5% deposit? In some circumstances it can be done!⁣
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Call today for more ideas on getting into your own home sooner. 👇⁣
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To find out more, DM us or contact Loanfocus on:

☎ – 0419 043 428
💻 – [email protected]

⚖ What to weigh up with a property development ⚖⁣⁣Australia appears to be in the grip of a housing shortage, with Housin...
04/03/2024

⚖ What to weigh up with a property development ⚖⁣
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Australia appears to be in the grip of a housing shortage, with Housing Australia estimating that we currently need 175,000 more homes. 😮⁣
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That can make it tempting to take on a property development project of your own - particularly if you've got the land, funds, time and motivation to do so. 🏡⁣
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But they’re not always a money-spinner - especially if you're inexperienced or unprepared. 📝⁣
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Here’s what to consider watching for: 👇⁣
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1. Construction costs are easing, says CoreLogic, but unplanned blow-outs can still eat into your budget.⁣
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2. Building applications can be a minefield - know what’s required.⁣
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3. Explore your finance options. It could be the difference between making, or losing, money.⁣
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Get in touch with us if you’re thinking of a property development project. 📞⁣
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We can explain the loan options available so you can build with more confidence. 💪⁣
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To find out more, DM us or contact Loanfocus on:

☎ – 0419 043 428
💻 – [email protected]

🛻 HiLux vs Ranger: what was the top selling vehicle in 2023? 🛻⁣⁣It was down to the wire, but the Ford Ranger (63,356 ute...
28/02/2024

🛻 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). ⚡️
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How about you? Need a new set of wheels in 2024? 🚗

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

☎ – 0419 043 428
💻 – [email protected]

We pride ourselves on our in-depth knowledge! And it's always great when we get to share that knowledge with our clients...
27/02/2024

We pride ourselves on our in-depth knowledge! And it's always great when we get to share that knowledge with our clients! Thanks for the great review Bozidar! 😁

🤔 Home buying: should you use a solicitor or conveyancer? 🤔⁣⁣Buying a home isn't all fun and games (unfortunately). It a...
21/02/2024

🤔 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 Loanfocus on:

☎ – 0419 043 428
💻 – [email protected]

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9 Hardy Street
South Perth, WA
6151

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