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Wise Equity Solutions

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Australia
South Yarra, VIC
Wise Equity Solutions

We offer a team of finance specialists with over 20 years of experience. Get wise with us today!

05/06/2024

💪 How does your home loan rate shape up? 💪⁣
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Your home loan may have had a red hot rate back in the day. 🙌⁣
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But is it still competitive? 🤔⁣
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One in five borrowers haven’t compared rates since first taking out their loan (Mozo report).⁣
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Keeping on top of your loan rate doesn't need to be difficult though. 🙃⁣
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Talk to us about a home loan review. 🙌⁣
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It lets you know if your loan is still getting a good rate – with all the features and flexibility you need. 👇⁣
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To find out more, DM us or contact Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

03/06/2024

⏳ How long does it really take to get a home loan? ⏳⁣
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As soon as you pay a deposit on a home, the clock is ticking to line up a home loan. ⏰⁣
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Finance (or cash 😅) is required by settlement, or you could cop costly fees and penalties. 😬⁣
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As a rule, try and allow around 4-6 weeks to land a loan. ⁣
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There’s plenty you can do however to help speed up the process:⁣
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✅ Talk to us to know if your finances are home-loan ready⁣
✅ Have the paperwork in place that lenders like to see⁣
✅ Check you’ve completed the loan application accurately⁣
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Ask us about loan pre-approval too. It can be a lot less stressful than applying for a loan after you’ve paid a deposit. 👇⁣
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To find out more, DM us or contact Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

29/05/2024

🤨 Is FOMO, FOBO or FOOP clouding your judgement? 🤨⁣
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Three common mind traps can get between you and your property goals. 🏡⁣
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Fear of Missing Out (FOMO) is the most famous of the trio and can lead to overpaying (and thus, taking on too much debt), as buyers race into the market to buy before prices potentially rise higher. 📈⁣
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Fear of Better Options (FOBO), on the other hand, can see buyers waiting on the sidelines for too long (or indefinitely!) for a better property to come along. ⏰⁣
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Fear of Over Paying (FOOP) can also be a big mental block. But plenty of research can let you know if you’re paying a fair price. 👍⁣
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If you've got doubts about what you can afford to buy, speak to us today and we'll help you assess your borrowing capacity. 👇⁣
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To find out more, DM us or contact Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

27/05/2024

🏡⁣ Home owners now have an extra $71,000 in equity (on average) 🏡⁣⁣
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CoreLogic's home value index has skyrocketed $71,832 since January 2023. 📈⁣
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That could mean a 5-figure jump in your home equity! 🙌⁣
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Want to make your home equity work harder for you? ⁣
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Here are some potential ways you could leverage it:⁣
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🏡 Refinance your home loan to save on interest⁣
🏚 Tap into renovation funds to improve your home’s value⁣
🏘 Buy an investment property without (possibly) dipping into cash savings⁣
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Talk to us today about ways you could unlock your equity and pursue other opportunities. 👇⁣
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To find out more, DM us or contact Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

22/05/2024

🏘 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 Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

20/05/2024

🚗 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 Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

15/05/2024

📈 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 Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

13/05/2024

🤔 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 Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

08/05/2024

🏠 What's the average home loan size where you live? 🏠⁣
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Here’s how the average new home loan shapes up in your neck of the woods (ABS data):⁣
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NSW – $770,000⁣
VIC – $614,000⁣
ACT – $581,000⁣
QLD – $559,000⁣
SA – $530,000⁣
WA – $530,000⁣
TAS – $434,000⁣
NT – $422,000⁣
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Remember, averages don’t paint the full picture. 🎨⁣
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What matters is that you have a loan you can manage.⁣
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Talk to us to know your borrowing power, and let us help you get a loan that suits your budget. 👇⁣
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To find out more, DM us or contact Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

06/05/2024

📢 Have you heard of loud budgeting? 📢⁣
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Lending to first home buyers is up, and NAB research puts it down to many young Australians embracing ‘loud budgeting’. 📣⁣
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It’s all about boldly letting friends/family know you’re sticking to a budget to kick some serious savings goals. ⚽️⁣
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Chances are, they’re keen for you to save too. 🙌⁣
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So, instead of a pricey night out, you may decide to catch up over a low-cost night in - with the idea being that your closest family and friends understand why.⁣
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Talk to us for more strategies that can help you get into a place of your own sooner. 👇⁣
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To find out more, DM us or contact Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

01/05/2024

⏳ Time is on your side when you're an investor ⏳⁣
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Keen to succeed on your investment property journey? 💪⁣
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All you may need is time.⁣
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CoreLogic’s latest Pain & Gain report shows properties re-sold in the final quarter of 2023 made a median profit of $310,000. 🙌⁣
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But the big money went to those who held for longer:⁣
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✅ Properties held for 20 years earned a $425,000 median profit⁣
✅ Those held for 30-plus years scored a median profit of $784,000.⁣
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Your loan can play a role too. And that's where we come in by helping match you up with a suitable investment property loan.👇⁣
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To find out more, DM us or contact Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

29/04/2024

🤔 Why are home values defying higher interest rates? 🤔⁣
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Rates have soared but that doesn't seem to have put a dampener on property values across most of the country. 🏡⁣
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Why not? Well, CoreLogic points to three potential reasons. 👇⁣
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1. A strong bounce back in population growth.⁣
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2. Tight rental markets mean more people are thinking of buying instead of renting.⁣
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3. High activity among buyers who don’t need a home loan (yes, we’re talking cash buyers).⁣
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The take-out?⁣
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If you wait for property values to fall to get into the market, well, it may not happen. ⚖⁣
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Timing the market can be incredibly difficult - especially the property market. ⁣
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'Time in the market' could be more straightforward to achieve. 👍⁣
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To find out more, DM us or contact Elizabeth on:

☎ – 1300 094 523
💻 – [email protected]

Address

South Yarra, VIC
3141

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 8pm
Sunday	9am - 8pm

Website

https://wiseequitysolutions.com.au/

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