Finance for Truckies

16/07/2025

Confused about how balloon payments or residuals work in equipment financing and how to benefit from them? 🤔

Check out our latest discussion to get all the details and make informed decisions! 🚛💰

Lower your finance repayments with the power of balloon payments and residuals! Learn how at Finance 48. 🎈🔧

20/04/2025

Happy Easter!! 🐰
From Finance48. 🫶

19/04/2025

Little Pup didn't want to go to the bank branch either...
Too much work...He wanted to let his broker come to him instead!

17/04/2025

🚛 Why we love earthmoving and transport so much!

Watch out for the blooper at the end ;)

Stay safe and have a wonderful Easter, people!

17/04/2025

🍿🎬 Season One/Episode Two: Education Mini-Series, What’s the Benefit of Lenders Mortgage Insurance (LMI) for Borrowers?

- Get into your new home sooner with a smaller deposit.
- Perfect for first-time buyers who haven’t saved 20% yet.
- Take advantage of the market now, don’t wait for prices to rise.
- Access better loan options and interest rates with LMI support.
- Start building equity and achieving your property goals faster!

🥳

17/04/2025

👀Why "Eye Balling" Beats E-Signing Every Time:
- Eye contact builds trust, something digital signatures alone can’t deliver.
- Face-to-face meetings reveal needs digital forms might miss.
- Human connection is our standout advantage in a digital world.
- In-person chats reduce risk and boost client understanding.
- Memorable meetings create loyal clients and powerful referrals.
🙏🥸

16/04/2025

Season One/ Episode One: Education Mini-Series:

Ready to Buy a Home But Short on Deposit? Here’s What You Need to Know About LMI 🏡

Struggling to save a 20% deposit? You’re not alone. Rising property prices and the cost of living crunch are making it tougher than ever for first-time buyers to get into the market. That’s where Lenders Mortgage Insurance (LMI) comes in.

What’s LMI?
LMI lets you buy a home with as little as 5% deposit. This protects the lender. You pay the premium, but it means you can get into your own place years sooner.

Why it matters now:
- With the government’s expanded Home Guarantee Scheme, more buyers can purchase with just 5% down, no LMI needed for eligible applicants.
- Recent news: Property prices are hitting new highs in 2025, and experts say waiting to save a bigger deposit could mean paying even more later.

Myth-buster:
LMI isn’t just a bank fee, it’s your ticket to homeownership when saving 20% feels impossible.

Thinking about buying?

DM us to see if you qualify for a low-deposit loan and get into your new home faster.

20/12/2024

Merry Christmas and Happy New Year from Finance for Truckies!
Wishing you all a jolly time with your loved ones!

19/07/2024

Dear Friends,

I hope this message finds you well. Over the years, we've had the privilege of assisting you with your financial needs. Now, I’m asking for your support in a cause very close to my heart.

Cancer has impacted too many of us, and it's time to stand up, and make a difference. This October, I'm cycling 200 km over 2 days to raise $4,000 for cancer research at the Harry Perkins Institute of Medical Research.

The Perkins Institute is dedicated to advancing cancer research and developing kinder treatments. Their annual MACA Cancer 200 Ride for the Perkins on October 12th-13th 2024, raises critical funds and awareness.

Please consider making a tax-deductible donation to help us reach our goal. Every contribution brings us closer to a world without cancer. You can donate in the link attached.

Thank you for your generosity and support. Wish me luck on this journey!

Paul

This October I’m riding 200km in the MACA Cancer 200 Ride for Research to help find a cure for cancer. I could really use your help to raise as much as I possibly can to make a difference. I’m passionate about this and I hope you will support me.

23/02/2024

Top Tips For 1st Home Buyers

Tired of the rent-trap? Struggling to find a rental property?

Australia’s property market has never been hotter. In this article, Finance 48 list their 5 Top Tips for 1st home buyers chasing that great Australian Dream of Home Ownership

1. Get your (financial) house in order
Banks will be calling for your bank statements, so we recommend you cease any unsavory (in the bank’s eyes) spending habits. These include gambling and Buy-Now-Pay-Later lenders.

2. See a Mortgage Broker
Their expertise costs you nothing, and they have access to a lot of lenders, you may not have even considered. They do all the work, to hunt down the best deal, for you

3. Get a Pre-approved Home Loan
This puts you at the front of the pack when placing an offer, and can give you negotiating power, and buying confidence

4. Deposit is King – start saving!
Lenders will generally lend 80% of the property value, meaning you’ll need to come up with 20% + costs (stamp duty etc)
However the recent First Home Guarantee Scheme (with a limited # of spots) means you may buy with only 5% (conditions apply)

5. Do your Budget
You want to make sure you can meet the mortgage repayments, without severely compromising your lifestyle. Have a close look at your #’s, and do a household budget

Want to know more, contact us today via www.finance48.com.au or 08 9227 7233

16/02/2024

There’s no doubt about it – the property market in WA is running red-hot right now. And we’re seeing lots of buyers, missing out. Want to be in the “box-seat when putting an offer in?

Consider getting a pre-approved home loan. The benefits are numerous:

• Puts your nose in front of other buyers – useful, especially in a competitive market
You’re able to move quickly in a super-competitive market

• Gives you negotiating power
You’re in a stronger position, when it comes to price negotiation, as finance is not an impediment

• Gives you peace of mind knowing your budget, and what you can afford
This enables you to focus your search for properties within a certain price range and so in turn, saves you time

• Helps avoid disappointment
Knowing your finance is pre-approved, means you can set your heart on your dream home

• Less likely to have settlement delays
The pre-approval can help speed up the settlement process, as all the hard work in sorting your finance, is already done

Want to know more? Contact us today

07/02/2024

Why use a Mortgage Broker?

Embarking on the journey of homeownership, or navigating the complexities of a mortgage/ re-finance? Here are five compelling reasons why choosing a Mortgage Broker is the smartest move for your financial success.


1. Limitless Options, Tailored Solutions
Whilst banks restrict you to their offerings, experienced brokers open the door to over 50 lenders and 2,500 loan products. Brokers can curate a customized solution, ensuring your mortgage fits your unique needs.

2. Steadfast Support Amidst Change
While banks shuffle staff, close branches and ramp up rates , your Mortgage Broker stands firm as your unwavering ally. Experience stability with a personal guide dedicated to your financial journey. They're with you all the way

3. Expertise Beyond Comparison
Our seasoned brokers are well-versed in a spectrum of loan products, providing you with expert advice and a commitment to your long-term financial well-being.

4. Specialized Wisdom at Your Fingertips
Searching for a specific finance product, like an investment property loan? Turn to a broker with specialized knowledge in your desired area for tailored guidance, to come up with a tailored home loan solution, just for you.

5. Your Advocate in a Dynamic Market
Unlike bankers, a broker works for you, not the banks. They proactively keep you informed, follow up consistently, and ensure you're always on the optimal loan product in the ever-changing marketplace. (oh, and they don't cost you a cent!)

Choose Finance 48 – Your Partners in Finance on the Path to Homeownership Solutions.