Orange Tree Home Loans

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Orange Tree Home Loans

Give Orange Tree a call and let’s grow together 🍊🌳

31/08/2025

Had a great night at the Sapphire Gala Dinner supporting Lifeline. The guest speakers really hit home for me, having been affected by su***de. Please consider donating if you can 🫶🏼🍊🌳

11/12/2024

🙌 4 ways to save up a deposit sooner 🙌⁣
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It takes 5.6 years on average to save a 20% deposit, according to recent PropTrack data.⁣
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But why wait that long if you don't need to? Here are 4 ways you could save up a deposit sooner.⁣
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✅ Pay LMI: some lenders accept a 5% deposit if you pay lenders mortgage insurance (LMI).⁣
✅ Get a guarantor: can a close relative guarantee your loan? It could let you buy with a 5% deposit and no LMI.⁣
✅ The First Home Guarantee scheme: the government guarantees your loan, so you can buy with a 5% deposit and zero LMI.⁣
✅ Use your super account: fast-track your savings by making use of the First Home Super Saver Scheme.⁣
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Call us to know which pathway could work for you. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

09/12/2024

🤳 TikTok vs talking to your broker 🤳⁣
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TikTok and Instagram Reels are fun, fast and free.⁣
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But if you’re looking for help with your home loan it's important not to just take information you discover during a random scroll as gospel.⁣
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Try to stick with posts from a licensed Australian mortgage broker. 👍⁣
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We have strict rules to follow on social media.⁣
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But you obviously can't control what's fed to you by the algorithms. ⁣
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So if you do come across financial content created by people based outside Australia, just know that in many countries the rules are far less rigid, different, or non-existent at all.⁣
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If you're ever in doubt about what you've seen, pick up the phone and give us a call.⁣
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Sure, we’d (probably) lose in a dance-off against your average TikTok creator. 😅⁣
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But we can provide you with home loan information tailored to your situation. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

04/12/2024

🤔 Is now a good time to buy? 🤔⁣
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One-in-three people don't think so, according to PropTrack research (which means about two-in-three do). 😅⁣
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If you're in that one-in-three group: rest assured it’s natural to have doubts - a home is a big commitment after all.⁣
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But uncertainty can mean sitting on the fence much longer than you need to.⁣
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And the longer you delay, the more house prices may rise. 📈⁣
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So how do you know when's the ‘right’ time to buy?⁣
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The short answer is: it's when you’re ready to do so.⁣
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Call us today to find out if you’re home loan-ready - finding out might just give you that extra confidence you need to take the leap. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

02/12/2024

💪 First home owners rewarded with capital gains 💪⁣
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If you’ve purchased a first home recently, you could already be ahead in the capital growth stakes.⁣
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First home buyers often target the more affordable end of the market.⁣
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And CoreLogic says the cheapest 25% of the market saw price growth of 2.7% in the 3-month period to August. 📈⁣
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By comparison, the top 25% saw gains of just 0.3%.⁣
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It goes to show that the sacrifices of saving for a first home can be well rewarded.⁣
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Talk to us today about loan options that can get you started in the market. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

27/11/2024

🏡 The home loan feature 70% of borrowers want 🏡⁣
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Seven out of ten borrowers are opting for a home loan offset account, according to a recent NAB report.⁣
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An offset account can let you put spare cash to work by paying down your home loan sooner.⁣
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How much could your interest payments be reduced by with an offset? 🤔⁣
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Let's say you have $20,000 in your offset account over the life of a 30-year, $400,000 home loan (with an interest rate of 6%).⁣
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You could save more than $87,000 in interest, and reduce your loan term by more than three years, according to Macquarie Bank.⁣
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Contact us to find out if a home loan offset account could be right for you. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

25/11/2024

✅ What to research when buying in a new development ✅⁣
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Searches to ‘buy’ on popular listing sites are up 7% compared to last year, according to PropTrack data. 📈⁣
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But with homes in tight supply, more buyers are looking at new developments.⁣
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If that sounds like you, here's a quick initial checklist to run through.⁣
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✅ Look into the developer’s and builder's track record.⁣
✅ Check out the estate’s masterplan to know what it offers.⁣
✅ How are the transport links?⁣
✅ Will the area have new schools and shops nearby?⁣
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If it all looks like it's stacking up, contact us about finance. ⁣
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We can run you through a range of loan options that are available when you buy/build a new home. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

20/11/2024

😎 Are you auction-ready? 😎⁣
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The spring market is ramping up - and so are sales by auction.⁣
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Over 2,000 homes went under the hammer in late August, with more expected through summer.⁣
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Here’s how to get your auction game on:⁣
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🧐 Research the local market to know what similar homes are selling for⁣
✅ Understand your borrowing power⁣
👍 Have your home loan pre-approved⁣
🔨 Arrange a pre-purchase inspection to avoid unwanted repair bills⁣
🙌 Attend other auctions to get a feel for how they work.⁣
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Call us today to get your finances auction-ready. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

18/11/2024

😮 Where to buy a home with a $50,000 deposit 😮⁣
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Good news if everywhere seems outside your budget.⁣
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Below are a number of suburbs where it’s possible to buy a house or unit with a $50,000 deposit (according to Canstar):⁣
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- Sydney: check out Wiley Park, Jamisontown or Liverpool.⁣
- Melbourne: consider Melton South or Brunswick West.⁣
- Brisbane: head to Kippa-Ring and Bowen Hills.⁣
- Adelaide: consider Evanston, Elizabeth Sound, or Plympton.⁣
- Perth: think units in Belmont or East Perth.⁣
- Hobart: look at Clarendon Vale or Risdon Vale.⁣
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Ask us about the Home Guarantee Scheme too. 🏡⁣
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It can allow first home buyers to buy with just a 5% deposit and no lenders mortgage insurance. ⁣
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Or 2% for single parents. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

13/11/2024

🙌 Home buyers shift strategies, more go solo 🙌⁣
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A whopping 40% of first home buyers purchased a property on their own in the first six months of 2024, according to CommBank data.⁣
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How did they do it? 🤔⁣
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Well, apparently 45% of first home buyers are now using government-funded guarantees to get into the market.⁣
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That means tapping into initiatives like the First Home Guarantee, which requires just a 5% deposit and no lenders mortgage insurance.⁣
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Or 2% for single parents.⁣
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Contact us today to find out how you could get into a place of your own sooner. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

06/11/2024

💪 Landing a home loan if you’re self-employed 💪⁣
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Rightly or wrongly, lenders can see self-employed borrowers as higher risk than employees.⁣
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So it helps to be prepared when applying for a home loan:⁣
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✅ Have evidence you’ve held an ABN for a year or two⁣
✅ Gather proof of income like your latest business activity statements and tax returns⁣
✅ Don’t hide your income (aka cash jobs) as it can reduce borrowing capacity, and⁣
✅ Grow savings to show you can handle home loan repayments.⁣
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If you're struggling to meet any of the above, you could even be eligible for a low-doc home loan designed especially for self-employed borrowers.⁣
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Talk to us for home loan help when you’re your own boss. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

04/11/2024

🙌 Why Aussies return to their broker - again and again 🙌⁣
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Close to 9 out of 10 Australians say they trust their mortgage broker, according to Agile Market Intelligence research.⁣
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In fact, borrowers are almost twice as likely to ‘completely trust’ their broker compared to lenders that home buyers deal with directly.⁣
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Here's what we could help you with during your next home purchase:⁣
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✅ Understanding your borrowing power⁣
✅ Providing you with valuable support and guidance⁣
✅ Streamline the finance process⁣
✅ Understanding affordability, savings and deposit options, and⁣
✅ Settling on your property.⁣
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Contact us today for help buying your first, second or third home. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

Address

Sydney, NSW
2753

Telephone

+61418901934

Website

http://www.orangetreehomeloans.com.au/

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