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Borrow Wise Loans Home Loan I Refinance I Land Loan I Construction Loan I Equity Cashout

🤔 What happened to the predicted 2024 rate cuts? 🤔Interest rates don’t look like heading south any time soon. 🙃It’s all ...
10/07/2024

🤔 What happened to the predicted 2024 rate cuts? 🤔

Interest rates don’t look like heading south any time soon. 🙃

It’s all thanks to inflation, which is sitting stubbornly just above the Reserve Bank’s target range of 2-3%*.

Chances are we won’t see any cash rate cuts for home loans until at least early 2025 (and some pundits are now saying a hike might now come before a cut). 😤

But don’t let that stop you from taking action of your own. 👍

We’re still seeing a big difference in rates across lenders.

Better still, rising property values may mean you’re in a great position to refinance. 👇

To find out more, DM us or contact us on:

☎ – 0424 553 923
💻 – [email protected]

🧐 What does buying a home ‘subject to finance’ mean? 🧐Seen a place you love but not sure if you’ll get a home loan? 🤔Mak...
08/07/2024

🧐 What does buying a home ‘subject to finance’ mean? 🧐

Seen a place you love but not sure if you’ll get a home loan? 🤔

Making an offer ‘subject to finance’ can buy valuable breathing space. 👍

It means you could walk away from a purchase with your deposit intact if you can’t land a home loan.

The catch? 🎣

The seller doesn’t have to go along with a sale that’s subject to finance - and there's a reasonable chance they won't if you're buying in a seller's market. 🙃

Another option you can consider is lining up home loan pre-approval before making an offer on a property. 🙌

If you'd like to find out more about pre-approval, call us today. 👇

To find out more, DM us or contact us on:

☎ – 0424 553 923
💻 – [email protected]

🚙 What are the most popular cars to buy right now? 🚙🛻 Ford Ranger remained king of the road in May with 5,912 sales, fol...
03/07/2024

🚙 What are the most popular cars to buy right now? 🚙

🛻 Ford Ranger remained king of the road in May with 5,912 sales, followed closely by the Toyota HiLux (5,702) and Toyota RAV4 (5,517), according to FCAI statistics.

🚗 Toyota was market leader in May with 23,389 sales, followed by Ford (8,806), Mazda (8,002), Kia (7,504) and Hyundai (6,495).

🔋 Almost one-in-four cars sold in May was either an electric vehicle (8.1% of sales) or hybrid vehicle (15.8%)

Itching for a new car but not quite sure how to fund the purchase?

Call us today to discuss your vehicle finance options. 👇

To find out more, DM us or contact us on:

☎ – 0424 553 923
💻 – [email protected]

🚩 Five red flags home buyers might want to avoid 🚩Looking to buy a home? 🏡Here are five red flags that might catch a len...
01/07/2024

🚩 Five red flags home buyers might want to avoid 🚩

Looking to buy a home? 🏡

Here are five red flags that might catch a lender's attention and see you knocked back from your next home loan application. 😤

💻 Job hopping – lenders love stability. Sometimes it's safer to stick with your current job.
💳 Card churning – frequently switching and applying for credit cards can damage your credit score.
🙃 Running late with repayments – this will likely show up on your credit record.
💸 Unpaid debts – no surprise that this won’t go down well with a lender.
📝 Making multiple home loan applications – questions will be asked. Like whether (and why) you’ve been turned down by other banks.

Call us for help on getting your next home loan application across the line. 👇

To find out more, DM us or contact us on:

☎ – 0424 553 923
💻 – [email protected]

🙌 Mortgage brokers have done it again! 🙌⁣⁣⁣⁣We’ve just notched up another industry win, setting a new record for market ...
26/06/2024

🙌 Mortgage brokers have done it again! 🙌⁣⁣
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We’ve just notched up another industry win, setting a new record for market share. 😮⁣⁣
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72% of Aussies now turn to a mortgage broker for help landing a home loan (MFAA stats).⁣⁣
⁣⁣
Makes sense (to us at least!). Because as your broker, our job is to help you:⁣⁣
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✅ Potentially save with a competitive rate⁣⁣
✅ Enjoy better loan features⁣⁣
✅ Buy your home or investment property with confidence knowing a broker is on your side.⁣⁣
⁣⁣
So if you're looking for a home loan specialist, call us today and we'll help you find a loan that suits your needs. 👇⁣⁣
⁣⁣
To find out more, DM us or contact us on:

☎ – 0424 553 923
💻 – [email protected]

🔨 How do construction loans work? 🔨⁣⁣⁣⁣Instead of receiving a lump sum from the lender, a construction loan drip feeds f...
24/06/2024

🔨 How do construction loans work? 🔨⁣⁣
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Instead of receiving a lump sum from the lender, a construction loan drip feeds funds in line with various stages of the project, including:⁣⁣
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✅ Laying the slab⁣⁣
✅ Erecting the frame⁣⁣
✅ Reaching lock-up⁣⁣
✅ Fitting out your home⁣⁣
✅ Completion of construction.⁣⁣
⁣⁣
This arrangement offers some valuable advantages. 😁⁣⁣
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Loan interest is only calculated on the funds drawn down, not on the total value of the loan. And during the construction period, you’ll generally be asked to make interest-only payments.⁣⁣
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Once your new home or renovation is complete, your construction loan will typically roll into a regular home loan. 🏡⁣⁣
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So if you’re looking to build or renovate, talk to us today about your funding options and we’ll aim to help you get the ball rolling on your construction project sooner. 👇⁣⁣
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To find out more, DM us or contact us on:

☎ – 0424 553 923
💻 – [email protected]

🦅 Lending to property investors is soaring once more 🦅⁣⁣⁣⁣The value of new investment loans in February 2024 was 21.5% c...
19/06/2024

🦅 Lending to property investors is soaring once more 🦅⁣⁣
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The value of new investment loans in February 2024 was 21.5% compared to a year ago, according to ABS data. ⁣⁣
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What’s driving investor interest? 🤔⁣⁣
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✅ Vacancy rates at a record low 0.7% (Domain data)⁣⁣
✅ Expetions of a possible rate cut later this year⁣⁣
✅ A jump in listings giving investors more choice (SQM research).⁣⁣
✅ Potential tax savings of negative gearing (seek your accountant/financial planner's advice).⁣⁣
⁣⁣
Ready to become a property investor yourself?⁣⁣
⁣⁣
Talk to us today about the investment loan that matches your needs. 👇⁣⁣
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To find out more, DM us or contact us on:

☎ – 0424 553 923
💻 – [email protected]

💪 How does your home loan rate shape up? 💪⁣⁣⁣⁣Your home loan may have had a red hot rate back in the day. 🙌⁣⁣⁣⁣But is it...
17/06/2024

💪 How does your home loan rate shape up? 💪⁣⁣
⁣⁣
Your home loan may have had a red hot rate back in the day. 🙌⁣⁣
⁣⁣
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 us on:

☎ – 0424 553 923
💻 – [email protected]

⏳ How long does it really take to get a home loan? ⏳⁣⁣As soon as you pay a deposit on a home, the clock is ticking to li...
12/06/2024

⏳ How long does it really take to get a home loan? ⏳⁣
⁣
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 us on:

☎ – 0424 553 923
💻 – [email protected]

🤨 Is FOMO, FOBO or FOOP clouding your judgement? 🤨⁣⁣Three common mind traps can get between you and your property goals....
10/06/2024

🤨 Is FOMO, FOBO or FOOP clouding your judgement? 🤨⁣
⁣
Three common mind traps can get between you and your property goals. 🏡⁣
⁣
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 us on:

☎ – 0424 553 923
💻 – [email protected]

🏡⁣ Home owners now have an extra $71,000 in equity (on average) 🏡⁣⁣⁣CoreLogic's home value index has skyrocketed $71,832...
05/06/2024

🏡⁣ 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. 👇⁣
⁣
To find out more, DM us or contact us on:

☎ – 0424 553 923
💻 – [email protected]

🏘 Millennials: Australia’s most active property investors 🏘⁣⁣⁣⁣New CommBank data shows Millennials (born 1981 - 1996) ac...
03/06/2024

🏘 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 us on:

☎ – 0424 553 923
💻 – [email protected]

Address

Govetts Street The Ponds
Sydney, NSW
2769

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 6pm
Sunday 9am - 1pm

Telephone

+61424553923

Website

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