Steven King - Mortgage and Finance Broker

01/12/2017

Finance Ferret is pleased to announce that Jai Martinkovits has been awarded "Compliance Hero" in the 2017 Connective Excellence Awards.

Further, Finance Ferret itself was a Finalist in the coveted "Best Customer Service" category.

Finance Ferret is very proud to accept this award in the face of some very stiff competition and to be recognised again amongst the best in Australia's mortgage and finance broking industry.

28/09/2017

Every journey begins with a single step!!

Investing. Yes it can be quite daunting but don't let that turn you away. Taking that first step is always the hardest! Don't feel like you have to do it alone.

Find people that are in the position you want to be in or have done what you want to do and learn from them.

What's stopping you?

20/09/2017

You are loyal to your bank, but how loyal is your bank to you?

When was the last time you checked your home loan? Does it still suit your current situation?

The only constant in life is change!

If you want to have a chat get in touch today!

22/08/2017

It's not just a case of signing loan docs and living happily ever after.

Get educated on the process as a whole and look at the bigger picture!

This is an interesting read.

Australia is among the most indebted countries in the world, and if estimates  are to be believed, hundreds of thousands of Australians are on the verge of mortgage stress.

10/08/2017

Unless you've recently reviewed your Budget, you could be haemorrhaging money each week.

A lot of clients I speak to for the first time (especially First Home Buyers) don't have a grip on how much money they are earning after tax and exactly what they are spending it on.
I believe a great place to start understanding this is the ASIC's MoneySmart Budget Planner!

This free budgeting tool is quite a granular and will prompt you to think about areas you may be spending, which you might otherwise forget. Remember through, be honest with yourself when you're completing it.

Once you have a grip on your expenses, look for areas that you can identify savings. For example, if you're buying a $4 coffee each day, that's about $1,500 per year!

You should be able to get to the point where you know how much money you can save each week. It's then about having the discipline to achieve you financial goal.

It's also important to understand exactly how much deposit you require for your property purchase. If you're not quite sure, give me a call on 0403 406 335 and I'll help you to work this out in no time.

19/07/2017

An interesting read! Have you thought about moving to a fixed rate?

ANALYSIS: Millions of Australians are about to find themselves more financially stretched.

13/07/2017

As we hit the tail end of the week on this fine Friday morning I would like to address the 22 minute loan application that all the noise has been about in the media this week.

Sure it's a great tool and I'm sure it will free up time for some people, but on the flip side how many times have you made a purchase online, only for it to arrive at home and it doesn't quite fit, or doesn't look like it did on the model in the photo? That could be essentially what you're doing to your home loan, getting a product that doesn't exactly fit your needs! And let's be honest the right home loan isn't a choice to be taken lightly and can't just packaged up and returned to sender.

With these big decisions it's always of benefit to get a second opinion from a real person who has your best interests at heart!

Hope you all have a great weekend! And also watch out for the guy in the photo, I've heard his work is a bit "ruff"!

09/07/2017

Ah Monday. As everyone gears up to battle another week of winter frosts just a quick reminder not to let it get you down. Be a shark, stay the course!

07/07/2017

A good article with some food for thought if you're thinking of getting in the investment space!

http://www.realestate.com.au/news/brisbane-is-tipped-to-have-the-strongest-property-market-in-australia-in-the-next-few-years/

THINGS may be cooling in southern states but Brisbane’s property market has been tipped to become the strongest in Australia during the next five years.

05/07/2017

At its July meeting, the Reserve Bank of Australia chose to keep the official cash rate on hold at 1.5 per cent. What does this mean for you?

Even though the official cash rate remains unchanged, lenders continue to make interest rate moves. Last month, the big four banks increased rates on interest-only loans and at the same time, cut rates on principal and interest loans, particularly for owner occupiers.

These rate adjustments were designed to encourage borrowers to switch to principal and interest loans to pay down their debt while interest rates are still low. The changes followed an earlier crackdown by the Australian Prudential Regulatory Authority (APRA) with regard to interest-only lending.

The new financial year has arrived and it’s a great time to review your home loan. With so many changes happening, it’s extremely important to check your interest rate and loan features at least every 12 months. We’ll do all the legwork to compare the market and ensure your loan still meets your financial situation and goals. Call us today, we’d love to help!

05/07/2017

Just wanted to say a huge thanks to everyone who has already jumped on and liked my page. If you know anyone that is currently in the market or looking to purchase a property in the near future please share the page with them.

Any suggestions on what you want to see or would like more info on let me know and I'll do my best to get quality content to share with you all!