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06/07/2022

🏡 Home prices have fallen for the first time since early 2020 📉⁣
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National average property prices fell 0.11% in May and then 0.25% in June, dragged down by falls in Sydney, Melbourne and some regional areas.* ⁣
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To put that into perspective though, national house prices increased more than 20% in the 12 months leading up to March. 🤷‍♂️⁣
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So it's no surprise we're starting to see a bit of a correction. ⚖️⁣
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On the plus side, this current plateau period could give first home buyers and upgraders a better chance to get a foothold in their respective markets - especially with all the federal government home buying scheme spots on offer from July 1. 🗓⁣
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Speaking of which, if you're looking to buy, and want to explore your finance options in this changing market, give us a call today. 👋⁣
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To find out more, DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au ⁣
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*REA's PropTrack Home Price Index⁣
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04/07/2022

🏡 Have you started budgeting for more rate rises? 📈⁣
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90% of home owners had already started preparing for a rate rise before the RBA made their first hike in May, according to a survey of 1,072 people in April.* 👨‍👩‍👧‍👧⁣
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Here are some ideas to help budget for more rate rises coming this year: ⁣
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- 47% of people surveyed have reduced their living costs (eg. fewer nights dining out or Uber Eats!),⁣
- 42% have bolstered their savings,⁣
- 38% are making additional repayments now, and ⁣
- 37% have started putting extra money into an offset/redraw account.⁣
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To find out more, DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au
⁣
*Commonwealth Bank survey⁣
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29/06/2022

🏡 What would more RBA rate hikes mean for your budget? 👨‍👩‍👧‍👦⁣
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We've just two rate hikes in a row - the first in 11 years!

And a recent survey suggests 3 in 4 borrowers will need to cut back expenses should there be more.*⁣
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If you're concerned, rest assured there are steps you can take now that might help ease any upcoming mortgage stress.⁣
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Options include refinancing to a longer-term, or locking in a fixed rate now for a little more certainty.⁣
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To explore these options and more, get in touch today.⁣
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DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au
⁣
* Rate City survey of 1000 households⁣
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27/06/2022

🏡 Are you a bit nervous about buying your first home? 😬⁣⁣
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First home buyers are no more likely to fall into financial stress or arrears than other borrowers, despite having higher loan-to-valuation ratios and lower cash buffers.⁣⁣
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That's according to a recent analysis by a Reserve Bank of Australia (RBA) analyst! 🤓⁣⁣
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So if you've been nervous about taking the leap into the property market, come and have a chat with us and we'll help you assess your borrowing power. 💪⁣⁣
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To find out more, DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au
⁣⁣

22/06/2022

💁‍♀️ 3 simple ways to pay off your home loan quicker ✅⁣⁣
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1️⃣ Refinance: when was the last time you refinanced? The interest rate on your home loan might be higher than it could be. 📈⁣⁣
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2️⃣ Make fortnightly repayments: There are 12 months in a year, and 26 fortnights. So by making fortnightly payments you can make an extra month's repayments each year. This can save 3 years and $16,000 in interest on a typical 30-year home loan.⁣⁣
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3️⃣ Offset account: an offset account is a regular transaction account that's linked to your home loan. The advantage is that you only pay interest on the difference between the money in the account and the mortgage.⁣⁣
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If you'd like help with getting the ball rolling on any of the above, we'd be happy to help you out! 😁⁣⁣
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To find out more, DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au
⁣

21/06/2022

🧑‍💻 Getting a loan as a self-employed person can be tricky 😅⁣
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Trust us, we know! And Covid has only made things more complicated. 💁‍♀️⁣
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Thankfully, despite loans becoming tougher to get approved, it’s still possible to get one. ✅⁣
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But you need to know what banks want from you. 👨‍💼⁣
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And that's where we come in. 😁⁣
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Whether you need a loan for a new home, investment property, or your business, we can help you get your paperwork and finances in order.⁣
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To find out more, DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au
⁣

15/06/2022

🔐 Have you heard of a 'rate lock'? 🔏⁣
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When you apply for a fixed rate home loan, a 'rate lock' protects you from interest rate rises from the time of your loan application to unconditional approval and settlement. ✅⁣
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That can be pretty handy right now, as we've seen plenty of fixed rate rises across all major lenders in recent months - and we're expecting more. 😅 ⁣
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If you'd like to find out more about your rate lock and fixed-rate options, get in touch today.⁣
⁣⁣
DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au
⁣

01/06/2022

🛒 Did you know online grocery shopping can help you save money? 💰⁣
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The average Australian shopper could save up to $1369 a year* by doing their grocery shopping online.⁣
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Must be because you spend less time in the choccy isle 🍫, and more time buying just the essentials! 😅⁣
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Speaking of saving money ... Give us a call today to explore some ways we could help you save on your home loan 😉⁣
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DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au
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* ING research⁣
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30/05/2022

🏡 Where would you buy an investment property right now? 🤔⁣
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You don't have to invest in the middle of a capital city. 🌆 Plenty of serious investors around the nation invest in other areas, too, where properties can be more affordable. ✅⁣
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Here are 10 regions property investors currently have their eye on*:⁣
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Bendigo, Shepparton, Geelong, Orange, Wagga Wagga, Greater Adelaide, Greater Hobart, Western Sydney, Townsville, Toowoomba.⁣
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To find out more about your borrowing power when it comes to an investment property, get in touch today.⁣
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DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au
⁣
*Buyers agency InvestorKit analysis⁣
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25/05/2022

🏡 Price caps have been raised for the first home buyer scheme! 🙌⁣
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Have you heard about the government scheme yet? 🤔⁣
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It allows eligible first home buyers to buy their first home with just a 5% deposit and pay no lenders’ mortgage insurance (LMI).⁣
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That can fast track a purchase by 4 years, and save you anywhere between $4,000 and $35,000 in LMI. 😮⁣
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If you'd like to find out more, get in touch with us before the next round of spots become available on July 1. 😁⁣
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DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au
⁣

23/05/2022

🚚 What one asset would immediately improve your business? 🤔⁣
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A new and improved coffee machine for your cafe? 🚛 Or perhaps a brand new tractor for your farm? 🚜⁣
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Whatever you have your eye on, know that you can now immediately write off any eligible depreciable asset, at any cost, up until 30 June.⁣
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It's called 'temporary full expensing', and it's to help businesses like yours improve cash flow.⁣
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Speak to us about your funding options to purchase an asset under the scheme today. 😀⁣
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To find out more, DM us or contact Ease My Loans on:

📞 1300 396 641
💻 [email protected]
🖥 www.easemyloans.com.au
⁣

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https://easemyloans.com.au/

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