Urban Broker Pty Ltd

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Helping connect people to their dream properties & assets.

It’s been forever since my last Facebook post ..Yes, my hair is much longer than you all remember from the banking days ...
21/12/2023

It’s been forever since my last Facebook post ..

Yes, my hair is much longer than you all remember from the banking days 😅😂 ..

So ..

We make consistently better decisions (including financial ones) from being consistently emotionally regulated ..

Super excited to be launching this special 6-week Men’s Circle starting mid January 2024 with Corrine Jade @ The Landing Space - NSW Central Coast NSW✨

Men - if you’re wanting to learn some different ways to better relate with your significant person, increase your emotional intelligence, improve your ability to emotionally regulate - and learn how to release trauma (that is keeping you stuck / stifled / or in toxic patterns in relationships) - register your interest 👋

Women - share with a man you feel may benefit from this 🙏🏻

📫 Message me directly to register your interest.

💥 National workshops coming soon ..

Big love 🩵 ANTHONY

Were you watching, & are you ready ?Did you know, while you may have been distracted … fixed interest rates went up over...
16/12/2021

Were you watching, & are you ready ?

Did you know, while you may have been distracted … fixed interest rates went up over a whole 1% this year ? 🤯

This time last year, a 4-year fixed rate was 1.94%pa with Australia’s biggest bank, CBA … Effective today, the CBA 4-year fixed rate is 3.34%pa.

That’s an increase 📈 of 1.40%pa this year.

Were you watching ?

That would be like the Australian Reserve Bank lifting interest rates every 2-months, with banks/lenders passing +0.25%pa increase each time.

So, would you have felt that 💸😰?

For a home loan of $1m, you’d need to find an extra $735 per/month. Could you ?

Question is - what to do now …

Fix some, fix all, refinance totally ?

One idea is make the equivalent repayment as if your % rate increased … so while your variable rate hasn’t moved much (may have even reduced recently) act as if it’s increased …

So pay the extra $735 per/month NOW.

Assuming your variable rate is 2.60%pa (average) on a $1m loan, this should generate approx $30k in buffer-extra repayments after 3-years … the buffer may be used as “redraw” which you might need for some life events, or budget protection 🛡…

Long term, if you can sustain the extra repayment, then you’ll pay off the loan much faster & save $ lots (those that know me know I don’t hang numbers on 25-30 year predictions) … but a lot of money.

Summary: low variable rate now? Make hay while the sun shines.

📲 ☀️

Ordered 2x shakes for my kids today.Mango, chia, honey, scoop of protein 🤤.But … the drinks weren’t what I ordered. I go...
21/09/2021

Ordered 2x shakes for my kids today.

Mango, chia, honey, scoop of protein 🤤.

But … the drinks weren’t what I ordered. I got 2x blueberry-banana smoothies.

I didn’t want to make a scene. My people pleasing muscle felt to flex, to say “no it’s OK” to the girl that made them.

So I flexed my people pleaser & said exactly that “ .. no it’s OK, I’ll see if the kids like them” 😬 … I knew they wouldn’t.

They didn’t like it.

What am I going to do?

Felt like a waste to just bin them. I had a sip, AMAZING. But I was wasn’t hungry.

Pretty awkward to give away 1 of the drinks, not touched - open cup / straw. Who’s going to take a drink from a stranger, esp in the current environment?

So they went in the bin.

I went back & re-ordered. They offered to make them at no cost as they knew it was a mistake.

I asked instead they put the money in the till & pay it forward.

As I waited for my new drinks, a lady approached me & asked “did you just buy my drink / that is so nice, thank you”.

I then felt awkward. I hope she didn’t think I was hitting on her. I mean she was attractive. But still, I wasn’t then expecting to be called-out on being the buyer of the pay-it-forward drinks.

So I left without the kids drinks.

Just kidding (are you still reading) …

I left with the new drinks, feeling like I did a nice thing for someone else. It also felt great not to make someone else feel bad for making a mistake.

Because it’s OK that people make mistakes. We are always learning, & the work never stops.

📸 my daughter of me.

In the distance is “Big Red” … a buoy which sits about 450m or so from shore. It’s a nice swim.

When you swim out there, your mind plays tricks on the way …. especially when doing it solo. You see tails & shapes. You feel currents that pull you & that scare you. You then remember that you’ll be OK.

You get to think about a lot of things out there.

One thing I’ve realised … 2020 was a big year for a lot of us. I now think it was actually a huge light - which is shining deeply into all of us, into all of our dark places. Testing us.

It’s always a good time to be a good human being.

☀️🌊 ~

Did you know Deer 🦌 grow & shed their antlers every year ?To be strong & get stronger requires vulnerability. As well as...
09/09/2021

Did you know Deer 🦌 grow & shed their antlers every year ?

To be strong & get stronger requires vulnerability. As well as nutrients & energy.

What a parallel to being human.

I hope more people may use this added time during LD to examine with honesty what their traumas are, their triggers, vices/addictions … what their values are, what fills their cup, & what boundaries may need resetting in their life.

Also, with honesty & softness/politeness - land with who their people are, & who may need to seek excellence elsewhere.

I believe the above “bits” in all of us influence personal relationships & work relationships - as well as our relationship with money & whether or not you are on the path to abundance & prosperity.

I also believe the only electronic thing in your bedroom should be a record player, & not a TV.

Well, major electronic device anyway.

⚡️💽💙.

“ … irreversible changes can be slowed down with rapid, strong & sustained reductions in greenhouse gas emissions”.- Ko ...
09/08/2021

“ … irreversible changes can be slowed down with rapid, strong & sustained reductions in greenhouse gas emissions”.
- Ko Barrett, 2021.

Which lenders support financing for green property improvements ? 🌿 …

📲 .

Please start somewhere 🌱 if everyone thinks the problem is too big, then the problem will just get bigger faster.

Super happy with the Kluger Hybrid, still on its first tank since purchase … 620km with 1/3 tank left 🙌 ⚡️💚.

Loyalty.I did a values exercise recently & actually removed loyalty as a value.Why did I drop loyalty …Why do something,...
16/07/2021

Loyalty.

I did a values exercise recently & actually removed loyalty as a value.

Why did I drop loyalty …

Why do something, or stay with someone, or continue to do business with someone - when your intuition tells you it’s actually not a healthy thing/person/dealing … but you stay, out of loyalty. Obligation. Allegiance.

You wear that badge, because you’re taught loyalty is noble. Sure, it can be. At what cost though?

Our bodies change with how we treat them & fuel them.
Our heart changes when we learn to heal & grow with events that happen in life.
Our mind changes when we are open to asking more questions.
Our circles change when we meet people that are focussed on total well being & act out of integrity.
Our financial freedom changes when we detach emotion & past trauma to money … & treat it as energy - rather than “a thing”.

Our values are no different - they can change - if you allow yourself to get centred & listen to your intuition, & that’s perfectly OK.

So when you have that feeling you’re mixing with someone, or people, that are here for self indulgence or accolades, or they don’t have a genuine interest in your well being … you’re probably right - they’ll show their true colours soon enough.

In my work - same goes. I appreciate your business, I don’t expect it.
Regardless of history. No hard feelings.

For me that’s what I’ve learned recently.

I’ve also learned I eat too quickly, read books far too slowly (still going with one from 2019) & have a tendency to stay up too late listening to music.

How about you - What’s been something you’ve learned recently ?


14/07/2021

Many banks & lenders are offering loan repayment support to impacted industries.

Many people need this support, & if you feel you need guidance on your options - please - reach out 🙏🏻 …

However … there are also many people that take a “repayment holiday” just-because … & this isn’t ideal.

Whatever your reason(s) remember these key points:
Your debt isn’t wiped under these arrangements - your repayments are adjusted short term to help with your cashflow BUT you’ll be paying the debt back eventually & some;
Interest accrues daily, so your debt balance will actually increase if you capitalise repayments;
If you want to re-borrow in the future … Lenders & banks will want to know WHY you needed support & WHAT is in place to make sure you won’t have any issues repaying new debts.

REMEMBER that “open banking” exists between many financial institutions now … so while you might only be asked for 3-6 months of your loan history when you’re applying for finance, they can now look back across all platforms & pickup the smallest of issues like just ONE missed credit card payment (even if the rest of your banking conduct is clear). Big data is here … so you cannot hide.

Again - please reach out if you would like some guidance on what options may exist in your situation.

Houses are flying around.Cars are flying around.Super low cost of borrowing money currently makes it super tempting to b...
31/05/2021

Houses are flying around.
Cars are flying around.

Super low cost of borrowing money currently makes it super tempting to borrow more than you ordinarily “should”.

Avoid online ‘borrowing power’ guides which may get your hopes up (or send you down the path of over committing).

See a Broker (in the flesh / zoom / FaceTime) for an accurate, holistic assessment of what your options really are.

📲.

Spectrum & connection 🌕.Today I spoke with first home buyers that have no idea what they want or need.I spoke with a div...
26/05/2021

Spectrum & connection 🌕.

Today I spoke with first home buyers that have no idea what they want or need.

I spoke with a divorcee that has virtually nothing post-separation, wanting to know what options there are, & if they can re-enter the housing market (along with the roller coaster of emotions that go with that).

I spoke with a pre-retiree about accessing equity for renovations so they can downsize & capitalise their profit.

I spoke with a first time property investor about borrowing power & all things first-finance.

I spoke to a couple about the impacts a pay rise makes to borrowing power, along with the importance of strategic accounting to align within your borrowing goals ... every dollar matters.

I spoke with a high net worth individual that has over $20m net assets, & income streams from 5 companies/trusts in AUD, NZD, & DKK.

I am grateful that I love the complex challenges & variety I have in my job.

I am a believer that each person above is equally deserving of my time - we are all people, no matter the wealth, or where we are on the financial spectrum.

📲 🎢💰🙏🏻.

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Sydney, NSW
2000

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 8pm
Friday 9am - 5pm

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+61427800007

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