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Lending Gurus

Home
Australia
Truganina, VIC
Lending Gurus

At Lending Gurus, we bring you home. We help our clients to achieve their Financial Goals.

Whether it's their First home, Investment or buying their dream car, we put our expertise and knowledge together to help them achieve their GOALS. Home loans, Personal loans, FHB, Refinancing, Investment loans, Construction loans, Car loans, Asset finance, Commercial/business loans

Get started: https://applynow.finance/30220/lending-gurus/5a49efc8-bf02-4c13-ac61-30f71012e21a #/

10/09/2025

🏡 How to make an offer on a home 🏡⁣
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Making an offer isn’t as easy as reaching for your wallet.⁣
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Talk to us first to find out your borrowing power and set a buying budget. 💪⁣
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Next, research the market to get a feel for local property values. 🏘️⁣
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Even if you think the property is fairly priced, you can always try for a discount.⁣
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CoreLogic says the current median discount is about 3.4%. That could potentially save you a bit of money on the final purchase price.⁣
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Put any offers in writing to show you’re a serious buyer. 📝⁣
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Contact us to find out how we can help streamline your home-buying journey. 👇⁣
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To find out more, DM us or contact Park Lane Lending on:

☎️ – 0414 398 321
💻 – [email protected]

30/07/2025

👍 The pros and cons of interest-only home loans 👎⁣
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You may have seen that one lender recently launched a 10-year interest-only home loan for eligible borrowers.⁣
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So what's that all about? 🤔⁣
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Paying interest-only could lower your monthly repayments. So it can be handy if your budget is tight. 👍⁣
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The catch is that you don’t make inroads into the loan balance during that time.⁣
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You could even end up paying more in interest over the life of the loan compared to principal and interest repayments.⁣
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But if property values go up over the loan term, potentially so does your equity in the property (but vice versa if values go down!).⁣
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Not sure which way to go?⁣
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Get in touch and we can run you through your options. 👇⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

28/07/2025

🤔 Could your credit card impact your home-buying plans? 🤔⁣
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Your credit card may be small in size. ⁣
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But it could still have a big impact on your home buying plans if you have one, or multiple, credit cards with a high credit limit.⁣
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That's because when lenders assess your borrowing power they tend to look at your credit card limit – not the current card balance.⁣
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The bigger the credit limit, the bigger the potential impact on the amount that you can borrow. 😅⁣
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And that applies for each credit card you or your partner have open - even if the amount you owe is $0.⁣
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So what could you do? 🧐⁣
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Well, if you’re not planning to use your card’s full limit, you could consider lowering it (or even closing the account completely).⁣
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This could increase your borrowing power and potentially get you over the line for the home loan of your choice. 👍⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

23/07/2025

😮 The average Australian home now costs $1 million 😮⁣
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The average home price nationally has passed the $1 million mark for the first time, according to ABS statistics.⁣
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A big driver of the recent price growth is the latest rate cuts – plus expectations of more to come, according to CoreLogic.⁣
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And it may not end there. ⁣
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Experts at PropTrack say tight housing supply and population growth could push prices higher. 📈⁣
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And they add that some buyers have accelerated their purchase decisions as a result.⁣
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That’s because buying today could mean paying less compared to holding out and waiting to see if prices fall (and then end up not doing so).⁣
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Talk to us to find out if you've got the borrowing power for your next (or first) home purchase. 💪⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

21/07/2025

📈 What’s behind the recent surge in property investors? 📈⁣
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New investor loans are close to highs not seen in nearly a decade, according to PropTrack.⁣
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Rents are rising and are expected to keep growing. ⁣
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Prospects for capital gains are positive, too. 🏡⁣
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A NAB survey shows property values are expected to rise 2.3% nationally over the next year.⁣
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That’s followed by expected gains of 3.1% the year after.⁣
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Add in the prospect of further rate cuts in 2025, and that's a lot for investors to look forward to.⁣
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Not sure if you're ready to become a property investor?⁣
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Call us today and we'll help you crunch the numbers. 👇⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

16/07/2025

🏡 Home owners opt to leave repayment amounts unchanged after rate cut 🏡⁣
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Here's an interesting stat that caught our eye.⁣
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The Commonwealth Bank (which accounts for 1 in 4 Australian home loans) says only 14% of its variable rate customers reduced their minimum monthly repayment amount following the February 2025 rate cut.⁣
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The majority simply stayed with their old repayment amount. 🧐⁣
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Sure, these stats are from just one lender. And other lenders automatically decrease your minimum monthly repayment amount in line with their rate cuts.⁣
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But if your finances can handle it, leaving your repayment amount unchanged following a rate cut could be one way to pay more off your loan each month. 👍⁣
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Over time, those additional payments can have a decent impact on the total amount of interest you pay over the life of your loan, and help you pay off your loan sooner.⁣
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Call us to know how much you could save by leaving your repayments on hold when rates fall. 👇⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

14/07/2025

🏚️ 4 in 5 homeowners are apparently skipping home maintenance 🏚️⁣
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They say home is where the heart is, but it seems many aren't putting their heart into their home. ⁣
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84% of homeowners are falling behind on their home maintenance, according to Allianz. 😮⁣
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Here are 3 key areas they recommend home owners focus on:⁣
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1. Regularly check flexi hoses to avoid water damage.⁣
2. Clear debris from your roof and gutters to prevent drainage issues⁣
3. Check the bathroom for signs of leaks.⁣
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Short on funds to carry out maintenance?⁣
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Your home equity could be one potential source. Get in touch to find out whether it could help keep your home in shape. 👇⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

09/07/2025

🏠 Home lending jumps as first home buyers return 🏠⁣
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First home buyers are making a welcome return to the property market, with NAB reporting a 16% jump in lending to first home buyers since February.⁣
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There are several reasons why more people are bringing forward their plans to buy.⁣
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Interest rates are being tipped by many economists to fall further. 📉⁣
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CoreLogic says more homes have also come onto the market, and prices are expected to keep rising. 📈⁣
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Add in the 5% deposit Home Guarantee Scheme, and the stars may have aligned for many first home buyers.⁣
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Get in touch to see if the time is right for you to buy a place of your own. 👇⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

07/07/2025

☀️ Do energy-efficient homes sell for more? ☀️⁣
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With power bills on the rise in recent years, it seems that more home buyers are looking for properties that help them save on energy costs, according to Domain.⁣
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And they’re usually willing to pay more for energy-efficient homes.⁣
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The ‘green premium’ is as high as $118,000 extra on average for houses and $75,000 for apartments. 😮⁣
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The Domain report shows solar power, passive design elements (like insulation) and double-glazed windows are the most sought-after green features.⁣
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Whatever eco-features you decide on, talk to us about funding options.⁣
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From a loan top-up to ‘green’ loans or even refinancing to access home equity, we can suggest solutions that could help improve your home’s liveability and potentially its value. 👇⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

02/07/2025

🧐 1 in 2 borrowers don’t know their home loan rate 🧐⁣
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New research shows more than half Aussie home owners with a mortgage are in the dark about their loan rate, according to Finder.⁣
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But ignorance isn’t necessarily bliss when it comes to a home loan. 🙃⁣
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Mortgage repayments could be your biggest household expense.⁣
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So, unless you know the interest rate you’re currently paying, it’s almost impossible to be confident you aren’t paying too much.⁣
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Call us today to get to know your loan rate. ⁣
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We can explain if you could potentially save on interest with a more competitively-priced loan. 👇⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

30/06/2025

🏡 4 factors to consider when jumping into property investing 🏡⁣
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Whether you're taking your first step towards building your property portfolio or your fifth, being prepared is key.⁣
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Here are four factors you may want to consider. 🤔⁣
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1. Build a trusted team around you, including an accountant and mortgage broker (that's us!).⁣
2. Keep your eye on current market trends.⁣
3. Be prepared to go borderless with investing opportunities across the country.⁣
4. Focus on data-driven decisions (trust your head more so than your heart)⁣
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To find out whether you can access finance to start your property investing journey, get in touch today. 👇⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

25/06/2025

🏠 The pros and cons of buying with a 5% deposit 🏠⁣
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Buying with a 5% deposit can help you fast-track home ownership and potentially beat rising property values. 📈⁣
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And, if you’re eligible for the 5% deposit First Home Guarantee scheme, you don’t have to pay lenders mortgage insurance.⁣
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But there are downsides to weigh up. ⚖️⁣
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A low deposit could mean a bigger mortgage and higher repayments.⁣
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It could also be harder to refinance your loan until you’ve built up home equity (aka putting you in mortgage prison)⁣
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So it pays to choose your home loan with care. ⁣
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Talk to us about finding the mortgage that matches your needs. 👇⁣
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To find out more, DM us or contact Lending Gurus on:

☎️ – 0483 211 735
💻 – [email protected]

Address

1/27 Tallis Circuit
Truganina, VIC
3029

Opening Hours

Monday	9:30am - 5:30am
Tuesday	9am - 5:30am
Wednesday	9:30am - 5:30am
Thursday	9am - 5:30am
Friday	9am - 5:30am

Website

http://www.lendinggurus.com.au/

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