News

We simplify the process of an investment property home loan

May 18, 2022
Get ahead of your home loan repayments

May 18, 2022
May interest rate and home loan trends

May 14, 2022
12 Month Low in Australian House Prices

May 14, 2022
Minimise the impact of interest rate increase

May 3, 2022
April 2022 Property, Interest Rate & Home Loan Update

April 5, 2022
How To Prepare For Your First Home Purchase

March 27, 2022
It’s An Investor’s Market Thanks to Rent Increase

March 27, 2022
Update: Property Prices (CoreLogic)

February 15, 2022
Update on Interest Rates & Home Loans

February 15, 2022

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Are you ready for multiple rate rises this year? A

Are you ready for multiple rate rises this year?
According to APRA, 280,000 out of 1 million Australians have borrowed six or more times their income in the last two years, and/or have loan-to-value ratios of more than 90 per cent.

If there are consecutive rate rises, these are the borrowers that will be most at risk. ⚠️

Contact our financial advisory team to see what can be done to minimise the impact of rate rises on your home loan. ⬆️

📷 @raywhite.woollahrapaddington #repost
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#APS #APSAdvisoryGroup #sydneymortgagebroker #propertymarket #australianpropertymarket #australianproperty #propertyinvestment #homeloanspecialist #sydneyhomeloans #APRA #interestrates #interestrate

Owning an investment property can be very profitab

Owning an investment property can be very profitable, especially in the long term. 💰⬆️
Before purchasing an investment property, have a confident understanding of the type of property (house, apartment) you want to buy, the location, how much you want to spend, how much you can afford, the loan structure that works for you, the expected rental return, and the amount you can comfortably contribute yourself. 🧾📝

Contact our team so we can look at your borrowing options. 🤳

📷 @realestateaus
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#APS #APSAdvisoryGroup #sydneymortgagebroker #propertymarket #australianpropertymarket #australianproperty #propertyinvestment #homeloanspecialist #sydneyhomeloans

Home loan approvals are getting tougher and tighte

Home loan approvals are getting tougher and tighter. You want a mortgage broker who has a very clear understanding of your needs and goals.
A mortgage broker who can work out exactly what you can afford to borrow and find a number of options to suit your situation.

Contact our team of financial experts today and we’ll give you end-to-end support on your home loan journey: apsadvisorygroup.com.au/contact-us
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#APS #APSAdvisoryGroup #sydneymortgagebroker #propertymarket #australianpropertymarket #australianproperty #propertyinvestment #homeloanspecialist #sydneyhomeloans

Sydney house prices now cost double the amount of

Sydney house prices now cost double the amount of unit prices. 🤯
For example, in Vaucluse the median house price is 8,175,000 compared to $1,500,000 for a unit, a $6,675,000 difference. House prices here are more than 5 times the amount of unit prices. 🙈

The gap is expected to narrow with a sharp decline in house prices expected after the property boom. 🏠🏢

📷 @raywhite.woollahrapaddington #repost
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#APS #APSAdvisoryGroup #parramattamortgagebroker #propertymarket #australianpropertymarket #australianproperty #propertyinvestment #homeloanspecialist #sydneyproperty #sydneypropertymarket

With more rate rises expected this year, it is bes

With more rate rises expected this year, it is best to get ahead of your repayments while you can. It’s not always better to opt for a fixed rate home loan. 🤔

If financially able, stay ahead by making additional payments on a variable rate home loan or set up an offset account to reduce interest repayments, which will save you heaps of money in the long term. 💰

Contact us today for free home loan advice. 🤳
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#APS #APSAdvisoryGroup #mortgagebroker #homeloan #financialadvisor #sydneymortgagebroker #sydneyfinancialadvisors #sydneyhomeloans #sydneyhomeloan #interestrates #interestrate #fixedrate #variablerate #cashrate

The top and bottom suburbs for median house price

The top and bottom suburbs for median house price growth in #Sydney:

TOP ⬆️
Barden Ridge - $1,553,000 - 57.7%
Terrigal - $1,465,000 - 52.6%
Palm Beach - $6,050,000 - 50.2%

BOTTOM ⬇️
North Parramatta - $1,100,000 - 6%
Dulwich Hill - $1,905,000 - 6.3%
Catherine Field - $730,000 - 7.4%

Source: Domain House Price Report, March quarter 2022.

Contact us for a free consultation. We can estimate the amount you can borrow, in relation to your financial situation: https://apsadvisorygroup.com.au/contact-us/ 🤳

📷 @stoneterrigal #repost
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#APS #APSAdvisoryGroup #parramattamortgagebroker #propertymarket #australianpropertymarket #australianproperty #propertyinvestment #homeloanspecialist

Receive up to $6,000 by swapping lenders on your c

Receive up to $6,000 by swapping lenders on your current home loan. 💰
We have developed a great relationship with a variety of lenders. If you’re looking at refinancing your current loan, there are a number of lenders offering sign-up incentives such as cashback offers, a better interest rate, and little to no loan fees simply by switching from your current lender. 🔀

Contact us today to discuss your refinance home loan options: https://apsadvisorygroup.com.au/contact-us/ 🤳

📷 @ppdre #repost
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#APS #APSAdvisoryGroup #parramattamortgagebroker #propertymarket #australianpropertymarket #australianproperty #propertyinvestment #homeloanspecialist #cashbackoffers #refinance #refinancemortgage

Why you should get your home loan pre-approved (or

Why you should get your home loan pre-approved (or conditionally approved)? 🤷
It shows the seller that you’re more than ready to purchase a home. You’ll also be a few steps ahead in the home loan process as soon as you find your dream home. 🏡✅

If you are in the market looking to purchase a property, contact us at our link in bio today so we can start your loan pre-approval process. 🤳
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#APS #APSAdvisoryGroup #parramattamortgagebroker #propertymarket #australianpropertymarket #australianproperty #propertyinvestment #homeloanspecialist #preapproval #homeloanpreapproval

Who will you pick? 🤔 What each party is offerin

Who will you pick? 🤔 What each party is offering first-home buyers this federal election: 🗳

LIBERAL - The Liberal Party policy allows homebuyers to make a down payment of only 5% rather than 20%. The government will substitute the remaining amount of the deposit, waiving mortgage insurance of $30,000 (for a $600,000 loan) under the scheme. The catch? The remaining 95% still needed to be paid off.

LABOR - With Labor’s help-to-buy scheme, the government would pay for up to 30% of the property for an existing house and 40% for a new dwelling, leaving borrowers with much less of the remaining property value to pay off. The catch? The government owns up to 30% or 40% of the home.

📷 @ianniproperty #repost
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#APS #APSAdvisoryGroup #parramattamortgagebroker #propertymarket #australianpropertymarket #australianproperty #propertyinvestment #homeloanspecialist #firsthomebuyer #federalelection

Melbourne house prices fell 0.7% to a median $1.09

Melbourne house prices fell 0.7% to a median $1.092 million (first time since June quarter 2029), and unit prices fell 2.2% to a median of $578,775 (first fall since 2017) in the March quarter.

Source: @domain.com.au House Price Report

📷 @garypeer #repost
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#APS #APSAdvisoryGroup #sydneymortgagebroker #sydneypropertymarket #australianpropertymarket #australianproperty #homeloanspecialist #sydneyhomeloans #Melbourne #houseprices #caulfieldnorth

What’s going on now that the @reservebankau’s

What’s going on now that the @reservebankau’s cash rate has officially increased by 0.25% - the first increase in 11 years to 0.35%? 🤔

- Major banks - Commonwealth Bank, ANZ, Westpac will raise variable mortgage rate by 0.25% thanks to RBA rate hike.
- There are variable rate home loan rates available at around the 2% mark.
- 1-year fixed rates are now nudging 3%.
- Two and three year fixed loans are around the 4% interest rate mark.
- Five year fixed loans are around the 5% interest rate mark.
- Refinance cashback offers of up to $6,000 are on offer if you wish to switch lenders.

Please note: rate estimates are based on owner-occupier loan with a maximum 80% LVR (loan-to-value) ratio.
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#APS #APSAdvisoryGroup #mortgagebroker #homeloan #financialadvisor #sydneymortgagebroker #sydneyfinancialadvisors #sydneyhomeloans #sydneyhomeloan #interestrates #interestrate #RBA #fixedrate #variablerate #cashrate

From our years of experience in the industry, we h

From our years of experience in the industry, we have access to a wide range of loan options, giving us a bigger scope to find the best home loan suitable to you. 🏡✔️

Contact our team today at our link in bio for a free consultation. 🤳

📷 @mcgrathcentralcoast #repost
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#APS #APSAdvisoryGroup #sydneymortgagebroker #sydneypropertymarket #australianpropertymarket #australianproperty #homeloanspecialist #refinancemortgage #sydneyhomeloans #copacabana

Is it worth refinancing? 🤔 If you haven’t re

Is it worth refinancing? 🤔
If you haven’t refinanced in years then you may be on a high rate. If your interest rate starts with a '3' or a '4' then you'll likely be able to start saving money from day one by switching. 🔀

Contact us at our link in bio and save hundreds of dollars each month by switching lenders on your current home loan. 🤳

📷 @koreshirepartners #repost
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#APS #APSAdvisoryGroup #sydneymortgagebroker #sydneypropertymarket #australianpropertymarket #australianproperty #homeloanspecialist #refinancemortgage #refinance #bardenridge

You can save time & money by getting your home loa

You can save time & money by getting your home loan processed and approved through APS.

The initial stages of applying for a home loan require a huge amount of time and effort. You also want to save yourself from the financial stress that comes with choosing the wrong mortgage provider.

Contact our team for a streamlined home loan approval process. We will also get to choose the right provider for you, from our relationship with a wide variety of lenders! 🤳
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#APS #APSAdvisoryGroup #mortgagebroker #homeloan #financialadvisor #sydneymortgagebroker #sydneyfinancialadvisors #sydneyhomeloans #sydneyhomeloan #australianproperty

From October 1 the new Regional Home Guarantee wil

From October 1 the new Regional Home Guarantee will help 10,000 people per financial year to buy a property in a regional area with just a 5% deposit.

This program is open to:
- first home buyers
- people who have not owned a home for at least five years
- permanent residents
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#APS #APSAdvisoryGroup #mortgagebroker #homeloan #financialadvisor #sydneymortgagebroker #sydneyfinancialadvisors #sydneyhomeloans #sydneyhomeloan #australianproperty #regionalNSW

Tax benefits on an investment property include: -

Tax benefits on an investment property include:
- claim interest on mortgage
- claim advertising costs
- council rates and land tax
- strata fees
- negative gearing
- depreciation of building

We recommend seeking tax advice from an accredited accountant or tax specialist for more information! ✔️

📷 Cringila in NSW is a great suburb to invest, if you want a great rental return when compared to the cost of the property.
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#APS #APSAdvisoryGroup #mortgagebroker #homeloan #financialadvisor #sydneymortgagebroker #sydneyfinancialadvisors #sydneyhomeloans #sydneyhomeloan #investmentproperties #investmentproperty #taxbenefits

Keen to buy or build a new while trying to sell yo

Keen to buy or build a new while trying to sell your current property? 🤔
Consider a bridging loan, a short-term loan to help finance the purchase or build of a new property. 🌉
Only thing to note is that a bridging loan is usually higher in interest in comparison to a standard home loan. 💲⬆️

To learn more, get a free consultation and email our expert team at APS today: apsadvisorygroup.com.au/contact-us
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#APS #APSAdvisoryGroup #mortgagebroker #homeloan #financialadvisor #sydneymortgagebroker #sydneyfinancialadvisors #sydneyhomeloans #sydneyhomeloan #australianproperty #bridgingloan #bridgingloans #bridginghomeloans

AUSTRALIAN PROPERTY UPDATE Houses in regional Aust

AUSTRALIAN PROPERTY UPDATE
Houses in regional Australia have experienced a massive increase capital growth, and it won’t be slowing down.

Three regional property hotspots investors need to watch:
- Tamworth (NSW)
- City of Brimbank (VIC)
- Ipswich (QLD)

Source: @ninecomau
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#APS #APSAdvisoryGroup #mortgagebroker #homeloan #financialadvisor #sydneymortgagebroker #sydneyfinancialadvisors #sydneyhomeloans #sydneyhomeloan #australianproperty

Everyone is talking (or worried) about the interes

Everyone is talking (or worried) about the interest-rate hikes! Here are some things you can do now to help lower the impact of having to pay a significant amount more for your home loan each month:
- consider an offset account alongside your home loan.
- carefully consider going for a fixed rate, as they will continue to go up.
- consider shifting from a major bank to a non-major lender for more competitive rates

Contact us today to discuss your options! 🤳

📷 @house.society #repost
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#APS #APSAdvisoryGroup #mortgagebroker #homeloan #financialadvisor #sydneymortgagebroker #sydneyfinancialadvisors #sydneyhomeloans #sydneyhomeloan #interestrates #interiordesign #homestyling

Tired of looking for the right home loan? 😩 Let

Tired of looking for the right home loan? 😩
Let us do the work for you. Our team of mortgage brokers have years of experience in property finance, confident borrowing skills, and over the years, developed strong relationships with members from the big four banks and non-major lenders. 👌

Email us for a free consultation and home loan review. Terms and conditions apply. 🤳

📷 @puppies.n.pinot #repost
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#APS #APSAdvisoryGroup #mortgagebroker #homeloan #financialadvisor #sydneymortgagebroker #sydneyfinancialadvisors #sydneyhomeloans #sydneyhomeloan