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April 25, 2024
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April 18, 2024
Plot twist: Millennials are Australia’s most active property investors

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April 11, 2024
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March 20, 2024
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March 7, 2024
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February 29, 2024
Home buyers rejoice! More listings are hitting the market

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February 22, 2024

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💰 What you need to know about refinancing to ma

💰 What you need to know about refinancing to make it work for you 💰⁣
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When done right, refinancing can help you save thousands in mortgage repayments. 🤑⁣
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A lower interest rate, lower fees, access to equity and the right features can seriously benefit you. ⁣
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But there are some hidden costs you need to be aware of:⁣
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🔴 Fees - mortgage discharge fees, application fees, and possible lenders mortgage insurance (depending on your circumstances) … these costs can add up. ⁣
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🔴 Loan duration - increasing your loan duration can lower your mortgage repayments now and help you out of a jam. But it will lead to paying more in interest over time. ⁣
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Rest assured, we know all the ins and outs of refinancing and can help you avoid any costly pitfalls. ⁣
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To find out more, DM us or contact Harshal at APS Advisory Group on:

☎ – 0422 615 424
💻 – harshal@apsadvisorygroup.com.au
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#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

💪 What can you do to strengthen your borrowing

💪 What can you do to strengthen your borrowing power? 💪⁣
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When mortgage rates rise, your borrowing power can take a downward slide. 🤨⁣
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So prepping your finances to boost your borrowing power is a smooth move if you’re planning to buy. 🏠⁣
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Even when rate rises start to soften, having rock-solid borrowing power puts you in a great place. ⁣
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So, what can you do to make it happen?⁣
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🤑 Boost savings and pay down debt - show the bank you’re money-wise.⁣
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🤑 Increase your income - more money can mean you have more capacity to pay a bigger loan. Time to ask for a raise? ⁣
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🤑 Close credit cards - it could increase your credit score and reduce the amount of debt you're seen to have. ⁣
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Want help finding a home loan? Get in touch.📱⁣
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To find out more, DM us or contact APS Advisory Group on:

☎ – 02 8896 6180
💻 – info@apsadvisorygroup.com.au
⁣
#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

🤔 Business owners: have you heard of temporary

🤔 Business owners: have you heard of temporary full expensing? 🤔⁣
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Otherwise known as an instant asset write-off, temporary full expensing is part of the national pandemic relief package for businesses. ⁣
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Rather than depreciating the costs of certain assets over years ... if eligible, you can claim an immediate deduction. 🤑⁣
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Coffee machines ☕️, trucks 🚛, farming equipment 👨🌾, excavators 🚜, and vehicles 🛻 are just some examples of assets eligible under the scheme.⁣⁣⁣
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But the scheme is scheduled to finish on 30 June 2023 so get in now if you want to take advantage of it. ⏳⁣
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It's important to note that the asset must be installed and ready for use prior to July 1 for it to be eligible for the scheme (ie. simply ordering it is not enough!).⁣
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For the full list of eligibility criteria, get in touch or check out the ATO website. ⁣
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To find out more, DM us or contact Harshal at APS Advisory Group on:

☎ – 0422 615 424
💻 – harshal@apsadvisorygroup.com.au
⁣
#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

🔍 Keeping an eye on property prices? There's mo

🔍 Keeping an eye on property prices? There's more to it than rate rises 🔍⁣
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There's no denying that rate rises influence prices. But there are other factors that can have more cumulative and long-term effects. 📈⁣
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A 1% mortgage rate increase may result, on average, in a price decline of 1.34%*. But in comparison, prices could jump by 8.18% with a population increase of only 1%, as it can drive up housing demand. 😲⁣
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And Australia is set to see an international migration boom according to the Centre for Population. ⁣
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So, while mortgage rates are important to pay attention to when surveying the market… Other factors like population and migration are worth looking at too. 👀⁣
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Are you watching the market and getting ready to take action? ⁣
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Give us a call today for help finding the right home loan.⁣
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To find out more, DM us or contact APS Advisory Group on:

☎ – 02 8896 6180
💻 – info@apsadvisorygroup.com.au
⁣
*Domain⁣
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#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

🏠 Addressing the gender home ownership gap 🏠

🏠 Addressing the gender home ownership gap 🏠⁣
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When it comes to home ownership and property investment in Australia, there's still a bit of a gender imbalance.⁣
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It can take women 9.4 years on average to save a 20% deposit for an median-priced Australian property, while for men, it’s just 8.3 years*.⁣
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But we’d love to help women meet their property goals sooner. 🙌⁣
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So if you’re preparing to get into the property market, give us a call. 📞⁣
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We can help you find the right home loan and give tips to help boost your borrowing power. 💪⁣
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To find out more, DM us or contact Harshal at APS Advisory Group on:

☎ – 0422 615 424
💻 – harshal@apsadvisorygroup.com.au
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*CoreLogic ⁣
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#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

🤔 What other property investment options are th

🤔 What other property investment options are there other than residential? 🤔

If you want to diversify your portfolio, you may want to consider investing in commercial property, such as office, retail, or industrial spaces. 🏭

Commercial property can be attractive to investors due to its longer leases than residential rentals.

There are generally two options you can take:

✅ Direct investment by purchasing a commercial property yourself.

✅ Investing in a commercial property fund, where you become a part-owner of the portfolio of commercial properties, along with other investors.

Whatever avenue you decide is right for you, we can help you with financing and loans.

To find out more, DM us or contact Harshal at APS Advisory Group on:

☎ – 0422 615 424
💻 – harshal@apsadvisorygroup.com.au

#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

🏡 Single and under 30? You’re a great fit for

🏡 Single and under 30? You’re a great fit for the 5% deposit scheme 🙌⁣
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Long gone are the days when you had to scrimp and save for a 20% deposit to buy your first home 🤔⁣

These days, you can crack the property market with just a 5% deposit and pay no lenders’ mortgage insurance (LMI), thanks to the federal government’s First Home Guarantee (FHG) scheme.

Recent data from the scheme* shows the majority of people who purchase their first home under the scheme are single buyers, of which:

- 52% are female and 48% are male.
- The median age is 25 to 29 years olds.
- The average loan size is $397,000.
- Earn around $60-$80k per year.

Know anyone who might fit that bill and wants to escape the rental market? 🤔

Put them in touch with us before the next round of scheme spots become available on July 1. 😁⁣
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To find out more, DM us or contact APS Advisory Group on:

☎ – 02 8896 6180
💻 – info@apsadvisorygroup.com.au

* NHFIC

#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

👀 Keeping an eye on the property market? Prices

👀 Keeping an eye on the property market? Prices are back on the rise 👀

Property prices had been declining in the wake of interest rate hikes. But early 2023 saw the start of an upswing. 📈

March PropTrack data showed a 0.13% increase in property prices. And CoreLogic data showed an increase of 0.6%. 🏠

Burgeoning property prices may mean increased equity for homeowners. Want to know how to unlock yours? Come and chat with us. 🗣

And if you’re in the market to buy… We’ve got tips to help you expand your borrowing power.

To find out more, DM us or contact Harshal at APS Advisory Group on:

☎ – 0422 615 424
💻 – harshal@apsadvisorygroup.com.au

*realestate.com.au & CoreLogic

#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

🤔 Thinking of refinancing? Here are 3 key quest

🤔 Thinking of refinancing? Here are 3 key questions to consider 🤔⁣
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✅ What’s your financial picture? Make sure your credit score and finances are in shape before applying to avoid disappointment. ⁣
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✅ Do you have equity? Most lenders require 20% equity to refinance. And if you have more, you may be able to unlock it.⁣
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✅ What are you looking for? An offset account, extra repayments, flexibility… Think about what you need in a home loan. ⁣
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And if you don't have the answers? No worries. 👇⁣
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Call us today and we can help you crunch the numbers and find a good home loan fit for you. 👍⁣
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To find out more, DM us or contact APS Advisory Group on:

☎ – 02 8896 6180
💻 – info@apsadvisorygroup.com.au
⁣
#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

🌊 How to avoid rough seas when your fixed rate

🌊 How to avoid rough seas when your fixed rate mortgage ends 🌊⁣
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Those who fixed their rate have had some pretty smooth sailing in recent years. ⛵️⁣
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But with interest rates on the rise, it can be a pretty stressful time if the end of your fixed rate period is on the horizon.⁣
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So here are some tips to help you change course smoothly: 😎⁣
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💰 Have a good look at your budget and save a buffer before your fixed rate expires.⁣
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🤼 Negotiate for a better rate with your lender.⁣
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🔁 If suitable for you, refix or have a split loan if your lender allows.⁣
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🤔 Consider refinancing to get access to new customer rates and features. ⁣
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🤝 Come and talk to us! We’d love to get cracking on finding great options for you.⁣
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To find out more, DM us or contact APS Advisory Group on:

☎ – 02 8896 6180
💻 – info@apsadvisorygroup.com.au
⁣
#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

🏠 If you don’t have a 20% deposit can you sti

🏠 If you don’t have a 20% deposit can you still buy a home? 🏠⁣
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A 20% deposit is the most well known way of securing your dream property, but there are other options that may be available, including:⁣
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✅ Government schemes: if eligible, the Home Guarantee Scheme can get you into a home with a 5% deposit and no need to pay lenders mortgage insurance (LMI). ⁣
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✅ Low deposit home loan: some lenders provide home loans with a deposit of 10%. But you’ll most likely have to pay LMI. ⁣
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✅ Ask family to act as a guarantor: this may help you dodge LMI and boost your borrowing power. But remember that defaulting on your loan greatly affects your guarantor.⁣
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✅ What's your profession?: Some professions - including nurses, midwives, doctors, lawyers and accountants - can qualify for waived LMI with a low deposit home loan.⁣
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If you’d like help finding the right low-deposit loan reach out to us today. 👋⁣
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To find out more, DM us or contact APS Advisory Group on:

☎ – 02 8896 6180
💻 – info@apsadvisorygroup.com.au
⁣
#apsadvisorygroup #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #firsthomebuyers #parramatta #parramattarealestate #parramattaproperty #sydney #sydneyfinance #sydneymortgagebroker #sydneyhomeloans #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker

We know what you want! In your situation it may be

We know what you want! In your situation it may be better to buy than rent. 🤔
It all depends on your particular situation, like how much you’ve saved, what and where you want to buy. 💰🏡
Contact us so we can look at your finances and recommend mortgage deals that may suit your personal goals and financial needs.
On top of that we can also negotiate on your behalf to help you get a better deal, offer access to exclusive home loan offers, and help you with your mortgage application, to help save you time and hassle. ⏱️

Contact our expert team TODAY! 🤳
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#australianpropertymarket #homeloan #homeloanspecialist #australianmortgagebroker #financialadvisor #sydneymortgagebroker #mortgagebroker

Want to own an incredible home like this one by @m

Want to own an incredible home like this one by @marshallwhiterealestate? 😍
Here's a checklist of the things you will need before applying for a home loan:
- Proof of identification
- Income
- Expenses
- Savings/deposit
- Liabilities
- Assets
- Refinancing

This is to give you a rough indication, but best to contact a home loan expert for a full understanding of what is needed to get your home loan across the line. 🏆👏
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#australianpropertymarket #homeloan #homeloanspecialist #australianmortgagebroker #financialadvisor #sydneymortgagebroker #refinancemortgage #mortgagebroker #homeloanpreapproval

With interest rates rising and property prices dro

With interest rates rising and property prices dropping, is it a good time for a First Home Buyer to get into the market? 🤔
It all depends on the price, location, how much you’re currently paying for rent, and whether you can take advantage of any of the state or federal government schemes. 💥

Contact our expert mortgage broking team today. 🤳
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#australianpropertymarket #homeloan #homeloanspecialist #australianmortgagebroker #financialadvisor #sydneymortgagebroker #refinancemortgage #mortgagebroker #refinance #homeloanspecialist #firsthomebuyer #firsthome

Non-bank lenders are not only able to assess a wid

Non-bank lenders are not only able to assess a wider variety of lenders, like those self-employed or that have had a bad credit, but they can also offer lower interest rates because they have less overhead costs then major banks. 🏦

Now’s the time more than ever! You should be shopping around for a competitive interest rate on your home home. Contact us today. 🤳

📷 @bresicwhitney #repost

We are happy to look at the market for you. 🔎 C

We are happy to look at the market for you. 🔎
Come to us for invaluable guidance as your fixed rate reverts to a higher variable rate this year. 📈
We base the options available to you on your individual needs.
Our relationship with the banks and lenders brings such competitive rates to those looking for a home loan or to refinance. 🤝

We can communicate with you in-person or online, whatever is most convenient for you. 🧑‍💻
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#australianpropertymarket #homeloan #homeloanspecialist #australianmortgagebroker #financialadvisor #sydneymortgagebroker #refinancemortgage #mortgagebroker #refinance #homeloanspecialist

Want to avoid mortgage prison? You may need to bre

Want to avoid mortgage prison? You may need to break your fixed rate term early if you are looking to refinance.
If you’re a borrower with less than 20% equity and want to refinance, you may need to pay LMI (lender’s mortgage insurance), and those in negative equity may not be able to refinance at all.
Furthermore, if you purchased a home in 2021 it will have, most likely, gone down in value.

Contact us for a thorough health check on your current finances. 🤳

📷 @raywhitegroup #repost
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#australianpropertymarket #homeloan #homeloanspecialist #australianmortgagebroker #financialadvisor #sydneymortgagebroker #refinancemortgage #mortgagebroker #refinance #LMI #lendersmortgageinsurance

Housing affordability is at its worst level in a d

Housing affordability is at its worst level in a decade. On average Australian households with two incomes need 30.9% of their income to meet monthly mortgage repayments. In May last year it was 26.4%.
In Sydney a dual-income couple needs 40.7% and in Melbourne 34.5%.
It is crucial that you check current home loan rates, and have a solid understanding of where you’re at. Shop around to find that one lender that is most suitable for your financial situation, and with the most competitive rate.

📷 @bellepropertyarmadale

For the tenth consecutive month the Reserve Bank o

For the tenth consecutive month the Reserve Bank of Australia has lifted the cash rate, this time by 0.25% points to 3.60%.
One more rate hike of 0.25% is expected to ensure inflation returns to target.
This increase alone will add an estimated $77 to monthly repayments of a $500,000 home loan.

Contact our team of experts if you would like to discuss your situation and options. 🤳
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#cashrate #interestrate #australiancashrate #australianpropertymarket #RBA #reservebankofaustralia #homeloan #homeloanspecialist #australianmortgagebroker #financialadvisor #sydneymortgagebroker #refinancemortgage #mortgagebroker

It’s a great time for investors in Australia. Th

It’s a great time for investors in Australia. The increase in the cost of rent across the country, due to the rental vacancy rate crisis, is now compensating for the rise in interest rates.
So to hold an asset is relatively same-same, and properties are expected to continue to drop in Sydney and across Australia over the next couple of months.
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#homeloan #homeloanspecialist #australianmortgagebroker #financialadvisor #sydneymortgagebroker #refinancemortgage #interestrates
#propertyinvestment #Australianpropertymarket #mortgagebroker #propertyinvestment #propertyinvestor

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