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🤔 Is home ownership the key to happiness? 🤔⁣ ⁣ Your home isn’t just a roof over your head. It’s also a source of joy! 😁⁣ ⁣ A recent survey by Great Southern Bank shows that owning a home has the power to bring extra happiness to our lives.⁣ ⁣ It’s like comfort food for your financial well-being. 😅⁣ ⁣ Want to boost the feel-good factor?⁣ ⁣ Let us help line you up with a home loan that’s right for your needs. 🙌⁣ ⁣ Right home. Right loan. Great combo. ✅⁣ ⁣ Talk to us to find your ideal mortgage match, and unleash your inner joy. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🙌 Mortgage brokers have done it again! 🙌⁣ ⁣ We’ve just notched up another industry win, setting a new record for market share. 😮⁣ ⁣ 72% of Aussies now turn to a mortgage broker for help landing a home loan (MFAA stats).⁣ ⁣ Makes sense (to us at least!). Because as your broker, our job is to help you:⁣ ⁣ ✅ Potentially save with a competitive rate⁣ ✅ Enjoy better loan features⁣ ✅ Buy your home or investment property with confidence knowing a broker is on your side.⁣ ⁣ So if you're looking for a home loan specialist, call us today and we'll help you find a loan that suits your needs. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🔨 How do construction loans work? 🔨⁣ ⁣ Instead of receiving a lump sum from the lender, a construction loan drip feeds funds in line with various stages of the project, including:⁣ ⁣ ✅ Laying the slab⁣ ✅ Erecting the frame⁣ ✅ Reaching lock-up⁣ ✅ Fitting out your home⁣ ✅ Completion of construction.⁣ ⁣ This arrangement offers some valuable advantages. 😁⁣ ⁣ Loan interest is only calculated on the funds drawn down, not on the total value of the loan. And during the construction period, you’ll generally be asked to make interest-only payments.⁣ ⁣ Once your new home or renovation is complete, your construction loan will typically roll into a regular home loan. 🏡⁣ ⁣ So if you’re looking to build or renovate, talk to us today about your funding options and we’ll aim to help you get the ball rolling on your construction project sooner. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🦅 Lending to property investors is soaring once more 🦅⁣ ⁣ The value of new investment loans in February 2024 was 21.5% compared to a year ago, according to ABS data. ⁣ ⁣ What’s driving investor interest? 🤔⁣ ⁣ ✅ Vacancy rates at a record low 0.7% (Domain data)⁣ ✅ Expectations of a possible rate cut later this year⁣ ✅ A jump in listings giving investors more choice (SQM research).⁣ ✅ Potential tax savings of negative gearing (seek your accountant/financial planner's advice).⁣ ⁣ Ready to become a property investor yourself?⁣ ⁣ Talk to us today about the investment loan that matches your needs. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

💪 How does your home loan rate shape up? 💪⁣ ⁣ Your home loan may have had a red hot rate back in the day. 🙌⁣ ⁣ But is it still competitive? 🤔⁣ ⁣ One in five borrowers haven’t compared rates since first taking out their loan (Mozo report).⁣ ⁣ Keeping on top of your loan rate doesn't need to be difficult though. 🙃⁣ ⁣ Talk to us about a home loan review. 🙌⁣ ⁣ It lets you know if your loan is still getting a good rate – with all the features and flexibility you need. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

⏳ How long does it really take to get a home loan? ⏳⁣ ⁣ As soon as you pay a deposit on a home, the clock is ticking to line up a home loan. ⏰⁣ ⁣ Finance (or cash 😅) is required by settlement, or you could cop costly fees and penalties. 😬⁣ ⁣ As a rule, try and allow around 4-6 weeks to land a loan. ⁣ ⁣ There’s plenty you can do however to help speed up the process:⁣ ⁣ ✅ Talk to us to know if your finances are home-loan ready⁣ ✅ Have the paperwork in place that lenders like to see⁣ ✅ Check you’ve completed the loan application accurately⁣ ⁣ Ask us about loan pre-approval too. It can be a lot less stressful than applying for a loan after you’ve paid a deposit. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

✅ Three home loan goals to consider ticking off in 2024 ✅ ⁣ ⁣ Try one or have a go at them all to try and potentially save on your home loan. 👇⁣⁣ ⁣ 1. Give your home loan a health check. Have peace of mind that your loan is in good shape and continues to match your needs. 🙌⁣ ⁣ ⁣ 2. Ditch lender loyalty. Perhaps explore what other lenders have to offer. 👀⁣ ⁣ 3. Check you’re not paying for features you don’t use. Why pay more? 🤔⁣⁣ ⁣ Call us today to start ticking off the above checklist and pocket potential savings in 2024. 👍⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

⚖ Buy or sell first? It can be a juggling act ⚖⁣ ⁣ Buying before you sell your current home can be tempting if you’ve seen a place you love. ❤⁣ ⁣ But it may mean you need bridging finance – that’s an extra loan to tide you over until your old home sells. 🏡⁣ ⁣ Not all lenders offer bridging finance. And it can sometimes be a bit more pricey. 📈⁣ ⁣ It can also mean juggling two loans at the same time. 🙃⁣ ⁣ But, if you see the house of your dreams on the market and you need to act fast to buy it, it could help you bridge the money gap. ✅⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

👍 4 tips for self employed home loan applications 👍⁣ ⁣ Run your own business? Applying for a mortgage when you’re self-employed may have you jumping through more hoops. 🙃⁣ ⁣ But it needn’t deter you from getting into the property market. 🙌⁣ ⁣ Here are 4 tips to consider to help you apply for a mortgage like a boss. 💪⁣ ⁣ 1. Get your finances in order: build up a healthy credit score, lower your living expenses, save up a healthy deposit (aka genuine savings) and a cash buffer.⁣ ⁣ 2. Make sure your business and personal finance documents are up to date. And run your business on accounting software such as Xero, MYOB or Hnry.⁣ ⁣ 3. Choose your lender wisely. Applying with lenders that have a track record of approving self-employed loans might be a wise move.⁣ ⁣ 4. Get in touch with us today. We can help you get started with many of the above tips! ⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 Are you prepared to buy at an auction? 🏡⁣ ⁣ February saw a pick-up in auction activity, and CoreLogic says demand from buyers has kept pace, with clearance rates above 70%. 📈⁣ ⁣ If you’re planning to buy at auction, it can help to be prepared. 🙌⁣ ⁣ So here are some steps you may choose to take in advance: 👇⁣ ⁣ 1. Talk to us about your borrowing capacity⁣ 2. Consider home loan pre-approval so you can bid with confidence⁣ 3. Arrange a pest and building inspection⁣ 4. Understand how the deposit should be paid on auction day⁣ 5. Have the sale contract reviewed by an expert to avoid hidden surprises.⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

📢 Breaking: mortgage brokers help home buyers master LMI 📢⁣ ⁣ Lenders mortgage insurance (LMI) can be a source of confusion for home buyers. 🙃⁣ ⁣ But new research from MFAA and Helia shows mortgage brokers are helping Aussies get a better grasp of LMI – how it works, and how it can help buyers achieve their property goals. ✅⁣ ⁣ Put yourself in the know. 🤓⁣ ⁣ Talk to us for a clear explanation of what LMI is, when it applies, and how you can be an LMI boss to potentially get into your own place sooner. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤔 Are borrowers becoming complacent about high interest rates? 🤔⁣ ⁣ Lending data from the ABS shows refinancing was down 12% in late 2023 compared to the year before. 📉⁣ ⁣ So are we learning to live with high rates or are there still savings to be made by switching? ⚖⁣ ⁣ Well, perhaps it's not time for complacency just yet. 😅⁣ ⁣ We're still seeing big variations in home loan rates. 🙌⁣ ⁣ Switching to a lower rate loan could put money back in your hands.⁣ ⁣ So don’t be left wondering – try and find out if you could do better. 👍 ⁣ ⁣ Talk to us today about a home loan review, we’ll let you know how your mortgage shapes up against the market. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 Choice ramps up for prospective house hunters 🏡⁣ ⁣ The number of homes coming onto the market is increasing, with new listings on realestate.com.au up 12% nationally in January. 📈 ⁣ ⁣ It’s potentially great news for home buyers, who now have more choice. 👍⁣ ⁣ Drawing up a list of must-have home features can help you stay focused during your property search. 🙌⁣ ⁣ It also helps to be ready to act when you see a place you’d like to buy. 🏠⁣ ⁣ Another way to be prepared is to have home loan pre-approval in place. ⁣ ⁣ That can help you set a buying budget, so you can focus on homes within your price range. 🏡⁣ ⁣ It also means you can make an offer with confidence – and stay one step ahead of less-organised buyers. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 First home buyers roar back into market 🏡⁣ ⁣ First home buyers stormed back into the market last year, taking out 28.5% of all new home loans, according to ABS statistics.⁣ ⁣ Could you (or someone you know) be next to buy a first home? 🤔⁣ ⁣ Here are 5 potential tips to help get started:⁣ ⁣ 1. Talk to a mortgage broker – we’ll help break down the home buying process, and explain how you can become home loan-ready sooner.⁣ ⁣ 2. Save, save, save – the bigger your deposit, the less you may need to borrow.⁣ ⁣ 3. Cut your credit card limit – reducing card limits could boost your borrowing power.⁣ ⁣ 4. Check out first home buyer incentives – a financial helping hand might fast-track your first home purchase.⁣ ⁣ 5. Consider a 5% deposit scheme – buying with 5% deposit? In some circumstances it can be done!⁣ ⁣ Call today for more ideas on getting into your own home sooner. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

⚖ What to weigh up with a property development ⚖⁣ ⁣ Australia appears to be in the grip of a housing shortage, with Housing Australia estimating that we currently need 175,000 more homes. 😮⁣ ⁣ That can make it tempting to take on a property development project of your own - particularly if you've got the land, funds, time and motivation to do so. 🏡⁣ ⁣ But they’re not always a money-spinner - especially if you're inexperienced or unprepared. 📝⁣ ⁣ Here’s what to consider watching for: 👇⁣ ⁣ 1. Construction costs are easing, says CoreLogic, but unplanned blow-outs can still eat into your budget.⁣ ⁣ 2. Building applications can be a minefield - know what’s required.⁣ ⁣ 3. Explore your finance options. It could be the difference between making, or losing, money.⁣ ⁣ Get in touch with us if you’re thinking of a property development project. 📞⁣ ⁣ We can explain the loan options available so you can build with more confidence. 💪⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

📢 When will the next cash rate call be made? 📢⁣ ⁣ 2024 sees our central bank switch to a new meeting schedule. 📆⁣ ⁣ Instead of meeting 11 times annually, the Reserve Bank of Australia (RBA) will call the shots on interest rates just eight times this year - about every six weeks - with no meetings to be held in April, July and October*. ⛔️⁣ ⁣ This makes it even more important to double check that your current home loan is still right for your needs. 👍⁣ ⁣ Because no matter what the RBA decides, you may need to be able to live with that decision for longer each time. 😅⁣ ⁣ So if you'd like a home loan health check, call us today to see how your home loan shapes up. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤔 Should you sit tight? Or buy a property now? 🤔⁣ ⁣ Great news! Some of our biggest banks - including NAB and Westpac - are expecting interest rates to fall later this year. 📉⁣ ⁣ So … should you buy your first home or an investment property now? Or hold out a little longer? 🙃⁣ ⁣ Sure, a drop in rates could boost your borrowing power. 💪⁣ ⁣ The catch is that lower rates could potentially stimulate home buying activity, possibly driving home prices higher. 📈⁣ ⁣ That’s why the saying goes: 'the ideal time to buy is when you’re ready to do so'. 🙌⁣ ⁣ And how do you know when you're ready to buy a home? 🏡⁣ ⁣ Well, one way is to come speak to us to find out how much you could borrow. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🚙 Are you in the market for an SUV this year? 🚙⁣ ⁣ They're increasingly becoming the family vehicle of choice. 🙂⁣ ⁣ In fact, in January the total number of Sports Utility Vehicles (SUVs) sold was up 6.7% compared to January 2023. 📈⁣ ⁣ SUVs also now account for 55.5% of all vehicle sales. 😮⁣ ⁣ Leading the charge were the Toyota RAV4 (2,211 sales in January), Mitsubishi Outlander (2,077), MG ZS (1,888), Toyota Prado (1746), and Mazda CX-5 (1,720).⁣ ⁣ Need help financing your next vehicle purchase? Let us help. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 How your deposit size can shape the interest rate you pay 🏡⁣ ⁣ Size matters! At least when it comes to how your home-buying deposit can impact the rate you pay. ⁣ ⁣ Lenders often set your home loan rate taking into account your loan-to-value ratio – or LVR. 🤓⁣ ⁣ That’s the percentage of your home’s value that you need to borrow. 🏦⁣ ⁣ The smaller the LVR, generally the less risk for a lender – and that could see you rewarded with a lower rate. 📉⁣ ⁣ How much lower? Give us a call and we'll help you explore your options. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🙌 The pros of having a mortgage broker on your side 🙌⁣ ⁣ The words “home loan application process” can strike fear in the hearts of many. But you don't have to go it alone. 😁⁣ ⁣ According to recent MFAA stats, seven-in-10 home loan seekers have now cracked the code: turning to mortgage brokers to help them land a loan. 🤝⁣ ⁣ Here are three key reasons why... 👇⁣ ⁣ 1. We can do the bulk of the legwork for you.⁣ ⁣ 2. Our inner knowledge of the finance industry could help boost your chances of home loan success⁣ ⁣ 3. We can provide you with continued support throughout the duration of your home loan.⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤔 Why are home values defying higher interest rates? 🤔⁣ ⁣ Rates have soared but that doesn't seem to have put a dampener on property values across most of the country. 🏡⁣ ⁣ Why not? Well, CoreLogic points to three potential reasons. 👇⁣ ⁣ 1. A strong bounce back in population growth.⁣ ⁣ 2. Tight rental markets mean more people are thinking of buying instead of renting.⁣ ⁣ 3. High activity among buyers who don’t need a home loan (yes, we’re talking cash buyers).⁣ ⁣ The take-out?⁣ ⁣ If you wait for property values to fall to get into the market, well, it may not happen. ⚖⁣ ⁣ Timing the market can be incredibly difficult - especially the property market. ⁣ ⁣ 'Time in the market' could be more straightforward to achieve. 👍⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🙌 Buying your first home in 2024? Here's how to get ready 🙌⁣ ⁣ Lenders consider many things when you apply for a first home loan. 🤔⁣ ⁣ But one thing they tend to really look at is ‘genuine savings'. 💰⁣ ⁣ That means you’ve been steadily tucking cash away - usually for at least 3 months. Bonus points for longer! 😅⁣ ⁣ Regular saving shows you could have what it takes to handle a home loan. 💪⁣ ⁣ So, don’t delay – draw up a budget, work out what you could possibly save, and start growing savings today! 😁⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏘 Lending to property investors is increasing once again 🏘⁣ ⁣ Latest ABS figures show that in December 2023, banks lent over $26 billion in new home loans. And one-third of this figure, a whopping $9.5 billion, was to property investors.⁣ ⁣ That equates to 36.2% of all housing loans – the highest market share for property investors since mid-2017. 😮⁣ ⁣ What’s driving investor interest? 🤔⁣ ⁣ ✅ Rent returns as high as 9%, according to Proptrack.⁣ ✅ Expectations of more house price growth in 2024, according to CoreLogic and ANZ bank⁣ ✅ A wafer-thin vacancy rate of 1.1% nationally (SQM Research)⁣ ⁣ If buying an investment property is on your radar in 2024, talk to us today about your options for an investment loan.⁣ ⁣ We can help you work out how much equity you may be able to leverage, as well as your overall borrowing capacity. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤔 Does your home loan have an offset account? 🤔 ⁣ Not all home loan products offer them - and not all lenders offer loans that can have multiple offset accounts attached to them.⁣ But some do, and they may be a good way to help pay down your mortgage sooner. 👍 ⁣ In a nutshell, an offset account is a transaction or everyday banking account that is linked to your home loan. ⁣ ⁣ The advantage is that you only pay interest on the difference between the money in your offset accounts and the mortgage total.⁣ ⁣ Compare the Market crunched the numbers and found having just $25,000 in an offset account over the life of a $500,000 loan (rate of 5.84%) could see you slash over $100,000 off your loan interest, and may reduce your home loan term by almost three years. 😮 So, if you'd like to explore loan options that allow for multiple offset accounts to be attached to them, get in touch today to explore your refinancing options. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

😮 Can you really save on your mortgage by paying fortnightly? 😮 Here's an idea that could help you get ahead on your variable-rate home loan... 💡 Halve your monthly repayment, and then pay that amount into your home loan each fortnight. Before you know it you'll be ahead on your repayments. 🤓 That's because there are 26 fortnights in a year, so you’ll make the equivalent of 13 monthly repayments instead of 12. So just how much could you potentially save by using this tactic? Well, Canstar crunched the numbers and found you could save over $200,000 in interest on a $600,000 loan (at a 6.88% interest rate) over 30 years. Call us today to find out how much you could potentially save by making fortnightly payments. 👇 To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🙌 Brokers now help settle 7 in 10 new mortgages 🙌⁣ ⁣ Between July and September 2023, mortgage brokers wrote 71.5% of all new residential home loans in Australia, according to the MFAA.⁣ ⁣ That's the second-highest mortgage broker market share the industry has recorded. 😮⁣ ⁣ It’s a good sign that brokers are delivering the goods when it comes to helping Australians move into their dream homes.⁣ ⁣ So why are more and more Aussies flocking to mortgage brokers? 🤔⁣ ⁣ Well, higher interest rates make it important to find a home loan that's right for you. ⁣ ⁣ And that’s just what a broker can help deliver (not to mention education, guidance and peace of mind). 🤝⁣ ⁣ Call us today to experience the broker difference. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏘 Revealed: the four cities tipped to be property hotspots 🏘⁣ ⁣ A new report from PEXA reveals that the nation’s population is forecast to grow by 7.4 million by 2041.⁣ ⁣ That'll require an additional 2 million dwellings across our four biggest cities, which will account for over 65% of the forecasted population growth.⁣ ⁣ City by city, it's predicted that we'll need another:⁣ ⁣ 🏘 723,000 new homes in Melbourne (that’s 40,000 new homes per year, or 772 per week);⁣ 🏘 582,000 in Sydney;⁣ 🏠 381,000 in Brisbane; and⁣ 🏠 334,000 in Perth.⁣ ⁣ With so much pressure on demand, it could make these capital cities quite the property hotspots over the coming decades. 💪⁣ ⁣ So if you'd like to jump into one of these markets as either a first home buyer, upgrader, or investor, call us today to discuss your home loan options. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🙃 Hurdles to clear: why banks check if you could pay 3% more 🙃⁣ ⁣ As you're probably aware, the RBA has increased the cash rate 13 times in less than two years. 📈⁣ ⁣ But bank regulator APRA is sticking to its rate buffer of 3%. 😤⁣ ⁣ That means when you take out a new home loan, banks are advised to check if you could still repay that loan if interest rates were another 3% higher than the advertised rate.⁣ ⁣ Is that even fair? 🤔⁣ ⁣ Well, the 3% is meant to help home buyers stay out of financial hot water if interest rates were to rise even further. ⁣ ⁣ So, how can you avoid stumbling over that 3% hurdle? ⁣ ⁣ Simple - give us a call today and we'll help you work out just how much you could possibly borrow while still keeping APRA and the banks happy. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🛻 HiLux vs Ranger: what was the top selling vehicle in 2023? 🛻⁣ ⁣ It was down to the wire, but the Ford Ranger (63,356 utes sold) narrowly pipped the Toyota HiLux (61,111 utes sold) according to the FCAI to be Australia's top selling vehicle in 2023. 💪⁣ ⁣ In third place was the Isuzu Ute D-Max (31,202), followed by the Toyota Rav 4 (29,627), MG ZS (29,258), and Tesla Model Y (28,769). ⚡️ ⁣ How about you? Need a new set of wheels in 2024? 🚗 If so, we can help find the right car loan for you. 👇 ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 Want to help your kids buy their first home? Here’s how 🏡⁣ ⁣ A new survey from Canstar shows how Aussies think parents can help their adult kids get into their first home sooner.⁣ ⁣ And the good news is that it doesn’t always involve contributing financially! 😉⁣ ⁣ Here are the survey's top results:⁣ ⁣ ✅ 20% say - financial education⁣ ✅ 16% - offer rent-free accommodation⁣ ✅ 13% - contribute to deposit⁣ ✅ 9% - go guarantor on the loan⁣ ✅ 9% - contribute to living costs to help them save.⁣ ⁣ Or, you can talk to us. 📞⁣ ⁣ We’ll run you through some other options that can help get your kids into their first home sooner, including the federal government's 5% deposit (and no lenders mortgage insurance) scheme! 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 Ever thought about buying property through an SMSF? 🏡⁣ ⁣ It's fair to say that property is one of Australia’s most popular investments. 😁⁣ ⁣ And while investing in property is considered one of the attractions of a self-managed super fund (SMSF), it's tightly regulated and there are many rules you need to carefully navigate.⁣ ⁣ That said, more and more people are doing so. In fact, almost 8,000 SMSFs were established in the September quarter - the second-highest number for the past five years.⁣ ⁣ By and large, SMSFs mainly invest in commercial real estate, but they can be used for residential investment properties under certain conditions, too! 🏡⁣⁣ ⁣⁣ So if you've been thinking of exploring your SMSF loan options but don't know where to start, get in touch with us today and we'll help you get the ball rolling! 😉⁣⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤓 The smart move that fewer than 1 in 10 borrowers are making 🤓⁣ ⁣ It's no secret that many Aussie home owners are currently feeling the heat of high interest rates. ⁣ ⁣ But a report by Canstar shows that only 9% of home owners chased a better offer in 2023 by switching to a new lender. 🤨⁣ ⁣ Whereas 23% of property owners chose to just stick with their current loan because they think refinancing is too hard, or they have a fear of being rejected.⁣ ⁣ Another 20% intend to, but just hadn't gotten around to it yet.⁣ ⁣ That’s what we’re here for. 😁⁣ ⁣ We’ll do the legwork to make refinancing a breeze - and we'll know which lenders and loans you have a better chance of applying for. 👍⁣ ⁣ Talk to us today for a free home loan health check – and discover if you could save. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

⚖ Buy versus build: what to weigh up ⚖⁣ ⁣ There’s nothing like living in a brand new home.⁣ ⁣ But financing a new build is very different from a regular home loan. 🍎 🍊⁣ ⁣ So if you're looking to build the home of dreams, chances are you’ll need a construction loan.⁣ ⁣ The pros:⁣ ✅ The loan is drip-fed as building progresses.⁣ ✅ You only pay interest on funds drawn down.⁣ ⁣ The cons:⁣ 🙃 Lenders may ask for more paperwork - such as a builder’s contract.⁣ 🙃 Banks may set a timeframe for construction.⁣ 🙃 Not all banks offer construction loans.⁣ ⁣ Call us today to weigh up your buy vs build options.👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤔 Home buying: should you use a solicitor or conveyancer? 🤔⁣ ⁣ Buying a home isn't all fun and games (unfortunately). It also means inevitable legal work. 🙃⁣ ⁣ And it’s really a job for the experts. 🤓⁣ ⁣ But who do you choose - a solicitor or a conveyancer? ⁣ ⁣ If the purchase is straightforward, chances are you’re good to go with a conveyancer. ✅⁣ ⁣ If the transaction is complex, a solicitor offers a broader range of legal skills. 🤝⁣ ⁣ However, in Queensland and the ACT, a solicitor is legally required to be involved in the process.⁣ ⁣ If you're unsure of who to reach out to, get in touch today and we can refer you to an expert we trust. 😁⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 Getting close to financial hardship? Here are four options 🏡⁣ ⁣ There's no denying that many families around the country are doing it tough right now. Inflation is high, and we've just experienced 13 cash rate hikes in less than two years. ⁣ ⁣ So what happens if you approach your lender for temporary home loan relief? 🙃⁣ ⁣ Well, you could be offered up to four options, according to the Australian Banking Association's 'Don’t tough it out on your own' campaign, including:⁣ ⁣ 1. An extension of your home loan term to reduce each monthly repayment⁣ 2. Temporarily lowering your home loan or credit card loan payments ⁣ 3. Letting you defer repayments for a while, or⁣ 4. Shifting from principal + interest to interest-only payments for a time.⁣ ⁣ So which is the right choice? 🤔⁣ ⁣ Well, there’s no one-size-fits-all answer.⁣ ⁣ But if you want to discuss which strategy might work for you, give us a call. ⁣ ⁣ The sooner we chat, the sooner you can get the ball rolling on seeking repayment relief. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 If you're sick of rate hikes, should you fix your home loan? 🏡⁣ ⁣ Fed up with being at the mercy of variable interest rates? 🙃⁣ ⁣ You may be thinking of locking in your home loan rate.⁣ ⁣ Fixing means no more worries about rising interest rates - for your fixed-term period at least. ⁣ ⁣ That may be a big plus for helping you calculate your household budget. ⚖⁣ ⁣ The catch is that you won’t benefit if interest rates fall. 📉⁣ ⁣ One possible solution, however, is to split your loan across both variable and fixed rates - which can give you some of the benefits of both options.⁣ ⁣ If you'd like to know more about the pros and cons of each approach, get in touch today. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 The one home feature that home buyers refuse to budge on 🏡⁣ ⁣ Buying a home can involve plenty of compromises. 😅⁣ ⁣ But only to a point...⁣ ⁣ New research by Compare the Market reveals that the big non-negotiable for the majority of home buyers is the number of bedrooms. 😤⁣ ⁣ Meanwhile, pools, architectural style, views and proximity to bars and restaurants top the ‘meh’ list. ⁣ ⁣ One thing you shouldn't budge on though is getting a home loan that's right for you and your dream home. 😉⁣ ⁣ And for help in that department, you can give us a call today. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

💪 There's now more options for low deposit first home buyers 💪⁣ ⁣ Good news for first home buyers with a deposit of less than 20% 🙌⁣ ⁣ Three more lenders have signed up to the 5% deposit Home Guarantee Scheme (HGS), including St.George, Bank of Melbourne and BankSA.⁣ ⁣ If you’re not familiar with the HGS, it gives first home buyers an opportunity to buy a place of their own with as little as a 5% deposit (and no lenders mortgage insurance) through the First Home Guarantee or Regional First Home Buyer Guarantee.⁣ ⁣ Solo parents and guardians with just a 2% deposit can also apply for the scheme through the Family Home Guarantee.⁣ ⁣ But how do you know which loan and lender might be right for you? Or if you're even eligible for the scheme?⁣ ⁣ Easy. Give us a call today and we'll run you through your potential options. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

💡 Want to potentially add value to your home? Green it up 💡⁣ ⁣ New CommBank research shows 7 in 10 Aussies say energy efficiency can potentially boost a home’s value. 📈⁣ ⁣ And as power bills continue to climb, well, they might just be onto something. 😅⁣ ⁣ There's now also a range of choices available when it comes to ‘green’ loan options, which can offer discounted rates on loans (usually between $5,000 and $30,000) for eco-friendly improvements, possibly including:⁣ ⁣ ✅ Solar panels, hot water systems, pool heaters or battery systems⁣ ✅ Double glazing for windows or external awnings⁣ ✅ Water tanks⁣ ✅ Insulation⁣ ✅ Grey water treatment system⁣ ✅ Energy-efficient appliances, lighting, white goods and air conditioners.⁣ ⁣ If you'd like to explore your green loan options to potentially fund something above, get in touch with us today. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

☀ Got a big summer adventure planned these holidays? ☀⁣ ⁣⁣ Whether you're planning to travel by 4wd 🚗, camper 🚐, boat 🛥 or caravan 🚚 - the great outdoors beckons! 😎⁣⁣ ⁣⁣ And if you need vehicle finance to help fund that big adventure, give us a call today to discuss your options. 😁⁣ ⁣ We'll do everything we can to help you purchase your choice of adventure vehicle before the summer holidays arrive.👇⁣ ⁣⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

😮 5% deposit buyers now have an average of $82,000 in equity 😮⁣ ⁣ The 5% deposit Home Guarantee Scheme (HGS) has been with us for 3 years – and it’s dished up impressive results. 💪⁣ ⁣ The latest data by NHFIC⁣ shows first home buyers who purchased with just a 5% deposit have done alright, notching up an average of $82,000 in home equity. 🙌⁣ ⁣ That’s despite having a deposit averaging below $36,000.⁣ ⁣ Yes! A deposit of less than $36,000. 😊⁣ ⁣ It goes to show that little things can make big things happen.⁣ ⁣ Call us today to find out if you might be eligible for the 5% deposit home buying scheme. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

✌ One in three first home buyers use guarantee schemes ✌⁣ ⁣ First homebuyers are flocking to guarantee schemes to buy with just a 5% deposit and zero LMI. 😮⁣ ⁣ In 2022/23 close to 1-in-3 first home buyers took advantage of First Home Guarantee schemes (NHFIC⁣ stats).⁣ ⁣ That’s 41,700 buyers who’ve jumped off the rental merry-go-round and into a place of their own.⁣ ⁣ Beat the deposit blues. ⁣ ⁣ Talk to us to find out if you’re eligible for the First Home Guarantee, and aim to get into your first home sooner. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

😎 Mortgage brokers write 2 out of every 3 home loans 😎⁣ ⁣ It’s official.⁣ ⁣ Mortgage brokers are Australia’s go-to experts for home loans, according to new research by Helia.⁣ ⁣ In fact, 67% of new residential home loans are now organised with a broker’s support, says the MFAA.⁣ ⁣ Why use a mortgage broker?⁣ ⁣ Because a new survey* found home buyers say mortgage brokers:⁣ ⁣ ✅ provide valuable support (81% of respondents)⁣ ✅ help cut through complexity (79%) ⁣ ✅ provide reliable, trusted advice and information (73%)⁣ ⁣ Put us to the test.⁣ ⁣ Call us today to see how we can help you with your next home loan. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤨 How does your home loan interest rate compare? 🤨⁣ ⁣ The cash rate may have been on hold from July to October, but behind the scenes home loan rates were still on the move. 😅⁣ ⁣ Banks were busy lifting – and lowering – their rates even before the November rate hike, taking the average variable rate to 6.6% (Mozo data). ⁣ How does your loan compare? 🤔⁣ ⁣ Now’s the time for a home loan rate check.⁣ ⁣ Spoiler alert: we’re still seeing rates that start with a ‘5’.⁣ ⁣ So call us today to see if you can do better than the rate you're currently on.⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤔 How on earth are house prices increasing again? 🤔⁣ ⁣ Believe it or not, but despite higher interest rates, home values have soared almost 7% this year (CoreLogic). 😮⁣ ⁣ The key driver putting a rocket under property prices is a shortage of homes listed for sale. And we've also seen an increase in net overseas migration (PropTrack data).⁣ ⁣ And the price growth isn’t predicted to end any time soon. 📈⁣ ⁣ Home loan lending is also on the up says the ABS, which could be put down to buyers racing in to beat any other future house price rises.⁣ ⁣ If that includes you, give us a call today to kick-start your next property purchase.⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

📈 Has the equity in your home recently increased? 📈⁣ ⁣ You may not feel wealthier, but a $379 billion increase in household wealth in the June quarter (ABS data) means you could be more well off than you realise - especially if you’re a home owner. 😁⁣ . ⁣ Rising property values were the primary driver behind the surge - increasing household wealth by 2.1% in just three months.⁣ ⁣ What’s behind the latest surge in property values?⁣ ⁣ ✅ An increase in net migration⁣ ✅ Tight supply of homes for sale⁣ ✅ Savvy upgraders cashing in on home equity to buy their next place (could this be you next?)⁣ ⁣ Call us today to start putting your home equity to work, or to help you get started in the property market. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

👍 How to streamline your debts by refinancing 👍⁣ ⁣ Refinancing isn’t just about getting a better rate on your home loan. 💰⁣ ⁣ Switching to a new loan or lender can mean saving with a lower rate across all your debts when you consolidate them into a single loan. ⁣ ⁣ Better still, it can streamline your money management so you only have:⁣ ⁣ ✅ One repayment to make each month⁣ ✅ One set of loan statements to manage⁣ ✅ One low-rate loan to repay.⁣ ⁣ Juggling multiple debts can be time-consuming and costly.⁣ ⁣ Speak to us today about refinancing and discover how to streamline your finances.⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤝 Where home buyers currently need the most help 🤝 It's fair to say buying a home and taking out a home loan can be a complex process. 🙃 But don't stress! We're here to help! 🤜 🤛 Research by Helia reveals home buyers need support in: 1⃣ 63% determining their borrowing power 2⃣ 60% choosing the right loan 3⃣ 56% getting a home loan pre-approved 4⃣ 55% applying for a loan As mortgage experts, we can give you a valuable helping hand with the above. From explaining how much you can borrow, to helping you stitch up pre-approval, our priority is to make your journey easy. To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 How we help you cut through the home buying confusion 🏡 It's not unusual for home buyers (especially first-timers) to feel overwhelmed. In fact, 1-in-2 admit to finding the home buying journey difficult*. But one simple step can help turn the tables: reach out to us for help. Brokers can help first homebuyers enjoy smooth sailing in 5 key ways: 1⃣ Know how much you could borrow 2⃣ Understand your buying budget 3⃣ Learn what your repayments could be 4⃣ Discover grants and schemes you might be eligible for 5⃣ Enjoy expert help choosing and applying for your home loan. Skip the stress. Call us today for home loan help. 👇 To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] *MFAA #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤨 It takes about 6 years to save a deposit - here's how to reduce it 🙌 PropTrack says it currently takes buyers around six years to save a 20% deposit for a median-priced home. Problem is, prices will be even higher by then. 😬 Time to beat the official estimates! 💪 Here are 5 ideas that can potentially get you into a home sooner: ✅ First Home Guarantee scheme: buy with a 5% deposit (and no LMI) ✅ Help to Buy: launches in 2024, buy with just 2% deposit ✅ Co-buy: team up with a mate/sibling, double your buying power ✅ Get a guarantor: cut your deposit to near-zero ✅ Buy with less than 20%: beat future price hikes. Call us today to explore ways that can help you fast-track your way into the market. To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

💪 3 ways pre-approval can give you an edge over the competition 💪 In today’s market homes are selling in just 27 days* on average. So buyers may want to act fast to beat out their rivals. Having your home loan pre-approved lets you: 1⃣ Focus on homes you know you can afford 2⃣ Make an offer sooner without keeping sellers waiting 3⃣ Show real estate agents you’re a serious buyer, not just a tyre kicker. So if it's speed you need, talk to us today to help you organise your mortgage pre-approval. To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] *CoreLogic #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 Property investor activity is on the up and up 🏡 Residential property investors are continuing to return to the market, with steady month-on-month increases in new investor loan activity throughout 2023*. In February, new investor lending was $7.72 billion. By August, it had increased to $8.75 billion. 📈 That's a 13.3% increase in just six months. 😮 Strong rental yields are reportedly feeding the uptick, not to mention an increase in net migration and stabilising interest rates contributing to a more optimistic outlook of the property market. In fact, investor loans make up more than one-third of all new property loan commitments, which was just shy of $25 billion in August. So if you've been thinking about making the leap from homeowner to property investor, get in touch today and we can help you work out your borrowing power, including how much equity you can leverage from your home. 👇 To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] *ABS #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤨 5 reasons your home loan could be rejected 🤨 No one enjoys a knock back – especially on something as important as a home loan. Below are 5 key reasons why lenders may give your loan application the thumbs down: ⛔️ Your credit score is too low ⛔️ You don’t have enough deposit ⛔️ Your income doesn’t pass the serviceability test ⛔️ You don’t have genuine savings ⛔️ The loan isn’t right for your needs. Skip the rejection slip. Call us today for help getting the green light for your home loan. To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 What to do if your home loan rate starts with a ‘6’ 🏡 Checked your home loan rate lately? 🤔 The average variable rate is around 6.6%*... But who wants to be average? 🤨 Many other mortgage holders are paying less - we're still seeing rates starting with a ‘5’. 😮 Each month, up to 26,000 to 30,000 Aussies are potentially putting extra cash back in their pocket by refinancing to a cheaper loan or lender. Why wait? Call us today to find out how much you could potentially save by making the move. 👇 To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] *Mozo #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🙌 Game on! Help to Buy scheme set to kick off in 2024 🙌⁣ ⁣ Here’s what we know so far about the Help to Buy scheme so far. 👇⁣ ⁣ 1⃣ Help to Buy will support 10,000 low and middle-income earners buy a home each year for the next four years - and it’s not limited to first homebuyers.⁣ ⁣ 2⃣ The federal government will share a stake in your home - up to 40% of the value of a new place, or 30% of an established home.⁣ ⁣ 3⃣ That means no LMI, and a far smaller home loan, with possible savings of up to $380,000.⁣ ⁣ To be eligible you need to:⁣ ⁣ ✅ Be an Aussie citizen⁣ ✅ Have a minimum 2% deposit⁣ ✅ Earn no more than $90,000 annually singles, or $120,000 couples.⁣ ✅ Property price limits also apply.⁣ ⁣ Help to Buy is set to be popular - so call today to see how you can be ready when the scheme kicks off next year.⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏠 How much could you slash from your home loan? 🏡⁣ ⁣ Part of a broker’s service involves contacting your current lender to negotiate a lower rate. 🤝⁣ ⁣ But if they don’t come to the party, real savings action can lie in refinancing. 💰⁣ ⁣ Mozo has done the sums on the savings potential of switching from the average variable rates (6.60% for owner-occupiers; 6.96% for investors) to one of the lowest rate loans on the market. ⁣ ⁣ They found that homeowners and investors in capital cities across the country who switch to a new lender can slash their repayments by $474 per month, on average. ⁣ ⁣ That’s as much as $5,691 annually. 😮⁣ ⁣ So if it's been a while since you asked for a discount, or refinanced, get in touch today and we'll help you out. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 Flexibility: what Aussies want most in a home loan 🏘⁣ ⁣ New CommBank research* shows 7 out of 10 people want a flexible home loan. 😁⁣ ⁣ ✅ Half want to save on interest with multiple offset accounts⁣ ✅ Over a third want to change loan repayment dates⁣ ✅ One in three want to change their repayment frequency.⁣ ⁣ Plenty of home loans offer tailored options to suit your preferences. ⁣ ⁣ Instead of getting tied up in knots with a mortgage that has no give, call us to discover just how flexible home loans can be. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🛻 Yank tanks vs the traditional Aussie ute 🤔⁣ ⁣ There's no denying we've seen an influx of oversized American utes on Aussie roads recently, such as the RAM 1500 and Chevrolet’s Silverado. 🛻⁣ ⁣ The RAM 1500 Express has a whopping maximum braked towing capacity of 4,500kg. 🛥⁣ ⁣ That's 1,000kg more than the utes Aussies traditionally love, such as the Toyota HiLux and Ford Ranger (still the two top-selling vehicles in Australia). 😮⁣ ⁣ But is it overkill? 🤔⁣ ⁣ Well, we're not here to judge! We're simply here to help you get finance. 🤝⁣ ⁣ So whether you need finance for a RAM, Chevy, Ford, Toyota - or on the other side of the spectrum, an EV Tesla - we can help you source finance for it. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤝 Aussies flock to mortgage brokers for a helping hand 🤝⁣ ⁣ An avalanche of rate hikes has supersized home loan repayments. 🏡⁣ ⁣ But smart homeowners aren’t panicking - they’re reaching out to professionals for expert help. 😎⁣ ⁣ A recent MFAA survey found 95% of mortgage brokers are meeting with homeowners who are seeing a broker for the first time. ⁣ ⁣ And they’re being rewarded with valuable savings 👇⁣ ⁣ ✅ 88% of brokers have successfully secured a rate discount for their customers this year.⁣ ✅ 81% have helped their customers refinance to a new lender.⁣ ⁣ If you’re struggling with mortgage repayments, you don’t have to go it alone. 😀⁣ ⁣ Skip the stress, and let us do the hard yards for you. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🌘 Are you in the dark about your fixed rate home loan? 🌘⁣ ⁣ The next 18 months will see one million borrowers come off a super-low fixed rate. 😮⁣ ⁣ Crazy thing is, one-in-10 people don’t know when their fixed rate will end*. 😅⁣ ⁣ Why does that matter? 🤔⁣ ⁣ Because skyrocketing rates could supersize your loan repayments by $1,677 each month (on an average home loan of $580,247) once a fixed⁣ rate ends.⁣ ⁣ But forewarned is forearmed.⁣ ⁣ Call us today to know for sure when your fixed rate will end, and we can help illuminate a path ahead for you.⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ * Finder survey⁣ ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤿 Property investors are diving headfirst back into the market 🤿⁣ ⁣ After taking a bit of a breather, investors are buying up big again. 📈⁣ ⁣ Lending to property investors totalled close to $9 billion in June alone* - that's up 97% from a year prior.⁣ ⁣ Why the flurry of investor interest?⁣ ⁣ ✅ Property values are rising**⁣ ✅ Vacancy rates are wafer thin – just 1.3% nationally ⁣ ✅ Capital city rents are up close to 20% over the last year***.⁣ ⁣ It’s a combo many investors can’t seem to resist.⁣ ⁣ If you’re thinking about taking the plunge and buying a rental place, you may not need a cash deposit. 🤔⁣ ⁣ Your home equity could help you become an investor - and you could be surprised at what your home is worth. 😮⁣ ⁣ Call us today to know your borrowing power, and take the first steps to becoming an investor yourself. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ *ABS, **CoreLogic & SQM research⁣ ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🤔 Could opting for a unit be your way into the property market? 🤔⁣⁣⁣⁣ ⁣⁣⁣⁣ Saving for a deposit and finding an affordable house while trying to escape renting... The struggle is real. 😞⁣⁣⁣⁣ ⁣⁣⁣⁣ But changing your wish list from house to unit may help you get your foot in the door sooner. 👞⁣⁣⁣⁣ ⁣⁣⁣⁣ The national average price of a unit is 30% cheaper than the average Australian house price of $725,000.⁣⁣⁣⁣ ⁣⁣⁣⁣ With a lower price comes a lower deposit which makes it easier to get in the game. 👍⁣⁣⁣⁣ ⁣⁣⁣⁣ And while many of us would prefer a house, buying a unit can be a great first stepping stone to that ultimate goal. 🥅⁣⁣⁣⁣ ⁣⁣⁣⁣ So if you’re looking to get off the renting merry-go-round and into your own home, give us a call today. 📞⁣⁣⁣⁣ ⁣⁣⁣⁣ We can clue you in on all the government incentives to fast-track your property purchase and make savings. 🤑⁣⁣⁣⁣ ⁣⁣⁣⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣⁣⁣⁣ *realestate.com.au ⁣⁣⁣⁣ ⁣⁣⁣⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🌸 The spring selling property season is upon us! 🌸⁣ ⁣ It's time to get your spring time auction game on 🔨⁣ ⁣ Spring sees plenty of homes sold under the hammer, which means now is the time to get in touch with us to make sure you're auction ready. 🤝⁣ ⁣ We can help you with loan pre-approval, which helps you set a buying budget and bid with confidence. 😎⁣ ⁣ It also means you don't have to scramble to arrange finance after the hammer falls. 🔨⁣ ⁣ Even better, loan pre-approval usually lasts for 3-6 months, so you’re good to go for the whole of spring (and possibly summer!). ☀⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

💸 Refinancing takes off as it hits record levels 💸⁣⁣⁣⁣⁣ ⁣⁣⁣⁣⁣ Between March and June we've seen some seriously impressive mortgage refinancing numbers. 📈⁣⁣⁣⁣⁣ ⁣⁣⁣⁣⁣ In fact, two of those months (March & May) were the biggest on record. 🥇⁣⁣⁣⁣⁣ ⁣⁣⁣⁣⁣ Recently, certain lenders reduced serviceability buffers for specific refinancers who don’t meet the standard serviceability test. ⁣⁣⁣⁣⁣ ⁣⁣⁣⁣⁣ And this is believed to be driving the record increase. ⁣⁣⁣⁣⁣ ⁣⁣⁣⁣⁣ With these changes, more people may be eligible to escape their mortgage prison. ⁣⁣⁣⁣⁣ ⁣⁣⁣⁣⁣ So if your mortgage has you feeling the crunch, chat with us to see if you’re eligible to refinance and save. 🤑⁣⁣⁣⁣⁣ ⁣⁣⁣⁣⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣⁣⁣⁣⁣ *ABS⁣⁣⁣⁣⁣ ⁣⁣⁣⁣⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🐈‍⬛ Sneaky rate hikes - is your lender behind them? 🐈‍⬛⁣ ⁣ Home loan borrowers beware: the cash rate may be on hold but that hasn’t stopped behind-the-scenes rate hikes. 😮⁣ ⁣ And some of the nation’s biggest banks are behind the sneaky rate rises. 🏦⁣ ⁣ So what can you do? 🤔⁣ ⁣ ✅ Get in touch with your lender⁣ ✅ Know for sure the rate you’re paying⁣ ✅ Ask for a discount.⁣ ⁣ Even a small rate rise can add hundreds of extra dollars each year to your repayments. 💰⁣ ⁣ But you don’t just have to wear a higher rate. ⛔️⁣ ⁣ It is possible to pounce on a good offer and give sneaky rate hikes the flick. 👍⁣ ⁣ Get in touch to know if your lender is raising rates behind your back - and how you can potentially save. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏘 Thinking of building a granny flat out the back? 🏘⁣ ⁣ Season 19 of The Block is breathing new life into an old favourite. 🤔⁣ ⁣ Yes, granny flats are making a comeback. 🙌⁣ ⁣ Is it a genius plan or a blockhead of an idea? 😅⁣ ⁣ Here’s what to weigh up. ⚖⁣ ⁣ ✅ Council views around granny flats differ widely - some love ‘em, some loathe ‘em. Know the rules.⁣ ✅ Renting out a granny flat can make part of your home subject to capital gains tax.⁣ ✅ Draw up a realistic budget for a granny flat. And importantly, consider how you’ll fund it.⁣ ✅ A home loan top-up, a construction loan, or a personal loan are all options to add a granny flat to your backyard.⁣ ⁣ Give us a call to discover what finance options are available for you (and granny). 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🥊 How home owners are fighting higher rates 🥊⁣ ⁣ After 12 gruelling rounds of rate hikes, home owners are fighting back. 🤺⁣ ⁣ Research* reveals one-in-two Aussies are strapping on their gloves and delivering a solid right⁣ hook to high interest rates.⁣ ⁣ Some of the strategies home owners are taking include:⁣ ⁣ ✅ Asking their current lender for a discount (and being prepared to walk away if it's not given).⁣ ✅ Refinancing to a lower-rate loan with another lender.⁣ ✅ Tapping into redraw or offset funds they saved up when rates were lower.⁣ ⁣ If you need help delivering a knock-out blow to rising interest rates, get in touch today. 😁⁣ ⁣ We're in your corner - not the bank's! 👍⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ * Canstar⁣ ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🏡 It’s shaping up as a sweet spring selling season 🌸⁣ ⁣ Homebuyers and investors this spring are set to be like a kid in a candy store - spoiled for choice. 🍭⁣ ⁣ New listings bucked the usual mid-winter slump and are up 13.2% this year*, driven mostly by a 17.9% rise across the capital cities. 📈⁣ ⁣ It’s great news for buyers, who now have more choice - especially as we've now officially hit spring selling season. 🌺⁣ ⁣ The catch? 🎣⁣ ⁣ The number of homes listed for sale is still down on normal levels. ⬇⁣ ⁣ So buyers will need to act fast and have their finance pre-approved. 👍⁣ ⁣ And that's where we can help out. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ *CoreLogic⁣ ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

👯♀ Buying with a bestie - how to keep it sweet 👯♀⁣ ⁣ Friends looking to buy a first home together can now benefit from the First Home Guarantee.⁣ ⁣ It lets you join forces with a friend to buy with just a 5% deposit (and no lenders' mortgage insurance!).⁣ ⁣ Teaming up with a friend can boost your borrowing power, but mates and money can be a tricky mix.⁣ ⁣ So here are a few steps to help keep things sweet:⁣ ⁣ ✅ Only buy with someone you completely trust⁣ ✅ Work out if everything will be split evenly or if one person will have a bigger share⁣ ✅ Consider a written agreement that sets out how co-owning will work.⁣ ⁣ Also, sharing a home doesn’t have to mean sharing a loan. There are a variety of ways for co-owners to set up their finances. 😁⁣ ⁣ We can explain the options available to help you get into the market sooner by buying with a buddy. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

✌ Is it time to reclaim your home loan zen? ✌⁣ ⁣ Stressed about the interest rate on your home loan? You’re not alone. 🤔⁣ ⁣ Research shows* seven-in-10 homeowners are concerned about meeting mortgage repayments. ⁣ ⁣ But here’s the rub.⁣ ⁣ The majority of homeowners aren’t reaching out for help. 🤝⁣ ⁣ A few simple steps can release the pressure valve:⁣ ⁣ ✅ Find your bearings - know the rate you’re currently paying⁣ ✅ Check your home loan is right for you - are you paying for loan features you’re not using?⁣ ✅ Talk to us - we can see if a better deal is available.⁣ ⁣ Plenty of research shows people who draw on expert advice are less financially stressed and make better decisions. 😁⁣ ⁣ Call us for ideas on strategies that can help you rekindle your home loan zen. 👇⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected]⁣ ⁣ *AMP Bank⁣ ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate

🍏 What’s the most important feature of a business loan? 🍊⁣ ⁣ Sure, everyone wants a super-low rate, but sometimes it's more important to have flexible repayment timeframes built-in. 📆⁣ ⁣ Especially so if your business has cash-flow challenges. 💁⁣ ⁣ Interestingly, a recent survey* found that one-third of SME owners said they would more likely choose a lender with more flexible repayment options.⁣ ⁣ That included the ability to repay loans earlier, extend repayment periods, or make no repayments for a given time (ie. up to 8 weeks). 😮⁣ ⁣ So if your business is in need of flexible funding (with a low rate too, of course), drop us a line today and we'll bend over backwards 😅 to help sort you out.⁣ ⁣ To find out more, DM us or contact The Finance Room on: ☎ – 0418 803 296 💻 – [email protected] ⁣ * Prospa survey⁣ ⁣ #thefinanceroom #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #mortgagebroker #refinancing #firsthomebuyers #finance #loan #glenelgsouth #glenelgsouthproperty #glenelgsouthrealestate #glenelg #glenelgproperty #glenelgrealestate #adelaide #adelaideealestate #adelaideproperty #southaustralia #southaustraliaproperty #southaustraliarealestate