The idea of budgeting can feel daunting, especially if youโve never done it before - it might even seem like it will take all the fun out of life.
However, a well-structured budget is designed to strike the right balance, including room for enjoyable and discretionary spending. After all, sustainable budgeting isnโt about depriving yourself; itโs about creating a plan that supports your goals while still allowing you to enjoy life.
Does your budget include space for fun and leisure? Let us know, weโd love to hear your thoughts! ๐ฒ
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When purchasing an apartment or townhouse, itโs important to account for strata fees in your budget.
These fees cover the insurance, upkeep, and maintenance of shared spaces within the complex, such as pathways, pools, gardens, and stairwells. Depending on the property, strata fees can range from $500 to $3,000 per quarter, making them a significant factor in your overall costs.
Have questions? Reach out todayโwe're here to help! ๐ฒ๐ก
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Making extra repayments on your home loan can significantly reduce both the term of your loan and the total interest paidโthanks to the compounding effect of interest.
For example, on a $750,000 loan with a 5% interest rate over a 30-year term, contributing just an additional $100 per month could help you repay your loan 16 months earlier and save over $30,000 in interest.
These figures are indicative and may vary depending on your specific loan.
If you'd like assistance calculating the potential impact of extra repayments on your mortgage, feel free to get in touch! ๐ฒ๐ก
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The 'best' home loan is one that aligns with your unique circumstances, supports your lifestyle, and helps you achieve your financial goals.
With access to a panel of over 50 lenders, we understand that thereโs no one-size-fits-all solution. Our goal is to find the loan that best suits your needs.
Reach out today to explore your options and take the next step toward your financial goals! ๐ฒ๐ก
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Refinancing your home loan can be a strategic move, but it's not a one-size-fits-all decision. Your unique circumstances and financial goals play a crucial role in determining whether itโs the right choice for you.
Here are three key questions to consider:
1๏ธโฃ ๐๐ฅ๐ข๐ ๐ง๐ฆ๐๐ง๐ญ ๐ฐ๐ข๐ญ๐ก ๐๐จ๐ฎ๐ซ ๐๐ญ๐ซ๐๐ญ๐๐ ๐ฒ: Does the new loan support your broader property or financial goals?
2๏ธโฃ ๐๐จ๐ฌ๐ญ๐ฌ ๐ฏ๐ฌ. ๐๐๐ง๐๐๐ข๐ญ๐ฌ: Will the savings from switching outweigh costs such as exit fees, valuation charges, and application fees?
3๏ธโฃ ๐๐ฆ๐ฉ๐๐๐ญ ๐จ๐ง ๐๐จ๐ฎ๐ซ ๐๐ซ๐๐๐ข๐ญ: Could this application affect your credit score, and how might that influence your financial plans?
Refinancing can unlock significant opportunities, but careful evaluation is essential. Get in touch to discuss your situation and explore options! ๐ฒ๐ก
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