We've all seen house prices soar in recent years, so it probably won't come as a surprise to learn there are only 671 capital city suburbs with a median house price of less than $1 million.
But it's not all doom and gloom. Get in touch and we can help you understand how much you might be able to borrow to secure a home of your own.
Where there's a will, there's a way!
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For most of us, a home loan is the key to buying property, but there's a fortunate cohort who are paying cash for their new homes.
In the 2024 financial year, 25% of homes were bought without a mortgage in Australia's biggest states, NSW, VIC and QLD.
🌳🌊 Downsizers, treechangers, and seachangers are leading the way, snapping up regional properties without the need for a mortgage.
If your goal is to be mortgage-free sooner, get in touch and we can explore your options together.
#bestinterestbrokers #mortgagebrokers #mortgage #broker #finance #InterestRates #HomeLoans #businessloans #bridgingloans #constructionloans #Smsfloans #equipmentfinance #personalloans #refinancing #purchasing #investing #homeownership #lendingexperts #northernbeachesmums #nswproperty #nswrealestate #goldcoastmums #qldrealestate #queenslandhomes #accountants
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As if keeping track of the property market wasn’t a full-time job in itself! When you buy a property, it’s more than just the advertised price you’ll need to factor in to your plans.
There’s no such thing as a free lunch, and many lenders charge you a fee for the privilege of applying for a home loan - this is why we do such extensive research, so that you only have to apply once!
Other costs at play may include:
☑️ Property valuation
☑️ Stamp Duty
☑️ Mortgage registration
☑️ Registration of transfer
☑️ Building & Pest inspection
☑️ Conveyancer/Solicitor fees
☑️ Lenders mortgage insurance (not always applicable)
Reach out if you'd like help working out how much to set aside for these costs! 📲🏡
#bestinterestbrokers #mortgagebrokers #mortgage #broker #finance #interestrates #homeloans #businessloans #bridgingloans #constructionloans #smsfloans #equipmentfinance #personalloans #refinancing #purchasing #investing #homeownership #lendingexperts #northernbeachesmums #nswproperty #nswrealestate #goldcoastmums #qldrealestate #queenslandhomes #accountants
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Breaking into the property market is no small thing. To qualify for a loan, you usually need a decent sized deposit, which can be hard to save up for when you're paying rent.
Using a guarantor may make sense for you if:
☑️ You don't have a 20% deposit, and you want to avoid paying that extra insurance (LMI), and
☑️ You have a close family member who's willing to put their own property up as security.
A guarantor can give you the boost up the property ladder you need. And the good news is that once you've built up enough equity in the property, your guarantor can be released from their commitment.
Get in touch if you'd like to understand the ins and outs of how it works, and for tips on how to broach this subject with your potential guarantor! 📲🏡
#bestinterestbrokers #mortgagebrokers #mortgage #broker #finance #InterestRates #HomeLoans #businessloans #bridgingloans #constructionloans #Smsfloans #equipmentfinance #personalloans #refinancing #purchasing #investing #homeownership #lendingexperts #northernbeachesmums #nswproperty #nswrealestate #goldcoastmums #qldrealestate #queenslandhomes #accountants
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In the ultra competitive world of finance, lenders are everywhere, vying for your attention, and pulling out all the stops to lock you in.
The question becomes how to know what's going to serve your best interests?
Seek out a broker who isn’t just another face in the crowd but someone who genuinely invests time to grasp your individual situation and will guide you towards a strategy that fits your property ambitions.
Yep, you guessed it – that’s us! We’ve got your back, every step of the way. Get in touch to book your no strings chat 📲🏡
#bestinterestbrokers #mortgagebrokers #mortgage #broker #finance #interestrates #homeloans #businessloans #bridgingloans #constructionloans #smsfloans #equipmentfinance #personalloans #refinancing #purchasing #investing #homeownership #lendingexperts #northernbeachesmums #nswproperty #nswrealestate #goldcoastmums #qldrealestate #queenslandhomes #accountants
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