🏡💰Rentvesting: Living your best life, while investing wisely.
Own where it counts, rent where it's cozy.
It's the smart play for today's market – locking in prices without locking yourself in.
Ever tried rentvesting? Share your story! 🤔💬
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If you're still renting, you've probably got at least one well-meaning Uncle who asks you "Why pay back someone else's mortgage when you can pay back your own?"
We hate to say it, but they're onto something. They're alluding to the fact that buying a house, and making your home loan repayments, builds equity.
Equity is the difference between the value of your property, and the size of your mortgage. It increases as you pay back your loan, and as property prices increase.
This is why buying makes so much more sense to us than renting, because your home loan repayments build your equity - not someone else's. Reach out if we can help you build your equity! 📲🏡
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Here are some questions for you to consider when choosing a home loan:
☑️ Am I getting a fair rate?
☑️ Will I use all the bells and whistles?
☑️ Does the lender align with my values?
☑️ Will I get approved, and in time?
☑️ What fees and charges will I have to pay?⠀
We help you uncover the answers to these questions and more, to narrow down the thousands of home loan options available. Reach out and get started today! 📲🏡
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Let's start with a caveat: what's best for you will depend on your unique situation. You're welcome to get in touch with us for expert guidance.
An Offset account operates like a transaction account, with one difference - the funds in your offset account are 'offset' against the balance of your loan. Interest is calculated against this lesser amount, so the more funds in your offset account, the less interest you pay. To maximise the interest-saving benefits you may want to have your salary deposited straight to your offset account, and/or any big one-off payments.
A Redraw facility on the other hand, allows you to make additional repayments on your loan, which you can then access later if you need to (for renovations, holidays, purchasing a car, emergencies).
Both of these options have distinct advantages and disadvantages.
It all comes down to being smart about how to use them and being aware of all the fees, exceptions and tax implications (speak to your accountant on all tax matters)! 📲🏡
#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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Conveyancing is the legal process of transferring a land title from one owner to another, and it can be quite a process!
We absolutely recommend you enlist the help of a professional conveyancer to navigate through the red tape, and ensure you're protected throughout the property transaction.
We work with several local conveyancers, and can recommend one who'll make sure all the T's are crossed and I's are dotted.
Keep in mind a conveyancer and the various government fees will cost anywhere between $1k - $3k, so something to factor into your plans! 📲🏡
#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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