Ever noticed how those online 'borrowing power' calculators ask how many dependents you have? This is because caring for children will impact how much the banks are willing to lend you. Roughly speaking, each child you have under your care will reduce your borrowing capacity by $70k. Get in touch if you'd like help understanding what size loan you might qualify for. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes
Get Smart Financial
Financial Services
Melbourne, Victoria 181 followers
The secret to our success is your success!
About us
At Get Smart Financial, we listen to our clients and customise a financial solution to assist them in reaching their financial goals sooner. Working with sound business partners to enable a wide range of resources to choose from, we offer customised and ethical solutions to achieve objectives, for residential and commercial purposes. Irrespective of how big or small the project is, we partner with our clients, to assist them in achieving the best possible outcome available, and at market leading rates. Looking to chat? Book a meeting with me 👉 https://calendly.com/getsmartfinancial/30mins-with-getsmartfinancial
- Website
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https://www.getsmartfinancial.net.au/
External link for Get Smart Financial
- Industry
- Financial Services
- Company size
- 2-10 employees
- Headquarters
- Melbourne, Victoria
- Type
- Self-Employed
- Founded
- 2009
- Specialties
- mortgage broking, residential home loans, investment home loans, first home buyer loans, refinancing home loans, self employee specialist, complex finance specialist, car loans, commercial loans, budgeting and savings plan, and personal loans
Locations
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Primary
Melbourne, Victoria, AU
Employees at Get Smart Financial
Updates
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Rejection stings. The last thing anyone wants to happen when applying for a home loan is to get knocked back. Here are five reasons this could happen: - You've got a bad credit rating - You don't have enough of a deposit - You haven't been in your job for long enough - Your spending habits are out of control - You're buying an apartment that doesn't meet the bank's requirements Just five reasons why speaking with us well before you apply for a loan is the best course of action. We have your interests at heart and will be able to help you put your best foot forward. Send us a DM to get started. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes
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News outlets are madly competing for your attention and the headlines are designed to draw you in. And what draws people in far better than a balanced reporting of facts could ever do? Panic, doom and gloom, extreme views, sensationalism. Next time you find yourself feeling nervous about the economy, your finances, or the property market, keep in mind that overly negative commentary has been around for decades and yet: - The Australian housing market is now worth almost $10 trillion - 90% of millionaires became so through owning real estate - Home values have increased almost 50% in the last decade (at least on the East coast). Nothing like a bit of perspective. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes
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As we turn the page to a new year, we’re filled with gratitude for everyone who has been part of GSF’s story. Your trust and support have been the foundation of our growth, and we’re excited for what lies ahead. Let’s make this year one to remember—full of opportunities, success, and shared achievements. Together, we can make 2025 our best year yet! Wishing you a year of happiness, prosperity, and new beginnings from all of us at Get Smart Financial! ✨
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Wondering whether you need to get a home loan pre-approval? 🧐 Getting pre-approval is not essential, but there are certainly advantages! For example: 1. It presents you as a serious buyer to sellers. 1. It allows you to be confident in how much you can afford to borrow. 1. It can make the final home loan approval process faster. Speak to us about pre-approval today. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes
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You might recall from Year 9 Economics class - or not - that the Reserve Bank of Australia adjust the cash rate based on whether they want to contract or expand the economy. If the cost of living is increasing too quickly the RBA will tighten the flow of money by increasing the cash rate, and vice versa. So how does the cash rate relate to your home loan interest rate? Well the banks need to borrow money, too. And the cash rate basically determines how much it will cost them. When the cash rate increases, it becomes more expensive for the banks to access the funds they need. They then - more often than not - pass this on to the consumer: You. Get in touch to see if you're getting a competitive offer on your home loan. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes
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It's time to dive into the deep end – yes, that might mean eyeballing your credit card bill, peeking at your savings progress, or confronting that home loan interest rate head on. When it comes to your cash, playing the ostrich won’t cut it. Sure, it’s a bit like opening Pandora's box to scrutinise your finances, but trust us, steering the ship feels way better than drifting aimlessly. If you're ready to wrangle those debts, boost your savings, or make your home's equity work for you, get in touch. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes
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If you’re thinking about renovations, speak to the building experts first. Some may warn you about ‘over-capitalising’ – which is code for ‘you’re not going to increase the value of the property by the amount you’re spending’. It’s good advice, although it depends on your intentions for the property. It also pays to speak to an expert about the most effective way to finance renovations – there are lots of options. Let us know if you need a hand. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes