Get Smart Financial

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

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

Explore some of the benefits of refinancing your home loan: 🌟 Useful features: Do away with features you don't use, and secure a loan that helps make your money work harder. 🌟 Lower repayments: Reduce your monthly payments by securing a lower interest rate. 🌟 Cash out: Consider cashing out some of your home equity for home improvements or other major expenses. Curious about whether refinancing is in your best interests? Let's chat! #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes

The simple act of making your bed each day can be life changing. Truly. It's been linked to increased happiness, and decreased stress. The thinking is that this small, disciplined act sets off a chain reaction of other proactive, Type-A behaviours. Want to know another small, yet life-changing, act? Booking in to get your finances in order. Whether you feel overwhelmed by debt, or want to build your property portfolio, big gains start with small steps. What are you waiting for?⠀ #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes

If you’ve had your loan for more than 12 months, or your financial situation has changed, it may be worth considering refinancing. Your decision will ultimately depend on your personal situation, but common reasons for refinancing include: - Securing a lower interest rate - Accessing features such as an offset account or redraw facilities - Unlocking equity in your home to renovate, invest or travel - Consolidating your debts to make repayments more manageable Wondering whether refinancing is right for you? Get in touch to find out. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes

What big goals are you going to achieve in 2024? If they're property-related, then get in touch to get the ball rolling. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes

It's cheaper to pay off a home loan than it is to rent in 1 in 7 Australian suburbs (according to recent research from Domain). If you're ready to get off the renting wheel, get in touch to explore your options. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes

Here are a few things you should be thinking about if you're planning to apply for a home loan: 💸 Are you excess spending on non-essentials (UberEats, gambling 👀)? 💸 Are you withdrawing from your “savings” account? 💸 Do you have other debts or credit cards? Get in touch with our team to discuss how you can put yourself in the best position to get approved for a home loan in 2024! #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes

Taking out a home loan shouldn't stretch your finances to breaking point. ⠀⠀⠀ And of course people (and products) change. What's right for us one year may not be the right thing a few years down the track. This is where refinancing comes into play. When you refinance, it's not 'just' about reducing your fortnightly repayments or your interest rate. Imagine shaving years off your home loan, so that you become mortgage-free sooner!⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Get in touch to find out how. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes

Good question! It may well seem like that. Perhaps you've applied for a home loan and you've been rejected. Or you've plugged your details into a home loan calculator and your borrowing power is much less than you were hoping for. The home loan market is certainly stringent, with lenders wanting to be absolutely sure they'll be paid back, and of course that they don't fall foul with the regulator. So what can you do about it? How can you get approved for a home loan? First, you need to get your finances in order and make sure that when it comes time to applying you're giving the best impression. Second, you want to make sure you only apply with a lender that you've got a high chance of being approved with. Lenders don't advertise exactly how they assess a home loan application, which makes using a broker (us!) all the more useful. Get in touch to find out which lenders you'd have the best shot with, based on your unique needs and situation. #GetFinancial #Warrandyte #Doncaster #Donvale #Templestowe #Parkorchards #Ringwood #MortgageBrokerAustralia #MortgageBrokerMelbourne #GetFinancial #MelbourneProperty #MelbourneHomes