MJH Finance

Think of pre-approval as a written confirmation from a lender that they're willing to loan you a certain amount of money to buy a property, provided you meet certain conditions. Keep in mind not all pre-approvals are created equal. Some are system-generated and won't factor in your full situation. Others will be based on a more complete assessment – and therefore a better reflection of how likely you are to secure formal approval. Here's why you might want to secure pre-approval before you make an offer on a property: Know your borrowing capacity: Get a clear idea of the amount you can borrow, so you can narrow down your property search. Negotiating power: Show the seller you're a serious buyer who has already been assessed by a lender. Avoid delays: Provide the lender with most of the info they need to assess your loan upfront, to make the formal approval process more seamless. Peace of mind: In 2024, is there anything worth more than certainty? Pre-approval gives you a clearer view of your options. Get in touch to secure your pre-approval. #MJHFinanceqld #toowoomba #toowoombaregion #toowoombalife #toowoombaproperty #mortgagebrokerqld #mortgagebrokeraustralia #homeloans

When deciding on a home loan, the interest rate is understandably what most of our clients first consider. The thing is, sometimes when you go with a product that has the lowest interest rate, you forgo other features that could benefit you in the longer term. We'll definitely advocate for the lowest interest rate possible, but always in a way that balances all your needs, today and into the future. Let us know if you want us to crunch the numbers with you. #MJHFinanceqld #toowoomba #toowoombaregion #toowoombalife #toowoombaproperty #mortgagebrokerqld #mortgagebrokeraustralia #homeloans

Latest data from CoreLogic confirms what we're all noticing: real estate is going great guns. If you're keen to climb the property ladder, reach out for personalised guidance on how you can make it happen. #MJHFinanceqld #toowoomba #toowoombaregion #toowoombalife #toowoombaproperty #mortgagebrokerqld #mortgagebrokeraustralia #homeloans

If you're running a fairly new business and are keen to buy a home of your own, you may be feeling like the banks either don't want to talk to you or that they simply won't understand your income. In an ideal world, you'd be able to provide two years worth of tax returns, however there are always exceptions. Speak to us to get a clearer understanding of your options. #MJHFinanceqld #toowoomba #toowoombaregion #toowoombalife #toowoombaproperty #mortgagebrokerqld #mortgagebrokeraustralia #homeloans

In a world where we're always being reminded to hustle, work harder, do more, strive further, it can feel counter-intuitive to make time to do absolutely nothing. This is your reminder to unplug to recharge. #MJHFinanceqld #toowoomba #toowoombaregion #toowoombalife #toowoombaproperty #mortgagebrokerqld #mortgagebrokeraustralia #homeloans

Thank you for your feedback, Mark! It was our absolute pleasure to help you. "Michael and his team have provided exceptional service for us in getting our home loan. MJH Finance have made possible what seemed impossible. The journey from signing the land contract to build completion took 3 years, and during that time MJH were able to pivot products and finance options to get us the best deal available. I would highly recommend Michael, Dianne and Stacie and thank them for their perseverance and dedication to their customers." #MJHFinanceqld #toowoomba #toowoombaregion #toowoombalife #toowoombaproperty #mortgagebrokerqld #mortgagebrokeraustralia #homeloans

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. #MJHFinanceqld #toowoomba #toowoombaregion #toowoombalife #toowoombaproperty #mortgagebrokerqld #mortgagebrokeraustralia #homeloans

There aren't many more months until Christmas, but why not close this year out with a bang – and in your new home? Here’s how we work together: we handle all the paperwork and guide you through the entire mortgage maze, from start to finish. We’re talking strategy, research, loan applications, lender negotiations, liaising with your conveyancer – the works. We save you time, cut the hassle, and give you the peace of mind that comes with knowing a professional has your back. Ready to make it happen? Get in touch and let's explore your options. #MJHFinanceqld #toowoomba #toowoombaregion #toowoombalife #toowoombaproperty #mortgagebrokerqld #mortgagebrokeraustralia #homeloans

Buying a home is no small thing, and you definitely want to go into it with eyes wide open. Getting a building inspection is all part of doing your due diligence, and not as scary as it sounds. A building inspection will need to be carried out by a licensed, qualified person who has experience inspecting buildings in your area. They'll provide you with a detailed report, which will give you insight into whether there are any issues with the home. These reports will cost anywhere from $400 to $1000, so something to factor into your budget. Without this report, you'd be flying blind on whether there are any nasty surprises hiding within your 'dream home'. #MJHFinanceqld #toowoomba #toowoombaregion #toowoombalife #toowoombaproperty #mortgagebrokerqld #mortgagebrokeraustralia #homeloans

It's no secret that the property market is incredibly competitive, with homebuyers and seasoned property investors often bidding side-by-side. If you're wondering how to get that competitive edge, here are a few things to consider: ◼️ Get pre-approval. This will give the seller confidence the offer won't fall through ◼️ Be flexible with the settlement date. All other things being equal, the seller might appreciate having a bit more wriggle room. ◼️ Enlist a buyer's advocate. The guidance of a trusted property professional could help you negotiate terms that work for both you and the seller. Get in touch to organise your pre-approval now. #MJHFinanceqld #toowoomba #toowoombaregion #toowoombalife #toowoombaproperty #mortgagebrokerqld #mortgagebrokeraustralia #homeloans