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The RBA has raised the cash rate to 4.85%.

With everyday costs already stretching budgets, another rise can feel like a lot.

If you own a home, a loan review could uncover options worth considering.

If you’re planning to buy, checking your borrowing capacity can help you understand what’s manageable.

Get in touch to talk through your next step.

General information only. It does not take into account your objectives, financial situation or needs. Credit is subject to lender approval.

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Happy Halloween! 👻

Wishing you a good company and the best lollies in the bowl.

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If your business has grown since your latest tax return, you might wonder how that fits into a home loan application.

Some lenders may consider more recent financial information too. What they accept and how they assess it will vary.

A busy few months won’t automatically mean a bigger loan, but it’s worth exploring.

Let’s talk about the documents that could help explain your current position.

General information only. Finance is subject to assessment and lender criteria.

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Before trading in, compare what your car is worth with the amount needed to pay off its loan.

A $25,000 trade-in with a $30,000 loan payout leaves a $5,000 gap.

That money still needs to come from somewhere. Don’t assume the new loan will cover it.

Let’s check the old loan before planning the new wheels.

Illustrative example only. General information only. Finance is subject to assessment and lender criteria.

#MortgageBroker #EVFinance #CarFinance #ElectricVehicles #VehicleTradeIn ...

The rent helps pay the loan. Until there’s a gap between tenants.

Loan repayments and property expenses keep coming, even when the property is empty.

Before buying, check how your budget would handle a vacancy, an unexpected repair or both at once.

Let’s look at the borrowing costs with some breathing room built into the numbers.

General information only, not investment or tax advice. Finance is subject to assessment and lender criteria.

#MortgageBroker #InvestmentProperty #InvestmentLoans #PropertyFinance #PropertyInvesting ...

A balloon payment is a lump sum due at the end of some car loans.

It can make the regular repayments smaller but that final amount still needs paying. Selling the car might not cover it and getting another loan isn’t guaranteed.

Before saying yes, check the repayments, total cost and what’s due at the finish line.

Got a car finance quote? Let’s take a look.

General information only. Finance is subject to assessment and lender criteria.

#MortgageBroker #CarFinance #CarLoans #BalloonPayment ...

$80,000 saved doesn’t mean an $80,000 deposit.

Buying costs like legal fees, inspections and any stamp duty may come from the same savings.

Plan for three things: your deposit, buying costs and a buffer for life after settlement.

Let’s check the numbers before you make an offer.

General information only. Eligibility and lending criteria apply. Fees and charges may apply.

#MortgageBroker #FirstHomeBuyer #HomeDeposit #HomeBuying #HomeLoans ...

Australia’s national Home Value Index fell 1.1% in September, marking the sixth month in a row of declines. Every capital city except Darwin recorded a fall.

So, what could that mean for you?
• Buying? Softer prices and less competition may give you more choice and negotiating power.
• Already own? Changes in value could impact your equity and refinancing options.
• Investing? Lower prices may open up opportunities, but interest rates, holding costs and cash flow still matter.

Thinking about your next move? Get in touch and we can look at what the current market could mean for your plans.

General information only. It does not take into account your objectives, financial situation or needs.

#MortgageBrokers #PropertyMarketUpdate #HomeBuyers #Homeowners #PropertyInvestors #HomeLoans ...

Even profitable businesses can experience periods where money going out doesn’t line up perfectly with money coming in.

Working capital finance may help eligible businesses manage short-term expenses, seasonal demand or temporary cash flow gaps.

The right option depends on your business needs, financial position and how the funding will be used.

#MortgageBroker #WorkingCapital #CommercialFinance #CashFlow #BusinessFinance ...

The RBA has raised the cash rate to 4.60%, its fourth increase this year.

Inflation is still running high, which is keeping pressure on rates.

For home buyers, that can mean lower borrowing power and higher repayments.

For homeowners, variable repayments may rise again, while fixed-rate borrowers should keep an eye on when their fixed term ends.

If you’re unsure what this means for your home loan or property plans, message us today.

#MortgageBroker #RBA #CashRateUpdate #InterestRates ...