Newsletter – September 2017

Spring is here and that means that the real estate selling season is about to get busy. There seems to be a bit of uncertainty in the marketplace at the moment, but there are a few things that we’re certain of… Real estate isn’t getting cheaper – the longer you wait, the higher the prices. So if you want to buy, keep your eye on your goal, get everything in place so that you’re in a good position to negotiate when you find the right Read More +

Newsletter – August 2017

Buying a home used to be a simple process. You see the house, you inspect and you purchase. Done. But times have changed and the level of competition in the housing market means that it’s rarely that easy. More and more often clients are telling me how challenging and time consuming it has been to buy the right property. Whether it be at auction or private sale, the common theme is many people struggle to secure the right home in the right location at the Read More +

Newsletter – July 2017

Happy New Financial Year! This is the ideal time to take control, set goals and take stock of your financial position. Here’s my top tips to help you take stock: Put together a good working (realistic!) budget. Take a look at where your disposable income is going. Do you have leaks? Calculate your debt and note the interest rate. Is this too high? Could you consolidate or re-finance? What are you doing with surplus funds? Are they working for you? Do you have an investment plan Read More +

Stamp duty savings – important information for First Home Buyers

We were about to write an article explaining what the upcoming changes are for stamp duty, but John McGrath did it so well that we’re quoting him! “The third instalment of Government measures to address the affordability struggle in Sydney and Melbourne has been delivered, with the NSW Government announcing a package of reforms commencing July 1. This follows announcements by the Federal and Victorian Governments in recent months. The primary goal of these measures is to help first home buyers. All three governments are using Read More +

Newsletter – June 2017 – help for first home buyers

In a bid to help first home buyers with housing affordability, there’s some great news from the NSW Government regarding stamp duty and first home owners grants. From 1st July 2017, there will be no stamp duty payable on properties up to $650,000 for Australian owner occupiers and there will be First Home Owners grants available for new properties. The savings are summarised below: This is great news for first home buyers and we’d love you to share with friends, family or colleagues who are trying Read More +

Love Home Loans is now offering car and asset loans!

At Love Home Loans we’re excited to announce that we have partnered with Australia’s largest asset finance brokerage, stratton to bring you a full range of financial products and services. You can now keep all your loans under one roof! We can help you compare finance options from a range of lenders to find the right package for you or your business – just like we help you with your property finance. What we offer Market leading rates Option of no early termination fees or payout penalties No Read More +

Newsletter, April 2017 – Interest only loans

There’s been a lot of talk in the media lately about affordability of home loans, particularly interest only loans. Whilst there are benefits of paying interest and principle, there also are benefits of interest only loans – particularly for investors due to the tax benefits offered. Interest only loans do have special conditions, they often have a higher interest rate, more restrictions and a fixed term (such as 5 years) before reverting back to principal and interest repayments . What we need to ensure is Read More +

Tales of a borrower

My name is Justine Bennett and I just have to tell you about my experience with Love Home Loans. I’ve been working with Michael for the past five years – helping him with his marketing and all kinds of things. I’m writing this newsletter without him knowing, so ssshhh – don’t tell him! I’ve always known he was pretty passionate about getting loans for people. It sounds like he does a great job because he loves what he does. And I thought he was good Read More +

Newsletter, March 2017 – Update

As you probably heard yesterday, the official cash rate remains unchanged, but as we’ve seen over the last 3-5 years, lenders interest rates have not always moved in line with the RBA cash rate due to cost of funds. It does suggest that there is a bit more stability in the economy, although we would like to see more than just the property market grow. Over the past 18 months there has been significant change to lending criteria, enforced by governing body APRA. This is Read More +

Newsletter, February 2017 – Is it time to re-finance?

What a busy start to the year! The auction season kicked off last weekend with record numbers of homes going under the hammer, with good supply and demand. As Aussies, we love nothing more than putting our earnings into bricks and mortar – either to live in ourselves or as an investment. We understand that people will always need homes and with continuing population growth and development of infrastructure, it’s a pretty sound investment. The key to buying is to get everything sorted BEFORE you find Read More +