First Aid Finance

💡 Boost Your Savings with an Offset Account!

An offset account could be your key to paying less interest on your mortgage. It links your savings directly to your home loan, reducing the interest you owe. More savings mean less interest—simple and effective! 🚀

Want to see how it works? Reach out to First Aid Finance today and let’s get you on the path to faster mortgage repayment!

Curious about your credit score? Get in contact with us today for a free credit check.

🔍 Fixed vs. Variable Interest Rates: What’s Best for You? 🏠💸

Choosing between a fixed or variable interest rate can significantly impact your mortgage journey. Here’s what you need to know:

🎉 Unlock Tax Benefits for Your Business! 🎉

Disclaimer: 🚨 Please note that the information provided is for informational purposes only and does not constitute financial advice. We urge you to conduct your own research and due diligence, and to speak to a representative to see if the information is suitable for your individual circumstances.

Is your business missing out on valuable tax deductions? 🤔 Don't let those expenses slip away! 🚀 Discover the Instant Asset Write-Off program, designed to help eligible businesses claim deductions for asset costs in the year of purchase. 💰

Here's how it works:
✅ Eligible businesses can deduct the business portion of asset costs when first used or installed ready for use. For example, if you buy a new computer for $2,000 and use it 70% of the time for work, you can deduct $1,400 ($2,000 * 70%) from your taxable income in the same year you bought it.
✅ You can claim immediate deductions for multiple assets, as long as each individual asset costs less than the relevant threshold. So, if you buy three office chairs for $450 each, you can deduct the total cost of $1,350 from your taxable income.
✅ The program applies to both new and second-hand assets, so you can invest wisely in what your business needs. 💼💡 For instance, if you buy a used delivery van for $20,000, you can still claim the deduction if your business is eligible.

Who's eligible?
👉 Businesses with aggregated turnover under $500 million.
👉 Small businesses applying simplified depreciation rules.

Thresholds and exclusions have changed over time, so make sure to check your eligibility based on when the asset was purchased or first used. ⏳

Take advantage of this opportunity to maximise your tax benefits and invest in your business's growth! 💼✨

Book your consultation today to explore solutions for all your financial needs. -
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🏡 Are you an allied health professional dreaming of your perfect home? Let us help make that dream a reality! At First Aid Finance, we specialise in providing tailored mortgage solutions just for healthcare heroes like you. Our expert team understands your unique needs and is dedicated to securing the best deals, making your home buying journey as smooth as your dedication to health care. 🌟 Get in touch today to see how we can assist you in planting roots in a place you love!

Eid Mubarak from the entire First Aid Finance team! On this joyous occasion, we extend our warmest wishes for abundant blessings, prosperity, and financial well-being. May this day be filled with love, peace, and the healing touch of financial stability for you and your loved ones. ✨

🌟🏥 Elevating Dreams: A Radiant Journey in Mortgage Triumph!
👩‍⚕️ Introducing David Patel, a dedicated physiotherapist who recently embarked on his own practice. David, passionate about helping others, dreamt of owning a home. However, the challenge lay in securing a mortgage with just eight months of self-employment. 🏡💼
🔍 The Challenge:
David’s story echoes the common struggle of allied health professionals. Traditional lenders hesitated due to his relatively short self-employment history, creating hurdles in his path to homeownership.
✨ The Solution:
At First Aid Finance, we believe in tailored solutions for unique stories. Recognizing David’s aspirations, we connected him with a specialized lender catering to allied health practitioners. Working hand-in-hand, we compiled the necessary documentation and secured an LMI waiver, enabling David to access a mortgage with an advantageous 90% LVR.
💼 The Results:
With First Aid Finance’s guidance, David achieved his dream of homeownership. 🏠 His customized solution not only addressed the challenges but also ensured a competitive interest rate, surpassing offerings from other lenders.
🤝 Conclusion:
At First Aid Finance, we stand by your side in realizing financial dreams. Each journey is distinctive, and we craft solutions that align with your goals. David’s success, securing a mortgage after just eight months of self-employment, is a testament to our commitment to your triumph.
🏡🔑 Ready to embark on your path to homeownership? If you’re an allied health professional navigating mortgage challenges, turn to First Aid Finance. Our tailored expertise is your catalyst to financial success! 💪💰

🏡📈 Overcoming Mortgage Challenges for Self-Employed Professionals: The Dr. Smith Success Story!

👩‍⚕️ Meet Dr. John Smith, a psychologist who bravely ventured into self-employed private practice just six months ago. He aspired to invest in a property but faced hurdles securing a mortgage due to his unique income situation. 🏠💼

🔍 The Challenge:
Dr. Smith's story isn't uncommon. Traditional lenders often demand a lengthy stable income history, making it especially tricky for self-employed individuals with only six months of experience like him to obtain a mortgage.

✨ The Solution:
At First Aid Finance, we don't believe in one-size-fits-all solutions. We listened, understood, and tailored our approach to Dr. Smith's needs. We connected him with a specialist lender willing to consider his new income source, and together, we gathered the necessary documentation. What's more, we were able to obtain an LMI (Lenders Mortgage Insurance) waiver, allowing him to secure a mortgage up to 90% LVR (Loan-to-Value Ratio).

💼 The Results:
With First Aid Finance's assistance, Dr. Smith purchased his first investment property. 🎉 He not only overcame the challenges but also secured a competitive interest rate, lower than what other lenders had offered.

🤝 Conclusion:
At First Aid Finance, we're dedicated to helping you achieve your financial goals. Your unique situation deserves a unique solution. Dr. Smith's success story, despite only being self-employed for six months, is just one example of how we tailor our expertise to meet your specific needs.

🏡🔑 Ready to make your financial dreams a reality? If you're self-employed and seeking mortgage solutions, turn to First Aid Finance. We have the experience and expertise to help you thrive! 💪💰

🌟 Dr. Miller's Remarkable Debt Transformation with First Aid Finance! 🌟

Meet Dr. Miller, a passionate physiotherapist who faced a daunting financial challenge. Struggling with a home loan, car loan, credit card debt, and personal loans, all with high interest rates, he needed a lifeline for his dwindling cash flow. 📉💔

The Solution:
First Aid Finance stepped in as financial saviors! We recommended consolidating his debts into his home loan, drastically reducing the interest rate. With our guidance, he refinanced his home loan, consolidated his debts, and extended the repayment period, unlocking an incredible $3,000 extra each month! 🏠💡

Results:
Dr. Miller's financial transformation was incredible! With his debts consolidated into a low-interest facility, he saved thousands in interest. Moreover, that extra $3,000 monthly empowered him to bolster savings and reduce his remaining debts.

Conclusion:
First Aid Finance is committed to crafting personalised financial solutions. Healthcare professionals, let us be your advisors in your financial journey! 💼💪

🎉 Big News from First Aid Finance! 🎉

Meet Dr. Jackson, a visionary Veterinary Practitioner on a mission to launch his practice. 🐾 He had the perfect clinic in sight, but hurdles remained – funding for equipment, staff, and startup in a niche industry.

🚀 Challenge: Traditional lenders couldn't grasp the unique needs of his veterinary business. Capital for clinic acquisition and specific expenses? A struggle.

💡 Our Fix: First Aid Finance specializes in tailored solutions. We teamed up with Dr. Jackson, crafting a financing plan that fit like a glove.

🌟 Outcome: Dr. Jackson smoothly acquired the clinic, kickstarted his practice, and managed expenses seamlessly. Our financing not only brought capital but also competitive rates, freeing him to focus on growth.

🏥🌿 Bottom Line: Navigating specialized businesses isn't easy, but we've got your back. Dr. Jackson's success showcases our commitment. Veterinary Practitioners, let's make your dreams real! 💪🏼📈

Eligible Medical/Legal/Accounting Professionals

Lending Criteria Applies

Looking to purchase a new car?

Lenders now offering True NO DOC commercial car loans, no paperwork, no financials, full self declared income.

Please contact us to discuss further!

Your new car awaits..

Home Loans for Nurses!

Nurses can now attain a home loan with a 10% deposit and receive an LMI waiver.

lending criteria applies.

Great LOCUM work

The Aussie town town offering a $500k salary, plus rent-free home in bid to lure GP A small, outback Queensland town has stepped up its bid to find a full-time doctor, with an eye-watering an...

REFURBISHMENT LOANS FOR BUSINESS

If you’ve got a business premises that is feeling a little dated, it’s possible to get a refurbishment loan to help improve your business.

Typically, refurbishment loans are for businesses in the retail sector, including shop fronts and retail stores. It also applies to cafes, restaurants and function centres.

Professional services businesses that keep offices are also able to get a refurbishment loan to improve the condition of the office. Similarly, medical offices fall into this category with some practices such as doctors able to access improved loan products due to the stability of their business.

Refurbishment loans are also available for warehouses and factories.

Please Enquire below or reach out via 0414 700 483 for a chat

Interest rates to go up by 0.25%

: The Reserve Bank has lifted interest rates for a SIXTH consecutive month, increasing the cash rate by another 25 basis points to 2.6 per cent.

It's the fastest interest rates have risen in almost three decades, with mortgage holders facing yet another spike in repayments.

FULL STORY: http://9Soci.al/f1oE50L0sEl

| WATCH LIVE 6pm

RBA announced Cash Rate Rise once again!

Interest rates to go up following suit by 0.5%

Interest rates have been hiked again. Here’s what it means for you.
DETAILS: 7news.au/3QjRAkh

Having trouble with the cost of living increase?

Please enquire on how we can lower repayments and increase cash flow

Financial counsellors have revealed advice that could save you if you’re struggling. DETAILS: 7news.au/3ehDoe2

Health Professionals | IT Professionals| Legal Professionals | Accountants | Auditors | Financial Planners | Engineers

Why wait to save 20% deposit?

when you can purchase your first home with as little as 5% deposit and receive no LMI

Start Building Equity from the start and grow your wealth.

Schedule a time to discuss further or contact 0414700483

Happy Friday!

Currently it is the best time to consider refinancing to secure a fixed rate

Benefits

- CASHBACK OFFERS- Wouldn't you like an extra $2000-4000 in your account for simply switching to a bank that cares?

-Lower Rates/Repayments- Potentially save thousands in interest with a lower repayment

- RBA Rate Rise- RBA may potentially rise rates again. this means more costly living. best time to secure a great fixed rate before rates go up.

HOW NEW INVESTORS CAN LEVERAGE EQUITY

With home prices rising in value over the past few years, you might find yourself in a position where you can use that newly created equity to expand your property portfolio. One of the most powerful elements of owning property is the ability to access equity and put it towards the purchase of an investment property. If you’re thinking about starting to grow your property portfolio, this is how you can potentially do it.

Refinance

This strategy accesses the equity in your property by refinancing, which is effectively taking out another loan (or multiple loans) and paying out your current mortgage. If you purchased a $500,000 property using a $100,000 deposit and the value of the home has increased to $800,000, you’ve seen an equity uplift to $400,000.

If you refinance the property, you can leave 20 per cent of the value of the property and potentially access up to $240,000 that you could put towards an investment property. Tapping into your equity through refinancing is an incredibly powerful tool to expand your portfolio.

What are the benefits of a car loan pre-approval?

There are a number of reasons you should consider a car loan pre-approval before you start looking for a new or used vehicle.

Here’s why:

1. You’ll get a very clear idea of how much you can borrow and can then refine your search based on that figure.
2. Knowing your upper limit can really help when the time comes to negotiate with a seller or dealer.
3. You will be able to avoid any dealer upsells as you understand what you can spend.
4. There are no upfront costs to get a pre-approval and the process doesn’t lock you into purchasing a car.

The main consideration when getting a pre-approval is that it can impact your credit score, so it’s best to only do one when you’re serious about buying.

IS IT WORTH RENTVESTING IN 2022?

With house prices very near their all-time highs, many people are wondering how they might be able to get into the property market. One option that has become increasingly popular over recent years is rentvesting.

Rentvesting involves renting where you want to live and investing in a property elsewhere so you can get your foot on the property ladder.

There are a number of advantages and disadvantages to rentvesting in the current market

Feel Free to send a message to discuss further.

or contact 0414700483