Laura Moya Local Mortgage Broker

👍𝐑𝐄𝐒𝐄𝐑𝐕𝐄 𝐁𝐀𝐍𝐊 𝐎𝐅 𝐀𝐔𝐒𝐓𝐑𝐀𝐋𝐈𝐀 𝐌𝐨𝐧𝐞𝐭𝐚𝐫𝐲 𝐏𝐨𝐥𝐢𝐜𝐲 𝐃𝐞𝐜𝐢𝐬𝐢𝐨𝐧 𝟏𝟖 𝐉𝐮𝐧𝐞 𝟐𝟎𝟐𝟒.
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1. Interest Rates remain unchanged, providing stability for homeowners and buyers. 🏠
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4.35% and the interest rate paid on Exchange Settlement balances unchanged at 4.25%.
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2. Refinance Opportunities: Consider refinancing to lower payments or shorten your loan term. 💡
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Contact me for a PERSONAL consultation!
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Stay informed, Laura Moya
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www.lauramoya.com.au/contact

𝐄𝐯𝐞𝐫𝐲𝐨𝐧𝐞 𝐢𝐬 𝐥𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐦𝐚𝐧 𝐢𝐧 𝐟𝐢𝐧𝐚𝐧𝐜𝐞.
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Trust fund.
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6' 5.
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Blue eyes. -
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Laura Moya Local Mortgage Broker cannot help you with that - I am able to assist you with various lender options - years of experience within the mortgage industry to try and find a solution for your loan scenario.
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www.lauramoya.com.au/contact

Australia’s Housing Crisis is a hot topic atm.
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Went to Costco for the food shopping. Came across this.

Unpopular opinion coming in ……
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It was a trigger for me after having to tell a poor first-time buyer they had to save $220,000 (you didn’t read it wrong.
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YES, it was $220,000 to enter the property market.) 👊🏻🫢😭👀
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As a mum of two young children who they will have to enter the property market later down the track and also for future generations I hope that this price to enter the property market is addressed asap to avoid locking future generations out of the property market entirely and only having access to it if they earn huge wages or have generational wealth transfers.
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By all means is not a whinge about commissions far from it at all.
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It’s more as a mum / human element worried about what the future generation is having to face.
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Not everyone has access true generational wealth transfer.
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To add more salt to the wound they had studied a career path which left them with a HEC close to $70,000.
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POTENTIALLY AN UNSPOKEN TOPIC as a broker… but having to deliver that type of news after exploring all their options.
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Gifted funds.
Government grants.
Buying property with someone else.
Guarantors was not an option etc.
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But something needs to be done. Australia is supposed to be all about “Giving the people a fair go”.

From time to time, I love to have a laugh. This is behind the scenes for Laura Moya Local Mortgage Broker. 😂😂😂
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At the end of the day, business owners are humans too.
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I will always get my work done and aim to deliver top notch service to customers.
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𝐋𝐚𝐮𝐫𝐚 𝐌𝐨𝐲𝐚 𝐋𝐨𝐜𝐚𝐥 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫 𝐬𝐞𝐫𝐯𝐢𝐜𝐞𝐬 𝐢𝐧𝐜𝐥𝐮𝐝𝐞:

Mortgages to fund properties which are for commercial, Investment or owner occupier purpose post settlement.
Personal loans. Did you want to purchase a new car, caravan or need to complete renovation works to your home?
Asset Finance.
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Did you want to fund properties which are for commercial, Investment or owner occupier purpose post settlement.
Personal loans. Did you want to purchase a new car, caravan or need to complete renovation works to your home?
Asset Finance.
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𝐏𝐎𝐕: 𝟓 𝐰𝐚𝐲 𝐫𝐨𝐮𝐧𝐝 𝐚𝐛𝐨𝐮𝐭 𝐌𝐨𝐨𝐫𝐨𝐨𝐥𝐛𝐚𝐫𝐤 - 𝐢𝐟 𝐲𝐨𝐮 𝐭𝐮𝐫𝐧 𝐭𝐡𝐞 𝐦𝐮𝐬𝐢𝐜 𝐝𝐨𝐰𝐧 𝐭𝐨 "𝐜𝐨𝐧𝐜𝐞𝐧𝐭𝐫𝐚𝐭𝐞" 𝐭𝐡𝐢𝐬 𝐢𝐬 𝐦𝐲 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐬𝐭𝐫𝐮𝐠𝐠𝐥𝐞 𝐭𝐨𝐨.
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www.lauramoya.com.au/contact
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Clip showing at Reading Cinema Chirnside Park ⬇️

𝐋𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫 𝐛𝐚𝐬𝐞𝐝 𝐢𝐧 𝐌𝐞𝐥𝐛𝐨𝐮𝐫𝐧𝐞?
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Reach out to Laura Moya Local Mortgage Broker.
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Unsure if Laura is the right mortgage broker for you?
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Get "The Bestie who is a detective" to look out for the social media reviews of Laura Moya Local Mortgage Broker.
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Here is a starting point FYI⤵️⤵️⤵️
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https://linktr.ee/lauramoya

𝐅𝐑𝐈𝐄𝐍𝐃𝐋𝐘 𝐑𝐄𝐌𝐈𝐍𝐃𝐄𝐑 𝐓𝐇𝐀𝐓 𝐄𝐍𝐃 𝐎𝐅 𝐅𝐈𝐍𝐀𝐍𝐂𝐈𝐀𝐋 𝐘𝐄𝐀𝐑 𝐈𝐒 𝐅𝐀𝐒𝐓 𝐀𝐏𝐏𝐑𝐎𝐀𝐂𝐇𝐈𝐍𝐆.

Have you got tasks to attend to prior to 30/06/2024?

𝐏𝐒𝐀 𝐟𝐫𝐨𝐦 𝐋𝐚𝐮𝐫𝐚 𝐌𝐨𝐲𝐚 𝐋𝐨𝐜𝐚𝐥 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫 - 𝐬𝐭𝐚𝐫𝐭 𝐠𝐚𝐭𝐡𝐞𝐫𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐩𝐚𝐩𝐞𝐫𝐰𝐨𝐫𝐤 𝐩𝐫𝐞- 𝐭𝐚𝐱 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐞𝐧𝐬𝐮𝐫𝐞 𝐭𝐡𝐚𝐭 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐫𝐞𝐥𝐞𝐯𝐚𝐧𝐭 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐫𝐞𝐚𝐝𝐲 𝐭𝐨 𝐥𝐨𝐝𝐠𝐞 𝐲𝐨𝐮𝐫 𝐭𝐚𝐱 𝐫𝐞𝐭𝐮𝐫𝐧𝐬.
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https://www.lauramoya.com.au/contact

𝐇𝐨𝐰 𝐓𝐨 𝐂𝐨𝐦𝐩𝐥𝐞𝐭𝐞 𝐘𝐨𝐮𝐫 𝐋𝐢𝐯𝐢𝐧𝐠 𝐄𝐱𝐩𝐞𝐧𝐬𝐞𝐬 𝐈𝐧 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧

As part of the loan application - ensure that you complete a thorough living expenses. This is to include the following items:
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Council Rates.
Body Corporate Fees (if applicable)
House and content insurance.
Car insurances.
Private health insurance.
Food.
Childcare.
Utility bills.
Transport costs.
Recreation. etc. Remember the multiple tap and go add up too.

You will soon see that these costs add up fairly quickly. The more detailed your budget is - it should avoid over committing on a mortgage application. Remember that rates increase over the life of the loan.
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www.lauramoya.com.au/contact

Laura Moya Local Mortgage Broker vibes when we settle a loan for a client!
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Need your assistance with your loan scenario? Reach out to discuss ASAP!
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Have a wonderful weekend ahead and stay safe!
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www.lauramoya.com.au/contact
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𝐁𝐞𝐡𝐢𝐧𝐝 𝐭𝐡𝐞 𝐬𝐜𝐞𝐧𝐞 𝐰𝐢𝐭𝐡 𝐋𝐚𝐮𝐫𝐚 𝐌𝐨𝐲𝐚 𝐋𝐨𝐜𝐚𝐥 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫.
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YES -- MORTGAGE BROKERS DO HAVE BAD HAIR DAYS TOO.
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At the end of the day - remember - we are humans too!
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BUT as we are problem solvers - we do not let the bad hair days get in the way of meeting our clients for face-to-face appointment which was pre-booked.
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Need a loan scenario solution? Reach out to discuss your options. Appointments are private and confidential.
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Video calls, phone calls are available. If you are in the Yarra Valley Region / Eastern Suburbs of Melbourne more than happy to book a face to face appointment.
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𝐃𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝐛𝐞𝐭𝐰𝐞𝐞𝐧 𝐜𝐮𝐫𝐫𝐞𝐧𝐭 𝐭𝐚𝐱 𝐫𝐚𝐭𝐞𝐬 𝐚𝐧𝐝 𝐧𝐞𝐰 𝐩𝐫𝐨𝐩𝐨𝐬𝐞𝐝 𝐭𝐚𝐱 𝐫𝐚𝐭𝐞𝐬 𝐜𝐨𝐦𝐢𝐧𝐠 𝐢𝐧 𝟏 𝐉𝐮𝐥𝐲 𝟐𝟎𝟐𝟒.
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Ryan O'Shea - Principal at Arcworth Accounting & Advisory and Laura Moya Local Mortgage Broker.
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How will this impact you?
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Also, would like to know your thoughts if you think what impact will have on current inflation / costs of living crisis as households now will have more take home wages.
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As Reserve Bank of Australia tries to take disposable income from households to try and combat inflation issues in Australia - could this be a motivation for the RBA to increase the cash rate further or delay the decrease of the cash rate in the near future?
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COMMENT BELOW
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𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐨𝐫 𝐋𝐨𝐚𝐧𝐬 - 𝐖𝐚𝐭𝐜𝐡 𝐭𝐡𝐢𝐬 𝐯𝐢𝐝𝐞𝐨 𝐢𝐟 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐢𝐧𝐠 𝐭𝐚𝐤𝐢𝐧𝐠 𝐚 𝐠𝐮𝐚𝐫𝐚𝐧𝐭𝐨𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧.
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Laura Moya Local Mortgage Broker covers the risks to both borrower and guarantors.
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Have a loan inquiry?
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www.lauramoya.com.au/contact
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𝐀𝐫𝐞 𝐲𝐨𝐮 𝐭𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐨𝐟 𝐝𝐞𝐦𝐨𝐥𝐢𝐭𝐢𝐨𝐧 𝐨𝐟 𝐲𝐨𝐮𝐫 𝐜𝐮𝐫𝐫𝐞𝐧𝐭 𝐡𝐨𝐦𝐞?
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Ryan O'Shea - Principal at Arcworth Accounting & Advisory and Laura Moya Local Mortgage Broker had a chat. This video may have some things you may want to consider before proceeding with demolition works.
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Reserve Bank of Australia is due to release their decision for the May 2024 on Tuesday, 7th May 2024.
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As a guessing game - comment below what your prediction is for the cash rate.
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Reserve Bank HOLDS the cash rate.
Reserve Bank INCREASES the cash rate.
Reserve Bank DECREASES the cash rate.
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𝐍𝐞𝐠𝐚𝐭𝐢𝐯𝐞 𝐆𝐞𝐚𝐫𝐢𝐧𝐠 𝐀𝐮𝐬𝐭𝐫𝐚𝐥𝐢𝐚.

When somebody has a mortgage, which is investment purposes, negative gearing is essentially where the expenses that you have going out are greater than the rental income that you have coming in for a property.
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Ryan O'Shea, who's the principal for Arcworth Accounting & Advisory and Laura Moya Local Mortgage Broker had a chat - watch full video for some useful tips.
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DISCLAIMER: The video is general information, and you should seek your own independent advice to ensure that the information is right for you.

Capital Gains Tax on investment property Australia
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Recently Laura Moya Local Mortgage Broker met with principal Ryan O'Shea from Arcworth Accounting & Advisory to discuss Capital Gains Tax and the impacts it may have any property that's owned and used for investment purposes or used for anything other than a main residence purpose.
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If you are considering converting your current owner occupier home into investment property. This video is for you.
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Watch up for a few extra clips in the upcoming days.

DISCLAIMER: The content is general in nature and does not take into consideration your personal circumstances. Please ensure you obtain your personal tailored advice before proceeding.
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