Modern Financial Mortgage Brokers

NEW EPISODE LIVE - with Buyers Advocate, Anthony Gallo

James and Ant dive into negotiating, how to be best prepared when buying, and the role of a buyers agent.

Go have a listen, ya won’t regret it🎙️

We have been working on something exciting!!🎙️

Modern Money, a podcast aimed at simplifying complex (& sometimes daunting) topics, in the realms of finance, property and business.

James will delve into Mortgage topics, and will be joined by industry experts in an array of areas to help you make informed decisions.

Go and have a listen, episodes released weekly!

Every property investor has a different strategy as to why they are investing in property. Here are the four reasons why people invest in property.

A recent review from one of our clients! ✨

Hearing feedback likes this, makes all the hard work we put into our amazing clients, all worth it!

Insurance is an extremely important facet when buying a property and taking out a loan. Here’s some details around the type of insurance you may need to consider when purchasing your first, or next property!

You may not realise how much having a credit card affects how much you can borrow. Here’s an example, showing that a $15,000 credit card can reduce borrowing capacity by $75,000.

Even if you don’t use your credit card or pay it off every month, the banks service you as if you have maxed out the credit card.

Hello 👋🏻 We are the dynamic trio behind Modern Financial - James, Matt & Tori. With over 20 years combined experience in the finance industry, we are are all on a mission to help our clients achieve their finance & property goals.

We would love the opportunity to help you achieve your goals, so reach out to us today via the link in our bio to get you one step closer!

When your fixed rate expires, if no action is taken, sometimes you can revert to a high variable rate. It is important you review this, to ensure your rate remains competitive!

Reach out to us today if your fixed rate is nearing its expiry!

If you’re ever wondering what Government Schemes may be available to you, here is a brief breakdown of each. Reach out to us if you want to find out more, or if you just want to know your eligibility for a Scheme!

Always hearing Baby Boombers say “rates were 16% back in my day”?
We have settled the debate on who really has it tougher… Millenials or Baby Boombers

If you’re starting to look for your dream home, or even your next investment purchase, then consider these steps to help you

If you’re considering purchasing your first, or next home, then now might be a better time than you may think.

Friday finance tip 🕺

We are excited to welcome Tori to the Modern Financial team as a Mortgage Broker. Tori has always been interested in property, and has decided to take a leap from her corporate job in Supply Chain to channel this interest and pursue a career in helping people achieve their property goals. Excited to have you on board, Tori!

The median house gap between Sydney and Melbourne is BIG. As much as Sydney and Melbourne is compared, they are very different cities. Is Melbourne now presenting as a good buying opportunity?

We meet with hundreds of potential first homebuyers, every year, many of them do not buy straight away, but they understand the clear goals they need to meet in order to purchase their first home. Here are a couple of finance solutions that can allow first homebuyers to get into the market sooner than they thought.

One of our valued clients google reviews ⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Want to get into a home this year but don’t know where to start? Give us a call for a no obligations chat 🏡

If you feel like your home loan rate is too high, why not have a quick chat to see if you can save some money. There are some banks offering great incentives with cash backs from $2,000-$6,000. Send us a message for more details

As we wrap up the calendar year, here is a snapshot of the property values in each city. From pre-pandemic levels to now. We don’t know what will happen in the next few months with inflation and therefore rates, but as soon as rates steady, there is a high chance the market pick back up quickly.

Our clients are asking every day if they should buy now or wait. Take a look at these slides for a simple breakdown of why NOW is the time to buy. If you want to know more about your situations drop us a message.

Finance tip, if your interest rate is below the inflation rate (5.1%) you’re worse off still to hold cash.

Unsurprisingly Gold Coast leading the way for regional growth areas!

What does the budget mean for you? A high level summary

Minimum deposit & monthly repayments QLD/ VIC / NSW