Loan Market - Tony Spies
Looking for the right home loan that suits your needs. Contact Tony Spies on 0413 119 548. Reduce your stress & save time & money.
Finding the right home loan, investment loan, or refinancing your current loan is about understanding what is important to you. Once we understand your needs we can set about matching the available loan products and features to your unique needs. We have 20 years of expertise in Home loans for homebuyers and investors. We meet online or by phone so no need to leave your home or office to apply. (You don't even need to tidy up!)
You might have heard that if you currently own property, you may have equity available that you can use for things like purchasing another property, renovations or refinancing.
But how do you know how much of it you can use?
We take a dive into how you can calculate your equity. https://loom.ly/ymAnEC4
Whether you’re saving for your first home, next home, brand new car or something else, creating a budget that you can stick to can go a long way towards helping you achieve your goals.
Our budget planner calculator can help you get started on your budgeting journey. https://loom.ly/Y5TGPRw
Big lenders tend to have the most number of clients and have been around for a long time so that means that they must be safer right? Wrong.
All lenders big or small are held to the same regulations, meaning there is very little difference in the safety of your money with one compared to another.
It’s no secret that the world of house hunting can be competitive. So what can you do to help put your best foot forward when it comes to making an offer?
We go into more detail about how to utilise these tactics as well as determining just how much income you need to purchase your dream home.
https://loom.ly/NzcRtWs
We’ve all got plans about what we’d like to do with our home to give it an upgrade. Those plans don’t have to stay plans. As your broker, we can help secure you the finance to get there.
From a new kitchen, to a new bathroom, to making your home more eco friendly, we’ve got you covered.
You doughnut need to go it alone - we’re here to help you find the right finance.
When it comes to your interest rate, there’s typically the choice to get fixed, variable or split (combining both fixed and variable). As your broker, we can help you choose the loan that works for you.
Loan Market data has revealed that the number of investment loans lodged in the 12 months up to April 2024 has increased by 16%.
This adjustment in statistics could be for a number of reasons including a recent plateau of the official cash rate and a decline of inflation rates (according to the Australian Bureau of Statistics).
If this increase has you curious about whether or not now could be the right time for you to purchase an investment property, we’re here to help.
Understanding equity is valuable when it comes to financing property. It can be used for a variety of things including purchasing additional property, renovating, refinancing, consolidating debt and more.
Chatting to your broker can help you understand how much equity you have and how it could work for you.
Loan Market data has revealed an 8.04% increase to the number of loans lodged between the 12 months to April 2023 and the 12 months to April 2024.
November 2023 was the last time we saw an increase to the official cash rate in Australia. Additionally, many economists believe rates have hit their peak.
While we don’t know for sure that this will be the case, it is encouraging news for those looking to purchase property and is likely to have contributed to this statistic.
We never get tired of receiving reviews like this 🤩. We're so grateful for all our clients who take the time to share their feedback.
Deciding to invest in property is an exciting moment, but before you begin, there are a few questions to ask yourself.
Whether you have the answers to all these questions already or are starting from scratch, we’re dedicated to guiding you through every step of your property investment journey.
Can brokers suggest a loan specifically to get themselves a higher commission? No.
In fact, brokers are legally bound by the best interest duty to ensure they only suggest loans that are right for you and your situation.
Whether you’re after a new family vehicle, funds for renovations or are looking to take your business to the next level, as your broker, we can help you get there.
Whether you’re looking for the perfect vehicle to accommodate your growing family or take that dream road trip, we can help you secure the finance to get there.
The 2024/2025 federal budget was revealed last night by Federal Treasurer Jim Chalmers - how does it affect you?
Find out what was announced for housing, budgeting and small businesses. https://loom.ly/9PZvhl8
Is your business ready for the EOFY?
According to the ATO, there may be opportunities for tax advantages, such as the instant asset write off on all eligible purchases under the $20k threshold. Your accountant can give you more information about eligibility, and we can help you find the right loan to achieve your goals.
If you’re looking to invest in property, you may be debating with yourself: is an apartment or a house a better investment?
The truth is, there is no concrete answer and it depends on a number of circumstances including: purchase price, capital growth, rental yield, buyer and tenant appeal and renovation potential.
We go into more detail about what to consider when deciding between purchasing a house and an apartment. https://loom.ly/wpFuKrY
Today we want to say thanks. Thanks to mothers, aunties, grandmas and caregivers.
Happy Mother's Day.
If you’ve ever engaged in conversation about property investment, you’ve likely heard the terms ‘capital growth’ and ‘rental yield’. But what do they mean and is it possible to have the best of both worlds?
We take a deeper look at capital growth versus rental yield. https://loom.ly/fdgzZUo
Despite the cash rate holding at the highest it has been in years, we are seeing more property investors. As buyers grapple with affordability, we’re finding some areas are seeing a large number of interstate investors.
We have a look at those areas: https://loom.ly/ypvKxvo
May the fourth be with you.
Did you know that there’s more to prepare for financially when it comes to buying a house than just the cost of the property?
It’s important to be aware of some of the other costs you may encounter on your home ownership journey. As your broker, I am your dedicated guide throughout the process, ensuring you have a full understanding of any processes and costs along the way.
Loan Market data has revealed an increase to the number of investment loans lodged in 2024.
What’s behind this? It could be confidence that the cash rate has hit its peak for this cycle, resulting in steady interest rates. Also, median house prices around the nation have continued to grow, potentially returning healthy investments.
Whether your home renovations look like a full backyard transformation complete with a pool or you’re just wanting to put new tiles in the bathroom, we can help you secure the finance to get there.
On the look out for a mortgage broker with 5-star service? Find out what our clients have to say about us.
Data from CoreLogic has revealed that time on market has increased for most capital cities and across Australia overall between January 2022 and January 2024.
We will remember them.
If you’re considering entering the world of property investment for the first time or are looking to expand your portfolio, we can help secure the finance to get you there.
We're in business to help people achieve their property and financial dreams 🏡
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Our Story
Looking for the right home loan that suits your needs. We deal with over 35 lenders, Why?
Because there can be a big difference between lenders in: The amount of deposit you need, The rate of Lenders mortgage insurance charged, the interest rates, the service they offer, and much more.
Reduce your stress & save time & money and give me a call;
Contact Tony Spies on 0413 119 548.
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392 Sydney Road
Melbourne, VIC
3942
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