Finance4Nurses

Explore some of the benefits of refinancing your home loan:

🌟 Useful features: Do away with features you don't use, and secure a loan that helps make your money work harder.

🌟 Lower repayments: Reduce your monthly payments by securing a lower interest rate.

🌟 Cash out: Consider cashing out some of your home equity for home improvements or other major expenses.

Curious about whether refinancing is in your best interests? Let's chat!

Starting your home buying journey can feel daunting, but we're here to help simplify it!

🔑 Pre-approval magic: Secure your pre-approval early to know your budget and show sellers you’re serious.
🔑 Government incentives: Take advantage of first home buyer grants and schemes.
🔑 Location, location: Prioritise location over aesthetics — it's key for long-term capital growth.

Ready to talk homes? We’re just a message away!

You're never a loan to us.

You're someone sick of the renting cycle.

You're a family renovating their dream home.

You're an ambitious business owner who wants to build intergenerational wealth.

Whoever you are, we take the time to find out.

Give us a call to put your big plans in motion.

Once upon a time, Emily needed extra cash for a house move. She was sick of living in share houses and needed to get out, stat.

She found a personal loan with no hidden fees, low interest, and a flexible repayment schedule. Well actually, we found it for her.

Fast forward a few months: she's all settled in to her new pad with some gorgeous prints adorning her walls and the world's comfiest sofa.

And the loan isn't draining all her disposable income. In fact, it feels like more of a friend than a foe.

Moral of the story? Choose a personal loan that helps build your dreams, not your debt.

While you don't necessarily need a 20% deposit for your home loan, your savings will play a part in the lender's decision to approve your application...or not.

Being able to show you're able to save money proves to the banks you're disciplined with your finances, which is a trait they find very attractive.

Get in touch for help putting together a savings strategy you can stick to.

Steering through car finance without a guide?

Let’s shift that! 🚗

Before you sign on the dotted line, you need to explore your options.

Whether you want fee-free extra repayments, no early payoff penalties, low interest rates, flexible terms, a speedy approval, zero hidden fees – or all of the above – it pays to speak with an expert.

After all, your dream car deserves a dream finance deal.

More to follow...

Finding the best car loan for you is about asking the right questions. Wondering where to start? Here are the essentials:
- – Would you be penalised for paying out the loan early?
- – How do the interest rates stack up against what's out there?
- – Can you tailor the loan term to suit your financial situation?
- – How quickly can you move from enquiry to green light?
- – Are there any charges for applying or ongoing account keeping?

The road to finding a competitive car loan is less traveled for a reason. For a hassle-free journey to that perfect loan, why not get in touch? Let's ensure your loan is as well-tuned as your new ride.

Latest data from CoreLogic confirms what we're all noticing: real estate is going great guns.

If you're keen to climb the property ladder, reach out for personalised guidance on how you can make it happen.

The Reserve Bank of Australia once again decided to keep the cash rate steady at 4.35%. While we may have to wait a bit longer for any rate drops, it's still a positive step forward.

For those diving into the exciting journey of buying their first home, this news is a win! It gives you a clearer picture of budgeting for your deposit and loan repayments.

Do you have any questions or need guidance on your options? Don't hesitate to drop us a message. We're here to support you every step of the way! 🏡 💼

Great News confirmed for TASMANIAN First home buyers:

"Treasurer Michael Ferguson said that under the new plan, eligible Tasmanians buying their first home wouldn’t have to pay a cent of stamp duty for a home valued up to $750,000."

When you buy your home, you'll have some additional costs to budget for, like building insurance.

Here’s why it should be at the top your list:
🔑 Meets lender requirements
🔑 Protects your investment
🔑 Covers you in a disaster

It pays to do your research so your most important investment adequately is protected, and you're paying a fair price.

Turning your current home into your dream home can be thrilling, but the financials can be daunting.

What to think about:
💡 Financing options
💡 The return on investment
💡 Project duration and impacts on your lifestyle

Don’t just dream it, plan it. We’re here to help!

Thinking of buying your first home?

Don’t get lost in the maze of mortgage options. Remember, the lowest rate might not always mean the best deal.

Consider this:
🏠 Are there hidden fees?
🏠 How flexible is the mortgage?
🏠 Can you make extra payments without penalties?

Let's talk about finding a loan that fits your life, not just your budget.

Deciding whether to go with a fixed or variable interest rate can feel like being asked to predict the future.

We'll help you decide between the stability of fixed rates versus the potential savings from variable rates based on your financial outlook and risk tolerance.

If you need guidance, we’re just a message away.

Got a question about mortgages?

Post it below or send us a DM and we'll share our expert insights!

We're practically being beaten over the head with how unaffordable housing is right now, but we're here to remind you it's not all doom and gloom!

Contrary to the constant news reports, you don't need to be on an exorbitant salary to break into the property market.

If you aspire to get on the property ladder, let's sit down together, crunch the numbers, and get clear on what you can afford to borrow and when.

Reach out today to explore your options.

💝 Happy Mother's Day to all the Mums and mother figures out there and a special thought for those who are yet to become mums.

Your impact is immeasurable. Thank you for all that you do 💐

Happy International Nurses Day :)

Let's see. There is a lot of ground to make up....

Yay!
No interest rate change today :)

Will be too late for many here, but still good news:

Budget relief for nursing and teaching students hit by 'placement poverty' The government announces a new $319 weekly practical payment to ease the financial strain of unpaid student placements.

A home loan is not something to set and forget.

Why? Because rates change, new products enter the market, and people's situations evolve.

This is why we keep in touch with our clients long after they're approved for their first home loan.

Get in touch to get started.

This is shameful and doesn't help anyone's cause:

"...Ten Colac Area Health staff members, who worked in other sections of the hospital, attended the urgent care clinic during the visit and sat in the waiting room."

"At least one ambulance was also arranged and presented a fake patient, who was triaged by the urgent care clinic staff..."

"Another hospital staff member pretended to have an injury and occupied a stretcher in the back corridor."

Hospital used ambulance, fake patients during ministerial visit Ten Colac Area Health staff members, who worked in other sections of the hospital, attended the urgent care clinic during the visit and sat in the waiting room.

So, you’ve been working hard, clocking up some overtime, getting serious about your side hustle, winning more clients, or slowly climbing the corporate ladder.

Your salary is healthier than ever, yet it’s not as though you’re saving, investing, or donating more.

Where has it gone?

Think gym memberships that never get used, extra streaming services that aren’t needed, more meals out.

The antidote? A budget!

Who's tried a budget that hasn't stuck? Who loves budgeting? Who can't think of anything worse?

One of the best parts of our job is helping you get the most out of your home loan and to keep the banks honest. It's our job to:
-Suggest a loan product for you
-Negotiate with your bank to try get a better deal
-Help you decide if it's time to move on (to another lender)

Home loan land is an ever-changing landscape. And good news is it's our job to stay up-to-date with what's on offer.

Get in touch for a health check on your loan. We can't make any promises until we've looked at your specific situation, but we routinely help people save on their existing home loans.

It's all about getting you a better deal.⠀

We absolutely love that personal finance is something that's discussed more openly. However, we know that for a lot of people, this is not an appealing topic of conversation!

There are all kinds of attitudes to money, and all kinds of emotions surrounding it - from confidence, gratitude and optimism, to fear, shame and panic.

Whatever your money mindset, it's worth taking a look at where you sit on the spectrum - it's the first step in taking charge of your finances.

It could be a matter of reading the right book, or speaking with a finance professional who you really click with.

Get in touch if you'd like to start the conversation.

Your credit score exists to give banks an idea of how you manage your debts and financial obligations.

When it comes to applying for finance, lenders need to make a decision about whether they can rely on you to pay them back - and your credit score will give them a good indication.

You can keep your credit file healthy by paying your bills – including credit cards – on time. You also want to keep applications for credit to a minimum, because you don't want lenders thinking you're racking up debt left, right and centre.

When was the last time you accessed your own credit file? Ask us how.

Lifestyle-friendly suburbs are taking off!

When you're deciding on where to buy, you may want to consider the quality of:
- Parkland and leisure
- Public transport
- Dining and culture
- Access to education
- Medical facilities

A great neighbourhood means different things to different people. Tell us, what does it mean to you?