Nectar Home Loans & Finance

𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐭𝐢𝐦𝐞!
If you're upgrading or expanding your vehicle fleet🚛, renovating your premises🏬, or buying new tools for your trade⚒️, then speak with us📲, and we'll help get the right loan for your business👌.

Everyone has an opinion on the "best suburbs" to buy in, but nothing beats doing your own homework.
To truly understand what a suburb has to offer, it’s worth taking the time to explore the area yourself. Check out these hot tips👇 to help you decide if a suburb is right for your investment.

Before you buy: How to research a new suburb - Nectar Mortgages Buying in a new area is about more than price. Amenities, future developments and transport options are also important considerations.

𝐈𝐧 𝐭𝐡𝐞 𝐜𝐮𝐫𝐫𝐞𝐧𝐭 𝐦𝐚𝐫𝐤𝐞𝐭, 𝐬𝐚𝐯𝐢𝐧𝐠 𝐦𝐨𝐧𝐞𝐲 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐜𝐚𝐧 𝐠𝐨 𝐚 𝐥𝐨𝐧𝐠 𝐰𝐚𝐲🛣️
When it comes to your home loan, 💵🏡 𝐫𝐞𝐩𝐫𝐢𝐜𝐢𝐧𝐠 𝐨𝐫 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 are options worth considering to try and secure a better rate and save money. 𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡 📱💬 for a complimentary, no-obligation loan review, and let’s see if repricing or refinancing is right for you. For more information, see below 👇

Repricing vs refinancing your mortgage Have a variable or split loan? Repricing is an easy process that could help put more money back in your pocket.

Have you found your dream home😍 but still need to sell your current house?😟 A bridging loan may be just what you need. A bridging loan🌉is a special 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭-𝐨𝐧𝐥𝐲 𝐬𝐡𝐨𝐫𝐭-𝐭𝐞𝐫𝐦 𝐥𝐨𝐚𝐧 designed precisely for this situation.
Want to know if bridging finance is right for you? Speak with us today📲

Thanks to the government’s new tax cuts✂️ introduced on 1 July 2024, you may have noticed some extra dollars💵 in your bank account. Have you spent your tax cut wisely?🤔 Check out some clever tips to make that money go further! You're welcome😊

How To Create Wealth With Your Tax Cut - Nectar Mortgages Tax cuts are an opportunity to create wealth. Here we offer some tips on how to maximise your tax cut, rather than wasting it.

🛠️🎉 FATHERS DAY GIVEAWAY ALERT 🎉🛠️

In celebration of Father’s Day, we’re hosting a fun and engaging social media competition! Show us how much you appreciate your dad, and you could win an amazing Father’s Day Pack!

Here’s how to enter:
👍Make sure you are have liked our page Nectar Home Loans & Finance
📝 Comment on this post why your Dad deserves to win! or) Share a photo in the comments of your Dad doing something he loves 📸💙

The Prize: A fantastic Father’s Day Giveaway Pack including:
🍻 A six-pack of Better Beer
🍖 A Matador BBQ Set
🥩 A Singos Butcher Meat Voucher
❄️ An Esky to keep it all cold
🛠️ A Bunnings Gift Voucher

Winner Announced: Friday, August 30th, 2024.

Good luck, and we can’t wait to see your entries! 👀

Disclaimer: Prize is for pick-up only from 1/826 Hunter Street, Newcastle West.
Beware of scammers and fake pages/profiles. Our facebook URL is facebook.com/NectarHomeLoans

Nectar Home Loans & Finance Nationally recognised & award-winning Mortgage Brokerage, helping you achieve your financial dreams

𝐍𝐞𝐞𝐝 𝐚 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐡𝐨𝐥𝐢𝐝𝐚𝐲?
Usually considered a last resort - the repayment holiday🌴 is an option if you are experiencing extreme financial difficulty😟 The repayment holiday is not an option to be used lightly, but may be worth discussing with us if you find yourself in a challenging situation📲

𝐃𝐨𝐧’𝐭 𝐦𝐢𝐬𝐬 𝐲𝐨𝐮𝐫 𝐚𝐧𝐧𝐮𝐚𝐥 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐫𝐞𝐯𝐢𝐞𝐰!
Whether you have a fixed or variable-rate loan, an annual review📝 is an important time to assess your current financial situation💸 and plan for the future. As life changes, it’s important that your mortgage continues to meet your needs. During your review, we’ll examine your loan structure and explore adjustments that could better suit your situation😀 . Let’s chat📲 and see what’s possible for your future!

Purchasing your first home in today's property market can be challenging 😒
Thankfully, you could try buying your first home sooner 𝐯𝐢𝐚 𝐚 𝐟𝐚𝐦𝐢𝐥𝐲 𝐠𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞 𝐥𝐨𝐚𝐧 👨‍👩‍👧‍👦
Simply put, a family guarantee lets a family member, usually a parent, ‘guarantee’ your mortgage when you can’t supply a large enough deposit💵 The family guarantee also eliminates the need to pay Lenders Mortgage Insurance (LMI) which could save you dollars 💰 To discover how a family guarantee works, read on👇

Avoid LMI with a family guarantee - Nectar Mortgages Find out how a family guarantee can help first home buyers step on the property ladder sooner and avoid paying LMI.

🎉 Nectar Home Loans Hunter reaches 100 5-Star Google Reviews! 🎉

We’re thrilled to celebrate a huge milestone, and it’s all thanks to YOU—our incredible clients! Whether you’re a first-time home loan hero or a valued long-time supporter, your amazing reviews have made this possible.

From the bottom of our hearts, a HUGE THANK YOU for your trust and support! 🏡✨

Here’s to many more milestones together! 🌟

We've Hit A Milestone - Celebrating 100 5-Star Google Reviews! - Ben Eick Nectar Home Loans Hunter Reaches 100 Google Reviews! This week, something very exciting happened for us at Nectar Home Loans Hunter that marked a milestone. We just received our 100th 5-Star review on Google! We could not have reached this milestone without our amazing clients leaving us these revie...

There are many incentives for First Home Buyers, but navigating them can be daunting. Fortunately, our first-home buyer experts here at Nectar have created a comprehensive guide on the latest government offerings and a state-by-state breakdown of what’s available

Incentives Galore for First Home Buyers - Ben Eick Do you know someone looking to buy their first home? If so, this information could be invaluable! Many potential home buyers might be delaying their purchase due to a lack of awareness of available incentives. What you need to know: The Australian Government recently announced a new funding round fo...

Have you noticed some extra dollars in your bank account?
Find out the details, and tip on how to maximise your tax cuts! 😎

Maximise your tax cuts - Ben Eick You may have noticed some extra dollars in your bank account thanks to the government’s new tax cuts introduced on 1st July 2024. With the updated Stage 3 tax cuts, all the 13.6million taxpayers in Australia will enjoy an average annual saving of $1,888 or about $36 per week. In short, you get to ...

𝐅𝐞𝐞𝐥𝐢𝐧𝐠 𝐭𝐡𝐞 𝐩𝐢𝐧𝐜𝐡? 𝐖𝐞’𝐫𝐞 𝐡𝐞𝐫𝐞 𝐭𝐨 𝐡𝐞𝐥𝐩!
After yesterday’s OCR announcement, mortgage holders may be feeling a bit dismayed. The RBA has decided to hold the official cash rate at 4.35% and RBA Governor Michele Bullock also dashed hopes of a rate cut in 2024, stating, “A rate cut is not on the agenda in the near term.”
Struggling with repayments?☹️ Let’s talk! We can explore loan modification options with lenders and negotiate on your behalf to try and get you a lower interest rate. Together, we'll get through this!

𝐂𝐚𝐬𝐡 𝐑𝐚𝐭𝐞 𝐔𝐩𝐝𝐚𝐭𝐞 – 𝐀𝐮𝐠𝐮𝐬𝐭 𝟐𝟎𝟐𝟒
The Reserve Bank has announced today that the official cash rate (OCR) will remain at 4.35%. This cautious stance is due to inflation remaining above the desired target of 2-3%.

Predictions for when we might see rate cuts vary, with some experts suggesting November 2024 and others pointing to early to mid-2025. Stay tuned for updates!

If you’re a mortgage holder feeling the pressure, reach out to us. We have the expertise and resources to help you navigate these challenging times.

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𝐈𝐧𝐜𝐞𝐧𝐭𝐢𝐯𝐞𝐬 𝐅𝐨𝐫 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐞𝐫𝐬!👋
Are you or someone you know looking to buy a first home? 🏡 At Nectar Mortgages, we specialise in navigating the various schemes and incentives available to first-time buyers. Before you start your search, talk to us📲 We'll explain all your options and help you discover what you're eligible for😃 . Let’s make your home-buying journey a breeze!🍃

𝐂𝐫𝐮𝐧𝐜𝐡 𝐭𝐡𝐞 𝐧𝐮𝐦𝐛𝐞𝐫𝐬!
Using our handy calculator, find out how much you could borrow💸, what repayments you could afford🤔, and what tax you’d pay on a purchase. If you're looking for a loan or to refinance your current loan, get in touch📲 , and let's see what options are available and best suited to your situation.

Mortgage Repayment Calculator - Find out how much you could borrow Crunch the numbers on our mortgage repayment calculator, see how much you could borrow and what stamp duty you'd pay, calculate your home equity and more.

🥂✨🎉

Building on Sweet Success: Nectar Group Reaches New Heights as finalists for the Australian Broking Awards 2024.

We're thrilled to announce that Nectar Mortgages Group has been named a finalist in two prestigious categories at the Australian Broking Awards: Boutique Aggregator and Broker Marketing Platform of the Year!

This recognition builds on our previous WIN in the Boutique Aggregator category in 2023, and we're incredibly proud of our team's dedication and hard work. Our journey has been marked by a commitment to excellence and innovation, and this acknowledgment inspires us to continue reaching new heights.

We thank the judging panel at the ABA’s for these finalist nominations, this is a testament to Nectar’s ability to compete with industry giants. Despite our boutique size, we deliver the same level of excellence as the bigger aggregators, but with the added advantage of offering a personalized service to our customers and brokers. At Nectar, you're not just a number – you're part of the family.

Well done to all the team. Thank you for your commitment to excellence! We can’t wait for Friday 30th August when the winners are announced.

Nectar Mortgages - Stephen Harris , Nectar Mortgages: Paul Newell

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐢𝐦𝐩𝐫𝐨𝐯𝐞 𝐲𝐨𝐮𝐫 𝐛𝐨𝐫𝐫𝐨𝐰𝐢𝐧𝐠 𝐩𝐨𝐰𝐞𝐫?💪
If you're considering a home loan🏡 - whether it's a first home, an upgrade or an investment property, it pays to be prepared and get your finances in order 📑
Check out Nectar's 𝟏𝟎 𝐡𝐚𝐧𝐝𝐲 𝐭𝐢𝐩𝐬 to boost 🚀 your borrowing capacity!

Ways to improve borrowing power We have 10 useful tips to improve your borrowing capacity and help you get on the property ladder or into a new home sooner.

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐚𝐬𝐬𝐞𝐭 𝐟𝐢𝐧𝐚𝐧𝐜𝐞?
Asset finance allows businesses to access new or used vehicles🚛 and equipment🚜 💻 without paying a large sum upfront.
Spreading payments over time helps manage cash flow💸 , and you can typically use the item while you pay it off👌.
For businesses looking to grow 🌱, asset finance is a popular choice.
Want to discuss a large purchase? Talk to me today 📲 and let's explore your options.

𝐀𝐬 𝐲𝐨𝐮 𝐬𝐞𝐭 𝐮𝐩 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧🏠💵 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫 𝐰𝐡𝐚𝐭 𝐥𝐨𝐚𝐧 𝐟𝐞𝐚𝐭𝐮𝐫𝐞𝐬 𝐚𝐫𝐞 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐭𝐨 𝐲𝐨𝐮.
Knowing how each loan feature works will help you understand which are appropriate for your financial situation and lifestyle. Some can help you pay off your loan faster, while others allow you to access additional funds.
Read our blog to find out more about loan features and how they work👇

Home loan features explained Lenders offer features, like extra repayments, to provide flexibility to their loan products. Find out which features work best for you.

𝐇𝐚𝐯𝐞 𝐲𝐨𝐮 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐞𝐝 𝐚𝐧 𝐨𝐟𝐟𝐬𝐞𝐭 𝐚𝐜𝐜𝐨𝐮𝐧𝐭?
An offset account is an account linked to your home loan that operates like a transaction or savings account. It offsets the balance in that account against the balance of your home loan, so you'll only be charged interest on the difference.
𝐄𝐱𝐚𝐦𝐩𝐥𝐞: If you have a $500,000 home loan and $50,000 in your offset account, your lender will usually charge you interest on the loan balance of $450,000 ($500,000 - $50,000).
Like everything, there are pros and cons. Talk to us and let's see if an offset account is right for you📱💬

𝐋𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐧𝐞𝐰 𝐬𝐞𝐭 𝐨𝐟 𝐰𝐡𝐞𝐞𝐥𝐬 𝐨𝐯𝐞𝐫 𝐭𝐡𝐞 𝐰𝐞𝐞𝐤𝐞𝐧𝐝?🚘
Talk to us before you seal the deal. We have access to over 50 lenders and may be able to find you a competitive rate on finance. Happy Friday!😀

𝐓𝐨𝐩 𝐓𝐢𝐩𝐬 𝐭𝐨 𝐒𝐚𝐯𝐞 𝐖𝐡𝐢𝐥𝐞 𝐑𝐞𝐧𝐨𝐯𝐚𝐭𝐢𝐧𝐠! 🛠️
Renovating can boost your home's value 🏠, but budget overruns can be a nightmare 😧. Check out our tips for budget-friendly renovations 🗒️. Need a renovation loan? Contact us 📲 and let’s see what options are available for you.

Cost-saving tips to renovate on a budget Renovating your home is not a cheap endeavour, but these cost-saving tips could help you achieve great results without breaking the bank!