Mortgage solutions Pooja Arora

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Take charge of your financial destiny with Australia Wide Wealth Services!

Whether you're saving for retirement, building an investment portfolio, or planning for a specific financial goal, we'll provide the guidance and expertise you need to succeed.

Our holistic approach covers budgeting, saving strategies, wealth creation, tax planning, and superannuation management.

Contact us now and let the journey begin!

Wishing you and your loved ones a happy Diwali. ✨ 🪔

Unsure about the home loan process? Here are 6 simple steps to give you a rough idea on what to expect:

Step 1 – Meet with a Mortgage Choice broker.
Step 2 – Prepare the application.
Step 3 – Conditional approval.
Step 4 – Unconditional (full) approval.
Step 5 – Loan documents arrive.
Step 6 – Loan settlement.

As your broker, our service doesn’t end once your loan is settled. We will stay in touch to make sure your loan is the right solution for your needs now and in the future.

Myth Busted! Conditional approval doesn’t mean your loan is approved.

The purpose of a conditional approval (also known as pre-approval) is to let you know how much you’re eligible to borrow. However, lenders will usually still require extra information before your loan is fully approved. This information might include recent pay slips, a valuation of the property you’re buying and a fully signed and dated contract of sale. It’s best to wait until you have received a formal letter of unconditional approval from your lender before you celebrate.

At Mortgage Choice, you’re never a loan. Contact us today.

Here are three key steps to starting your journey as a property investor:

1. Establish goals and create a plan - understand your financial position, research the rental market in the area you wish to buy in, and know your potential return.

2. Ensure you have enough saved for a deposit (or if not, do your research on lenders mortgage insurance), and know how much equity you have in your current property.

3. Calculate the costs associated with an investment property, like stamp duty, body corporate fees, council rates and maintenance costs.

Contact us to discuss investment loans and to start your property investment journey.

New financial year, new goals.

Whether you’re wanting to buy your first home, considering refinancing, looking for a new car or need help ticking off your list of financial resolutions, we’re here to help.

Contact us today.

If you’re self-employed, having the right paperwork can make it much easier to apply for a home loan.

Good preparation can improve your chances of having your application accepted, so a good place to start is to have your business financial statements, and business and personal tax returns up to date.

You should also think about getting the following organised and ready to go:
✔ Business Activity Statements.
✔ Australian Business Number.
✔ Borrower income declaration if you’re applying for a low doc loan.
✔ A mortgage broker by your side.

We’ll do the hard work for you. Contact us today.

Debt consolidation involves rolling all your debts into one loan.

While this can reduce paperwork and may lower your overall interest rate, it can also increase your principal loan amount, which may result in a longer repayment timeline.

Debts to consolidate may include:
1. Your home loans.
2. Credit cards and store cards.
3. Personal loans and unsecured loans.
4. Car loans and leases.

If you’d like to discuss consolidating your debt, speak to us today.

Just as you can claim wear and tear on a car purchased for income-producing purposes, you can also claim depreciation on an investment property against your taxable income.

It’s important to seek professional tax advice tailored to your circumstances.

If you’re looking for a competitive investment loan, we can help you – contact us today.

When it comes to property investing, many people have a similar goal: build a portfolio that pays for itself each month, while growing in value.

Want to know more about how you can fund an investment property purchase to kick start that property portfolio? A mortgage broker can help.

Contact us today.

EOFY is approaching. For many of us, this time of year can be daunting. Paperwork. Receipts. Tax returns.

But what if 30 June could be an annual highlight? Here are some ideas for making the most of EOFY:

✔ Hold off on household purchases, then make the most of EOFY sales and discounts.
✔ Review the past year’s loan repayments. You could save thousands by refinancing to a better rate.
✔ Review all lending commitments, especially credit card repayments. You could save a significant amount in interest repayments by consolidating your debts.
✔ Review the past year’s expenses to see where you could be saving.

If you want to know more about how a mortgage broker can help you, contact us today.

Given the recent news coverage about HECS debt indexation being heavily impacted by rising inflation, you might be wondering how your HECS debt could affect your ability to secure a home loan.

When applying for a home loan, the impact of your HECS debt on your ability to service that debt will be considered.

If you still have student loans and want to apply for a home loan, chat to us today.

Capital gains tax or CGT is the tax you pay on profits from selling assets, such as investment properties. CGT is just one of the things it’s important to understand when considering investing in property.

If you’re looking for an investment loan, we can help you. Of course, you should always speak with your accountant for tax advice.

Contact us today.

The main difference between fixed and variable rate home loans is that fixed rate home loans have a set interest rate and repayment amount over a set period of time, typically one to five years, while variable rate home loans fluctuate as bank lending rates change.

If you’d like to know more about the different types of home loans, talk us today.

If you let your fixed term lapse at its expiry, it’s likely your home loan will revert to the ‘standard variable rate’, which may be higher than some of the competitive options available from other lenders.

Talk to us today to get an understanding of your options – including re-fixing your loan at a new rate, negotiating a better variable rate with your existing lender or refinancing with a new lender.

You’ve probably heard a lot about inflation over the past few months, but do you really understand what inflation is?

Inflation is the rate at which the general level of prices for goods and services rises over time. Rising inflation decreases the purchasing power of money.

If you’re concerned about how inflation might be affecting your ability to buy a home, talk to us today.