BRH Capital

🤔 What happens if you buy before you sell? 🤔

Buy first? Or sell first? 🤨

It’s the classic conundrum for upgraders. 🙃

Thing is, you don’t have to wait for your old place to sell before buying - especially if the home of your dreams comes onto the market.

A bridging loan can span the funding gap while you wait for your current home to sell. 😎

The interest rates can be higher than a standard home loan. 😒

But on the plus side, bridging loans are usually interest-only, which can help make the cost more manageable. 🙂

So if you've bought before you've sold, and are starting to worry, get in touch with us today to find out if a bridging loan is suitable for you. 👇

To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

Property prices are expected to keep climbing higher through to mid-2025 – though not everywhere, according to a new report. We reveal where prices are tipped to go up, and where prices are expected to fall. 🏡

Will home prices keep rising over the next year? Property prices are expected to keep climbing higher through to mid-2025 – though not everywhere, according to a new report. We reveal where prices are tipped to go up, and where prices are expected to fall. What a crazy financial year it’s been for property prices. Despite a cost of living crun...

🤔 Can you recall your home loan interest rate? 🤔⁣⁣
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Apparently 42% of mortgage holders have no idea what interest rate they’re paying on their home loan (Mozo report). 😅⁣⁣
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And it’s an oversight that can cost you dearly. 😬⁣⁣
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As a guide, the average home loan interest rate for owner-occupiers is currently 6.4%, and 6.3% for new home loans (RBA data).⁣⁣
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How does your loan compare? 🤨⁣⁣
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Call us today to know what you’re currently paying, and whether you could save by switching. 👇⁣⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

🏠 What's the average home loan size where you live? 🏠⁣⁣
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Here’s how the average new home loan shapes up in your neck of the woods (ABS data):⁣⁣
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NSW – $770,000⁣⁣
VIC – $614,000⁣⁣
ACT – $581,000⁣⁣
QLD – $559,000⁣⁣
SA – $530,000⁣⁣
WA – $530,000⁣⁣
TAS – $434,000⁣aNT – $422,000⁣⁣
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Remember, averages don’t paint the full picture. 🎨⁣⁣
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What matters is that you have a loan you can manage.⁣⁣
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Talk to us to know your borrowing power, and let us help you get a loan that suits your budget. 👇⁣⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

Put the party pies on ice and postpone those rate-cut celebrations. The much-touted rate cuts we’ve been waiting for may not arrive until 2025. Here’s why rates could be staying higher for longer, and how to take action yourself. 🏡

Rate cuts? Pencil them in for 2025 Put the party pies on ice and postpone those rate-cut celebrations for a while yet. The much-touted rate cuts we’ve been waiting for may not arrive until 2025. Here’s why rates could be staying higher for longer, and how to take action yourself. June saw the Reserve Bank of Australia (RBA) keep ...

📢 Have you heard of loud budgeting? 📢⁣⁣
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Lending to first home buyers is up, and NAB research puts it down to many young Australians embracing ‘loud budgeting’. 📣⁣⁣
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It’s all about boldly letting friends/family know you’re sticking to a budget to kick some serious savings goals. ⚽️⁣⁣
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Chances are, they’re keen for you to save too. 🙌⁣⁣
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So, instead of a pricey night out, you may decide to catch up over a low-cost night in - with the idea being that your closest family and friends understand why.⁣⁣
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Talk to us for more strategies that can help you get into a place of your own sooner. 👇⁣⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

⏳ Time is on your side when you're an investor ⏳⁣⁣
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Keen to succeed on your investment property journey? 💪⁣⁣
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All you may need is time.⁣⁣
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CoreLogic’s latest Pain & Gain report shows properties re-sold in the final quarter of 2023 made a median profit of $310,000. 🙌⁣⁣
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But the big money went to those who held for longer:⁣⁣
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✅ Properties held for 20 years earned a $425,000 median profit⁣⁣
✅ Those held for 30-plus years scored a median profit of $784,000.⁣⁣
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Your loan can play a role too. And that's where we come in by helping match you up with a suitable investment property loan.👇⁣⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan. 🏡

Is a tree or sea change on your horizon? Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan. The classic tune ‘Home among the gum trees’ is fast becoming a lifestyle anthem for a growing number of Aussies. A surgi...

🪓 Want to chop your home loan rate? 🪓⁣⁣
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RateCity recently found that 80% of people who’ve asked their lender for a rate cut, got one. 👍⁣⁣⁣
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But it’s not that simple. You need to:⁣⁣
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✅ ⁣Know your home loan rate⁣⁣
✅ ⁣Know the rate your bank is offering new customers, and⁣⁣
✅ Arm yourself with rates from other lenders, and be prepared to walk if your lender doesn't want to play ball.⁣⁣
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Sound like too much hard work?⁣⁣
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Well, one solution is to give us a call and we'll help guide you. 👇⁣⁣⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

🔨 Shrinkflation: the hot new renovation trend? 🔨⁣⁣
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Aussies love a good renovation project! (any The Block fans around here?) 😅⁣⁣
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But we don't all have dozens of sponsors to help us fund a reno for a multi-million dollar mansion. ⁣⁣
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Instead, some homeowners are beating high costs by scaling back their plans. 🤨⁣⁣
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Housing Industry Association research* shows affordability and value are becoming key considerations for renovators.⁣⁣
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That’s seeing ‘shrinkflation’ kick in as homeowners opt for smaller but perfectly formed spaces - especially when it comes to costly improvements like bathroom upgrades. 🚽⁣⁣
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What also matters is how you fund your home improvements. 👍⁣⁣
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And that's where we come in. Call us today to discover what financing options you have available to you for your next reno project. 👇⁣⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help. 🤜 🤛

Why three-in-four Aussies turn to a broker for home loan help You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help. Borrowers are more spoilt for… Cont...

🤔 Is home ownership the key to happiness? 🤔⁣
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Your home isn’t just a roof over your head. It’s also a source of joy! 😁⁣
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A recent survey by Great Southern Bank shows that owning a home has the power to bring extra happiness to our lives.⁣
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It’s like comfort food for your financial well-being. 😅⁣
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Want to boost the feel-good factor?⁣
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Let us help line you up with a home loan that’s right for your needs. 🙌⁣
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Right home. Right loan. Great combo. ✅⁣
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Talk to us to find your ideal mortgage match, and unleash your inner joy. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

🙌 Mortgage brokers have done it again! 🙌⁣
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We’ve just notched up another industry win, setting a new record for market share. 😮⁣
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72% of Aussies now turn to a mortgage broker for help landing a home loan (MFAA stats).⁣
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Makes sense (to us at least!). Because as your broker, our job is to help you:⁣
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✅ Potentially save with a competitive rate⁣
✅ Enjoy better loan features⁣
✅ Buy your home or investment property with confidence knowing a broker is on your side.⁣
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So if you're looking for a home loan specialist, call us today and we'll help you find a loan that suits your needs. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level: helping their grandkids buy a first home. 🏡⁣⁣

First home buyers turn to Bank of Nan and Pop Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level: helping their grandkids buy a first home. Most of us have special memories of pocketing a few treats from Granny and Gramps. But it turns out those small gestures of affect...

🔨 How do construction loans work? 🔨⁣
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Instead of receiving a lump sum from the lender, a construction loan drip feeds funds in line with various stages of the project, including:⁣
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✅ Laying the slab⁣
✅ Erecting the frame⁣
✅ Reaching lock-up⁣
✅ Fitting out your home⁣
✅ Completion of construction.⁣
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This arrangement offers some valuable advantages. 😁⁣
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Loan interest is only calculated on the funds drawn down, not on the total value of the loan. And during the construction period, you’ll generally be asked to make interest-only payments.⁣
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Once your new home or renovation is complete, your construction loan will typically roll into a regular home loan. 🏡⁣
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So if you’re looking to build or renovate, talk to us today about your funding options and we’ll aim to help you get the ball rolling on your construction project sooner. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

🦅 Lending to property investors is soaring once more 🦅⁣
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The value of new investment loans in February 2024 was 21.5% compared to a year ago, according to ABS data. ⁣
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What’s driving investor interest? 🤔⁣
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✅ Vacancy rates at a record low 0.7% (Domain data)⁣
✅ Expectations of a possible rate cut later this year⁣
✅ A jump in listings giving investors more choice (SQM research).⁣
✅ Potential tax savings of negative gearing (seek your accountant/financial planner's advice).⁣
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Ready to become a property investor yourself?⁣
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Talk to us today about the investment loan that matches your needs. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works. 🏡⁣⁣

What you should know before buying ‘subject to finance’ Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works. Picture this. You’ve seen a home you’re crazy about, and you don’t want to miss out to…...

💪 How does your home loan rate shape up? 💪⁣
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Your home loan may have had a red hot rate back in the day. 🙌⁣
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But is it still competitive? 🤔⁣
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One in five borrowers haven’t compared rates since first taking out their loan (Mozo report).⁣
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Keeping on top of your loan rate doesn't need to be difficult though. 🙃⁣
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Talk to us about a home loan review. 🙌⁣
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It lets you know if your loan is still getting a good rate – with all the features and flexibility you need. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

⏳ How long does it really take to get a home loan? ⏳⁣
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As soon as you pay a deposit on a home, the clock is ticking to line up a home loan. ⏰⁣
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Finance (or cash 😅) is required by settlement, or you could cop costly fees and penalties. 😬⁣
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As a rule, try and allow around 4-6 weeks to land a loan. ⁣
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There’s plenty you can do however to help speed up the process:⁣
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✅ Talk to us to know if your finances are home-loan ready⁣
✅ Have the paperwork in place that lenders like to see⁣
✅ Check you’ve completed the loan application accurately⁣
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Ask us about loan pre-approval too. It can be a lot less stressful than applying for a loan after you’ve paid a deposit. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you can start working towards your property goals now. 🏡⁣⁣⁣⁣⁣
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Not feeling the budget love? 4 ways you could still get ahead If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you could start working towards your property goals now. The 2024 federal budget is out, and you might be wondering what’s in it for you. Sure, a...

🤨 Is FOMO, FOBO or FOOP clouding your judgement? 🤨⁣
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Three common mind traps can get between you and your property goals. 🏡⁣
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Fear of Missing Out (FOMO) is the most famous of the trio and can lead to overpaying (and thus, taking on too much debt), as buyers race into the market to buy before prices potentially rise higher. 📈⁣
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Fear of Better Options (FOBO), on the other hand, can see buyers waiting on the sidelines for too long (or indefinitely!) for a better property to come along. ⏰⁣
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Fear of Over Paying (FOOP) can also be a big mental block. But plenty of research can let you know if you’re paying a fair price. 👍⁣
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If you've got doubts about what you can afford to buy, speak to us today and we'll help you assess your borrowing capacity. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

🏡⁣ Home owners now have an extra $71,000 in equity (on average) 🏡⁣⁣
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CoreLogic's home value index has skyrocketed $71,832 since January 2023. 📈⁣
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That could mean a 5-figure jump in your home equity! 🙌⁣
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Want to make your home equity work harder for you? ⁣
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Here are some potential ways you could leverage it:⁣
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🏡 Refinance your home loan to save on interest⁣
🏚 Tap into renovation funds to improve your home’s value⁣
🏘 Buy an investment property without (possibly) dipping into cash savings⁣
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Talk to us today about ways you could unlock your equity and pursue other opportunities. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner! 🏡⁣⁣

Low deposit scheme helps over 150,000 families buy sooner Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner! When you’re saving fo...

🏘 Millennials: Australia’s most active property investors 🏘⁣⁣
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New CommBank data shows Millennials (born 1981 - 1996) accounted for almost half (46%) the bank’s new property investors in 2023. 😮⁣⁣
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Almost 1-in-3 Millennials have purchased an investment property solo, without the help of a partner.⁣⁣
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Plenty are also doing it by ‘rentvesting’ – buying property where they can afford, then renting where they want to live. 🙌⁣⁣
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Ready to become a property investor? 🤔⁣⁣
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Talk to us to know how much you can borrow, and let's try and get you into the market sooner. 👇⁣⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

🚗 Records are being smashed in the new car market 🚗⁣
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Over 105,000 new vehicles were sold in February 2024, an increase of 21% on 2023 (FCAI stats).⁣
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But deciding how to pay for your car can be just as important as the make/model you choose. 🤔⁣
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Dealer finance may seem quick and easy. 🤨⁣
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But applying for car finance before you hit the car yards can provide you with:⁣
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✅ More choice⁣
✅ The potential for more affordable finance⁣
✅ Turbo-charged negotiating power if your car loan is pre-approved.⁣
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Love your car. Love your car loan. 🚙⁣
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Call us today to help get you into a new set of wheels. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost. 💪⁣

Here’s why your borrowing power might soon get a lift Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost. The upcoming Stage 3 tax cuts have… Continue reading Here’s wh...

📈 Offset accounts have hit new highs 📈⁣
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Somehow, it turns out not everyone is scratching for cash right now.⁣
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Many home owners have money stashed away in their home loan offset accounts. 😮⁣
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There’s a record $265 billion tucked into offset accounts around the country, according to APRA quarterly data.⁣
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And it’s seeing borrowers save around $1.4 billion in monthly interest charges (RateCity estimate).⁣
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Trouble is, offsets aren’t suitable for everyone. 🤔⁣
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They don't work with fixed-rate home loans (unless you split it half-half with variable), and they tend to work best if you have big savings.⁣
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Could it be right for you though? Call us today to find out. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

🏡 Choice ramps up for prospective house hunters 🏡⁣
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The number of homes coming onto the market is increasing, with new listings on realestate.com.au up 12% nationally in January. 📈 ⁣
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It’s potentially great news for home buyers, who now have more choice. 👍⁣
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Drawing up a list of must-have home features can help you stay focused during your property search. 🙌⁣
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It also helps to be ready to act when you see a place you’d like to buy. 🏠⁣
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Another way to be prepared is to have home loan pre-approval in place. ⁣
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That can help you set a buying budget, so you can focus on homes within your price range. 🏡⁣
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It also means you can make an offer with confidence – and stay one step ahead of less-organised buyers. 👇⁣
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To find out more, DM us or contact BRH Capital on:

📞 Mes Ulusoylu – 0420 433 528
💻 [email protected]

📞 Tim Bateman – 0421 457 494
💻 [email protected]

We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a place – and paying too much in the process. 😅⁣⁣

How to know if you’re paying a fair price We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a place – and paying too much in the process. Buying a home is an exciting prospect, but it’s perfectly natural to have a big dose of nerves given that you’re likely com...