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In August, one of Australia’s biggest lenders slashed its introductory variable rates by 0.20% for both owner-occupiers and investors with principal and interest home loans.

​Craig Betalli, Senior Finance Specialist at OurBroker says,“In my view, moves by lenders to slash introductory rates while increasing fixed rates is purely a marketing ploy."
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​Read more below:

Why are some lenders cutting variable intro rates but are increasing fixed rates? In August one of Australia’s biggest lenders slashed its introductory variable rates by 0 20 for both owner occupiers and investors with principal and interest home loans This announcement reduced the lender’s lowest variable rate loan to a tick below 2 for two years After this period the mortga...

What is the value of working with a mortgage broker?
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​Whether you’re a first-time homebuyer, a sophisticated investor, or a downsizer, there are many benefits in seeking the services of a mortgage broker.

​Contact Our Broker today: www.ourbroker.net.au

What is the value of working with a mortgage broker? - Homeowners & Buyers - Real Estate News - Raine & Horne Whether you’re a first time homebuyer a sophisticated investor or a downsizer there are many benefits in seeking the services of a mortgage broker In the first instance a mortgage broker can save you time by telling you that you qualify for a mortgage within 10 15 minutes Better still a finance sp...

There are many reasons why home loans can be denied, the most common ones are:
​▪️ Defaults on your credit report
▪️​Having an insufficient income
▪️​Lacking in deposit funds
▪️​Having too many other debts
​▪️Providing incorrect details
▪️​Lacking in savings history

Set targets to pay off your debt 🏁
​Having a target for each week, fortnight or month can be one of the easiest ways to beat your debt and efficiently manage your finances.

What can debt consolidation do for you? 🔍
1. ​Reduce the number of loan payments you make each month
2. Give you access to a potentially lower interest rate
3. Be an accurate end date to your principal & interest loan facility

Have you heard of value-based budgeting?👛
​A great option if you are worried that budgeting will mean you have to cut back on everything! With this principle, you commit to re-evaluating your priorities and then refine your spending baced on what truly adds to your happiness and quality of life.

Are you regularly reviewing your superannuation and making minor adjustments to what you are investing? Remember that over the span of your lifetime, small changes can make a huge difference 💥

Don't regret your debt! ✅
​There is nothing wrong with debt, and many of us will need to take it on at some point in our lives. If you're looking to buy a home, and feel your existing debt is stifling your savings goals, then it may be time to get in touch with us to discuss your options.⠀

The team here at Our Broker are leaders in helping leverage your current income stream in the most effective way to get you closer to your life goals faster. Let's chat today!

How to get the best deal on your finance:
​1️⃣ : Contact us - your loan experts (at no cost of course). ⠀
2️⃣ : Relax while we do the research. ⠀
3️⃣ : Enjoy a brighter financial future!

📌 Did you know that different postcodes and certain types of properties fall into differing risk categories for certain lenders? We would love to talk this through with you - get in touch today!

Mid-week budgeting tip: UNSUBSCRIBE! 📫
How many emails do you get each week with a new sale, deal or $20 off your next purchase inside? Be bold and remove the spending temptation.. out of sight, out of mind. ⁠

⚜️ Assets Vs. Liabilities⚜️
​Assets are classified as resources you own that have monetary value - things like cash, real estate and investments.
​Liabilities are defined as things you owe - this includes loans, accrued expenses and taxes.
​Calculating your net worth is a great way of tracking your financial progress over time. It's a simple formula: the value of your assets minus the value of your liabilities = your net worth.⁠

☕ Is your home loan running at optimum health? If you haven't reviewed your home loan lately, then chances are you could get a better deal - that might mean more money back in your pocket, or you shaving years off your loan.

Our team are here to help you get the best deal, get in touch today!

✏️ Mid-week budgeting tip: Take stock of those subscriptions!
​Convenient as they may be, $10 here and $12 there really do add up in the long run. Today is the day to assess what you have, and what is and is not necessary. 💭

There are thousands of home loan options in the market and our team make it easy to navigate through which is best for you. This is a fee-free service to you so let's chat today! 💡 ⠀⠀⠀⠀⠀⠀⠀⠀

Should you bother refinancing?💡
Generally, borrowers are enjoying much better interest rate outcomes on their home and especially investment loans in the current environment through refinancing.
We offer choice, so before contacting the bank, talk to us!

Obtaining finance for an investment property is easier than many people think. You can even use the equity in your own home!🌞
We can help you make it happen - contact us today!

Do you need Mortgage Insurance?
Although you're not required to have life, critical illness or disability insurance, a mortgage is a large debt and should be life insured, for your family's peace of mind.

We deal directly with lenders on your behalf and take the task of finding you the best possible product and rate personally.

We are YOUR broker Whether you want to purchase or refinance a home, or just find some extra cash, Our Broker is here to help.

What will a lender look at when you are applying for finance?
Typically, a lender wants to see the last two consecutive payslips, breakdown and evidence of Funds to Complete (3 months of bank statements showing salary credits and savings pattern), 100 points of identification, and if you've found a new home, a contract of sale with names matching your ID.

Professional, dedicated and experienced? Yes. However, at our core, we are unwaveringly dedicated to helping you access to the best value and most appropriate finance and mortgage options Our Broker is YOUR broker!

Our Broker is YOUR BROKER
Always on your side, and we are proud to be helping Australians obtain finance that best suits their circumstances and allows them to realise their property dreams. Your broker will work on your behalf, not the banks, to ensure that you get the most competitive rate within a product best suited to your needs and we do it fast and for free.
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We are proud to be helping Australians obtain finance that best suits their circumstances and allows them to realise their property dreams. Contact one of Our Broker’s finance specialists for more information about how we can help.

We work on your behalf, not the banks, to ensure that you get the most competitive rate within a product best suited to your needs and we do it fast and for free Our Broker is YOUR broker!

Our Broker is YOUR Broker
We are dedicated to making your financing journey a streamlined, stress-free and easy-to-navigate experience from start to finish.

We are passionate about helping you and your loved ones live their best life. Talk to us today for an obligation-free look at your finance options!

What is Stamp Duty?
Stamp Duty is a government tax imposed on contracts, with the amount usually calculated as a percentage of the contract value. So basically, it is the tax charged for your legal documents to be 'stamped'.

Our Broker is YOUR Broker
When it comes to finding the right lending product, we know that one size does not fit all, and we are passionate about sourcing products that suit your circumstances. We source rates and products from major banks as well as foreign subsidiary banks, building societies, credit unions and other specialist lending institutions.