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Happy Chinese New Year of the Tiger 2022 🐯

Season greetings and best wishes from Estuary Financial. Make sure you spend this time with your nearest and dearest and enjoy the festive season. We will be off for a short break and resume support for existing applications from Wednesday 29th December 2021.

To all the Mother's out there holding it down at home. Today is all about keeping the dish washer loads as low as your home loan interest rates. At Estuary Financial our guiding pricing of "Three's" are: 1. If you're paying 3% or more and 2. Have not re-financed your home loan mortgage for over 3 years, contact us to establish a mortgage strategy that will optimise your home loan repayments with personalised home loan reviews that canvasses the best rates through a lender panel. 30 Lenders are always better than 1.📈

We are taking a short break across the Easter Break and return for service on Tuesday 6th April 2021 . Happy Easter everyone!

You wouldn’t imagine starting the year without a healthy dose sun, sea and beach. Be sure to stay on top of your home loan strategy as well. With interest rates at historical lows, we have access to lenders offering fixed interest rates as low as 2.00%* If you would like to see how you could save on loan repayments and map out the ideal mortgage loan repayment solution, contact us for a free consultation to explore how it can be done.

*subject to eligibility and lender criteria and requirements. For financial advise always seek to contact a financial professional in the first instance.

This year has presented challenges to each and every one of us like never before. We’ve had brushfires, floods, a global pandemic, economic downturn and a seismic shift in human interaction that no author or director could have scripted. It’s really tested our resolve but alas the year is finally drawing to a close and with it renewed hope, prosperity, empowerment and belief in 2021. I wanted to thank everyone that has put their trust in Estuary Financial as their finance brokerage of choice. We are completely blown away with the growth of our loan book in a mere 6 months! A big shout-out to also our channel partners as well. It’s been our unbelievable privilege in servicing you in offering true financial stewardship in enabling you to achieve your financial goals through our broad portfolio of secure lenders. We’ve got plenty more lined up in 2021 to add to our agnostic lender ecosystem to ensure we steer you away from the over-promised and underserved narrative you’ve all experienced in your financial lending journeys. Have a safe and prosperous 2021.🥳🤩📈

Too loyal or time-poor for a better rate? Problem solved.

Another month, another rate cut. Finance can be so tedious.
That is until you realise it could mean more money in your pocket. But how?
For many, matters of personal finance are so dull and/or difficult, they are immediately filed in the too-hard basket.
And for their trouble, or lack thereof, these people are often slugged with a 'lazy tax' - the price paid for staying put.
Loyalty too, or simply being time-poor, can also be offences punishable by debt in the world of finance.
But it doesn’t have to be this way.
The Australian Competition and Consumer Commission (ACCC) report showed that new borrowers with an average-sized residential mortgage paid up to $25,500 less on average over a typical loan lifetime in interest than existing borrowers with the same lender.
However, despite the apparent benefits, actively ensuring an interest rate remains suitable is a practice that continues to elude many.
Fortunately, there are people out there whose job it is to assist in this process.
Finance brokers can play a vital role in assisting borrowers through the process of ensuring their mortgage is competitive.
What are you waiting for? Contact us now for your free assessment.

This week it was hands down the the most common enquiry at Estuary Financial - The NSW First Home Buyers Assistance Scheme (FHBAS) and the criteria of eligibility. For first home buyers that have purchased vacant land or a home between 1 July 2017 and 31 July 2020 you may be eligible for either full exemption or concession on stamp duty. That is a saving of $29,085 for a new home and build valued at $750,000. Conditions apply. To confirm if you qualify speak to your conveyancer or solicitor in the first instance. In addition we've included below additional tips on becoming a first home buyer with our free download guide. Get yours now!
https://www.estuaryfinancial.com.au/home-loans/becoming-a-first-home-buyer/