Vault Finance

Note to Self:
“If you feel exhausted, take a break for a while. Don’t be too hard on yourself. Give yourself time to heal.” 🌿💚

Feeling overwhelmed by the home-buying process? 🏡💭 It’s okay to take a breather. At Vault Finance, we understand that saving for a deposit can be tough. That’s why we’re here to help with our Deposit Boost Loan, designed to make your journey smoother and stress-free.

💰✨ Boost your deposit, increase your buying power, and get closer to your dream home with ease. Contact us today and let our expert team guide you every step of the way.

🎉 Happy Friday, everyone! 🎉

The weekend is just around the corner, and we couldn’t be more excited! 🌟 At Vault Finance, we believe in working hard and enjoying life’s little moments. As we wrap up another fantastic week, we want to thank all our amazing clients for trusting us with your financial dreams.

We’re also thrilled for the start of the Olympics! 🏅🌍 It’s a time to celebrate unity, perseverance, and the incredible achievements of athletes from around the world. Just like these athletes, we’re dedicated to going the distance for you, ensuring your financial goals are met with our friendly, professional, and tech-savvy approach. 🤝💡

Wishing you all a wonderful weekend filled with joy, relaxation, and Olympic spirit! 🌈

🚀 Exciting News Ahead! 🚀

Hey friends, we’ve got something BIG coming your way soon! Stay tuned for a surprise announcement. You won’t want to miss this! 🎉

At Vault Finance, we jump for joy when we find the perfect home loan deal for you! 🏠🐾

🏦🔍 Did you know? Mortgage brokers are legally bound to act in your best interest, while banks are not. 📜✨

At Vault Finance, we take our Best Interest Duty seriously, ensuring that every recommendation we make is tailored specifically to your needs and financial situation.

🤝 Why Choose a Mortgage Broker?
🔹 Best Interest Duty: We prioritise YOUR needs over ours.
🔹 Wide Range of Lenders: Access to multiple lenders and hundreds of loan products.
🔹 Personalized Solutions: Tailored advice to find the perfect mortgage for you.
🔹 Expert Guidance: Professional advice throughout your home buying journey.

🏠 Whether you’re a first-time homebuyer, looking to refinance, or planning to invest, we’ve got the expertise and resources to help you achieve your goals.

💬 Have questions? Drop them in the comments below or send us a DM! Let’s make your homeownership dreams a reality. 🗝️

🏡 Exciting News for First Home Buyers! 🏡

Dreaming of owning your own home but struggling to save a large deposit? The First Home Loan Deposit Scheme (FHLDS) is here to help! 🌟

🔹 What is it?
The FHLDS allows eligible first home buyers to purchase a property with as little as a 5% deposit, without needing to pay for Lenders Mortgage Insurance (LMI).

🔹 How does it work?
The government guarantees up to 15% of the loan, helping you secure a home loan with a smaller deposit and saving you thousands on LMI costs.

🔹 Who is eligible?

• First home buyers with a deposit of at least 5%
• Australian citizens aged 18 or over
• Singles with a taxable income of up to $125,000 per year
• Couples with a combined taxable income of up to $200,000 per year

🔹 Why take advantage?

• Get into the property market sooner
• Save on LMI costs
• Increase your borrowing power

Ready to take the first step towards home ownership? Contact Vault Finance today to see if you qualify for the FHLDS and start your journey to owning your dream home! 🏠✨

Ask me about OwnHome, a deposit loan lender that makes it possible for you to move into your dream home today for just 2.2% upfront. OwnHome is a great path for those who are ready to become a homeowner, but don’t have the savings needed for their deposit.

If you have a high household income, great credit scores but need support with your deposit, a deposit loan could be for you.

Get in touch to learn more!

^ 2.2% is with reference to the purchase price of the house. Subject to eligibility and assessment. Lending criteria and T&Cs apply. Fees and charges apply - refer to the Target Market Determination.

https://www.ownhome.com/?OHref=OH-BRKR-3ZK5XJM4

🏡 Your Guide to Buying a House! 🏡

Ready to find your dream home? Follow these steps to make the process smooth and exciting! 🚀✨

1️⃣ Assess Your Finances 💰

Save up for a deposit (ideally 20%).
Check your credit score.
Create a budget for all costs (deposit, stamp duty, legal fees, etc.).
2️⃣ Research the Market 📊

Study property prices and trends in your preferred areas.
Attend open houses to get a feel for the market.
3️⃣ Get Pre-Approved for a Loan 🏦

Compare lenders for the best mortgage rates.
Apply for pre-approval to show sellers you’re serious.
4️⃣ Engage a Real Estate Agent 🕵️‍♂️

Find a reputable agent who knows the market.
Discuss your criteria and start the hunt!
5️⃣ Start House Hunting 🔍

Check property listings online and offline.
Attend inspections to see properties in person.
6️⃣ Make an Offer ✍️

Decide how much you’re willing to offer based on your research.
Submit your offer through your agent.
7️⃣ Arrange Inspections 🛠️

Hire professionals for building and pest inspections.
Review the reports carefully.
8️⃣ Finalise the Loan ✅

Complete your loan application.
Secure formal approval from your lender.
9️⃣ Exchange Contracts 📑

Have a solicitor review the contract of sale.
Sign and exchange contracts, and pay the deposit.
🔟 Cooling-Off Period (if applicable) ⏳

Check if your state offers a cooling-off period to reconsider.
1️⃣1️⃣ Settlement 🗝️

Conduct a final inspection.
Transfer the funds and receive the keys!
1️⃣2️⃣ Move In 🎉

Plan your move and set up utilities.
Enjoy your new home sweet home!

Happy house hunting! 🏡✨ If you have any questions or need assistance, we’re here to help. Contact us today! 📞💬

As we close out the financial year, the team at Vault Finance extends a heartfelt thank you to all our clients and partners. Your trust and support have been instrumental in our success, and we are truly grateful.

Over the past year, we have had the privilege of helping many of you achieve your homeownership dreams and financial goals. Your journeys have inspired us, and we are proud to have been a part of them.

Looking ahead, we are excited to continue providing you with exceptional service and innovative mortgage solutions. Together, we can achieve even greater success and help more people turn their homeownership dreams into reality.

Thank you for being a part of the Vault Finance family. Here's to a prosperous new financial year!

📅✨ End of Financial Year Savings! ✨📅

As we wrap up another financial year, it's the perfect time to invest in your future. If you've been dreaming of owning a home, now is the time to act! 🏡🔑

Take advantage of our End of Financial Year specials:
✅ Competitive interest rates
✅ Flexible loan options
✅ Expert advice

Whether you're a first-time buyer or looking to expand your property portfolio, we’re here to help you achieve your goals. Don’t miss out on these exclusive offers!

Get in touch with us today and let’s make your homeownership dreams a reality. 📞💬

🔑

🚀 End of Financial Year: Time to Review Your Finances! 🚀

As we approach the end of the financial year, it’s the perfect moment to review your financial health and plan for the year ahead. 📈💼

Consider these steps to make the most of your financial position:
🔍 Review your mortgage rates and loan terms
💰 Take advantage of potential tax deductions
🏡 Explore investment opportunities in the property market

At Vault Finance, we’re dedicated to helping you navigate the complexities of the finance world. Let’s work together to maximise your savings and achieve your financial goals.

Contact us today for a personalised consultation and make the most of this EOFY period! 📊💬

🔑

CASH RATE ON HOLD 4.35%

🎉 Happy Friday, Everyone! 🎉

It's that time of the week again - the weekend is almost here! 🙌

As we wrap up the week, let's take a moment to celebrate our accomplishments, big and small. Whether you've conquered a challenging project, made progress towards your goals, or simply survived the week with a smile, you deserve a pat on the back!

Now, it's time to kick back, relax, and recharge for the adventures the weekend holds. Whether you're planning exciting outings, cozying up with a good book, or simply enjoying some downtime, we hope your weekend is filled with joy and relaxation.

From all of us at Vault Finance, have a fantastic Friday and a wonderful weekend ahead!

💼 Maximise Your EOFY Benefits with Asset Finance! 💼

The End of Financial Year is just around the corner, and now is the perfect time to take advantage of asset finance to boost your business and maximize your tax benefits.

At Vault Finance, we specialise in providing tailored asset finance solutions to help you acquire the equipment and assets your business needs to thrive.

🌟 Why consider EOFY asset finance?

✅ Tax Deductions: Make the most of tax benefits by financing assets before the financial year ends.

✅ Cash Flow Management: Spread the cost of new assets over time, keeping your cash flow healthy.

✅ Immediate Access: Get the equipment you need now to boost productivity and growth.

✅ Competitive Rates: Enjoy attractive finance options tailored to your business needs.

Don’t miss out on the opportunity to optimise your finances this EOFY. Reach out to us at Vault Finance and let’s make your asset purchases work for you!

📞 Contact us today to learn more about our EOFY asset finance solutions.

🚫 The SIS Act Doesn’t Allow SMSF Construction? We Have a Solution! 🚫

Frustrated by the SIS Act restrictions on using your Self-Managed Super Fund (SMSF) for property construction? You're not alone. But guess what? There’s a way to work around it!

At Vault Finance, we specialise in creative solutions that help you maximise your SMSF's potential, even with the strict regulations in place.

🌟 Why reach out to us?

✅ Expert Guidance: Navigate SMSF rules with ease.

✅ Innovative Strategies: Discover unique ways to grow your investments.

✅ Tailored Solutions: Find the right approach for your financial goals.

Don’t let SMSF restrictions hold you back. Contact us today to learn more about how we can help you achieve your investment dreams!

📞 Get in touch now to find out more.

Deposit loans are changing home buying in Australia! OwnHome’s Deposit Boost Loan is a loan that covers the 20% deposit you need for a traditional loan. OwnHome loans you the amount you need for a deposit, and that sum can then be paired with a regular 80% LVR home loan from another lender. Get on the property ladder for just 2.2%^ upfront, plus government fees. Want to learn more? Get in touch!

^ 2.2% is with reference to the purchase price of the house. Subject to eligibility and assessment. Lending criteria and T&Cs apply. Fees and charges apply - refer to the Target Market Determination.

🌟 Jump into the Sydney Housing Market with Ease! 🌟

Worried about the rapid increase in Sydney house prices? You’re not alone! Many of us feel the pressure to secure a home before prices climb even higher. But what if you don’t have a full deposit?

At Vault Finance, we understand the challenges first-time homebuyers face. That's why we offer OwnHome's Deposit Boost Loans to help you get your foot in the door sooner rather than later!

🏡 Why wait? Here's how Deposit Boost Loans can help:

✨ Low Deposit Options: Get started with a smaller deposit, making it easier to enter the market quickly.

✨ Flexible Terms: Tailored to suit your financial situation and goals.

✨ Expert Guidance: Our team will support you every step of the way.

Don’t let the fear of rising prices hold you back. Take the leap with Vault Finance and make your dream of homeownership a reality!

📞 Contact us today to learn more about how our Deposit Boost Loans can work for you!

https://www.ownhome.com/?OHref=OH-BRKR-3ZK5XJM4

🌞 Hope You Had a Lovely Weekend! 🌞

We hope your weekend was filled with relaxation, joy, and maybe a little adventure too! As we step into a new week, remember that we're here to support your homeownership journey every step of the way.

Whether you’re looking to buy your first home or expand your property portfolio, Vault Finance is here to help. Let’s make this week productive and get you closer to your dreams!

Have a fantastic week ahead!

💼 Take Control of Your Retirement with an SMSF! 💼

Are you looking for more control over your superannuation and investment choices? A Self-Managed Super Fund (SMSF) might be the perfect solution for you!

At Vault Finance, we specialize in helping you set up and manage your SMSF, giving you the freedom to tailor your investment strategy to suit your retirement goals.

🌟 Why choose an SMSF?

✅ Greater Control: Make your own investment decisions.

✅ Flexibility: Invest in a wide range of assets, including property.

✅ Cost-Effective: Potentially lower fees compared to retail and industry super funds.

✅ Tax Benefits: Optimize your tax position for a more comfortable retirement.

Our expert team at Vault Finance is here to guide you through the entire process, ensuring your SMSF is set up correctly and managed efficiently.

📞 Contact us today to learn more about how an SMSF can benefit you!

Ask me about OwnHome, a deposit loan lender that makes it possible for you to move into your dream home today for just 2.2% upfront. OwnHome is a great path for those who are ready to become a homeowner, but don’t have the savings needed for their deposit.

If you have a high household income, great credit scores but need support with your deposit, a deposit loan could be for you.

Get in touch to learn more!

https://www.ownhome.com/?OHref=OH-BRKR-3ZK5XJM4

^ 2.2% is with reference to the purchase price of the house. Subject to eligibility and assessment. Lending criteria and T&Cs apply. Fees and charges apply - refer to the Target Market Determination.

HUGE NEWS!!
Purchase a $1m home through a buyers agent with only $62k
NO LMI

R U OK? Today is R U Ok day. Make sure you take time to ask your loved ones if they are ok.

Benefits of purchasing property 🏡 through an SMSF

✅Tax benefits: Property held in an SMSF is taxed at a concessional rate of 15%, and capital gains on the property are taxed at a discounted rate of 10% if held for longer than 12 months. This can save you a significant amount of money on taxes.
✅Greater flexibility: You have more flexibility in how you manage your SMSF than you do with other types of superannuation funds. For example, you can use your SMSF to purchase property in your own name, or you can lease the property back to your business.
Increased retirement savings: The growth of your SMSF is tax-free, so any income or capital gains that your property generates will help to grow your retirement savings faster.
✅Control: You have complete control over the investment decisions made by your SMSF, so you can choose the properties that you believe will give you the best returns.

Risks of purchasing property through an SMSF

❌Leverage: If you borrow money to purchase property through your SMSF, you are exposed to the risk of defaulting on the loan. This could result in the loss of your property and your superannuation savings.
❌Complexity: Managing an SMSF can be complex, and there are a number of rules and regulations that you need to comply with. If you are not comfortable making investment decisions, you may want to consider hiring a professional to help you.
❌Risk of loss: The value of property can go down as well as up, so there is always the risk of losing money if you invest in property through your SMSF.

Just in, RBA leave the cash rate at 4.10%

Auction clearance rates for week ending 23rd for comment below if you want to know the stats on your suburb.

Stuck in a low doc loan?
Stop being a mortgage prisoner and reach out to us today

Discover the benefits of working with a mortgage broker 👇

http://www.vaultfinance.com.au/uncategorized/what-are-the-benefits-of-working-with-a-mortgage-broker/

Is there any benefit of working with a mortgage broker when applying for a home loan? 🤔

http://www.vaultfinance.com.au/blog