Clear Options Finance

A HUGE thank you to everyone who attended our launch party 🎉 last night. We couldn’t have wished for a more successful night. I am so grateful for how much love the community has shown me & embraced me as a local. I’m so looking forward to sharing my knowledge & supporting you all.
Continued in slides 👉🏼

We’re excited!! Countdown to our launch party is now only hours away! We’ve got a fab crowd coming along to network & learn. If you haven’t already RSVP’d get in quick there are only 3 spots left!
Looking forward to meeting everyone, sharing information & a drink.

Thanks to everyone that has RSVP’d! For those interested but haven’t quite committed, please RSVP so we can ensure plenty of food and drink for everyone! If you have any dietary requirements (ie vegetarian, allergies etc) please let us know, we are more than happy to cater to you! For any dietary requirements, DM through to us! Look forward to seeing you Thursday from 6pm!

The countdown is on! 5 days to go, a few spots still available to attend. Click link in bio to secure a spot. This is a free launch event with an information session - limited numbers. Hope to see you there!

Not long now till our launch, excited to meet you all and provide advice and guidance on all things home loans. Make sure you have RSVP’d to go into the lucky door prize. Link in the bio 👆🏼

Hope to see you there
MG

On Hold!

Good news for home owners as the RBA has kept the cash rate on hold at 4.35% for the 5th month in a row. If you would like a review of your current interest rate please contact Mary on 0478 732 343

Hi I’m Mary, I own Clear Options Finance. We are a mortgage brokering business launching on the beautiful Mid North Coast. Please join me for our offical launch party at Spice Monkey, Forster on the 27th June 2024. Hope to see you there. MG

Don’t forget to RSVP to our launch party via link in the bio to go in the running for the lucky door prizes

Looking forward to meeting you all at Spice Monkey on the 27th June ready to answer your questions on how to get a loan for your home or business.

Wishing you all a safe & joy filled Christmas 🎅🎄🤶 & a Happy New Year 🥳🥂

Friends & clients, your support has made our year merry & bright . . . we're so grateful to have you as part of our circle 🤗 & hope that we’ve made life a little happier as you settled into your new homes or built wealth with investment properties. Look out for some exciting plans & events as we expand in the coming year 🤓

As 2024 approaches may your days throughout the year be filled with laughter, love, & all the good stuff 🥳 Here's to a festive season full of joy and a New Year that's off-the-charts amazing! 🎉🍾 & remember that the best gifts are time, love & kindness.

Kind regards,
Mary Grant.

Give us a call today 📞🏡

After a surprise lift in the cash rate last month followed by a decline in the inflation rate for October figures the RBA has decided to leave the cash rate on hold at 4.35%. This is doubly good news as the next RBA meeting will not be until February so we can all breathe easy for the 2 months through the summer break 🏡👏.

... This is our promise to you 🤝🏼

Contact us today 📩📞

We know how hard it can be to get into the zone to change lifestyle habits so that you can save to buy your dream home. Let us help you to get onto the right path. We’ll sit with you to identify the pain points 🥹 as well as the easy wins 😊 We don’t want you to stop enjoying life so will balance living life with achieving goals 🏡.

Give us a call 📞 and start your lifestyle journey today!

So….why use a broker? Why use me?

My objective is to build long lasting relationships with my clients. Anyone who knows me knows that this has always been my way. I want the best for you. I want to help build your financial security, get you into your first home, buy your next investment, build for your future.

Book in today 📞 🏡

Inflation!

The RBA is targeting reducing inflation to between 2-3%. From a high of 7.8% in December 2022 it is now down to 5.4% so the trend is heading in the right direction but there was a slight uptick in September so they want to make sure the trend doesn’t start heading upward again.

What’s our tip for you? Hang in there & call us if you would like to discuss your home loan 🏡

Let us know what you think in the comments below 📩

While we have no real control over the future, it is possible to take a few positive steps to make changes that impact and improve your future.

At Clear Options Finance we'll help you secure finances to build your asset base.

🏡

It's SIMPLE 🏡 Pick up the phone or email Mary for a quick chat.

At the event on Friday I engaged with many woman who all had the same concerns..."How do I get started" "I have no idea what to ask" "I know what I want to achieve but i'm unsure if it's possible".

YOU tell Mary what your goals are and she'll walk you through what you can do & how to achieve them.

📞 0478 732 343
📩 [email protected]

How good was the inaugural women’s lunch at the very tasty . Thanks to for the vision & organising.

So many inspiring speakers! Tanika your words and connection to Worimi Land had the whole space engaged. I am grateful for meeting you. You set the tone of empowerment for the day.

The wonderful guest speakers , , & all talked about building their businesses, life & finances, self improvement & how to grow beyond expectations. The whole room soaked up all of your knowledge and wisdom. What a lovely bunch of women!

Another highlight was introducing us to .au to help us all stay energised and giving us access to a platform for a better mindset and lifestyle.

And the big plus . . . . nearly 100 absolutely awesome local business women in the same room together supporting each other & networking the living daylights out of Forster . . . what a vibe!! Feeling the love & the energy! Looking forward to supporting you all where I can & throwing some energy right back into the grid.

Thanks again for having me ❤️

Ciao
MG.

We love receiving feedback from our clients. Book in a chat with Mary 🏡 The link is in our bio!

Our holistic approach to finance puts YOU at the centre.

Given that interest rates have likely peaked, we thought to share our view of what is going to happen over the next 12-18 months . . . with the usual caveat; we don’t have a crystal ball, these are based on research & experience.

The main reason that interest rates have increased so much is to reverse what looks like out-of-control inflation. History shows that inflation typically skyrockets as we come out of any crisis (ie post war) so it was not unexpected that after prolonged lockdowns we came bolting out of the pandemic spending with the enthusiasm of a perpetual Christmas season. However, it wasn’t just consumer spending. When demand exceeds supply to such a great extent, high inflation of prices is the outcome. This is now normalising with inflation rates coming down now & on target to be back in the 2-3% band as we enter 2024.

Interest rates will probably continue to sit at the current levels throughout 2023 & likely through the first few months of 2024 before coming off by 0.50% to 1% by the end of 2024. Why?

1. The RBA will want to keep a lid on property prices. 7% annual growth is not sustainable. That average has come down over the past decade & probably needs to sit closer to 5% than 7% going forward.
2. Whilst full employment sounds like a great idea, it can stunt productivity.
3. With Australian job vacancies sitting above 40,000 we need immigration to fill these roles. With increased immigration, comes increased demand & consumption. This fuels more economic growth where we need more houses, furnishings, cars, schools, hospitals etc for the increasing population. But we don’t have the workers to fulfil all these demands, especially tradies to build new housing. Back to demand is greater than supply . . . it’s a balancing act.

Higher interest rates, therefore higher mortgage payments & less money to spend on other stuff is obviously going to impact both people and businesses.

If you don’t already do it, start looking at your cashflow projections. Talk to us soon about strategies to get through the next 12 months.

Given that interest rates have likely peaked, we thought we might share our view of what is going to happen over the next 12-18 months . . . with the usual caveat; no one has a crystal ball, these are simply based on research & experience.

The main reason that interest rates have increased so much is to reverse what looks like out-of-control inflation. History shows that inflation typically skyrockets as we come out of any crisis. So it was not unexpected that after prolonged lockdowns we came bolting out of the pandemic spending with the enthusiasm of a perpetual Christmas season. However, it wasn’t just consumer spending. When demand exceeds supply to such a great extent, high inflation of prices is the outcome. This is now normalising with inflation rates coming down now & on target to be back in the 2-3% band as we enter 2024.

Interest rates will probably continue to sit at the current levels throughout 2023 & likely through the first few months of 2024 before coming off by 0.50% to 1% by the end of 2024.

1. The RBA will want to keep a lid on property prices. 7% annual growth is not sustainable. That average has come down over the past decade & probably needs to sit closer to 5% than 7% going forward.
2. Whilst full employment (that’s unemployment generally below 5% . . . it’s currently 3.5%) sounds like a great idea, it can stunt productivity.
3. With Australian job vacancies sitting above 40,000 we need to import people to fill these roles. With increased immigration, comes increased demand & consumption. But we don’t have the workers to fulfil all these demands, especially tradies to build new housing. Back to demand is greater than supply . . . it’s a balancing act.

Higher interest rates, therefore higher mortgage payments & less money to spend on other stuff is obviously going to impact people & businesses.

If you don’t already do it, start looking at your cashflow projections. Talk to us soon about strategies to get through the next 12 months! Our contact info on our page & linked in our bio!

Good news for mortgage borrowers. The RBA continues to keep the cash rate on hold for the 3rd consecutive month! 🎉

With inflation coming off & on target to be in the 2-3% range as we enter 2024 it is likely that we have now hit the peak with interest rates. I would expect them to stay where they are through 2023 & then easing in mid 2024. 🤞🏼

From the bottom of our hearts, thank you! Here’s to growth, new beginnings and a prosperous future! 🤍💙🧡

Embracing uncertainty with a positive outlook! 🌟

The RBA has hit the pause button on cash rate hikes stating that “the higher interest rates are working to establish a more sustainable balance between supply and demand in the economy and will continue to do so.”

Here’s to staying resilient, adapting to change and remaining optimistic! 🙌💫

After having many conversations this week about HEM and what it means we thought we would do a post about it!

The Household Expenditure Measure is a standard benchmark that banks use to estimate people’s annual living expenses when considering home loan applications and borrowing capacity.

Some common living expenses you may need to provide an estimate of in a home loan application include:

- Children & pets
- Clothing & personal care
- Communication
- Education
- Entertainment
- Groceries
- Health and fitness
- Medical
- Transport
- Utilities

Why do lenders require this info? It comes as part of responsible lending regulations to consider a borrowers living expenses in order to provide a fuller picture of their financial situation and whether they’ll be able to repay the loan!

Just another post on your feed about the cash rate (and it’s a long one) but we hope we can shed light on the landscape even if it helps just one of you!

It’s a very complex scenario with a multitude of opinions - we’ve barely scratched the surface here.

We could talk about it forever and would love to hear your opinion!

How can we help you manage your loan as we get through this challenging time?