Nectar Mortgages: Helen Cloke

𝐅𝐨𝐮𝐧𝐝 𝐚 𝐧𝐞𝐰 𝐬𝐞𝐭 𝐨𝐟 𝐰𝐡𝐞𝐞𝐥𝐬 𝐛𝐮𝐭 𝐧𝐞𝐞𝐝 𝐟𝐢𝐧𝐚𝐧𝐜𝐞? 🏎️🛻💵
Don't settle for any old vehicle loan 🚫; talk to us first! We're experts in vehicle finance 🚗 and can negotiate with some of our 50+ lenders to try and help you find the right loan. Let's get you moving!👍

𝐖𝐡𝐚𝐭'𝐬 𝐲𝐨𝐮𝐫 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞? 🥅
When applying for a loan, one of the first things many lenders check is your credit score, also known as your credit rating. 📊 Think of it as your financial reputation in a number! The higher your score, 📈 the better your chances of getting that loan approved. 🎉
Want to know more? Read on 👇 or reach out if you need help understanding your credit score or are ready to apply for a home loan. 🏡

What is a credit score and why is it important for your home loan? When you apply for a loan, one of the first things a lender looks at is your credit score. But what is a credit score?

𝐈𝐟 𝐣𝐮𝐠𝐠𝐥𝐢𝐧𝐠🤹𝐦𝐮𝐥𝐭𝐢𝐩𝐥𝐞 𝐝𝐞𝐛𝐭 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐢𝐬 𝐜𝐚𝐮𝐬𝐢𝐧𝐠 𝐲𝐨𝐮 𝐬𝐭𝐫𝐞𝐬𝐬😥, 𝐰𝐡𝐲 𝐧𝐨𝐭 𝐬𝐰𝐞𝐞𝐩 𝐭𝐡𝐞𝐦 𝐢𝐧𝐭𝐨 𝐨𝐧𝐞 𝐭𝐢𝐝𝐲 𝐩𝐚𝐲𝐦𝐞𝐧𝐭? Consolidating debts can result in one due date and potentially reduce fees and interest. 📉 Remember that while debt consolidation can simplify things, it may increase your long-term costs. Still, it’s a solid option💪 for easing financial pressure. Curious?🔎 Give me a call📲 and let's explore your options.

𝐇𝐨𝐰 𝐭𝐨 𝐚𝐯𝐨𝐢𝐝 𝐩𝐚𝐲𝐢𝐧𝐠 𝐋𝐞𝐧𝐝𝐞𝐫𝐬 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 (𝐋𝐌𝐈)
In today's economic environment, nobody needs extra charges on their already high mortgage repayments. Lenders Mortgage Insurance (LMI) is one cost💵 you could avoid, but you must know how.
Lenders take out LMI to cover themselves in case you (the borrower) can't make your repayments, and they need to recover the outstanding balance.

Two critical points about LMI:
▶️The premium fees for LMI are passed on to the borrower☹️
▶️They are designed to protect the lender, not the borrower😥

We could help you avoid LMI on the property you want to purchase👍 Don't delay, call us today📲

𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐬𝐨𝐦𝐞 𝐃𝐈𝐘 𝐭𝐡𝐢𝐬 𝐰𝐞𝐞𝐤𝐞𝐧𝐝?
We have some fantastic home improvement hacks🔨 designed to help add value to your home while saving you time and money💵 We've got your back with project planning tips, savvy material-saving ideas, focus zones, and areas to steer clear of😟! Don't delay, read on👇 and have a fantastic and productive weekend🛠️🏠

Cost-saving tips to renovate on a budget Renovating your home is not a cheap endeavour, but these cost-saving tips could help you achieve great results without breaking the bank!

𝐂𝐚𝐥𝐜𝐮𝐥𝐚𝐭𝐞 𝐲𝐨𝐮𝐫 𝐞𝐪𝐮𝐢𝐭𝐲! 📲
A huge benefit of owning a home🏠 is increasing the equity in your property every time you make a mortgage payment😀Over time, the equity you build can create opportunities to grow your wealth👍
Discover how much equity you have💵 with our handy 𝐞𝐪𝐮𝐢𝐭𝐲 𝐜𝐚𝐥𝐜𝐮𝐥𝐚𝐭𝐨𝐫👇

Equity calculator - Nectar Mortgages Our home equity calculator estimates how much equity you could use as a deposit towards your next house purchase or investment property.

𝐀𝐭𝐭𝐞𝐧𝐭𝐢𝐨𝐧 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐞𝐫𝐬!🏠
Are you aware of all the incentives available to help you into your first home?
Here’s a list 📝 of Government Schemes and Incentives currently available to first-home buyers:
𝐍𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐈𝐧𝐢𝐭𝐢𝐚𝐭𝐢𝐯𝐞𝐬:
• First Home Guarantee
• First Home Super Saver Scheme
• Family Home Guarantee
• Regional First Home Buyer Support Scheme
• Help to Buy Scheme
𝐒𝐭𝐚𝐭𝐞-𝐒𝐩𝐞𝐜𝐢𝐟𝐢𝐜 𝐆𝐫𝐚𝐧𝐭𝐬 𝐚𝐧𝐝 𝐒𝐜𝐡𝐞𝐦𝐞𝐬:
• The First Home Owner Grant (FHOG) – varies by state
• One-off transfer duty (stamp duty) concessions
Please contact me📲 to discuss your options and determine your eligibility. Or for more information, read on👇

First home buyers loan - Nectar Mortgages We help you apply for First Home Buyer Grants, the First Home Loan Deposit Scheme & First Home Buyer Assistance Scheme.

𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐭𝐢𝐦𝐞!
If you're upgrading or expanding your vehicle fleet🚛, renovating your premises🏬, or buying new tools for your trade⚒️, then speak with us📲, and we'll help get the right loan for your business👌.

Everyone has an opinion on the "best suburbs" to buy in, but nothing beats doing your own homework.
To truly understand what a suburb has to offer, it’s worth taking the time to explore the area yourself. Check out these hot tips👇 to help you decide if a suburb is right for your investment.

Before you buy: How to research a new suburb - Nectar Mortgages Buying in a new area is about more than price. Amenities, future developments and transport options are also important considerations.

𝐈𝐧 𝐭𝐡𝐞 𝐜𝐮𝐫𝐫𝐞𝐧𝐭 𝐦𝐚𝐫𝐤𝐞𝐭, 𝐬𝐚𝐯𝐢𝐧𝐠 𝐦𝐨𝐧𝐞𝐲 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐜𝐚𝐧 𝐠𝐨 𝐚 𝐥𝐨𝐧𝐠 𝐰𝐚𝐲🛣️
When it comes to your home loan, 💵🏡 𝐫𝐞𝐩𝐫𝐢𝐜𝐢𝐧𝐠 𝐨𝐫 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 are options worth considering to try and secure a better rate and save money. 𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡 📱💬 for a complimentary, no-obligation loan review, and let’s see if repricing or refinancing is right for you. For more information, see below 👇

Repricing vs refinancing your mortgage Have a variable or split loan? Repricing is an easy process that could help put more money back in your pocket.

Have you found your dream home😍 but still need to sell your current house?😟 A bridging loan may be just what you need. A bridging loan🌉is a special 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭-𝐨𝐧𝐥𝐲 𝐬𝐡𝐨𝐫𝐭-𝐭𝐞𝐫𝐦 𝐥𝐨𝐚𝐧 designed precisely for this situation.
Want to know if bridging finance is right for you? Speak with us today📲

Thanks to the government’s new tax cuts✂️ introduced on 1 July 2024, you may have noticed some extra dollars💵 in your bank account. Have you spent your tax cut wisely?🤔 Check out some clever tips to make that money go further! You're welcome😊

How To Create Wealth With Your Tax Cut - Nectar Mortgages Tax cuts are an opportunity to create wealth. Here we offer some tips on how to maximise your tax cut, rather than wasting it.

𝐍𝐞𝐞𝐝 𝐚 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐡𝐨𝐥𝐢𝐝𝐚𝐲?
Usually considered a last resort - the repayment holiday🌴 is an option if you are experiencing extreme financial difficulty😟 The repayment holiday is not an option to be used lightly, but may be worth discussing with us if you find yourself in a challenging situation📲

𝐃𝐨𝐧’𝐭 𝐦𝐢𝐬𝐬 𝐲𝐨𝐮𝐫 𝐚𝐧𝐧𝐮𝐚𝐥 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐫𝐞𝐯𝐢𝐞𝐰!
Whether you have a fixed or variable-rate loan, an annual review📝 is an important time to assess your current financial situation💸 and plan for the future. As life changes, it’s important that your mortgage continues to meet your needs. During your review, we’ll examine your loan structure and explore adjustments that could better suit your situation😀 . Let’s chat📲 and see what’s possible for your future!

Purchasing your first home in today's property market can be challenging 😒
Thankfully, you could try buying your first home sooner 𝐯𝐢𝐚 𝐚 𝐟𝐚𝐦𝐢𝐥𝐲 𝐠𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞 𝐥𝐨𝐚𝐧 👨‍👩‍👧‍👦
Simply put, a family guarantee lets a family member, usually a parent, ‘guarantee’ your mortgage when you can’t supply a large enough deposit💵 The family guarantee also eliminates the need to pay Lenders Mortgage Insurance (LMI) which could save you dollars 💰 To discover how a family guarantee works, read on👇

Avoid LMI with a family guarantee - Nectar Mortgages Find out how a family guarantee can help first home buyers step on the property ladder sooner and avoid paying LMI.

𝐅𝐞𝐞𝐥𝐢𝐧𝐠 𝐭𝐡𝐞 𝐩𝐢𝐧𝐜𝐡? 𝐖𝐞’𝐫𝐞 𝐡𝐞𝐫𝐞 𝐭𝐨 𝐡𝐞𝐥𝐩!
After yesterday’s OCR announcement, mortgage holders may be feeling a bit dismayed. The RBA has decided to hold the official cash rate at 4.35% and RBA Governor Michele Bullock also dashed hopes of a rate cut in 2024, stating, “A rate cut is not on the agenda in the near term.”
Struggling with repayments?☹️ Let’s talk! We can explore loan modification options with lenders and negotiate on your behalf to try and get you a lower interest rate. Together, we'll get through this!

𝐂𝐚𝐬𝐡 𝐑𝐚𝐭𝐞 𝐔𝐩𝐝𝐚𝐭𝐞 – 𝐀𝐮𝐠𝐮𝐬𝐭 𝟐𝟎𝟐𝟒
The Reserve Bank has announced today that the official cash rate (OCR) will remain at 4.35%. This cautious stance is due to inflation remaining above the desired target of 2-3%.

Predictions for when we might see rate cuts vary, with some experts suggesting November 2024 and others pointing to early to mid-2025. Stay tuned for updates!

If you’re a mortgage holder feeling the pressure, reach out to us. We have the expertise and resources to help you navigate these challenging times.

💼✨

𝐈𝐧𝐜𝐞𝐧𝐭𝐢𝐯𝐞𝐬 𝐅𝐨𝐫 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐞𝐫𝐬!👋
Are you or someone you know looking to buy a first home? 🏡 At Nectar Mortgages, we specialise in navigating the various schemes and incentives available to first-time buyers. Before you start your search, talk to us📲 We'll explain all your options and help you discover what you're eligible for😃 . Let’s make your home-buying journey a breeze!🍃

𝐂𝐫𝐮𝐧𝐜𝐡 𝐭𝐡𝐞 𝐧𝐮𝐦𝐛𝐞𝐫𝐬!
Using our handy calculator, find out how much you could borrow💸, what repayments you could afford🤔, and what tax you’d pay on a purchase. If you're looking for a loan or to refinance your current loan, get in touch📲 , and let's see what options are available and best suited to your situation.

Mortgage Repayment Calculator - Find out how much you could borrow Crunch the numbers on our mortgage repayment calculator, see how much you could borrow and what stamp duty you'd pay, calculate your home equity and more.

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐢𝐦𝐩𝐫𝐨𝐯𝐞 𝐲𝐨𝐮𝐫 𝐛𝐨𝐫𝐫𝐨𝐰𝐢𝐧𝐠 𝐩𝐨𝐰𝐞𝐫?💪
If you're considering a home loan🏡 - whether it's a first home, an upgrade or an investment property, it pays to be prepared and get your finances in order 📑
Check out Nectar's 𝟏𝟎 𝐡𝐚𝐧𝐝𝐲 𝐭𝐢𝐩𝐬 to boost 🚀 your borrowing capacity!

Ways to improve borrowing power We have 10 useful tips to improve your borrowing capacity and help you get on the property ladder or into a new home sooner.

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐚𝐬𝐬𝐞𝐭 𝐟𝐢𝐧𝐚𝐧𝐜𝐞?
Asset finance allows businesses to access new or used vehicles🚛 and equipment🚜 💻 without paying a large sum upfront.
Spreading payments over time helps manage cash flow💸 , and you can typically use the item while you pay it off👌.
For businesses looking to grow 🌱, asset finance is a popular choice.
Want to discuss a large purchase? Talk to me today 📲 and let's explore your options.

𝐀𝐬 𝐲𝐨𝐮 𝐬𝐞𝐭 𝐮𝐩 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧🏠💵 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫 𝐰𝐡𝐚𝐭 𝐥𝐨𝐚𝐧 𝐟𝐞𝐚𝐭𝐮𝐫𝐞𝐬 𝐚𝐫𝐞 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐭𝐨 𝐲𝐨𝐮.
Knowing how each loan feature works will help you understand which are appropriate for your financial situation and lifestyle. Some can help you pay off your loan faster, while others allow you to access additional funds.
Read our blog to find out more about loan features and how they work👇

Home loan features explained Lenders offer features, like extra repayments, to provide flexibility to their loan products. Find out which features work best for you.

𝐇𝐚𝐯𝐞 𝐲𝐨𝐮 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐞𝐝 𝐚𝐧 𝐨𝐟𝐟𝐬𝐞𝐭 𝐚𝐜𝐜𝐨𝐮𝐧𝐭?
An offset account is an account linked to your home loan that operates like a transaction or savings account. It offsets the balance in that account against the balance of your home loan, so you'll only be charged interest on the difference.
𝐄𝐱𝐚𝐦𝐩𝐥𝐞: If you have a $500,000 home loan and $50,000 in your offset account, your lender will usually charge you interest on the loan balance of $450,000 ($500,000 - $50,000).
Like everything, there are pros and cons. Talk to us and let's see if an offset account is right for you📱💬

𝐋𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐧𝐞𝐰 𝐬𝐞𝐭 𝐨𝐟 𝐰𝐡𝐞𝐞𝐥𝐬 𝐨𝐯𝐞𝐫 𝐭𝐡𝐞 𝐰𝐞𝐞𝐤𝐞𝐧𝐝?🚘
Talk to us before you seal the deal. We have access to over 50 lenders and may be able to find you a competitive rate on finance. Happy Friday!😀

𝐓𝐨𝐩 𝐓𝐢𝐩𝐬 𝐭𝐨 𝐒𝐚𝐯𝐞 𝐖𝐡𝐢𝐥𝐞 𝐑𝐞𝐧𝐨𝐯𝐚𝐭𝐢𝐧𝐠! 🛠️
Renovating can boost your home's value 🏠, but budget overruns can be a nightmare 😧. Check out our tips for budget-friendly renovations 🗒️. Need a renovation loan? Contact us 📲 and let’s see what options are available for you.

Cost-saving tips to renovate on a budget Renovating your home is not a cheap endeavour, but these cost-saving tips could help you achieve great results without breaking the bank!

𝐄𝐪𝐮𝐢𝐭𝐲 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐢𝐞𝐬
Every time you make a mortgage payment💵 you increase your property's equity, opening up a world of opportunities to increase your wealth.
A few ways to use equity: Renovate🛠️refinance💰consolidate debt💵 or invest🏘️
Contact us to discuss how your equity may work for you💬

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐨𝐰𝐧 𝐚 𝐡𝐨𝐦𝐞 𝐛𝐮𝐭 𝐜𝐚𝐧’𝐭 𝐚𝐟𝐟𝐨𝐫𝐝 𝐲𝐨𝐮𝐫 𝐝𝐫𝐞𝐚𝐦 𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧? 𝐑𝐞𝐧𝐭𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐦𝐢𝐠𝐡𝐭 𝐛𝐞 𝐭𝐡𝐞 𝐚𝐧𝐬𝐰𝐞𝐫! 🏡
Rentvesting is a strategy where you rent in a lifestyle-friendly area while owning an investment property within your budget. Curious to know more? Give me a call📲 and let's see if rentvesting is the right fit for you or someone you know.

Want to build your dream home? 🛠️🏘️ If so, a 𝐜𝐨𝐧𝐬𝐭𝐫𝐮𝐜𝐭𝐢𝐨𝐧 𝐥𝐨𝐚𝐧 could be a great option providing two key benefits a standard home loan doesn't:

1. You draw down borrowed funds in stages
2. You only pay interest based on the money that is drawn down at the time🕰️
Read on to find out more👇or call me to discuss your options📲

What are construction loans? A construction loan is a type of home loan made for people who plan to build their homes instead of purchasing an established property.

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠?🤔 It's a smart way to save money, but finding the right deal can be tricky. Sometimes, the best-looking offers might not align with your financial goals. Before you make a move, let's chat! 📲 I can help you compare rates and offers from multiple lenders to find a suitable refinancing solution for your long-term goals🥅

𝐁𝐮𝐲𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞? 🏡
It’s an exciting yet daunting journey, but Nectar Mortgages is here to help! 🤗
𝐇𝐨𝐰 𝐈 𝐜𝐚𝐧 𝐚𝐬𝐬𝐢𝐬𝐭:
➡️ Help get your finances in order
➡️ Determine your eligibility for the First Home Guarantee
➡️ Find a home loan tailored to your needs
➡️ Assist with the application and documentation
➡️ Provide ongoing support long after loan approval!
Call me today 📲 Helping first home buyers climb the property ladder is my passion!