Nectar Mortgages: Craig Prenter

𝐋𝐞𝐬𝐭 𝐰𝐞 𝐟𝐨𝐫𝐠𝐞𝐭🫶
Today marks the anniversary of the Australian and New Zealand forces (ANZACs) landing on Gallipoli in 1915 during WW1. We commemorate and remember the sacrifices of all Australians and New Zealanders during service🙏

𝐑𝐞𝐚𝐬𝐨𝐧𝐬 𝐭𝐨 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞:
Refinancing can help property investors customise their loans to suit their financial needs💵
This includes adding➕or removing✂️certain features like a redraw facility, an offset account or an interest-only feature.
𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡📱💬 and let’s discuss whether refinancing is right for you.

🏠💵 𝐂𝐮𝐫𝐢𝐨𝐮𝐬 𝐚𝐛𝐨𝐮𝐭 𝐡𝐨𝐰 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭 𝐥𝐨𝐚𝐧 𝐟𝐞𝐚𝐭𝐮𝐫𝐞𝐬 𝐜𝐚𝐧 𝐢𝐦𝐩𝐚𝐜𝐭 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐣𝐨𝐮𝐫𝐧𝐞𝐲? Understanding these features is key to making informed financial decisions! 💡 Some 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.

Don't wait until your fixed rate expires before talking to us🫣. Get in touch at least 2- 3 months before 🗓️. This usually provides enough time⏰to look at other options and refinance to a new lender if necessary! Don't delay, contact us today📲

One of the most important skills property investors need is the ability to budget💵📝
A budget can help investors find ways to adjust spending and save for a deposit 🏦 It's also a valuable tool for managing income against mortgage repayments and other expenses as a landlord.
To crunch your numbers, check out our handy calculator👇
https://www.nectarmortgages.com.au/budget-calculator/

Don't let a home loan deposit intimidate you😨
You could buy your first home with a low deposit⬇️💵 and avoid the cost of Lenders Mortgage Insurance with a Family Guarantee👵💪
Find everything you need to know here👇

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.

𝐁𝐮𝐲𝐢𝐧𝐠 𝐚𝐧 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲: 𝐒𝐞𝐭 𝐚 𝐠𝐨𝐚𝐥
The best form of motivation for buying an investment property is setting a goal 🥅 It gives you something to focus on and work toward💪

Clearing your debts, building your equity, finding the right property and figuring out the right loan repayment strategy are some steps you can take to achieve your financial goals.

Get in touch📱💬 and let’s discuss which loan structures and strategies could help you achieve your goals sooner.

🌟Wishing joy to all those celebrating Eid🌟

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐨𝐟 𝐛𝐮𝐲𝐢𝐧𝐠 𝐚 𝐧𝐞𝐰 𝐡𝐨𝐦𝐞🆕🏡?
Before you do, you should take a look at this blog👇 You'll thank us later.

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.

We're excited to announce that Nectar Group walked away with a multitude of awards at this year's Bankwest Broker of the Year awards! 🏆
A special shout out to our NSW/ACT team for clinching the prestigious 'Office of the Year – 25+ Brokers' award. This resounding victory is a testament to our commitment to excellence, spanning from deal submission to customer experience. Superb result!

𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐢𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬: 𝐔𝐬𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐞𝐪𝐮𝐢𝐭𝐲
If you already own a home🏡you could use your equity as a deposit for a new investment property. You could then rent out this property to help pay off your mortgage and generate a passive income👍
Get in touch📱💬 to discuss how you can access your equity.

Should you reprice and stay with your lender? Or refinance and change lenders 🤔?
Click below to read more about the advantages of repricing your loan👇so you can make an informed decision.

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.

𝐇𝐚𝐩𝐩𝐲 𝐄𝐚𝐬𝐭𝐞𝐫!🐰
May your day be filled with chocolatey goodness, love and laughter!

Happy Easter Holidays from Nectar 🐰🥚
We hope you have a relaxing long weekend.

You've found your dream home😍, but you still need to sell your current home before you can purchase it - what do you do?🤔 Talk to us about a bridging loan! Its purpose is to fund the purchase of a second property, giving you more time to sell your present one. Want to learn more? Talk to us today📲 or see below for more information👇

What are bridging loans? - Nectar Mortgages Bridging loans are made for people who are buying their next property while still trying to sell their current home.

Have you considered refinancing your home loan? 🤔 It's easier than you think! 👌 If you're feeling the pinch of high repayments or suspect you're overpaying🕵️‍♂️, you could be ready for a change. At Nectar, we'll negotiate with lenders on your behalf and handle all the paperwork🗒️. Don't delay, call us today 📲

Talk to us about vehicle and equipment finance!🚜🚗 You may be able to achieve your goals faster than you think!

𝐈𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐢𝐧 𝐚 𝐬𝐦𝐚𝐥𝐥 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐚𝐧𝐝 𝐧𝐞𝐞𝐝 𝐚 𝐥𝐨𝐚𝐧?
At Nectar we can help find a loan that suits your situation. We'll negotiate with lenders on your behalf, help manage the paperwork and get you into your new business in no time! 𝐒𝐭𝐞𝐩 𝟏: Call us today and let's discuss your plans!

𝐂𝐚𝐬𝐡 𝐫𝐚𝐭𝐞 𝐮𝐩𝐝𝐚𝐭𝐞 𝐌𝐚𝐫𝐜𝐡 𝟐𝟎𝟐𝟒:
The Reserve Bank’s decision is in! As predicted by the major banks, the official cash rate remains steady at 4.35% following the second monetary policy meeting of 2024. 💼 This fourth consecutive hold, plus with inflation continuing to moderate, potentially signals we’ve reached the peak for rate hikes. Could this pave the way for a decrease in interest rates later this year? The buzz suggests so! 🐝 But, as always, it’s essential to stay vigilant and closely monitor developments. 🔍 In the meantime, if your fixed interest rate is due to expire don’t hesitate to reach out! Let’s discuss your options and ensure you’re making the best decisions for your financial future.

We’ve got the mortgage process down to a science 🧑‍🔬🧪
Get in touch📱💬 and let’s discuss how we can help you with your loan application📝🏠

So, you’ve decided you want to buy your own home🏠 Congratulations👏
However, you now need to focus on the most significant step🪜Gathering your deposit💵
Check out these top tips for saving funds and what you can use as a deposit for your loan👇

How to get your Home Loan deposit together Getting your deposit for a home loan takes time and effort. Here we discuss strategies to increase your deposit and where to pull funds from.

🏠 𝐋𝐨𝐨𝐤𝐢𝐧𝐠 𝐭𝐨 𝐁𝐮𝐢𝐥𝐝?🏠
If you're considering building 🛠️ instead of buying an established property, a construction loan could be a great option. This type of loan has two key 🗝️ features:
𝟏) You draw down borrowed funds in stages, depending on construction progress.
𝟐) You only pay interest on the funds drawn down, making it a flexible financing option.
Curious to learn more? Give us a call now 📲, and let's explore this type of loan together!

𝐋𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐧𝐞𝐰 𝐜𝐚𝐫? 🚗
With a multitude of vehicle finance options out there, it's easy to feel overwhelmed. Let us help!👍 Sit back, relax🏖️, and let our team handle the research, negotiations, and help find you a good deal on a new car loan. Your dream car could be closer than you think! ✨ Let's chat!

𝐒𝐞𝐚𝐫𝐜𝐡𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚𝐧 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲?🏘️
Navigating the world of investment loans can be complex with many factors to consider🤔. Let us simplify the process for you. Our team can guide you through the ins and outs of investment loans, ensuring you find one tailored to your needs. Reach out to us today📲 and let's discuss your options!

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐢𝐧𝐜𝐫𝐞𝐚𝐬𝐞 𝐲𝐨𝐮𝐫 𝐛𝐨𝐫𝐫𝐨𝐰𝐢𝐧𝐠 𝐩𝐨𝐰𝐞𝐫?🏡🏘️
Before you apply for a loan, it’s a good idea to get your financials in order🧹. By improving spending habits🛍️, increasing your income💸, and making a few tweaks to your outgoings👍, you could significantly improve your borrowing power and therefore have more to spend on a property or other assets🥳. For more information, give us a call📲 or read on for some handy tips!

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.

💕💘 Whether you're celebrating with someone special or enjoying your own fabulous company, Valentine's Day is about celebrating love in all its forms!
From our hearts to yours - Happy Valentine's Day! 💖✨

𝐈𝐬 𝐲𝐨𝐮𝐫 𝐜𝐡𝐢𝐥𝐝 𝐥𝐨𝐨𝐤𝐢𝐧𝐠 𝐭𝐨 𝐛𝐮𝐲 𝐭𝐡𝐞𝐢𝐫 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞?🏡 To ensure the process runs as smoothly as possible, send them our way. We can help them understand their eligibility under the First Home Guarantee (FHBG) as well as discuss other schemes and finance options. Plus, we'll help with the paperwork🗒️ and negotiate with lenders on their behalf. Let's get your offspring on the property ladder 🪜ASAP. Call us today📲.

𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐚 𝐫𝐞𝐧𝐨, 𝐛𝐮𝐭 𝐝𝐨𝐧'𝐭 𝐤𝐧𝐨𝐰 𝐡𝐨𝐰 𝐭𝐨 𝐟𝐮𝐧𝐝 𝐢𝐭?😕
There are a number of choices available for financing a renovation🛠️. These include using equity in your property, redrawing funds💸, refinancing your home loan, taking out a personal loan or taking out a construction loan. If you would like these options explained, and need help arranging the finance - talk to us📲, we're here to make things easy!

𝐇𝐚𝐯𝐢𝐧𝐠 𝐭𝐫𝐨𝐮𝐛𝐥𝐞 𝐦𝐚𝐧𝐚𝐠𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬?
Don't worry, you're not alone!🤗 There are options to explore🕵️. If your lender isn't flexible with your interest rate, reach out to us. We can explore refinancing your loan with a different lender, handling negotiations, and helping you assess the benefits and drawbacks of switching. Let's chat and see if we can lighten your load together📲

𝐂𝐚𝐬𝐡 𝐫𝐚𝐭𝐞 𝐮𝐩𝐝𝐚𝐭𝐞 𝐅𝐞𝐛𝐫𝐮𝐚𝐫𝐲 𝟐𝟎𝟐𝟒:
At this year’s first monetary policy meeting, the Reserve Bank announced today it is holding the official cash rate at 4.35%. Relief😅 for homeowners who experienced multiple rate hikes last year, with the most recent in November - a 12-year high😯 With inflation showing signs of slowing down🐌, there is speculation among major banks that interest rates may have peaked, potentially leading to a decrease later this year. Watch this space! If you’re nearing the end of your fixed-rate term, call us now📲 to discuss your options.