Illawarra Mortgage Brokers

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Should I fix my home loan??? July 2022 - Wollongong Home Loans by Illawarra Mortgage Brokers Should I fix my home loan rate or is it too late? – This question at the time of writing, (July 2022) is on the minds of all borrowers, and it is also the most difficult one to answer for many reasons.

Q: Why is using a Mortgage Broker a better option for me than just using a bank?

A: The obvious answer is that your Mortgage Broker has access to hundreds of loans. A single lender or bank is only able to discuss their own loans and products, which makes it hard for them to compete with a Mortgage Broker. They are not authorised to discuss or even compare other lenders products and that is a fact.

They may have a competitive loan, but is it the MOST competitive? If it is, how would they know? Unless they can learn about other lenders products and compare the differences then they can’t know. Only your Mortgage Broker can advise on different lenders. It is what we do. Learn more here: https://www.illawarramortgage.com.au/about-us/about-illawarra-mortgage-brokers/mortgage-broker-vs-bank/

From the Illawarra Mortgage Brokers family to yours, sending wishes of warmth, joy and peace this festive season.
Thank you for your support through this difficult year.

NSW abolishes stamp duty for homes under $800,000 for first home buyers effective 1st August 2020 for 1 year. Great move!!
The NSW state government has abolished stamp duty for new homes under $800,000, in a bid to support first home buyers and the construction industry.
There will also be concessions available for new homes under $1 million in value (up from the previous limit of $800,00). Previously, stamp duty applied to homes worth more than $650,000.
As well as increasing the stamp duty threshold for newly built homes, the government will also raise the threshold for stamp duty on vacant land. This will rise from $350,000 to $400,000 and will phase out at $500,000.

A little milestone for our company in 2019 picking up Mortgage Broker of the Year for NSW trophy. We had some serious competition for this award and we are quite chuffed that we managed to secure this for the Illawarra region. A big thank you to all of our clients for their support. That’s what got us there.

Some trying times coming up for some of our clients with the Covid-19 virus. Just a message to ask you to reach out to us if you are concerned in any way about your employment and ability to maintain home loan payments. We have a broad range of solutions that may assist. You should all have my number so please feel free to call if you have any concerns. Easier than being on hold for an hour with those pesky banks 🙂 Stay safe everyone.

Happy 2018 everyone. What do you think is the biggest hurdle for first home buyers in 2018? Deposit? Location? Income? starting a family? New lending rules? Something else? We want to know what you think is stopping you and maybe you will be surprised at some of the options available that will assist you to buy a home.

We hope that all of our past, present and future clients have enjoyed a safe and happy Christmas and New Year break. We're looking forwarding to helping you realise your dreams in 2018. This is your year!

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Should you help your child buy a house? Yes - Illawarra Mortgage Brokers Due to the huge amount of negative misinformation regarding guarantor home loans, I felt compelled to write this little article. You can find a long winded version here. These types of loans may not be as risky as you think – and the child might move out of your home sooner As a mortgage broker, … C…

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