Cortney Nikolic at Loan Market

Many people view lenders mortgage insurance (LMI) as something to avoid. The reality is, in some cases, paying LMI could help you get into the market sooner without saving a 20% deposit, which could end up saving you in the long run.

We can take a look at your situation to see if this strategy could be right for you, and help you achieve your homeownership goals sooner.

You know that feeling when you're cruising down the highway, belting out your favourite song? Imagine that feeling in your new car.

As your broker, we can help you secure the right finance to turn your car dreams into reality.

Happy Father's Day to my favourites!

This Father’s Day, we’d like to take the time to thank all dads, grandfathers, uncles and father figures out there.

Thanks Dad and Happy Father’s Day to all caregivers.

If you ask aspiring first-home buyers what is stopping them from beginning the process of purchasing their first home, many of them are likely to remark about how difficult it can be to save a 20% deposit. Many will also be wanting to avoid having to pay lenders mortgage insurance. But did you know there could be ways around it? In fact, there are a number of government schemes available to help first-home buyers purchase a home without having a 20% deposit or pay lenders mortgage insurance.

As your broker, we can take you through any government schemes that you may be eligible for to help you get into your first home sooner.

We love receiving your feedback! Thanks to everyone who has left a review for us.

Loan Market data has revealed that the number of first-home buyer owner occupier loans that were lodged has increased between the 2022/23 financial year and the 2023/24 financial year.

Some of the reasons for this could be the RBA’s cash rate remaining stable since November 2023 as well as welcome changes to stamp duty concessions across many states.

If you’re thinking about entering the property market for the first time, we’re your dedicated guide throughout the journey.

Life gets busy so it can be easy to let things like a home loan health check fall to the side. As your broker, I take care of all the negotiating for you to help you get a competitive rate.

Beginning your journey to homeownership is a lot like starting a new book. It’s exciting and you’re not quite sure what the rest of the story might look like.

As your broker, we guide you through each page of your homeownership journey. From loan research, to application, to settlement and beyond.

In welcome news, the instant asset write-off that was due to expire on June 30 2024 has been extended by another 12 months.

This means that eligible businesses can continue to immediately deduct the full cost of eligible assets under $20,000, as long as they are first used or installed before the end of June 2025.

You can read more about what instant asset write-off could mean for your business and how to best capitalise on it.
https://broker.loanmarket.com.au/berkeley-vale/blog/instant-asset-write-off-extended/

Data from Price My Car has revealed that the current average wait time for a new car in Australia is 65 days. This is down 59% from the August 2022 peak of 159 days.

The brands with the shortest current wait times are GWM (14 days), Ram (14 days), LDV (17 days), Subaru (22 days) and MG (29 days).

If these reduced wait times have you thinking it might be time for a new vehicle, as your broker, we can help you secure the finance to make it happen.

If your credit score isn’t what you think it should be or you’re just looking to give it a boost, there are some things you can do to help improve it.

As your broker, we look at your situation in detail and identify areas for improvement to help you put your best foot forward for your loan application.

When it comes to property investment, you may have heard the term ‘negative gearing’ thrown around. But what exactly is it and what could it mean for your property investment journey?

As your broker, we explain negative gearing and other financial jargon to ensure you have a full understanding of all things property investment.

f you’re looking to buy your first home, you may have heard about the possibility of using a guarantor to help you make your purchase without needing a 20% deposit.

If you’re considering using a guarantor or becoming one yourself, check out our https://broker.loanmarket.com.au/berkeley-vale/blog/guide-guarantor-home-loans/

The cash rate has been kept on hold again in August. The cash rate impacts the interest rates on home loans, but what else should you consider when choosing a lender?

We have a look at which lenders are more popular and what you should compare.

https://loom.ly/mI6DGzw

Whether you’re looking to enter the property market for the first time, are looking to purchase your next home or are looking to expand your investment property portfolio, knowing how much you can borrow is essential.

There's a reason over 70% of Australians choose to work with a broker when taking out a loan - and this number continues to rise. A Loan Market broker is legally obligated to work in your best interest and can compare over 60 lenders to find the right solution for you.

Have you been dozing off with visions in your head of family road trips, four-wheel driving adventures or simply a vehicle that isn’t falling apart?

As your broker, we can help secure you the finance to bring those visions to life.

Data from Neoval and Ray White has revealed changes to the number of listings in each capital city. While many cities are noting an increase to the number of listings, changes to the median price reveal that the drivers for this differ between locations.

For instance, in Adelaide, strong price growth has encouraged more people to come to market. The number of properties coming on the market has also been strong. However, while Perth has also been experiencing strong price growth, the number of properties coming to market has been low. There is simply more people that are looking to buy than there are properties available.

If you’re wondering what this data could mean for your homeownership goals, we can help.

Did you know I am now a Finance broker in the Central West region?
My goal is to help you through the process of lending. This could be to purchase your first home, move into your dream home, buy a car, finance that family holiday you have been working on.
A bit about me, I am a local to the area and love the community! Spending time with my family is what makes me happy. Love to watch a good game of footy, and you will often see me at any sport my daughter is involved in. Having 15 years exoerience in real estate and also being a home owner I have lived the experience. I love helping people to reach their goals and want to make it as easy as possible.
If you are considering purchasing a new home or reassessing your finance goals please reach out if you would like some assistance.

Thanks Cortney

If you’re purchasing property and don’t want to be stuck with the same rate for an extended period in case market conditions push rates down, a variable rate could be what you’re looking for.

There are a number of other factors to consider when it comes to which loan is right for you. As your broker, we can help guide you every step of the way

The Australian Taxation Office (ATO) has said it is focusing on investors this tax time after noting the majority had made errors in their tax returns in previous years.

When considering which lender is right for your home loan solution, it’s natural to want to ensure that whoever you choose is safe. In reality, all lenders in Australia, big or small, are held to the same industry regulations and standards throughout your loan journey.

There are a number of reasons why it helps to use a broker for your next loan. A big one is that all brokers are bound by best interest duty. This means that they are legally obligated to work in your best interest and only ever recommend solutions that are right for you.

We’ve all got plans about what we’d like to do with our home to give it an upgrade. Those plans don’t have to stay plans. As your broker, we can help secure you the finance to get there.

From a new kitchen, to a new bathroom, to making your home more eco friendly, we’ve got you covered.

Many people experience financial difficulty from time to time and it's certainly nothing to be ashamed of. If your circumstances have changed and you've been having difficulty with your mortgage repayments, there are some things that lenders may be able to do to help. Reach out to me. We can go through your situation in detail and investigate all options for assistance from your lender.