Hornsby Home Loan Financial

22/11/2024

https://www.facebook.com/share/p/13oRZBcgFW/?mibextid=WC7FNe

06/09/2024

🌟OFF MARKET OPPORTUNITY IN WOY WOY! 🌟
An excellent and affordable opportunity on offer - 2 bedroom home, perfect for first home buyers, young families, downsizers or investors! It will be OPEN FOR INSPECTION TOMORROW - Saturday 7th September from 10:00-10:30am. Take advantage before it goes public!

Call me directly for more information
☎️0484 392 143

19/07/2021

We have some exciting news - we are changing for the better - welcome to Home Loan Financial!

You may have noticed the name change in our recent correspondence to you. Our change from Home Loan Warehouse to Home Loan Financial is to better reflect who we are and what we do as a business. Although our business name has changed, our focus on providing excellent customer service will remain the same and our customers will remain the most important part of our business.

Our existing team members are currently upskilling and we are in planning mode to expand our business with a bigger office, more staff and more brokers when things return to some kind of normal!

We would like to take this opportunity to thank our long-term customers for your loyalty and welcome you again, and all of our new customers to our HLF family.

We hope you are all staying safe and keeping well during these challenging times.

19/07/2021

The report show that in Sydney values have risen 15.2% since Feb 2020 with rents increasing only 2.1%. shorturl.at/lmDEY. This makes it seems like renting in Sydney is comparatively cheap. You know different. In fact the costs of living in every capital city and some regional centre are high.

14/07/2021

First Home Loan Deposit Scheme and New Home Guarantee

A quick reminder for any first home buyers out there looking to buy their first home. The government has released 10,000 further places in the FHLDS and 10,000 further places in the NHG.

So get your tax done ASAP as you will need your 2020/2021 Notice of Assessment to apply for a place in either scheme.

Under the Schemes, eligible first home buyers can purchase a modest home with a deposit of as little as 5% (lenders criteria also apply).

Contact us today to see if you are eligible and how soon you can reserve your space.

13/07/2021

If you are staring at your four walls (or even climbing them!) and you have an idea for something around the home, we can help you get cash out for any worthwhile purpose. Reach out and we can let you know if refinancing is an option or even if a personal loan is the right thing for you.

30/06/2021

Home Values have risen over the last 12 months and this means your equity has probably increased. Equity is simply the difference between your home's value and your home loan balance. If you have equity in your home greater than 20% of the properties value you could consider the following:

1. Do you have high interest debt? Use it to pay off higher interest debt such as car loans and cards - make sure you pay it back over the same time frame to get a real benefit from the lower interest rate.
2. Are you a keen share trader or ETF investor? Use it to invest in assets with a higher return than the interest rate on your home loan. Structured properly, interest repayments may be tax-deductible.
3. Are you ready to invest in property? Set up the deposit portion of your next investment now while values are high. Structure it so you pay no interest until used.
4. Get Leverage! Negotiate a better home loan rate based on your home loan being a lower risk to a bank. More equity = Less risk to the bank.
5. Cash out! Get actual cash in your account to use for any worthwhile purpose at low home loan rates.

Rpdata and other online resources can give you a good starting point, but the final calculation will be made based on a full bank valuation. Reach out if you would like to discuss your options.

28/06/2021

As you know we are a resilient, nimble business and you guys are resilient clients! We are open and will remain open. There is no circumstance where we will not be able to offer our services to you. Due to the current circumstances, we are taking steps to protect the health of our clients, staff, and community. While our physical office is currently closed and we’re not currently available for face-to-face meetings, we are still operating as usual remotely and virtually.

As always, we remain committed to delivering quality service to you and are here to support your needs in any way we can.

We’re available and ready to help, so please don’t hesitate to contact us. Take care everyone!

30/01/2021

26/03/2020

https://soundcloud.com/don-nicolussi/important-how-to-avoid-trapping-your-advance-payments-when-switching-to-fixed

In the current environment, household cash flow is extremely important. When switching to a fixed rate make sure you are not trapping cashflow inside the loan.