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delfifemortgagebroker

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delfifemortgagebroker

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delfifemortgagebroker

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delfifemortgagebroker

Let me take care of the hard stuff and you just worry about finding yourself a new home! Contact me via my profile. . . . . . #mortgagebroker #homeloan #beabetterbroker #brokerbehindyou #broker #finance #financebroker #melbourne #melbournebroker #brokervsbank #yourmortgagebroker #mortgagebrokermelbourne #mfaa #firsthomebuyer

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melbourne.property

This warehouse conversion sold in Richmond over the weekend for $2,292,000. Outstanding result 20 Blanche Street, Richmond 3121 🛏️3 🛁2 🚘2 Agents: @jelliscraig

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delfifemortgagebroker

Did you know that mortgage brokers now write more than 50% of all home loans in Australia? That’s because brokers give you options with a variety of products from a multitude of lenders. Give me a call now if you’re looking at buying or shopping for a better rate. . . . . . . . #mortgagebroker #homeloan #beabetterbroker #brokerbehindyou #broker #finance #financebroker #melbourne #melbournebroker #brokervsbank #yourmortgagebroker #mortgagebrokermelbourne #mfaa #firsthomebuyer

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melbourne.property

Calling all developers 5 Curran Street, North Melbourne 3051 $4,500,000 - $4,950,000 1,025 square metres Agents: @jelliscraig

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boss_babe07

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delfifemortgagebroker

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melbourne.property

Beachfront property in Middle Park 213 Beaconsfield Parade, Middle Park 3206 🛏️4 🛁3 🚘2 Agents: @wilsonagents

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delfifemortgagebroker

Home loans can be boring AND time consuming. Why not get help from a broker (like me) who will do all the grunt work for you! Check out my profile for contact details. . . . . . . #mortgagebroker #homeloan #beabetterbroker #brokerbehindyou #broker #finance #financebroker #melbourne #melbournebroker #brokervsbank #yourmortgagebroker #mortgagebrokermelbourne #mfaa #firsthomebuyer

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melbourne.property

Warehouse conversion in trendy Fitzroy 8/165 Rose Street, Fitzroy 3065 🛏️2 🛁1 🚘1 Agents: @jelliscraig

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delfifemortgagebroker

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melbourne.property

Ticks all the boxes 62 Park Street, Moonee Ponds 3039 🛏️4 🛁3 🚘2 Agents: @alexkarbon_realestate

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aussiecranbourne

Are you happy with your bank? But unhappy with your rate? If you’re looking for a better deal, and a way to save money? Come and see us @aussiecranbourne and let us help you. #options 📷via @houseandgarden

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financebynicky

With much uncertainty in the property & lending market now is a good time to consider the security a fixed loan term brings . It's not for everyone, but with the recent increase to a number of lenders variable rates, the fixed comparison is looking very attractive . Now hit me with your preference, Fixed or Variable 🤷‍♀️

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financebynicky

Receiving testimonials never gets old 💪🏻 . There is no better feeling than knowing all my hard work and efforts have been appreciated . I love my job 🤗

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delfifemortgagebroker

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melbourne.property

Luxury just moments from High Street, Northcote 163 Separation Street, Northcote 3070 🛏️ 4 🛁 3 🚘 3 Agents : @mcgrathestateagents

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financebynicky

Don’t let it get to the no through road before you ask for help . All too often I have clients coming to me after a number of unsuccessful enquiries from a handful of lenders be it for credit cards, personal loans or mortgages . This not only affects your credit score but gives the lender reason to question your profile and stability . I love nothing more than to get someone out of a pickle because let’s face it, we all could find ourselves here with some unfortunate circumstances . From a 20minute meeting, I can generally have all the details I need to calculate your borrowing capacity from over 30 different lenders . Let me help you 😊

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financebynicky

Let me ride this journey with you . It’s not about just giving you the information . It's about guiding you through this journey

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delfifemortgagebroker

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delfifemortgagebroker

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delfifemortgagebroker

Whether you're looking at buying or want to cash out some equity to pay off your credit cards or buy a new car, speak to your broker first. Check my profile for details. . . . . . #mortgagebroker #homeloan #beabetterbroker #brokerbehindyou #broker #finance #financebroker #melbourne #melbournebroker #brokervsbank #yourmortgagebroker #mortgagebrokermelbourne #mfaa #firsthomebuyer

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accessionfinance

Melbourne, it doesn’t take any more than a night out in this city to realise how special it is. A night of good food, great cocktails and the most wonderful company. Happy birthday @sebp29 it was so nice to celebrate with you 🥂🍾🎂

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delfifemortgagebroker

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delfifemortgagebroker

Is your bank’s interest rate on the move? Give me a call for a chat. Check out my profile for details. . . . . . . . #mortgagebroker #homeloan #beabetterbroker #brokerbehindyou #broker #finance #financebroker #melbourne #melbournebroker #brokervsbank #yourmortgagebroker #mortgagebrokermelbourne #mfaa #firsthomebuyer

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delfifemortgagebroker

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financebynicky

Is anyone else having bathroom envy??

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financebynicky

IN SIMPLE TERMS . What you can afford depends on what you currently earn and what you spend . It’s about assessing your incoming versus outgoing money 🤔 . So your first step in working out what you can afford should always be to draw up a realistic budget showing what money is coming in and what will still need to go out once you take out your home loan . Don’t forget to include existing loans, credit cards and other debts.

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delfifemortgagebroker

It's a good idea to get regular health checks done on your home loan to see if there is a better product or rate available to you. . . . . . #mortgagebroker #homeloan #beabetterbroker #brokerbehindyou #broker #finance #financebroker #melbourne #melbournebroker #brokervsbank #yourmortgagebroker #mortgagebrokermelbourne #mfaa #politics #primeminister

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delfifemortgagebroker

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financebynicky

I love providing a personal service and understanding my clients needs . First morning in a new home, what do you need??? Breakfast 🍳 . A good quality non-stick pan and some free range eggs from our chickens, dirt and all 😋

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financebynicky

Recieving beautiful messages like this from my client make my job so fulfilling ❤️❤️

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delfifemortgagebroker

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empoweredhomeloans

JK food is the first 😂 ok, maybe equal first (with finance of course 🍦💰). Happy Friday! #financenerd #broker #debtfreecommunity #debtfreecommunityaustralia #homeloanspecialist #happyfriday #melbournefinance #melbournebroker

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themelbournebroker

Like that saying goes.. "I have to be successful because I love expensive sh #t

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delfifemortgagebroker

Looking for that perfect mortgage? Speak to a broker, speak to me! We have so many options available that I’m sure I can find your perfect fit! . . . . . . #mortgagebroker #homeloan #beabetterbroker #brokerbehindyou #broker #finance #financebroker #melbourne #melbournebroker #brokervsbank #yourmortgagebroker #mortgagebrokermelbourne #mfaa #firsthomebuyer

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empoweredhomeloans

Ain’t that the truth ☝️Knowing this transforms your finance journey from one that may be full of keeping up with the Jones’s ➡️ mindless consumerism 🔄 debt cycle to a journey that’s full of goals and intentional living ➡️ spending mindfully on things you love and value ➡️ increased savings rate 🔄 wealth building. That’s why we focus on more than the maths here at EHL 🌱 The maths is *super* important (obviously), but so is the psychology. And living and *believing* this quote sums it up in a nutshell. #broker #melbournebroker #homeloanspecialist #homeloan #financegoals #financialfreedom #financialindependence #debtfreecommunity #debtfreecommunityaustralia #happiness #moneymindfulness #simpleliving

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empoweredhomeloans

There’s no place like home ✨ We couldn’t agree more here at EHL. We’re big believers in the power of home as a base, a safe space and, potentially, a leverage to grow your wealth 🏡 Home means a lot of things to a lot of people, and for us, we want to help as many people get into their homes on the best home loan structure available, pay them down as quickly as possible and use them to grow their net worth (if that’s in line with their goals of course). Also, I wouldn’t mind if my home looked just like this one 👀🌱🌿🌵👍🏻 #broker #theresnoplacelikehome #melbournebroker #plantlady #homeloan #finance #financialfreedom #debtfreecommunity #debtfreecommunityaustralia

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financebynicky

I have a current discount rate code allowing for simply the most competitive rate in the market . Let's just say if your rate is 3.6% you are paying too much . That being said it's time to reassess your home loan and ensure, if you have a fixed or introductory period nearing its end term, you are prepared to refinance before getting hit with the rate increase . If all you can hear from this is 🤷🏼‍♀️ contact me today and I can look into it for you.

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financebynicky

Once again I find myself posting another beautiful image of a white weatherboard house . I clearly have never had the duty of refurbishing one of these bad boys 🔨 . Similar to the thought of future upkeep, we need to consider your future aspirations when choosing a fixed or introductory rate loan . At the end of these initial periods the rates generally increase far beyond the outset leaving people who may have since changed professions or had children restricted for lending ability . This is not to say these products don’t offer great attributes, they should simply just be considered in length . Let’s sit down and discuss you goals and objectives 💪🏻

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mh_financebroker

Always ask yourself what possibilities are existing on the other side of fear? Could it be home ownership? Travelling solo? Starting a business?

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empoweredhomeloans

We have branding🤸‍♀️!!! Super duper excited to wake up to find our branding all lovely and perfect and awesome and waiting for us in our inbox 😍!! Massive thanks @youroneandonly_au for really hearing our ideas around a different kind of finance service and totally NAILING the brief ✨ up next is the website! One step closer to take off 🚀 #financialgoals #melbournebroker #broker #finance #debtfreecommunity #debtfreecommunityaustralia #homeloans #homeloanspecialist

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marksman_finance

Just got word on some CRAZY good products being released.. how do you stack up against 3.58%.. LIMITED TIME!

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financebynicky

How much you can borrow doesn’t simply come down to what you earn and what you spend 🤷🏼‍♀️ . It is also affected by your credit score or credit rating . This is based, in part, on your history of paying back other loans and bills, as well as how many times in the past you’ve applied for credit . It also takes into account whether you have defaulted on a loan or have any debt-related judgments against you (like bankruptcy) . When they’re considering how much you can borrow, a lender will also factor in your access to any other credit – such as personal loans, home loans and even credit cards, even if you don’t owe anything on them . That’s because they need to factor your need to meet these potential repayments into your capacity to repay a home loan

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delfifemortgagebroker

Why go to one bank that has a limited product range when you can use a broker with 25 different lenders who offer various products. . . . . . #mortgagebroker #homeloan #beabetterbroker #brokerbehindyou #broker #finance #financebroker #melbourne #melbournebroker

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mh_financebroker

Planning a summer vacation? Talk to me about a personal loan today.

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deanmisters

Just like your health insurance, or life insurances — sometimes, changes in your life or the environment may mean the home loan you initially signed up to mah no longer be the best option. . It ain’t no set and forget exercise. Running that quick annual home loan health check can potentially save you thousands. 🏠 #moremoneyinyourpockets — intrigued? Let’s have a quick sharp shoot at yours. No catches. No annoying phone calls after. Just a chat.

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ole.finance

- LVR is the amount you are borrowing divided by the value of the property being used as security for the loan. * - The main criteria for all lenders when assessing risk is the LVR. Generally if an LVR is > than 80%, most lenders will insure themselves against the risk by taking out lenders mortgage insurance. * - How to calculate LVR? Let’s say you want to borrow $500,000 and the property is valued at $650,000. You would take 500,000/650,000 = 77%. Since this is less than 80% no LMI is required. * #melbourneproperty #sydneyproperty #brisbaneproperty #adelaideproperty #realestate #melbournebroker #mortgagebroker #financebroker #jargon #lvr #finance #propertyinvestment #property

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financebynicky

I am your Finacial Broker but also your advocate💅🏻 . Do you see my nails?? They have been painted by my 5 & 2year old. . You see, I am riding the family & income seesaw as we speak, ensuring balance is maintained . So when purchasing or restructuring your next loan, I consider more than just the money. . It's about the lifestyle it allows and the happiness it brings.

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moneyquest_lonsdalestreetmelb

Handy nightcap on tonight's networking dinner. #melbourneskyline #melbournebroker

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financebynicky

I couldn't feel more strongly about this quote 👇🏼 'To live without risk is to risk not living' How often is it the things that terrify us, are the things that are worth the risk and that bring us the most joy ❤️ Purchasing your first home can be terrifying but who remembers starting out with a car loan thinking that was a huge step?

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empoweredhomeloans

Some Sunday arvo thoughts itching to get out of my brain and onto (electronic) paper before we jump into the next work week! We’re *this* close to having our logo ready (yay 🕺🏻) then the website will be ready soon after. And through it all we’re guided by the thoughts on this page ✅ #financialindependence #melbournebroker #mortgage #homeloan #debtfreecommunity #debtfreecommunityaustralia #values #businessgoals

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ole.finance

- 💯 % offset links a savings account to your variable rate home loan and uses the money in that account to offset the loan balance * - On a standard home loan, you will pay interest on the whole amount. With an offset, you’re only charged interest on the home loan less the amount in the linked offset account. * - For example, on a 30-year mortgage for $200,000 with an interest rate of 6.75%, with an average of $5000 in the offset, you would save $29,854 during the loan term and your mortgage ends earlier too. * #melbourne #sydney #brisbane #100%offset #100 #melbournebroker #mortgagebroker #financebroker #realestate #melbourneproperty #finance #makeyourmoneyworkforyou

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empoweredhomeloans

Small extra repayments on your home loan can have big effects (alternative title: how the library can save me $9k) 💰 You might notice that a couple of these books are borrowed from my local library 📚 If I spent $30 on every book I wanted, I wouldn’t be here writing about finances 😂🙅🏼‍♀️💸 (I reeealllly like books...my current Book Depository cart is sitting at an utterly ridiculous $435 😱). To stop myself from spending such a crazy amount of money on books, I try to make a game of it, thinking of ways I could save that $30 and use it in ways that will grow and/or help my financial situation 🌱 like putting it into my home loan as an extra repayment. For example, If I were to look at the average mortgage in Australia these days ($400,000, with an interest rate of 4% & loan period of 30 years), and made additional repayments of $30 per month over the life of the loan (to cover the price of one non e-book purchase per month), you’ll see that you save a whopping $9,690 in interest over the life of the loan 💰(of course these numbers will differ depending on each home loan). When our site is up and running, we’ll be doing plenty of posts on ways to hack your home loan and pay it down ASAP 👍🏻 So really, my Book Depository cart serves as an online reminder of the books I need to borrow from the library 😂 Now I’m off to write my library a thank you note ❤️📚💰🏡 #homeloan #mortgage #mortgagefree #broker #melbournebroker #financialindependence #debtfreecommunity #debtfreecommunityaustralia #financialcoach

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financebynicky

High School Friends 😜 . Where a friendship is formed from your rawest natural beauty, far before you discover yourself and the world at large . I have many memories involving this little fire cracker and I was so blessed to celebrate such a beautiful hens party with you yesterday ❤️❤️❤️❤️

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melbourne.property

230 Brunswick Road, Brunswick 3056 $1,250,000 - $1,375,000 @jelliscraig

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empoweredhomeloans

Two of the most important aspects of staying on track financially and paying down a 30 year home loan at a MUCH faster pace are undoubtedly patience and persistence 💪🏻🏡⏰ A good chunk of positivity certainly won’t hurt either ✨ Add growing your financial knowledge into the mix and you’re most definitely on the right track 💛💛💛 #regram @makelemonadeco #homeloan #mortgagefree #melbournebroker #broker #financialindependence #debtfreecommunity

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empoweredhomeloans

Melbournians, how amazing was the weather yesterday?! ☀️☀️☀️ I spent the day working from home, on our upstairs balcony, alongside the birds 🐦🌳☀️😍. I spent some time playing around on a few of the MoneySmart calculators. ASIC have a bunch of free calculators that can be found at moneysmart.gov.au and they are all sorts of wonderful and easy to use👍🏻 The one I’m working on here can help you compare alternative scenarios when it comes to paying down your home loan sooner 🏡💰So if you’re wondering what the effect of an extra $50 repayment each week has on your loan, punch the numbers into the calculator and see the money fairy at work 🧚‍♀️💰✨I’m addicted to these calcs, both for finding ways to pay down my own mortgage ASAP, and also to help our clients see the benefit that additional repayments have on their home loans. As we build the Empowered website, we’re including a few different calculators like these to help you make informed and empowered financial decisions. So excited to see it all come together ✨🏡💰

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seanwroe

Excited for this nice 📖 to come in before the weekend. Knowledge is power! • • • • #smallbizvic #sakurafinance # mortgagereview #melbournerealestate #mortgagebroker #mybroker #melbournebroker #melbourne #networking #testimonial #review #homeloan

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melbourne.property

27 Tennyson Street, Seddon 3011 $1,250,000 - $1,350,000 3🛏️ 2🛁 1🚗 @jelliscraig Auction 28th August

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deanmisters

There is nothing more exciting than a new home that’s just waiting for a story to be told... and special memories to be created. #welcomehome 🏡

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melbourne.property

Not the worst place to spend your summer! 35 Barnsbury Road, Deepdene 3103 @jelliscraig Open for Inspection this Saturday the 28th of July

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deanmisters

Blue. Home theme — y or n?

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deanmisters

Here’s the thing. ☝️ From the moment you put that nice squiggly line (signature!) on that contract of sale - all key dates on the contract are set in motion. . Key dates such as building and pest inspections, finance, and settlement. . So. Tip. As soon as you sign? Make sure your go-to $$$ guru is on standby to act smoothly and quickly to ensure your finance is prepared and ready for settlement well before the due dates in the contract. #lockandloaded

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deanmisters

Twenty eighteen style? Minimal with a dash or quirk.

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ism_australia_rto

Join us in Melbourne next week! Spots still available. Don’t miss out. RTO ID 91485 #commercialfinance #melbournebroker #constructionloans #carfinance #melbournebroking #cafba #ism

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ism_australia_rto

Our new program with CAFBA is cutting edge and it's COMING TO MELBOURNE NEXT WEEK! Whilst learning the practical aspects of equipment and commercial finance learners will also come away with a qualification in FNS41815 Certificate IV in Financial Services. Don't miss out, find out more today https://ism.edu.au/cafba/ or contact Blake Parrott

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melbourne.property

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deanmisters

Every home has a story. What’s yours?

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empoweredhomeloans

During these early stages of our business transformation, we’re continually looking to be inspired by others🌟 Yvon Chouinard founded @patagonia and his business manifesto ‘Let My People Go Surfing’ has been a source of endless inspiration as we’ve developed Empowered Home Loans over the past few months. He’s a role model for me (Lauren 👋🏻), not just because of how he runs his business but also because of how he lives his life focussed on his values and beliefs. And this morning, as I find myself with some spare time (kids are with the grandparents 💃🏼👍🏻), I’m reading and re-reading my favourite passages over and over again and getting more and more inspired to use his lessons and insights throughout our business. I can not recommend this book highly enough for entrepreneurs, consumers, humans in general 😂👏🏻. #businessgoals #ethicalbusiness #homeloans #financialindependence #melbourne #melbournebroker #letmypeoplegosurfing #yvonchouinard

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melbourne.property

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melbourne.property

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melbourne.property

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jph_group

It’s tax time! Do you work from home? You will need receipts for •home office equipment used for work purposes •repairs to the home office or furniture and equipment used for work purposes •cleaning expenses of home office •any other day-to-day running expenses for the home office Got some questions and want to know more? Contact our office today! 🤩

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financebynicky

There are so many exciting things to do throughout our lifetime and traveling is one of them ✈️ . After all, life is for living!! . We do however have to be realistic about at what cost?? . It is too easy to fund these trips with personal loans and although at the time this sounds like a great idea, the effects of these decisions can affect you for many years to come. . Lenders are now considering the number credit inquiries on your file let alone remaining debt when assessing an application . I don’t mean to put a damper on the traveling experience but I do hope you go in eyes wide open when funding your next adventure 💪🏼

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financebynicky

Buying property is a little like that perfect beach body It doesn’t happen in the last few weeks leading into summer 🤷‍♀️ You need to be realistic about your objectives, set small and achievable goals It’s not easy but with the right game plan, it is possible ✔️✔️ Who is ready to kick their plan into play??

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