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REA-Hobsons Bay

A.  Standard Variable Rates for sub 80% LVR for Owner Occupiers with Principal & Interest repayments are as follows:

Best:  Bank of Sydney 4.59% or, repayments of $512/mth per $100K borrowed

Best Big 4: CBA 4.92% or, repayments of $532/mth per $100K borrowed

 

B.  Facts Regarding Interest Rates & Prices

Fact #1  In 9 of the last 10 cycles of rate increases, property prices have gone UP (not down) – and in the remaining cycle, property prices moved sideways.

Fact #2  The 2022 Interest Rate increases reduced borrowing capacity by around 25%.

 

Conclusion:  So, what looks like gloom (Fact #2) may in fact be a boom (Fact #1)!

4 Niches for Home Loans for Self Employed

#1  The Applicant’s Notice of Assessment for the past 2 years – no Income Tax Returns or Financials required for the business or applicant.

#2  Only 1 year’s Bonus needed for servicing (not 2) – and Share Vesting Bonuss are OK!

#3  Professionals: One year’s ABN and financials – up to 70% LVR + more on application.  Covers Accountants, Actuaries, Lawyers, Medical & Engineers.

#4  Cash out unlimited to 80% LVR with broker notes only – and Owner Occupier Rates for the purchase of a holiday home!

Hobsons Bay Links

What’s on – residents

What’s on – business

Business Networking Hobsons Bay – contact us for details

Attend a meeting

Allow me to register you as a Visitor to a local networking group, BNI Powerhouse – click here.

The members of BNI worldwide have generated business (aka money in the bank) for their fellow members of over $20B.

 

When we meet:

Wednesday mornings – 7:15 am to 9:00 am at Kooringal Golf Club or via Zoom (1st Wednesday of the month).

2023: we start back on 25 January 2023

Please contact me to Register you: click here

Quotes for you

#1  The best time to plant a tree was 20 years ago. The second best time is today – Happy Chinese New Year!

#2  Someone’s sitting in the shade today because someone planted a tree a long time ago – Warren Buffet

#3  Control leads to compliance; autonomy leads to engagement – Dan Pink

 

Hobsons Bay

#1  Hobsons Bay covers 66 sq km

#2  It has 20 km of bay frontage

#3  The Aboriginal people who lived in Hobsons Bay are known as the Yalukit Wilum, a name meaning ‘river camp’ or ‘river dwellers’

CONTACT

  • Office: 12-16 Parker Street Williamstown VIC 3016
    Mail: 16 Junction Street Newport VIC 3015
  • Ph: 1300 989 878

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Services

  • Residential Property
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  • Personal & Property Services
  • Business & Property Services

Resources

  • Common Terms & Abbreviations
  • Useful Links
  • Business Referral Relationships
  • Financial Calculators

BIR Pty Ltd ACN 117185654, trading as BIR Finance, Credit Representative Number 517662, is authorised under Australian Credit Licence 517192 held by LM Broker Services Pty Ltd ACN 632405504

Disclaimer statement: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. This page does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Where applicable, this page is subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

If you have any compliments or concerns, please go to our Contact Us page.


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      Contact Us

      If you’re busy and want a broker who cares about you and your future, reach out to us. We’re available when you are!