Bricks and Mortgage Pty Ltd

Let's celebrate your money wins! Big or small, it's important to acknowledge what you're doing to secure a stronger financial future. It could be as simple as finally cancelling one of your five streaming subscriptions, or hitting your one month milestone of not using UberEats! Comment one of your recent money wins 🎉💰 #bricksandmortgage #firsthome #financialwellness #financialfreedom #outsource #worksmart #trustedadviser #refinance #parramatta #parramattamums #finance #parramattariver

Ready to start saving for your home deposit? Here's how you can make it happen: 🎯First, be specific with your target and timeframes. You need to be clear on what exactly you're working towards. 📱Next, embrace budgeting apps or tools to track your progress – seeing your savings grow will be a huge motivator. 🏦Consider setting up a separate savings account specifically for your deposit – this 'out of sight, out of mind' approach can reduce the temptation to dip into these funds. 🤟Last but not least, involve your family or partner in the process – having this added layer of accountability and support can keep you focused. Get in touch for help understanding how much of a deposit you'll likely need to buy your property. #bricksandmortgage #firsthome #financialwellness #financialfreedom #outsource #worksmart #trustedadviser #refinance #parramatta #parramattamums #finance #parramattariver

Three financial habits that will boost your borrowing power: – Reduce your debt – Build your savings – Keep your credit score healthy Want to borrow for your dream home? Start by adopting these three simple financial habits. Reducing your debt and building up savings show lenders you’re financially responsible. Checking your credit score helps you stay on top of any issues that could impact your application. The better state your finances are in, the more power you have when it comes time to applying for a mortgage 💪 Ready to take control? Send us a DM to start talking strategy. #bricksandmortgage #firsthome #financialwellness #financialfreedom #outsource #worksmart #trustedadviser #refinance #parramatta #parramattamums #finance #parramattariver

We help you figure out whether refinancing is in your best interests. And we follow a specific process to get it done right: Step 1: Evaluate your current loan/s to find potential improvements. Step 2: Understand all refinancing options to find the best fit for you. Step 3: Sort out the paperwork and liaise with the lender. Sometimes refinancing isn't the best course of action, and you can achieve a better outcome by simply repricing your existing loan. It all depends on your individual circumstances. Ready to optimise your home loan, or switch to a different one? We'll make the process easy! #bricksandmortgage #firsthome #financialwellness #financialfreedom #outsource #worksmart #trustedadviser #refinance #parramatta #parramattamums #finance #parramattariver

In the current economic climate, refinancing your mortgage might seem like a smart move. But is it right for you? It's so important to look beyond the surface and understand how refinancing fits into your overall financial picture. For example, are you planning to renovate, or buy an investment property? Perhaps you'd like to upgrade to your forever home in a few years? What you do now can impact how far you go towards reaching your goals later on. We're here to help you weigh the pros and cons, providing you with the insight you need to decide if refinancing aligns with your long-term financial goals. Get in touch and we'll help you consider your options thoughtfully. #bricksandmortgage #firsthome #financialwellness #financialfreedom #outsource #worksmart #trustedadviser #refinance #parramatta #parramattamums #finance #parramattariver

Setting goals for a big purchase like a home loan deposit can feel overwhelming, but not with the right hacks! 1. Explore high-interest savings accounts or term deposits to make your money work harder for you. 2. Don't overlook the power of side hustles – a little extra income can significantly accelerate your savings. 3. Celebrate small milestones – this is essential if you want to keep your motivation high. You've got this! Let us know if you need help crunching the numbers. #bricksandmortgage #firsthome #financialwellness #financialfreedom #outsource #worksmart #trustedadviser #refinance #parramatta #parramattamums #finance #parramattariver

First off, let us point out these ideas might not make sense for your unique situation. For tailored guidance, reach out to us for a no strings chat. In the meantime, to give you some inspiration, here are five smart ways you can pay off your mortgage faster: – Switch to fortnightly payments – Refinance to a lower rate – Pay extra when possible – Avoid unnecessary fees – Use an offset account #bricksandmortgage #firsthome #financialwellness #financialfreedom #outsource #worksmart #trustedadviser #refinance #parramatta #parramattamums #finance #parramattariver

If 2024 is your year to buy (and there's still time!), here’s what you need to keep in mind: - Interest rates are higher than a few years ago, but there are still great deals out there. - Government incentives are available, especially for first-time buyers. - Pre-approvals are key to being competitive in negotiations with the seller. Don’t put it off – let’s get you ready to buy this year. DM us today to get started! #bricksandmortgage #firsthome #financialwellness #financialfreedom #outsource #worksmart #trustedadviser #refinance #parramatta #parramattamums #finance #parramattariver

The short answer is YES! You don’t necessarily need a massive deposit to secure a home loan. With government incentives, lenders mortgage insurance (LMI), and even LMI waivers for certain professions, you can often get your foot in the door with as little as a 5% deposit. Want to know more about how this might apply to you? Let’s chat! DM us to start the conversation. #bricksandmortgage #firsthome #financialwellness #financialfreedom #outsource #worksmart #trustedadviser #refinance #parramatta #parramattamums #finance #parramattariver

Wondering what the loan process is like? It depends. Let's assume you're doing it solo and not engaging the services of an experience broker. The process will likely be quite convoluted, stressful and time consuming. With a broker in your corner? It becomes a very different story. We take care of the heavy lifting and will walk you through every step. Plus, we'll be comparing dozens and dozens of options, so you can be confident you'll end up with a loan that works in your best interests. Get in touch to get started. #bricksandmortgage #firsthome #financialwellness #financialfreedom #outsource #worksmart #trustedadviser #refinance #parramatta #parramattamums #finance #parramattariver