digilend

🎅🏽 Ho, ho, ho! Merry Christmas! 🎅🏽 ⁣ ⁣ Wishing you and your loved ones a wonderful day full of joy, love, and laughter. May this holiday season bring you warmth and happiness! 🎄✨⁣ ⁣⁣ From the team @ Digilend

🎄Season's greetings and happy holidays! ⛱⁣ ⁣ Thank you for all your support throughout 2024! Wishing you a wonderful Christmas and New Years holiday break 🙌⁣⁣ ⁣⁣ We hope we helped make your mortgage and finances a little easier to stay on top of throughout the year! 😁⁣⁣ ⁣ Here's hoping for a few rate cuts in 2025! 😅⁣⁣ ⁣⁣⁣ From the team @ Digilend

✅ What to research when buying in a new development ✅⁣ ⁣ Searches to ‘buy’ on popular listing sites are up 7% compared to last year, according to PropTrack data. 📈⁣ ⁣ But with homes in tight supply, more buyers are looking at new developments.⁣ ⁣ If that sounds like you, here's a quick initial checklist to run through.⁣ ⁣ ✅ Look into the developer’s and builder's track record.⁣ ✅ Check out the estate’s masterplan to know what it offers.⁣ ✅ How are the transport links?⁣ ✅ Will the area have new schools and shops nearby?⁣ ⁣ If it all looks like it's stacking up, contact us about finance. ⁣ ⁣ We can run you through a range of loan options that are available when you buy/build a new home. 👇⁣ ⁣ To find out more, contact Mario at Digilend on: ☎️ – 1300 344 453 💻 – [email protected]  #digilend #homeloanexpertsonline #southport #goldcoast #robina #southportproperty #goldcoastproperty #southportre #goldcoastre #southportmortgagebroker #goldcoastmortgagebroker #firsthomebuyers #investmentloans #mortgagebroker #property #refinancing #finance #realestate

😮 Where to buy a home with a $50,000 deposit 😮⁣ ⁣ Good news if everywhere seems outside your budget.⁣ ⁣ Below are a number of suburbs where it’s possible to buy a house or unit with a $50,000 deposit (according to Canstar):⁣ ⁣ - Sydney: check out Wiley Park, Jamisontown or Liverpool.⁣ - Melbourne: consider Melton South or Brunswick West.⁣ - Brisbane: head to Kippa-Ring and Bowen Hills.⁣ - Adelaide: consider Evanston, Elizabeth Sound, or Plympton.⁣ - Perth: think units in Belmont or East Perth.⁣ - Hobart: look at Clarendon Vale or Risdon Vale.⁣ ⁣ Ask us about the Home Guarantee Scheme too. 🏡⁣ ⁣ It can allow first home buyers to buy with just a 5% deposit and no lenders mortgage insurance. ⁣ ⁣ Or 2% for single parents. 👇⁣ ⁣ To find out more, contact Mario at Digilend on: ☎️ – 1300 344 453 💻 – [email protected] #digilend #homeloanexpertsonline #southport #goldcoast #robina #southportproperty #goldcoastproperty #southportre #goldcoastre #southportmortgagebroker #goldcoastmortgagebroker #firsthomebuyers #investmentloans #mortgagebroker #property #refinancing #finance #realestate

🙌 Home buyers shift strategies, more go solo 🙌⁣ ⁣ A whopping 40% of first home buyers purchased a property on their own in the first six months of 2024, according to CommBank data.⁣ ⁣ How did they do it? 🤔⁣ ⁣ Well, apparently 45% of first home buyers are now using government-funded guarantees to get into the market.⁣ ⁣ That means tapping into initiatives like the First Home Guarantee, which requires just a 5% deposit and no lenders mortgage insurance.⁣ ⁣ Or 2% for single parents.⁣ ⁣ Contact us today to find out how you could get into a place of your own sooner. 👇⁣ ⁣ To find out more, contact Mario at Digilend on: ☎️ – 1300 344 453 💻 – [email protected] #digilend #homeloanexpertsonline #southport #goldcoast #robina #southportproperty #goldcoastproperty #southportre #goldcoastre #southportmortgagebroker #goldcoastmortgagebroker #firsthomebuyers #investmentloans #mortgagebroker #property #refinancing #finance #realestate

💪 Landing a home loan if you’re self-employed 💪⁣ ⁣ Rightly or wrongly, lenders can see self-employed borrowers as higher risk than employees.⁣ ⁣ So it helps to be prepared when applying for a home loan:⁣ ⁣ ✅ Have evidence you’ve held an ABN for a year or two⁣ ✅ Gather proof of income like your latest business activity statements and tax returns⁣ ✅ Don’t hide your income (aka cash jobs) as it can reduce borrowing capacity, and⁣ ✅ Grow savings to show you can handle home loan repayments.⁣ ⁣ If you're struggling to meet any of the above, you could even be eligible for a low-doc home loan designed especially for self-employed borrowers.⁣ ⁣ Talk to us for home loan help when you’re your own boss. 👇⁣ ⁣ To find out more, contact Mario at Digilend on: ☎️ – 1300 344 453 💻 – [email protected] #digilend #homeloanexpertsonline #southport #goldcoast #robina #southportproperty #goldcoastproperty #southportre #goldcoastre #southportmortgagebroker #goldcoastmortgagebroker #firsthomebuyers #investmentloans #mortgagebroker #property #refinancing #finance #realestate

🙌 Why Aussies return to their broker - again and again 🙌⁣ ⁣ Close to 9 out of 10 Australians say they trust their mortgage broker, according to Agile Market Intelligence research.⁣ ⁣ In fact, borrowers are almost twice as likely to ‘completely trust’ their broker compared to lenders that home buyers deal with directly.⁣ ⁣ Here's what we could help you with during your next home purchase:⁣ ⁣ ✅ Understanding your borrowing power⁣ ✅ Providing you with valuable support and guidance⁣ ✅ Streamline the finance process⁣ ✅ Understanding affordability, savings and deposit options, and⁣ ✅ Settling on your property.⁣ ⁣ Contact us today for help buying your first, second or third home. 👇⁣ ⁣ To find out more, contact Mario at Digilend on: ☎️ – 1300 344 453 💻 – [email protected] #digilend #homeloanexpertsonline #southport #goldcoast #robina #southportproperty #goldcoastproperty #southportre #goldcoastre #southportmortgagebroker #goldcoastmortgagebroker #firsthomebuyers #investmentloans #mortgagebroker #property #refinancing #finance #realestate

🏠 How much has your home’s value risen by? 🏠⁣ ⁣ CoreLogic found that homes purchased in the below years have increased by the below percentage on average: ⁣ ⁣ 1995: 437%⁣ 2000: 308%⁣ 2005: 148%⁣ 2010: 94%⁣ 2015: 57%⁣ 2020: 34%⁣ 2023: 4%⁣ ⁣ Now, 1995 might seem like a long time ago - but it's less than the timeframe of a typical 30-year mortgage. 😮⁣ ⁣ Contact us today to begin your property journey. 👇⁣ ⁣ To find out more, contact Mario at Digilend on: ☎️ – 1300 344 453 💻 – [email protected] #digilend #homeloanexpertsonline #southport #goldcoast #robina #southportproperty #goldcoastproperty #southportre #goldcoastre #southportmortgagebroker #goldcoastmortgagebroker #firsthomebuyers #investmentloans #mortgagebroker #property #refinancing #finance #realestate

😎 Are you auction-ready? 😎⁣ ⁣ The spring market is ramping up - and so are sales by auction.⁣ ⁣ Over 2,000 homes went under the hammer in late August, with more expected through summer.⁣ ⁣ Here’s how to get your auction game on:⁣ ⁣ 🧐 Research the local market to know what similar homes are selling for⁣ ✅ Understand your borrowing power⁣ 👍 Have your home loan pre-approved⁣ 🔨 Arrange a pre-purchase inspection to avoid unwanted repair bills⁣ 🙌 Attend other auctions to get a feel for how they work.⁣ ⁣ Call us today to get your finances auction-ready. 👇⁣ ⁣ To find out more, contact Twelve Grains Capital on: ☎️ – 1800 807 620 💻 – [email protected] #twelvegrainscapital #buildbetterbusiness #bespoke #specialistlending #privatelending #smeloans #commercialloans #refinance #homeloans #assetfinance #property #sydneyproperty #sydneyrealestate #australianbusiness #australianrealestate

🤔 What’s the deal with negative gearing? 🤔⁣ ⁣ Negative gearing was back in the headlines again recently but what’s it all about?⁣ ⁣ ‘Gearing’ simply means borrowing to invest. 🏡⁣ ⁣ ‘Negative gearing’ is where the costs of owning the property, such as loan interest, council rates, insurance and so on, exceed the rental income the property generates.⁣ ⁣ The investor then claims a loss on the property via their tax return (even though the property’s value, aka capital gains, might have increased during that period).⁣ ⁣ The advantage of negative gearing is that this loss can be offset against other income including your regular wage or salary. ⁣ ⁣ The end result is the potential to save on your annual tax bill. 📉⁣ ⁣ Interested in finding out more about buying an investment property?⁣ ⁣ Talk to us about an investment loan to help get you started. 👇⁣ ⁣ To find out more, contact Mario at Digilend on: ☎️ – 1300 344 453 💻 – [email protected] #digilend #homeloanexpertsonline #southport #goldcoast #robina #southportproperty #goldcoastproperty #southportre #goldcoastre #southportmortgagebroker #goldcoastmortgagebroker #firsthomebuyers #investmentloans #mortgagebroker #property #refinancing #finance #realestate