Jarred Moore Port Finance

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. 💻 https://lnkd.in/ghMidZ4S #jarredmoore #mortgagebroker #financeprofessional #portmelbourne #melbourne #melbournerealestate #realestateau

Budgeting gets a bad rap. The very word conjures up images of spreadsheets, having to save receipts, track every purchase, and generally kiss goodbye to any remotely frivolous (i.e. fun!) spending. So, the 80:20 ratio is a refreshing approach to budgeting. Simply, it means diverting 20% of your income to savings, and then spending the other 80% however you like. Tell us your favourite budgeting hacks in the comments! 💻 https://bit.ly/43kt5vs #jarredmoore #mortgagebroker #financeprofessional #portmelbourne #melbourne #melbournerealestate #realestateau

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! 💻 https://bit.ly/43kt5vs #jarredmoore #mortgagebroker #financeprofessional #portmelbourne #melbourne #melbournerealestate #realestateau

You may have heard of the very ominous sounding 'mortgage prison'. It's a term that emerged late last year to describe the precarious situation some people may find themselves in where they're unable to refinance their home loan to a more competitive solution. This could be due to the value of their property falling so that their loan to value ratio is too high to secure a refinance. Or perhaps they'd no longer qualify for the home loan in today's climate given interest rates have increased so much, which has reduced borrowing capacity across the board. It could also be that their credit score has dropped after one too many late home loan repayments. Whatever the case, before you apply to refinance your home loan, come speak with us to find out which lender you're likely to qualify with. This will protect your credit score, save you time, and ensure you're not pursuing a refinance option that may not serve your best interests. 💻 https://bit.ly/43kt5vs #jarredmoore #mortgagebroker #financeprofessional #portmelbourne #melbourne #melbournerealestate #realestateau

There aren't many more months until Christmas, but why not close this year out with a bang – and in your new home? Here’s how we work together: we handle all the paperwork and guide you through the entire mortgage maze, from start to finish. We’re talking strategy, research, loan applications, lender negotiations, liaising with your conveyancer – the works. We save you time, cut the hassle, and give you the peace of mind that comes with knowing a professional has your back. Ready to make it happen? Get in touch and let's explore your options. 💻 https://bit.ly/43kt5vs #jarredmoore #mortgagebroker #financeprofessional #portmelbourne #melbourne #melbournerealestate #realestateau

Think of pre-approval as a written confirmation from a lender that they're willing to loan you a certain amount of money to buy a property, provided you meet certain conditions. Keep in mind not all pre-approvals are created equal. Some are system-generated and won't factor in your full situation. Others will be based on a more complete assessment – and therefore a better reflection of how likely you are to secure formal approval. Here's why you might want to secure pre-approval before you make an offer on a property: Know your borrowing capacity: Get a clear idea of the amount you can borrow, so you can narrow down your property search. Negotiating power: Show the seller you're a serious buyer who has already been assessed by a lender. Avoid delays: Provide the lender with most of the info they need to assess your loan upfront, to make the formal approval process more seamless. Peace of mind: In 2024, is there anything worth more than certainty? Pre-approval gives you a clearer view of your options. Get in touch to secure your pre-approval. 💻 https://bit.ly/43kt5vs #jarredmoore #mortgagebroker #financeprofessional #portmelbourne #melbourne #melbournerealestate #realestateau

Ever wondered why interest rates make headlines? The interest rate on your mortgage isn't just a number – it determines how much your property really ends up costing you. In a fluctuating market, keeping an eye on interest rates helps you make informed decisions and ensures your mortgage remains competitive. Curious about your current rate? Let’s review it together to work out if it's serving your best interests. 💻 https://bit.ly/43kt5vs #jarredmoore #mortgagebroker #financeprofessional #portmelbourne #melbourne #melbournerealestate #realestateau

Despite a period of relatively high inflation, stagnant wages and increasing interest rates, our property market is proving to be very robust. And for a lot of people, it's as smart an investment as ever. Whether you’re after the keys for your first home, your forever home, or an investment property, we can help you. 💻 https://bit.ly/43kt5vs #jarredmoore #mortgagebroker #financeprofessional #portmelbourne #melbourne #melbournerealestate #realestateau

We're practically being beaten over the head with how unaffordable housing is right now, but we're here to remind you it's not all doom and gloom! Contrary to the constant news reports, you don't need to be on an exorbitant salary to break into the property market. If you aspire to get on the property ladder, let's sit down together, crunch the numbers, and get clear on what you can afford to borrow and when. Reach out today to explore your options. 💻 https://bit.ly/43kt5vs #jarredmoore #mortgagebroker #financeprofessional #portmelbourne #melbourne #melbournerealestate #realestateau

New data shows that 86% of people taking out a home loan trust brokers over lenders 🤝 Why? Well when you have a broker on your team you save time, money and effort. Plus, we provide so much choice and our clients know we work hard to secure them a solution that serves their best interests. Engaging a broker really is a no-brainer. Reach out to chat to us today. 💻 https://bit.ly/43kt5vs #jarredmoore #mortgagebroker #financeprofessional #portmelbourne #melbourne #melbournerealestate #realestateau