Nurture Finance

If you haven’t looked into refinancing since the start of higher interest rates, it might be time to ask yourself ‘why not?’ New research shows it could be time to try again – especially if you want to start 2025 off on the right foot. 🙌

🙌 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, DM us or contact Nurture Finance on: ☎️ – 0411 313 293 💻 – [email protected] #nurturefinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #melbourne #melbournefinance #melbournemortgagebroker #melbournehomeloans #melbournerealestate #melbourneproperty #victoria #victoriaproperty #victoriarealestate #victoriabroker #victoriafinance #victorialoans

🏠 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, DM us or contact Nurture Finance on: ☎️ – 0411 313 293 💻 – [email protected] #nurturefinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #melbourne #melbournefinance #melbournemortgagebroker #melbournehomeloans #melbournerealestate #melbourneproperty #victoria #victoriaproperty #victoriarealestate #victoriabroker #victoriafinance #victorialoans

As we head towards the end of 2024, let’s take a look at how property markets performed over the last year – and what’s being tipped for 2025. 🏡

🏡 The home loan feature 70% of borrowers want 🏡⁣ ⁣ Seven out of ten borrowers are opting for a home loan offset account, according to a recent NAB report.⁣ ⁣ An offset account can let you put spare cash to work by paying down your home loan sooner.⁣ ⁣ How much could your interest payments be reduced by with an offset? 🤔⁣ ⁣ Let's say you have $20,000 in your offset account over the life of a 30-year, $400,000 home loan (with an interest rate of 6%).⁣ ⁣ You could save more than $87,000 in interest, and reduce your loan term by more than three years, according to Macquarie Bank.⁣ ⁣ Contact us to find out if a home loan offset account could be right for you. 👇⁣ ⁣ To find out more, DM us or contact Nurture Finance on: ☎️ – 0411 313 293 💻 – [email protected] #nurturefinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #melbourne #melbournefinance #melbournemortgagebroker #melbournehomeloans #melbournerealestate #melbourneproperty #victoria #victoriaproperty #victoriarealestate #victoriabroker #victoriafinance #victorialoans

🤔 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, DM us or contact Nurture Finance on: ☎️ – 0411 313 293 💻 – [email protected] #nurturefinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #melbourne #melbournefinance #melbournemortgagebroker #melbournehomeloans #melbournerealestate #melbourneproperty #victoria #victoriaproperty #victoriarealestate #victoriabroker #victoriafinance #victorialoans

The coming weeks will see millions of Aussies enjoy a well-earned getaway, and for some, a memorable holiday will inspire plans to buy a holiday home. Is it a good idea? And can a weekender still stack up financially? 🏖

🏡 Struggling to buy your first home? 🏡⁣ ⁣ Did you know 1-in-3 first home buyers get government support to buy their first home? (Housing Australia stats).⁣ ⁣ They're supported by the federal government’s Home Guarantee Scheme (HGS) - which allows first home buyers to purchase a home with just a 5% deposit and not pay lenders mortgage insurance (LMI).⁣ ⁣ Last financial year, the scheme helped more than 40,000 first home owners enjoy a place of their own.⁣ ⁣ Contact us today to find out if you’re eligible for the scheme to get started with a 5% deposit. 👇⁣ ⁣ To find out more, DM us or contact Nurture Finance on: ☎️ – 0411 313 293 💻 – [email protected] #nurturefinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #melbourne #melbournefinance #melbournemortgagebroker #melbournehomeloans #melbournerealestate #melbourneproperty #victoria #victoriaproperty #victoriarealestate #victoriabroker #victoriafinance #victorialoans

🤔 Fixed rates are down. Will variable be next? 🤔⁣ ⁣ A number of lenders recently cut their fixed rates - by more than half a percent in some cases, according to Mozo.⁣ ⁣ Why does that matter?⁣ ⁣ Fixed rates can signal where lenders see interest rates are heading. 📉⁣ ⁣ Already, our big banks are expecting rate cuts between now and mid-2025.⁣ ⁣ And right now though, some lenders' fixed rate home loans are lower than their variable rate options.⁣ ⁣ Not comfortable fully locking in your home loan rate? 😅⁣ ⁣ Talk to us about splitting between fixed and variable rates - it can give you the benefits of both.⁣ ⁣ To find out more, DM us or contact Nurture Finance on: ☎️ – 0411 313 293 💻 – [email protected] #nurturefinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #melbourne #melbournefinance #melbournemortgagebroker #melbournehomeloans #melbournerealestate #melbourneproperty #victoria #victoriaproperty #victoriarealestate #victoriabroker #victoriafinance #victorialoans

There are few better ways to beat the summer heat than floating in your very own pool. With a range of price points to choose from, a pool can be affordable, but will it add value to your property? 🏊♀️