⭐️ ⭐️ ⭐️ ⭐️ ⭐️ Smooth, stress free and tenacious in sourcing the right solution for you. #testimonialtuesday #clientfeedback #googlereviews #mortgagebroker #womeninfinance #homeloans #australianbroker
About us
SK & Associates Financial Services
- Website
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www.skassociatesfs.com.au
External link for SK & Associates Financial Services
- Industry
- Financial Services
- Company size
- 1 employee
- Type
- Self-Employed
- Founded
- 2024
Employees at SK & Associates Financial Services
Updates
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A reflection of 10 things making my heart, body & mind sing as a small business owner, 7 months into my journey! 💜 I have fallen in love with my work again. After 17yrs in banking, I was starting to believe that I no longer enjoyed my work. That wasn't true, I was just (over)ready to do things differently. My way. 💛 I am witnessing myself unlearn self-limiting thoughts that I have carried around for years, a big one being 'I hate networking', learning I do indeed LOVE networking, in ways that feel authentic and real for me. READ: NOT cold calling or being forced to build inauthentic relationships. 💜 I feel so proud to have established a donation program from day 1, having donated funds to the Embrace Kids Program to reach 800 students, across 32 classrooms. A cause very close to my heart, with the early work of Embrace being the catalyst for my own journey into self-empowerment. 💛 Many of my clients have provided gorgeous 5-star reviews about their experiences in working with me, and I have enjoyed working with every single one of them just as much! This has created the most precious organic growth, and I'm so grateful for every single one of them who have gone on to become an advocate for me and my little business! 💜 We've approved & settled 32 loans across 15 different lenders, which is INCREDIBLE to me as a previous 'career banker', highlighting the value that Brokers provide Australian's exploring their lending options, to ensure you find the BEST lending solution, and not just settle for what you know. 💛 So far, we've settled loans in 4 states across Australia (can't wait to reach them all!) 💜 A wholesome little coincidence - the very first client that we settled as a new Brokerage, recently became our very first commercial client! This left me feeling so empowered to continue learning and expanding, knowing my clients trust me to get it right. 💛 When setting out on this journey, I set myself a financial goal to achieve within the first 12 months, I recently met that goal before hitting 7 months. 💜 Personally, my nervous system is feeling as though I'm in just the right place, I have maintained my self-care routines to ensure I don't become all consumed by my small business and have even managed to take a glorious holiday without feeling like the world was going to fall over! 💛 And finally, a dear friend and I have created the space and energy to pursue a passion project, with the launch of our Podcast 'I Hear You' (link in the comments if you're interested in listening!). In summary, some of the scariest leaps can lead to the most incredible next chapter. As a late diagnosed AuDHD'er, I am gleefully in my moment of shedding masks and conditioning that have piled on during a lifetime of trying to conform to how I 'should' be in this world. What I am learning, seeing and feeling, is that life and business and human connection is getting stronger, with every step that I take inwards, back to myself. Sam x
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🤔 What happened to the predicted 2024 rate cuts? 🤔 Interest rates don’t look like heading south any time soon. 🙃 It’s all thanks to inflation, which is sitting stubbornly just above the Reserve Bank’s target range of 2-3%*. Chances are we won’t see any cash rate cuts for home loans until at least early 2025 (and some pundits are now saying a hike might now come before a cut). 😤 But don’t let that stop you from taking action of your own. 👍 We’re still seeing a big difference in rates across lenders. Better still, rising property values may mean you’re in a great position to refinance. 👇 To find out more, DM us or contact Sam on: ☎ – 0402 493 118 💻 – [email protected] #skandassociates #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #adelaide #adelaideproperty #adelaiderealestate #adelaidebroker #adelaidefinance #southaustraliaproperty #southaustraliarealestate #southaustraliafinance #southaustralialoans #southaustralia
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🧐 What does buying a home ‘subject to finance’ mean? 🧐 Seen a place you love but not sure if you’ll get a home loan? 🤔 Making an offer ‘subject to finance’ can buy valuable breathing space. 👍 It means you could walk away from a purchase with your deposit intact if you can’t land a home loan. The catch? 🎣 The seller doesn’t have to go along with a sale that’s subject to finance - and there's a reasonable chance they won't if you're buying in a seller's market. 🙃 Another option you can consider is lining up home loan pre-approval before making an offer on a property. 🙌 If you'd like to find out more about pre-approval, call us today. 👇 To find out more, DM us or contact Sam on: ☎ – 0402 493 118 💻 – [email protected] #skandassociates #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #adelaide #adelaideproperty #adelaiderealestate #adelaidebroker #adelaidefinance #southaustraliaproperty #southaustraliarealestate #southaustraliafinance #southaustralialoans #southaustralia
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🚙 What are the most popular cars to buy right now? 🚙 🛻 Ford Ranger remained king of the road in May with 5,912 sales, followed closely by the Toyota HiLux (5,702) and Toyota RAV4 (5,517), according to FCAI statistics. 🚗 Toyota was market leader in May with 23,389 sales, followed by Ford (8,806), Mazda (8,002), Kia (7,504) and Hyundai (6,495). 🔋 Almost one-in-four cars sold in May was either an electric vehicle (8.1% of sales) or hybrid vehicle (15.8%) Itching for a new car but not quite sure how to fund the purchase? Call us today to discuss your vehicle finance options. 👇 To find out more, DM us or contact Sam on: ☎ – 0402 493 118 💻 – [email protected] #skandassociates #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #adelaide #adelaideproperty #adelaiderealestate #adelaidebroker #adelaidefinance #southaustraliaproperty #southaustraliarealestate #southaustraliafinance #southaustralialoans #southaustralia
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🚩 Five red flags home buyers might want to avoid 🚩 Looking to buy a home? 🏡 Here are five red flags that might catch a lender's attention and see you knocked back from your next home loan application. 😤 💻 Job hopping – lenders love stability. Sometimes it's safer to stick with your current job. 💳 Card churning – frequently switching and applying for credit cards can damage your credit score. 🙃 Running late with repayments – this will likely show up on your credit record. 💸 Unpaid debts – no surprise that this won’t go down well with a lender. 📝 Making multiple home loan applications – questions will be asked. Like whether (and why) you’ve been turned down by other banks. Call us for help on getting your next home loan application across the line. 👇 To find out more, DM us or contact Sam on: ☎ – 0402 493 118 💻 – [email protected] #skandassociates #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #adelaide #adelaideproperty #adelaiderealestate #adelaidebroker #adelaidefinance #southaustraliaproperty #southaustraliarealestate #southaustraliafinance #southaustralialoans #southaustralia
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👍 Are you paying a fair price for your new home? 👍 Housing affordability is tough enough as it is right now. 🙃 Who wants to then overpay for a home? 😅 Research is one way to try and figure out if you’re paying market value. 🤓 Websites like Domain and realestate.com.au show median values for individual suburbs - and also have recent sales you can compare against. You can then drill down further by looking at: 🏡 The size of the block 🛁 The number of bedrooms/bathrooms 🏚 The condition of a home 🚗 Extras like off-street parking that add convenience plus value. Talk to us about loan pre-approval too. It shows you’re a serious buyer during price negotiations. 👇 To find out more, DM us or contact Sam on: ☎ – 0402 493 118 💻 – [email protected] #skandassociates #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #adelaide #adelaideproperty #adelaiderealestate #adelaidebroker #adelaidefinance #southaustraliaproperty #southaustraliarealestate #southaustraliafinance #southaustralialoans #southaustralia
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📉 How the cash rate impacts your home loan 📈 Why do RBA rate decisions attract so much attention? 🚨 Because they shape the home loan rates we pay. Think of it this way. 🧐 The cash rate is the interest rate banks pay when they borrow from each other, something they do surprisingly often, sometimes daily. Banks can also borrow funds from the RBA at a little above the cash rate. If a lender has to pay the cash rate to borrow money, it’s a no-brainer they’re going to charge a higher rate to consumers. 🙃 It’s how banks make money. That’s why if the cash rate rises, your variable home loan rate usually rises too. 📈 Like to know if you’re paying a competitive rate? Call us today for a home loan health check. 👇 To find out more, DM us or contact Sam on: ☎ – 0402 493 118 💻 – [email protected] #skandassociates #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #adelaide #adelaideproperty #adelaiderealestate #adelaidebroker #adelaidefinance #southaustraliaproperty #southaustraliarealestate #southaustraliafinance #southaustralialoans #southaustralia
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SHAME DIES WHEN STORIES ARE TOLD IN SAFE SPACES 🙌🏼 Through avoidance and rumination, we often self sabotage our own success. A client reached out via email late one evening, explaining she was embarrassed by her situation, and was hoping to explore whether her pathway forward was even a possibility. I reassured her that shame does not survive in my world, and that I was confident we could achieve her goals, together (and much less painfully than she was anticipating!). We settled on her loan today, and her feedback was a beautiful little glimmer to end a wonderful week on! So grateful that she trusted me when feeling so vulnerable, and immensely proud of her for getting out of her own way. What a legend ✨ SK & Associates Financial Services #financialempowerment #clientsuccess #mortgagebroker #clientjourney
SHAME DIES WHEN STORIES ARE TOLD IN SAFE SPACES 🙌🏼 Through avoidance and rumination, we often self sabotage our own success. A client reached out via email late one evening, explaining she was embarrassed by her situation, and was hoping to explore whether her pathway forward was even a possibility. I reassured her that shame does not survive in my world, and that I was confident we could achieve her goals, together (and much less painfully than she was anticipating!). We settled on her loan today, and her feedback was a beautiful little glimmer to end a wonderful week on! So grateful that she trusted me when feeling so vulnerable, and immensely proud of her for getting out of her own way. What a legend ✨ SK & Associates Financial Services #financialempowerment #clientsuccess #mortgagebroker #clientjourney
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🏡 Know anyone who'd like to buy their first home sooner? 🏡 With national property prices surging almost 9% over the past year (CoreLogic), saving a 20% deposit is like chasing moving goal posts. 🏉 But the federal government's low deposit scheme has now helped over 150,000 first home buyers get a foot into the property market sooner. 😮 Known as the Home Guarantee Scheme, it lets you buy with just a 5% deposit and not pay lenders mortgage insurance. 🤙 It’s already helped 156,000 first home buyers into a place of their own. And it could help you too. 🤜 🤛 But places are limited - and they've just opened up a new allocation of spots for this financial year. Give us a call today to find out if you’re eligible. 👇 To find out more, DM us or contact Sam on: ☎ – 0402 493 118 💻 – [email protected] #skandassociates #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #adelaide #adelaideproperty #adelaiderealestate #adelaidebroker #adelaidefinance #southaustraliaproperty #southaustraliarealestate #southaustraliafinance #southaustralialoans #southaustralia
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