The First Home Buyers Program

This is such a common question and I get it... you want to know once we hit the submit button, how long before the bank gives us the green light. There is actually a whole lot more involved behind the scenes when it comes to time frames, and here's why.... To find out what lender and timeframe would suit you, contact us at 360 Mortgage Solutions www.360mortgagesolutions.com.au For a fee free meeti...

Recently I have been talking to a lot of First Home Buyers about rent vesting, this is when they purchase a property to rent out while still living at home with Mum and Dad or renting elsewhere. In this video I go through the pros and cons and what to be mindful of... For a fee free meeting book here - Maryanne - https://calendly.com/360mortgagesolutions Tara - https://calendly.com/tara-360mortgag...

Knowing your loan term can make a huge difference in how much interest you pay, it may not seem like much but 5 years worth of interest on a $500k home loan at an interest rate of 5% is $125k so if you don't pay attention to your loan term, it can cost you almost more than a 'bit of interest' In this episode I take you through what you need to be mindful of both for existing home owners and first...

Alot of people know this hack - the good ol 'use your credit card to save money on your home loan' but in this episode I take you through how it works and most importanatly, how to avoid it costing you more. If you want to know more about 360 Mortgage solutions check us out here - https://360mortgagesolutions.com.au/ If you want to know more about the First Home Buyers Program, check it out here -...

It's really common for clients to forget some debts when apply for a home loan but it can have an adverse effect on your applicaiton if you do. One of the most common missed debts I see is BNPY (By now pay later) for example Zip pay or After pay... you can book a free online meeting here - https://calendly.com/360mortgagesolutions/video-conference

I am always talking about fully assessed pre-approval and the reason is, they can save so much stress and worry when you are buying your first home. To book a fee free meeting with 360 Mortgage Solutions head to - https://calendly.com/360mortgagesolutions https://calendly.com/tara-360mortgagesolutions/30min?month=2023-06 To check out The First Home Buyers Program head to - https://courses.360mortg...

There are alot of things that 'need to be done' when you are purchasing a proeprty and some of the things I ask clients to do leaves them wondering why? In this episode I take you through a really common request, the cirtificate of insurance and more specifically, the interested party portion. If you want to know more about the First Home Buyers Program head to - https://courses.360mortgagesolutio...

Going into debt can be a daunting thing and one of the main things as a Mortgage Broker I have to (and want to) do is ensure my clients can afford their home now, and into the future. This is why, looking into your protection is a super important aspect of taking out your new loan.

I get asked a lot by clients and potential clients what my charge is, in this video I take you through how I get paid as a Mortgage Broker and how I look at what is most important to my clients and their long term plans - rather than trying to 'fit them' into a policy or product.

I often find First Home Buyers think bidding at an auction means, if you are the highest bidder, you can then put a contract on the property for that amount subject to building and pest and finance. This is not the case and prior to going to Auction, you should be chatting with your Broker to make sure you have covered yourself and any bids you may make.

I often get asked by clients when they sign a contract sale how the deposit works, the main concern is that they will be paying their and never get it back. This week I take you through how the deposit works and when you will get it back. If you want to hit the ground running on your first home, make sure you check out the online programe - https://courses.360mortgagesolutions.com.au/tfhbp/

It's not a common way to buyyour first home and it's not fore everyone but it is a great option if you have a friend who wants to get into the market as well and together you have enough deposit... To make a fee free appointment head to https://calendly.com/360mortgagesolutions

There is a way, whilst I always encourage a home buyer to have some savings to cover extra costs family gurantaee is an option that can help you get into your #firsthome without having a depoisit. To see if this is an option for you, you can book a free Zoom here - https://calendly.com/360mortgagesolutions

Its such a common question, when I buy a home, does the stamp duty and other costs come from my deposit or the loan amount? The answer to this question is complex, becuase you are asking the wring question... To grab a link to The First Home Buyers Info Night email maryanne@360mortgagesolutions.com.au

You know the saying, from little things big things grow? This week I take a look at one small change you can make to your weekly eating habits to help pur an extra $1560 in your savings account.... If you want a free copy of the budget template grab it here - To get a free copy of my budgeting template go here - Download

Who are we kidding, as first home buyers you have tons of questions, but there are some common ones we see and in this episode I talk through the two most common I have had of late... What amount should I set the pre-approval limit to? How long does a pre-approval take? Got a question? send it through to maryanne@360mortgagesolutions.com.au and I will answer it in the next episode.

Lenders Mortgage Insurance is, at times, a necessary evil. In this video I take you through what it is and more importantly, how you can avoid paying it... saving yourself thousands of dollars https://youtu.be/arRNzNryK6I

If you want to learn more from Jackie Matjasec The Simple Budget https://thesimplebudget.com.au/ 0435 120 902 jackie.thesimplebudget@gmail.com

There is a lot of talk around living expenses and how to declare them to the bank or lender and in this video I talk you through why the banks have living expenses (spoiler alert, it's to protect you) and what you should do if your living expenses are a little high and you are worried about it. To get a free budget template go here - http://eepurl.com/cDcltf

The most common thing I hear from First Home Buyers is, 'I don't know where to start' so to start the year off with a bang, I have organised industry experts to come along to an informal information session to share their top tips for First Home buyers and answer all your questions. To find out more head to - https://www.eventbrite.com.au/e/first-home-buyers-seminar-tickets-499082096987 If you're...

I know Christmas is a crazy time of year and sometimes your budget can get away from you but if I have one piece of advice for First Home Buyers at this time it is to check your spending. Use the downtime to look over your spending habits suring 2022 and make some changes that your future self will thank you for. If you want some more help to smash your financial goals in 2023 then check out my on...

There have been some changes to banks and how they issue loan documents, check out this week's episode to hear how the changes are working for the better

This week we look at settlement day and the top three things you need to know to make sure your settlement day is as stress free as possible. If you want more help with your deposit or getting into the market make sure you check out The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/ If you want to bypass the pre learning and speak to me about your individual situati...

Working in the industry there are often common mistakes I see First Home Buyer's make that can sometime mean they are costing themselves more money or more time out of the market. So what is the most common mistake, check it out in this weeks episode. Want to get the free - Three most common (and costly) mistakes First Home Buyers make? download it here https://mailchi.mp/1dfc0c01299f/top-3-mistak...

For a lot of people, a credit card is a normal, everyday part of life but what so many people don’t know (and what the banks don’t want you to know) is using your credit card can at times put you further and further behind financially, and, it could also be impacting your borrowing power! Check out this weeks video where I take you through what you need to know if you have a credit card (or before...