Aspire Financing Pty Ltd

🎄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 @ Aspire Financing

🏡 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 Steph on: ☎️ – 0427 878 951 💻 – steph@aspirefinancing.com.au #aspirefinancing #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #darwin #darwinrealestate #darwinproperty #northernterritory #northernterritoryproperty #northernterritoryreealestate #ntbroker #nt

✅ 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, DM us or contact Steph on: ☎️ – 0427 878 951 💻 – steph@aspirefinancing.com.au #aspirefinancing #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #darwin #darwinrealestate #darwinproperty #northernterritory #northernterritoryproperty #northernterritoryreealestate #ntbroker #nt

🏡 How might rate cuts affect home prices? 🏡⁣ ⁣ Speculation is mounting that the next move for interest rates could be down.⁣ ⁣ But if you're in the market to buy, be warned: this could lead to increased competition and push property prices up. 📈⁣ ⁣ Home prices could jump 0.6% nationally - a rise of about $5,000 - in just the first month following a rate cut, according to a recent Ray White analysis.⁣ ⁣ So, if you’re ready to buy now, why wait? 🤔⁣ ⁣ Today’s market offers more choice than we’ve seen in over three years, according to CoreLogic.⁣ ⁣ Your ideal home could be out there right now: and you might be able to comfortably afford it with your current borrowing capacity.⁣ ⁣ Contact us today to find out your borrowing capacity. 👇⁣ ⁣ To find out more, DM us or contact Steph on: ☎️ – 0427 878 951 💻 – steph@aspirefinancing.com.au #aspirefinancing #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #darwin #darwinrealestate #darwinproperty #northernterritory #northernterritoryproperty #northernterritoryreealestate #ntbroker #nt

😮 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, DM us or contact Steph on: ☎️ – 0427 878 951 💻 – steph@aspirefinancing.com.au #aspirefinancing #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #darwin #darwinrealestate #darwinproperty #northernterritory #northernterritoryproperty #northernterritoryreealestate #ntbroker #nt

🙌 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, DM us or contact Steph on: ☎️ – 0427 878 951 💻 – steph@aspirefinancing.com.au #aspirefinancing #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #darwin #darwinrealestate #darwinproperty #northernterritory #northernterritoryproperty #northernterritoryreealestate #ntbroker #nt

🚜 Does your business need to buy equipment? 🚜⁣ ⁣ If so, great news! The $20,000 instant asset write-off is in the process of being extended until 30 June 2025.*⁣ ⁣ This means a small business could immediately deduct the full cost of eligible assets valued under $20,000 when they start using them for business purposes between now and 30 June 2025.⁣ ⁣ Better yet, the $20,000 threshold applies on a per asset basis, so small businesses can instantly write off multiple assets. 👍⁣ ⁣ Lawn mowers, coffee machines, IT hardware, office and shop furniture, air conditioners, and forklifts are just some examples of assets you could purchase for your business.⁣ ⁣ Plenty of small businesses are taking advantage of the deadline extension. Several of Australia’s biggest banks report increases of up to 15% for lending for new equipment.⁣ ⁣ If you need help purchasing the asset with business-friendly finance, get in touch today to discuss your options. 👇⁣ ⁣ To find out more, DM us or contact Steph on: ☎️ – 0427 878 951 💻 – steph@aspirefinancing.com.au #aspirefinancing #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #darwin #darwinrealestate #darwinproperty #northernterritory #northernterritoryproperty #northernterritoryreealestate #ntbroker #nt ⁣ * This extension is not officially law yet. But the Bill is before parliament and information is on the ATO website.

💪 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, DM us or contact Steph on: ☎️ – 0427 878 951 💻 – steph@aspirefinancing.com.au #aspirefinancing #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #darwin #darwinrealestate #darwinproperty #northernterritory #northernterritoryproperty #northernterritoryreealestate #ntbroker #nt

🙌 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 Steph on: ☎️ – 0427 878 951 💻 – steph@aspirefinancing.com.au #aspirefinancing #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #darwin #darwinrealestate #darwinproperty #northernterritory #northernterritoryproperty #northernterritoryreealestate #ntbroker #nt

🏠 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 Steph on: ☎️ – 0427 878 951 💻 – steph@aspirefinancing.com.au #aspirefinancing #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #darwin #darwinrealestate #darwinproperty #northernterritory #northernterritoryproperty #northernterritoryreealestate #ntbroker #nt