BIG Financial

🎄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 @ Big Financial

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. 🙌

💪 First home owners rewarded with capital gains 💪⁣ ⁣ If you’ve purchased a first home recently, you could already be ahead in the capital growth stakes.⁣ ⁣ First home buyers often target the more affordable end of the market.⁣ ⁣ And CoreLogic says the cheapest 25% of the market saw price growth of 2.7% in the 3-month period to August. 📈⁣ ⁣ By comparison, the top 25% saw gains of just 0.3%.⁣ ⁣ It goes to show that the sacrifices of saving for a first home can be well rewarded.⁣ ⁣ Talk to us today about loan options that can get you started in the market. 👇⁣ ⁣ To find out more, DM us or contact Big Financial on: ☎️ – 1300 865 930 💻 – info@bigfinancial.com.au #bigfinancial #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #sydney #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker #nsw

🏡 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 Big Financial on: ☎️ – 1300 865 930 💻 – info@bigfinancial.com.au #bigfinancial #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #sydney #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker #nsw

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. 🏡

✅ 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 Big Financial on: ☎️ – 1300 865 930 💻 – info@bigfinancial.com.au #bigfinancial #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #sydney #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker #nsw

🏡 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 Big Financial on: ☎️ – 1300 865 930 💻 – info@bigfinancial.com.au #bigfinancial #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #sydney #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker #nsw

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? 🏖

😮 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 Big Financial on: ☎️ – 1300 865 930 💻 – info@bigfinancial.com.au #bigfinancial #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #sydney #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker #nsw

🙌 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 Big Financial on: ☎️ – 1300 865 930 💻 – info@bigfinancial.com.au #bigfinancial #brokersworkforyou #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #sydney #sydneyrealestate #sydneyproperty #newsouthwales #newsouthwalesproperty #newsouthwalesrealestate #newsouthwalesbroker #nsw