Lomonti Finance

Applying for a home loan - whether it's your first or fourth - is all about creating the right impression. Not only do lenders want to make sure you're willing and able to pay them back, and that you're making an astute investment (after all, it'll become their property if things go south!), but they also need to do their due diligence to stay on the good side of the regulator. To put your best foot forward, you want to make sure you're managing your accounts in a way that screams 'responsible'. It's about forming money habits that show you're in charge. Send us a DM to kick things off. https://bit.ly/3uYqMkZ +61 487 360 230 https://lnkd.in/g5wkQ__z #lomonti #locationmoneytime #mortgagebroker #homeloans #qld #sunshinecoast #brisbane #goldcoast

Make 2025 the year you get your finances in order 💪🏼💰 Being in control of your money will open you up to more opportunities to: – Reach your savings goals – Buy your ideal home – Invest in property What big goals are you planning to achieve this year? https://bit.ly/3uYqMkZ +61 487 360 230 https://lnkd.in/g5wkQ__z #lomonti #locationmoneytime #mortgagebroker #homeloans #qld #sunshinecoast #brisbane #goldcoast

Is your home loan with an ethical lender? There's no official definition on what constitutes an 'ethical lender', but as a rule it means a lender that doesn't invest in certain industries that may damage the environment or negatively impact people. Get in touch to find out your options when it comes to securing a competitive home loan that aligns with your values. https://bit.ly/3uYqMkZ +61 487 360 230 https://lnkd.in/g5wkQ__z #lomonti #locationmoneytime #mortgagebroker #homeloans #qld #sunshinecoast #brisbane #goldcoast

Most home loans go through a mortgage broker these days, but if you haven't used a good one before you may wonder what the fuss is about. Think a mortgage broker just helps you find a loan? Here’s what we really do: - Compare hundreds of options against your property strategy - Handle the paperwork so you don’t have to - Explain confusing terms and hidden costs - Advocate for you with the banks We make the home loan process simple, stress free, and tailored to your unique needs. Tell us, if you haven't used a broker yet, what's stopping you? https://bit.ly/3uYqMkZ +61 487 360 230 https://lnkd.in/g5wkQ__z #lomonti #locationmoneytime #mortgagebroker #homeloans #qld #sunshinecoast #brisbane #goldcoast

Why choose a mortgage broker over going direct to the bank? It's simple. We compare dozens of lenders, negotiate better rates, and make the whole process easy. 5 reasons why you can bank on a broker: – We save you time – We simplify the process – We work for you, not the bank – We are up-to-date with what's on offer – We compare a large range of lenders for you Plus, we work for you – not the bank. Let’s make sure you get a home loan that works in your best interests, without the hassle. https://bit.ly/3uYqMkZ +61 487 360 230 https://lnkd.in/g5wkQ__z #lomonti #locationmoneytime #mortgagebroker #homeloans #qld #sunshinecoast #brisbane #goldcoast

Home loan delinquencies – where borrowers fall behind on their repayments – are set to exceed pandemic levels. We know times are tough, and so it's not all that surprising that more people are struggling to keep up with their mortgages. It's been driven by relatively high interest rates and persistent inflation, placing particular pressure on self-employed people, low-income households and those who are at the upper limits of their borrowing capacity. If your home loan is feeling like a burden, reach out to us and we can explore whether repricing or refinancing your loan could ease the pressure. https://bit.ly/3uYqMkZ +61 487 360 230 https://lnkd.in/g5wkQ__z #lomonti #locationmoneytime #mortgagebroker #homeloans #qld #sunshinecoast #brisbane #goldcoast

If 2024 is your year to buy (and there's still time!), here’s what you need to keep in mind: - Interest rates are higher than a few years ago, but there are still great deals out there. - Government incentives are available, especially for first-time buyers. - Pre-approvals are key to being competitive in negotiations with the seller. Don’t put it off – let’s get you ready to buy this year. DM us today to get started! https://lomonti.au +61 487 360 230 https://lnkd.in/g5wkQ__z #lomonti #locationmoneytime #mortgagebroker #homeloans #qld #sunshinecoast #brisbane #goldcoast

Wishing you a happy New Year 🥳 Here's to a healthy, prosperous, and bright 2025 🥂

The Loan to Value Ratio is how much you're borrowing compared to the value of the property (and accounting for all fees and taxes). An LVR of 80%, for instance, means you have a 20% deposit to contribute to the purchase once you've paid Stamp Duty and other costs.⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Any questions on home loan jargon? Send us a DM https://lomonti.au +61 487 360 230 https://lnkd.in/g5wkQ__z #lomonti #locationmoneytime #mortgagebroker #homeloans #qld #sunshinecoast #brisbane #goldcoast

The short answer is YES! You don’t necessarily need a massive deposit to secure a home loan. With government incentives, lenders mortgage insurance (LMI), and even LMI waivers for certain professions, you can often get your foot in the door with as little as a 5% deposit. Want to know more about how this might apply to you? Let’s chat! DM us to start the conversation. https://lomonti.au +61 487 360 230 https://lnkd.in/g5wkQ__z #lomonti #locationmoneytime #mortgagebroker #homeloans #qld #sunshinecoast #brisbane #goldcoast