Xperion Finance

🎄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 @ Xperion Finance

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. 🙌

🚜 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 Xperion Finance on: ☎️ – 07 3608 4174 💻 – finance@xperion.com.au #xperionfinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate ⁣ * 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 Xperion Finance on: ☎️ – 07 3608 4174 💻 – finance@xperion.com.au #xperionfinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate

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. 🏡

🙌 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 Xperion Finance on: ☎️ – 07 3608 4174 💻 – finance@xperion.com.au #xperionfinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate

🏠 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 Xperion Finance on: ☎️ – 07 3608 4174 💻 – finance@xperion.com.au #xperionfinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate

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? 🏖

🙌 4 ways to save up a deposit sooner 🙌⁣ ⁣ It takes 5.6 years on average to save a 20% deposit, according to recent PropTrack data.⁣ ⁣ But why wait that long if you don't need to? Here are 4 ways you could save up a deposit sooner.⁣ ⁣ ✅ Pay LMI: some lenders accept a 5% deposit if you pay lenders mortgage insurance (LMI).⁣ ✅ Get a guarantor: can a close relative guarantee your loan? It could let you buy with a 5% deposit and no LMI.⁣ ✅ The First Home Guarantee scheme: the government guarantees your loan, so you can buy with a 5% deposit and zero LMI.⁣ ✅ Use your super account: fast-track your savings by making use of the First Home Super Saver Scheme.⁣ ⁣ Call us to know which pathway could work for you. 👇⁣ ⁣ To find out more, DM us or contact Xperion Finance on: ☎️ – 07 3608 4174 💻 – finance@xperion.com.au #xperionfinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate

🤔 What’s the deal with negative gearing? 🤔⁣ ⁣ Negative gearing was back in the headlines again recently but what’s it all about?⁣ ⁣ ‘Gearing’ simply means borrowing to invest. 🏡⁣ ⁣ ‘Negative gearing’ is where the costs of owning the property, such as loan interest, council rates, insurance and so on, exceed the rental income the property generates.⁣ ⁣ The investor then claims a loss on the property via their tax return (even though the property’s value, aka capital gains, might have increased during that period).⁣ ⁣ The advantage of negative gearing is that this loss can be offset against other income including your regular wage or salary. ⁣ ⁣ The end result is the potential to save on your annual tax bill. 📉⁣ ⁣ Interested in finding out more about buying an investment property?⁣ ⁣ Talk to us about an investment loan to help get you started. 👇⁣ ⁣ To find out more, DM us or contact Xperion Finance on: ☎️ – 07 3608 4174 💻 – finance@xperion.com.au #xperionfinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate