Bella Casa Finance

🏡 Struggling to buy your first home? 🏡⁣ ⁣ Did you know 1-in-3 first home buyers get government support to buy their first home? (Housing Australia stats).⁣ ⁣ They're supported by the federal government’s Home Guarantee Scheme (HGS) - which allows first home buyers to purchase a home with just a 5% deposit and not pay lenders mortgage insurance (LMI).⁣ ⁣ Last financial year, the scheme helped more than 40,000 first home owners enjoy a place of their own.⁣ ⁣ Contact us today to find out if you’re eligible for the scheme to get started with a 5% deposit. 👇⁣ ⁣ To find out more, DM or contact the Bella Casa Finance team on: ☎️ – (07) 2802 5450 💻 – hello@bellacasafinance.com.au #bellacasafinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate

💪 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 or contact the Bella Casa Finance team on: ☎️ – (07) 2802 5450 💻 – hello@bellacasafinance.com.au #bellacasafinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate

🎉 Happy New Year! 🎉⁣⁣ ⁣⁣⁣⁣ Whatever your goals, plans, or resolutions for 2025, we’re here to support and cheer you on as you smash them! 🙌⁣⁣⁣ ⁣⁣⁣ If there’s anything we can do to help you out along the way, don’t hesitate to reach out. 😃⁣⁣ ⁣⁣⁣ Here’s to an amazing 2025!⁣⁣⁣⁣ ⁣⁣⁣⁣ From the team @ Bella Casa Finance

🤔 What’s your New Year’s resolution for 2025? 🤔⁣⁣ ⁣⁣ Here are some financial resolution ideas to help get you started:⁣⁣ ⁣ ✅ Contact us for a home loan health check⁣⁣ ❌ Cut back on unnecessary expenses⁣ 💰 Build up a savings fund to perhaps invest in property, shares or ETFs⁣ 💳 Tackle any lingering credit card debt⁣ ⁣⁣ Whatever you decide, we're wishing you a successful, prosperous, and enjoyable 2025! 🥳⁣⁣⁣⁣ ⁣⁣⁣ To find out more, DM or contact the Bella Casa Finance team on: ☎️ – (07) 2802 5450 💻 – hello@bellacasafinance.com.au #bellacasafinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate

🎅🏽 Ho, ho, ho! Merry Christmas! 🎅🏽 ⁣ ⁣ Wishing you and your loved ones a wonderful day full of joy, love, and laughter. May this holiday season bring you warmth and happiness! 🎄✨⁣ ⁣⁣ From the team @ Bella Casa 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 @ Bella Casa Finance

💪 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 or contact the Bella Casa Finance team on: ☎️ – (07) 2802 5450 💻 – hello@bellacasafinance.com.au #bellacasafinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate

🏡 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 or contact the Bella Casa Finance team on: ☎️ – (07) 2802 5450 💻 – hello@bellacasafinance.com.au #bellacasafinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate

🏡 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 or contact the Bella Casa Finance team on: ☎️ – (07) 2802 5450 💻 – hello@bellacasafinance.com.au #bellacasafinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate

😮 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 or contact the Bella Casa Finance team on: ☎️ – (07) 2802 5450 💻 – hello@bellacasafinance.com.au #bellacasafinance #brokersworkforyou #localmortgagebroker #homeowner #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #brisbane #brisbaneproperty #brisbanerealestate #brisbanemortgagebroker #brisbanefinance #brisbanebroker #brisbaneloans #brisbanelocal #qld #qldbroker #qldproperty #qldrealestate