One Green Tree Finance

Rentvesting is where you rent the property of your lifestyle dreams, while buying the property of your fiscal reality. It's not a bad way to get into the market, because it means you get to lock in today’s prices. Tell us, have you ever thought about rentvesting? #OneGreenTreeFinance #ethicallending #ethicalfinance #greenloans #greenhomes #values #CentralCoast

Merry Christmas 🎅🎄 Wishing all our wonderful clients a Merry Christmas - we hope Santa is generous and that you enjoy some quality time with your favourite friends and family 🎁

"The best way to predict the future is to create it" Great reminder to put the work in now to create your ideal life and work! #OneGreenTreeFinance #ethicallending #ethicalfinance #greenloans #greenhomes #values #CentralCoast

If you're thinking about investing in property, you may have come across the term 'cross-collateralisation'. What it means is that you use more than one property as security for your mortgage, instead of the usual one property (i.e. the property that you're buying). What this could look like, as an example, is if you owned your $1M home outright (congratulations!) and you wanted to buy a $500k investment property, but didn't have the 20% cash deposit, you could offer your $1M home as security. This would mean you'd be borrowing $500k and that this loan would be secured against two properties worth $1.5M in total, meaning you wouldn't need to pay lenders mortgage insurance. Like anything, there are pros and cons to this approach. Get in touch for help understanding the risks and how to optimise your lending products. #OneGreenTreeFinance #ethicallending #ethicalfinance #greenloans #greenhomes #values #CentralCoast

Did you know that getting a better deal on your existing home loan doesn't always mean switching lenders. Sometimes, it's simply a matter of us negotiating a better offer with your existing bank – otherwise known as repricing. The lender won't always agree to the terms we request, but it's absolutely worth having the conversation. The market is so competitive and your bank will do their utmost to retain you as a customer. Get in touch to find out whether repricing could be right for you. #OneGreenTreeFinance #ethicallending #ethicalfinance #greenloans #greenhomes #values #CentralCoast

It's possible to clear your bad debt (credit cards and personal loans), so you'll have a better shot at being approved for good debt (home loans). Whether you're buying your first or fifth property, or perhaps you want to refinance, getting your money in order is the first step. #OneGreenTreeFinance #ethicallending #ethicalfinance #greenloans #greenhomes #values #CentralCoast

Planning to buy property in 2025? Whether it's your first home, or you're a seasoned investor, choosing the 'right' property has its challenges. Here are five aspects to consider: - Condition: Will the property need expensive repairs soon? - Regulations: Are there planning restrictions or caveats in place? - Transport: Is there quality public transport in the area? - Development: Are there any large scale developments underway? - Amenities: Is the area suited to your lifestyle needs? #OneGreenTreeFinance #ethicallending #ethicalfinance #greenloans #greenhomes #values #CentralCoast

We love this quote. It's a good reminder that there are some things none of us can change. Facts of life we've just got to accept. We then shift our focus back to what we can change. Not happy with something? Change it. Don't like the deal you're getting on your loan? We'll help you get one you're happy with. #OneGreenTreeFinance #ethicallending #ethicalfinance #greenloans #greenhomes #values #CentralCoast

You may have heard of the very ominous sounding 'mortgage prison'. It's a term that emerged late last year to describe the precarious situation some people may find themselves in where they're unable to refinance their home loan to a more competitive solution. This could be due to the value of their property falling so that their loan to value ratio is too high to secure a refinance. Or perhaps they'd no longer qualify for the home loan in today's climate given interest rates have increased so much, which has reduced borrowing capacity across the board. It could also be that their credit score has dropped after one too many late home loan repayments. Whatever the case, before you apply to refinance your home loan, come speak with us to find out which lender you're likely to qualify with. This will protect your credit score, save you time, and ensure you're not pursuing a refinance option that may not serve your best interests. #OneGreenTreeFinance #ethicallending #ethicalfinance #greenloans #greenhomes #values #CentralCoast

If you've been planning renovations or a new build then you'll know that construction costs have been creeping up, and it can be very difficult to source the right builder at the right time. Rising costs and other construction challenges will encourage people to buy property that's ready to move in to – bumping up competition for homes that are already renovated. Whether you want to gain an edge at auction, or you're looking to draw from your equity to fund renovations, we can help you understand your options. #OneGreenTreeFinance #ethicallending #ethicalfinance #greenloans #greenhomes #values #CentralCoast