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Even if you don't owe anything on it and you pay o

Even if you don't owe anything on it and you pay off your credit card each time you spend money on it.
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Even if you only use it for groceries, and the minute you get home, you transfer the owed amount... 🍎
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... the bank still considers your credit card a LIABILITY when you are about to buy a house.
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And, the higher the limit, the more of a liability it is.
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Here's an example of just how much impact a credit card can have. Imagine you have a $10,000 credit card limit; it can reduce your borrowing capacity by 5-6 times, soooo it's very possible it could be limited by $50,000!! 😅 How crazy is that!
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Is this something that would make you to get a lower credit card or remove it entirely? 💳
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#borrowingcapacity #creditcards #creditcarddebt #financialliability #homeownership #debt #mortgagebrokeraustralia #creditcardhelp

The banks can be a little deceptive - believe it o

The banks can be a little deceptive - believe it or not, a 20% deposit isn't always necessary! It's entirely possible to get a home loan with as little as 5% deposit! Yes, you'll incur expenses like LMI, but if it means stepping into the market sooner (with LMI rolled into the loan), why wait?
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Not to mention, there are options like using a guarantor or exploring the various schemes that are available that can aid you in your home-buying journey (provided you qualify for them of course)!
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#homebuyingtips #lowdepositloans #mortgagebrokeraustralia #mortgagemythbusted #homeownershipdreams #financialfreedom

Yes, you heard it right! You do NOT need to cut yo

Yes, you heard it right! You do NOT need to cut your daily latte to be able to buy a house ☕
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If anyone tells you otherwise... RUN!
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Using our easy-to-use budget, we have helped hundreds of Australian families buy their first or next home without cutting out everything they enjoy.
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Click the link in our bio to get your copy today.
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#buyingahouse #mortgagebrokeraustralia #budget #spendinghabits #mortgagebrokeralbruy #mortgagebrokermelbourne #househunting

Are you teaching your children financial literacy?

Are you teaching your children financial literacy? 💰
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I watched a reel the other day about a mother who gives her children $6 per week.
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With the $6, certain amounts go to each area, such as rent, electricity, and extra bills. She wants to ensure her children learn about financial literacy. I thought this was a brilliant idea!
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Do you think it's important that we teach children about money from an early age?
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#financialliteracy #teachingkidsfinance #financialliteracyforkids #financialeducation #mortgagebroker #mortgagebrokeraustralia #moneymanagement #moneylessons

Ahh, did you finally get into the 6-digit bracket,

Ahh, did you finally get into the 6-digit bracket, only to find it isn't really helping that much? 🫠
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It turns out that, with the constant rise in the cost of living, $100k a year isn't really all that it's cracked up to be.
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#CostOfLivingStruggle #mortgagebroker #income #mortgagebrokeraustralia #MiddleClassSqueeze #FinancialFrustrations #BudgetingChallenges #IncomeStruggles

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© Copyright Pinpoint Finance 2014-2024. Edwena Dixon is a Credit Representative, No.443473 of Mortgage Specialists Pty Ltd ACN 050 601 093 (Australian Credit Licence No.387025).