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🚨 Yes, it's possible 👇🏼 ㅤ Struggling to

🚨 Yes, it's possible 👇🏼
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Struggling to gather that elusive home loan deposit?
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We get it. It's a tough grind, especially when interest rates rise and the target keeps shifting. BUT, we've got some good news 🎉
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At Pinpoint Finance, we've got a host of lenders who accept a 5% deposit and could help you secure grants for first-home buyers.
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Saving a bigger deposit yields a lower 'Loan-to-Valuation Ratio' (LVR), which means lower interest and repayments in the long run.
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It does, however, have what's called LMI Insurance added to it... but don't let that scare you! Sure, it's an extra cost, but it's often bundled into your loan, not upfront, and gets you into the property market sooner. So, you can still achieve your dream of owning your home now! 🏠
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Just don't forget that the 5% deposit isn't all the costs involved when purchasing a home!! You will also need to factor in extra costs like legal fees, stamp duty, and moving expenses. But there are options to make it easier - from buying the property with someone else to securing a loan or even taking advantage of grants and schemes!
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Looking for help navigating the path to property ownership? We're here to guide you every step of the way. Book a call today to get started. 📲
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#mortgagebrokeraustralia #newhome #firsthomebuyer #grants #mortgagebroker #homebuying #homepurchase

but your borrowing capacity is no more than $500K.

but your borrowing capacity is no more than $500K...
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#dreaming #buyingahome #mortgagebroker #buyingadreamhome #mortgagebrokeraustralia #dreams

Have you ever dreamed about having a place to call

Have you ever dreamed about having a place to call your own? Well, guess what? That dream could become your reality! Yes, you heard it right, YOU! Don't let the banks dictate your options; turn to a mortgage broker instead.
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There's a whole world of possibilities out there that banks often won't even dare to mention. From grants to special schemes, there are numerous ways to make homeownership a possibility.
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Tired of renting or feeling like you're stuck in someone else's space? Get in touch with us! Let's explore together what we can do to make your dream of owning a home a reality.
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#dreamhome #mortgagebrokeraustralia #homeownershipdreams #breakfreefromrenting #grantopportunities #homeownershipjourney #mortgagebroker

Okay, I'm just going to cut to the chase. HECS...

Okay, I'm just going to cut to the chase. HECS... many of us have it, which is so fair and was a great necessity at the time. But are you like many of our clients who haven't yet had a chance to pay it off?
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If so, that's okay, too! You can still buy a home with HECS debt! However, the downside to having HECS debt is that it will dramatically lower your borrowing capacity to purchase a home as it is based on your income, not so much on the amount of HECS debt...
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So, in saying that, we'd love to help you be able to buy your home ASAP. Reach out to us today to see how we can help you ou!
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#NavigatingHECS #HomeOwnershipWithHECS #homeownership #HECSandHomeBuying #MaximisingBorrowingCapacity #HECSHomeOwnership #mortgagebrokeraustralia

The only caption we need is that if you don't laug

The only caption we need is that if you don't laugh, you'll cry.
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But then again, I also like to add value, so long story short, over time, the prices of everything have gone up (as I'm sure we all know by now). Living expenses alone have shot through the roof, let alone rent or trying to buy somewhere...
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So let's dream-like we dreamed when we were little, but a little realism never hurt, haha.
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#livingcosts #pricehikes #homes #1milliondollarhomes #mortgagebroker #mortgagebrokeraustralia #inflation

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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).