Mark from Rapsam Home Loans

🔥 Affordable reno ideas to help keep your home cosy 🔥⁣
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Below are 3 simple ideas that could help keep your home snug and reduce winter power bills. ⛄️⁣
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🚪 Keep the cold out: up to 25% of winter heat loss can come from draughts. Fix gaps that are letting cold air in with door drafts and caulking.⁣
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⚡️ Rethink home heating: reverse cycle air-conditioners are the most energy-efficient heater (and cooler), according to the federal government.⁣
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🏠 Insulate: one-third of a home's warmth can be lost through the roof. Insulating your roof cavity can save you on heating and cooling over the long term. ⁣
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If you're planning a reno ahead of this winter but don't have a way to fund it, get in touch today and we'll help you explore your options. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

The votes have been cast and it’s clear Labor will hold the reins of federal government for another 3-year term. We look at what this may mean for first home buyers and current home owners. 🏡⁣

Albo re-elected: what’s on the board for home buyers and owners? - RAPSAM Home Loans The votes have been cast and it’s clear Labor will hold the reins of federal government for another 3-year term. We look at what this may mean for first home buyers and current home owners.

🏘️ Could rentvesting be a good fit for you? 🏘️⁣
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Did you know around one in twelve (8%) Australians are rentvesters, according to CoreLogic.⁣
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That's people who own an investment property while renting another place to live in.⁣
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Rentvesting can let you buy in a more affordable suburb. 🏡⁣
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You can then earn rental income plus possible tax savings from negative gearing.⁣
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And you can use the equity in your investment property to buy a home later on.⁣
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The key is to be sure you can manage the cashflow of renting – and owning a rental.⁣
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We can help you crunch the numbers to see if rentvesting might work for you. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

🏡 Heard of the First Home Super Saver scheme? 🏡⁣
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The FHSS scheme lets you grow a deposit through voluntary contributions to super.⁣
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The contributions and returns are taxed less compared to most income tax brackets.⁣
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That means more money could go towards building a house deposit. 🏠⁣
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The most you can withdraw is $50,000 (plus earnings).⁣
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But a couple pooling their savings could potentially access $100,000 (plus earnings) to buy a home.⁣
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The scheme may not provide all your deposit needs, but it’s another option to consider that could help you save faster.⁣
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Talk to us today to find out more. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

There’s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the balance much sooner. We bust that myth and reveal the real secret to harnessing the power of your offset account. 💪⁣

Myth buster: do weekly repayments pay off an offset loan faster? - RAPSAM Home Loans There’s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the balance much sooner. We bust that myth and reveal the real secret to harnessing the power of your offset account.

🏡 Could an offset account help you save on interest? 🏡⁣
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More than half of Australians with a mortgage are now using an offset account to help them save on interest on their home loan, according to Mozo.⁣
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As the balance of an offset account is deducted from your home loan when monthly interest charges are calculated, every dollar can help you save.⁣
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Better still, loan interest is usually calculated daily. 🙌⁣
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This means you can use your offset account just like a regular transaction account - and most lenders even let you attach a debit card to it.⁣
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If you'd like to find out more about offset accounts and whether you can attach one to your home loan, get in touch today. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

🏡 Explainer: Fixed vs variable rate home loans 🏡⁣⁣
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Rates are tipped to head lower in 2025, meaning sticking with a variable loan rate might seem like a no-brainer.⁣⁣
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But not so fast. 🛑⁣⁣
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Locking in could mean paying a lower interest rate right now, instead of waiting for the RBA to cut the cash rate further (and there's no certainty of that). ⁣⁣
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Some lenders are offering fixed rates below their variable interest rates.⁣⁣
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The catch? 🎣⁣⁣
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Fixed loans can be less flexible and don't move if the RBA cuts the cash rate again.⁣⁣
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There is one possible solution, however.⁣⁣
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You may be able to split your loan between fixed and variable rates and take advantage of the benefits of both. 👍⁣⁣
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Talk to us to find out how. 👇⁣⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

Tariff-triggered cuts to interest rates could be just around the corner, with Australian borrowers the likely winners if they come to fruition. 🏡⁣

Could US tariffs be good news for Aussie home owners? - RAPSAM Home Loans Tariff-triggered cuts to interest rates could be just around the corner, with Australian borrowers the likely winners if they come to fruition.

⏳ Timing the market vs Time in the market ⌛️ ⁣
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'Wait for prices to come down': it’s a nugget of wisdom often doled out to first home buyers. 🤔⁣
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But following that mantra is one of the main regrets reported by one in five Aussie homeowners, according to Compare the Market.⁣
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History tells us that home prices have increased more than they've dropped. Which can make timing the market quite difficult. 😅⁣
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Additionally, a potential further drop in interest rates this year is expected to push home prices higher, says CoreLogic.⁣
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So when is the ‘right’ time to buy?⁣
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The short answer is: when you’re ready to do so. After all, you never know when the next property boom might be. 🏡⁣
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But spending time in the market means you can take advantage of any property booms to come. Not trying to get in just as they're taking off.⁣
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Get in touch to find out if you're home loan ready today. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

😭 How to avoid common home buying regrets 😭⁣
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From scrimping on inspections to buying in a poor location, new research from Compare the Market has found the key buyer regrets are:⁣
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🏚 32% of people regretted not looking hard enough for faults.⁣
🛏 29% of buyers sacrificed on the number of rooms.⁣
⚠️ 28% believed they bought in a dud location.⁣
💸 26% bought above their budget.⁣
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One possible way to help overcome these regrets is to know your buying budget in advance.⁣
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Talk to us today for a clear picture of your borrowing power. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

Australians will head to the polls on May 3, and with housing affordability shaping up as a key election issue, we unpack how the two major parties are pledging to help first home buyers. 🏡⁣

Election 2025: what’s on offer for first home buyers? - RAPSAM Home Loans Australians will head to the polls on May 3, and with housing affordability shaping up as a key election issue, we unpack how the two major parties are pledging to help first home buyers.

🏡 How much can you knock off a home’s asking price? 🏡⁣
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When you're in a buyer's market, the listed price of a property is just the beginning.⁣
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Nationally, the median seller discount was 3.6% below the original asking price in December, according to CoreLogic.⁣
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It may not sound like much. ⁣
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But it could see you save tens of thousands of dollars if the home costs around the $1 million mark.⁣
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What can you do to help give yourself a buyer's edge? 🤔⁣
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Having your home loan pre-approved can potentially put you in the driver’s seat for price negotiations.⁣
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It could let sellers know you’re a serious buyer with finance ready to go - and they might not want to risk losing you to another vendor.⁣
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Call us today about a pre-approved home loan. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]