Finsync Financial

Thank you for the wonderful feedback, Ben! We truly appreciate your continued support and loyalty!

⭐️⭐️⭐️⭐️⭐️
Brock delivers great personalised service. We have used Finsync for all our mortgage needs for past 7 years. They have always found us the best deal and have always met our (sometimes challenging) timelines.

📞 03 9876 8115
🖥️ finsync.com.au

Do you own your own home?

If you've built up equity in your property, there are two ways to leverage it:
🔑Negotiate a better deal with your lender
🔑Use it to secure finance for an investment

Ask us how.⠀

📞 03 9876 8115
🖥️ finsync.com.au

We're practically being beaten over the head with how unaffordable housing is right now, but we're here to remind you it's not all doom and gloom!

Contrary to the constant news reports, you don't need to be on an exorbitant salary to break into the property market.

If you aspire to get on the property ladder, let's sit down together, crunch the numbers, and get clear on what you can afford to borrow and when.

Reach out today to explore your options.

📞 03 9876 8115
🖥️ finsync.com.au

In welcome news, the RBA has decided to hold the cash rate at 4.35% – so no change today.

They want to assess the impacts of the last three rate rises, before making their next decision in August.

If you’re wondering what this means for the lending landscape, now's a great time to have a conversation.

Reach out to us and we can help you understand your options.

If you're looking to secure a home loan in the near future, it’s a good idea to take extra care with your spending at least three months before you apply for a home loan.
⠀⠀⠀⠀⠀⠀
If, for instance, you’ve got a maxed-out credit card but are shopping up a storm on Afterpay, the lender may wonder why you’re not diverting this discretionary spending to paying off your debts.⠀
⠀
The banks are looking for evidence that you handle your debts well. If you're only making the minimum monthly repayments, or if you're behind on your repayments, it paints a picture that perhaps you're not on top of your money.⠀
⠀
They also want to see evidence of good savings habits. So if your nightly takeaway is getting in the way of your savings plan, then you may want to reprioritise your spending.⠀
⠀
Get in touch to find out more.

📞 03 9876 8115
🖥️ finsync.com.au

Like they say, why pay someone else's mortgage, when you can pay off your own? As a first home buyer there's a lot of support available to help you stop renting, and start owning:⠀
⠀⠀
✔️First Home Owners' Grant
✔️Home Loan Guarantee Scheme ⠀⠀⠀
✔️Transfer Duty Concessions⠀
✔️Lenders Mortgage Insurance (LMI) waivers for some applicants⠀
⠀⠀⠀⠀⠀
Get in touch if you want to get the ball rolling👍⠀

📞 03 9876 8115
🖥️ finsync.com.au

Thank you for the wonderful feedback, Cam! We truly appreciate your trust and are so glad you had such a positive experience with our team!

⭐️⭐️⭐️⭐️⭐️
Brock was very professional and went above and beyond to help get our loan approved! I highly recommend him and we are very thankful for his services.

📞 03 9876 8115
🖥️ finsync.com.au

Are you too old to get a home loan?

Not necessarily, but if you're over 40 or so, the bank will want you to have an exit strategy.

An exit strategy is basically a backup plan to give the lender assurance you'll be able to pay back the entire loan by the end of the loan term – usually 30 years.

And if you're taking out a home loan later in life, the lender will want to understand how you'll be able to pay back the loan once you stop working.

Possible exit strategies include:
- Selling an investment
- Downsizing the property
- Using superannuation
- Relying on a passive income source

So, if you're worried you're too old to secure finance, speak to us to understand your options. Where there's a will, there's a way!

📞 03 9876 8115
🖥️ finsync.com.au