Easter …
The only time of year when you CAN put all your eggs into one basket and get away with it (LOL).
Wishing you and your families a wonderful Easter
from the DPF Team.
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A Home Loan that Rewards you with Qantas Points
If you have a $400,000.00 Home Loan you could be rewarded with 150,000 Qantas Points over 5 Years PLUS receive additional Qantas Points from your Platinum Credit Card
HOW ???
There is a Home Loan that will pay you …
10,000 Points for every $100,000 of your Home Loan
1,000 Points every month
25,000 Points Loyalty Bonus after 3 Years
25,000 Points Loyalty Bonus after 5 Years
1 Point for EVERY dollar you spend on the Platinum Credit Card
Minimum loan amount $150,000.00. For more information on the terms & conditions “CONTACT US” or phone our friendly Mortgage Specialists 07 5527 4744
Happy Leap Year
Each Leap Year, not only do we celebrate the “Extra Day” gifted every 4 years, but also according to an old Irish legend, St Brigid struck a deal with St Patrick that on the 29th February women are permitted to propose to men and tradition also dictates that any man who refuses a woman’s proposal on February 29 has to buy her 12 pairs of gloves or pay a penalty such as a gown or money.
In the finance industry we have no issue as to who proposes to whom, however we do use this day as a reminder to ask ourselves … “Have I reviewed or updated my loans or my investments within the last 4 years ?”
Tradition does not dictate that a penalty needs to be paid if you haven’t, however the reality is that you could be losing money by paying too high an interest rate or hanging onto an investment that simply isn’t performing as you had hoped.
And so, on this Leap Year, we pass on all our best wishes to you all and … to help you “Leap” into the year ahead we offer to our clients and their families an obligation free review of their Home Loans & Investment Property Loans.
To take us up on this offer simply click on “CONTACT US” and provide your name & contact details and we will be pleased to assist.
Have a New Business and want to Buy a Home
Tired of being told by Banks that you need to be in business for 2 years before you can apply for a Home Loan ???
Great news … One Australian bank has confirmed if you have a 20% Deposit the bank can now assess your income based on the “Cash Flow Projections” for your new business.
Click on “CONTACT US” or Telephone 07 5527 4744 to talk with our experienced Mortgage Specialists.
Your new home may be closer than you think.
Buying a Home … Where to start ???
Want to purchase your new home but not sure where to start ?
Our Mortgage Specialists can help you to find the answers to your questions …
- How much do I need to save ?
- How much can I borrow ?
- Will the Bank approve me ?
- What are the total costs ?
- Am I eligible for govt grants ?
- Can my stamp duty be waived ?
- What do I need to do next ?
Please feel free to telephone 07 55274 744 or “CONTACT US”
Interest Rates up to 1% p.a. lower . . .
Actions by APRA in the later part of 2015 have resulted in many banks increasing interest rates on Home Loans & Investment Property Loans whilst other Banks are continuing to offer interest rates up to 1.00% p.a. lower.
For a loan amount of $400,000.00 this equates to borrowers being forced to pay an extra $4,000.00 each year.
With Variable Interest Rates as low as 3.98% p.a. (CR 4.03%) now might be a great time to make a make a fresh start, save heaps and pay off your Home Loan much sooner.
Please feel free to click on CONTACT US or call 07 5527 4744 to discuss your options.
To calculate how much of a difference a lower interest rate could make to your Monthly / Weekly loan repayment click onto our Home Loan Repayment Calculator.
Celebrating our 18th Birthday
DPF Mortgage Specialists are celebrating our 18th Birthday and we wish to thank all our wonderful clients and staff for all your generous support.
Now that we are legally old enough to drink … It’s time to celebrate !!!
How much do I need to save to buy a home ?
There are 2 potential answers to this question …
Answer 1
$Nil – If your parents are able to provide a Limited Guarantee.
Answer 2
5% of the purchase price. Please note that if you are not eligible to receive the First Home Owners Grant you will also require additional funds to cover the “other costs” associated with purchasing a home / unit (e.g. Legal Fees, Insurance, Body Corp, Council Rates, etc).
Avoid being disappointed … Talk to our Mortgage Specialists to learn how to improve your chances of being approved when applying for your new Home Loan.
Reserve Bank Announcement …
The Reserve Bank Board has voted to retain the Official Cash Rate at the current record low 2% until the next RBA Board meeting in February 2016.
If your Bank has recently increased the Variable Interest Rate on your Home Loan there are two options available to you.
Option 1: Consider switching all / part of your Home Loan to a Fixed Interest Rate with your existing Bank as the Fixed Interest Rate may be lower than your Variable Interest Rate.
Option 2: Consider refinancing to a Bank with a lower Interest Rate. (Please Note: Several Banks are currently offering to pay up to $1,500.00 to cover your refinancing costs)
Please “CONTACT US” or telephone 07 5527 4744 if you wish to discuss your options.
Gold Coast based Broker helping families across Australia
If you can see your town or city in this photo DPF Mortgage Specialists can help you with your Home Loan.
Please call us on 07 5527 4744 or click on “CONTACT US” to talk with our experienced Mortgage Specialists.
After all …
WE WORK FOR YOU … not the Bank
