360 Financial Strategists

Springing into action with a pre-approval in place As the real estate market begins to bloom with opportunities for homebuyers, for those who wish to buy in the next few months understanding the distinctions between pre-qualification and pre-approval for a home loan can be pivotal in securing your dream home. If you are starting out on your journey to buy a home, one of the first things you ... Read More The post Springing into action with a pre-approval in place appeared first on 360 Financial Strategists.

Self-employed? Contractor? Switched to part-time with income coming in from a side hustle? And now you're thinking of applying for finance... ...but perhaps the bank isn't being as cooperative as you'd hoped. Each lender has different policies around what income they consider when calculating how much you can borrow, or whether they'll take you on as a home loan customer at all. It's our job to stay on top of all these policies, so with us on your side it's never a stab in the dark. Get in touch for personalised guidance. #360fs #360financialstrategists #financialplanners #financialadvice #melbourneproperty #melbournerealestate #realestateau

Equity is power 🔌 Did you know you can use your equity as leverage to refinance to a better mortgage rate? How about purchasing an investment property or renovating your current home? 🏡 Come in for a chat and we can discuss how to use your equity to your advantage 💪🏼 #360fs #360financialstrategists #financialplanners #financialadvice #melbourneproperty #melbournerealestate #realestateau

Navigating aged care costs can feel confusing. Often it's not just one cost, but a combination of: 🏠Accommodation fees 👩🏻⚕️Daily care expenses ✨Extra services for added comfort The type of care required and the home you choose to reside in will also impact the final fee. Our team are experienced in crafting aged care finance strategies. Let us help you break down the costs so you can choose the best option for aged care. #360fs #360financialstrategists #financialplanners #financialadvice #melbourneproperty #melbournerealestate #realestateau

Insurances are not something to simply set and forget. As your life changes – perhaps with a marriage, the birth of a child, or the purchase of a home – so do your insurance needs. Annual reviews of your life, health, car, and property insurance ensure that you're not underinsured or paying for unnecessary coverage. This proactive approach can save you from financial strain in case of an unexpected event. For our clients, we regularly proactively review key insurances to ensure they're still fit for purpose and are protecting our clients' interests. When was the last time you reviewed your insurances? #360fs #360financialstrategists #financialplanners #financialadvice #melbourneproperty #melbournerealestate #realestateau

Thank you for your feedback, Katrina! It was our absolute pleasure to help you. "I can’t thank Mish and the team enough for making my first home purchase a smooth and straightforward experience. Mish truly takes the time to understand your needs and goes the extra mile to ensure the best outcome. I’m very grateful for all their support. Thank you!" #360fs #360financialstrategists #financialplanners #financialadvice #melbourneproperty #melbournerealestate #realestateau

A huge congratulations to Stephanie Hortis who's been recognised as one of the finalists in the ifa (Independent Financial Adviser) Excellence Awards 2024 for Young Adviser of the Year. We are so proud of the incredible work she does for our clients, and are super happy she's been recognised in these national awards. Well done, Stephanie!! #360fs #360financialstrategists #financialplanners #financialadvice #melbourneproperty #melbournerealestate #realestateau 360 Financial Strategists

Think of pre-approval as a written confirmation from a lender that they're willing to loan you a certain amount of money to buy a property, provided you meet certain conditions. Keep in mind not all pre-approvals are created equal. Some are system-generated and won't factor in your full situation. Others will be based on a more complete assessment – and therefore a better reflection of how likely you are to secure formal approval. Here's why you might want to secure pre-approval before you make an offer on a property: Know your borrowing capacity: Get a clear idea of the amount you can borrow, so you can narrow down your property search. Negotiating power: Show the seller you're a serious buyer who has already been assessed by a lender. Avoid delays: Provide the lender with most of the info they need to assess your loan upfront, to make the formal approval process more seamless. Peace of mind: In 2024, is there anything worth more than certainty? Pre-approval gives you a clearer view of your options. Get in touch to secure your pre-approval. #360fs #360financialstrategists #financialplanners #financialadvice #melbourneproperty #melbournerealestate #realestateau

Life can be unpredictable, so it makes sense to seek out ways to create certainty. Protecting your assets and loved ones with tailored insurance solutions can give you the security you desire. The benefits of a well thought out insurance strategy: Reach out today to explore the best coverage options for you. Let’s make sure you’re protected. #360fs #360financialstrategists #financialplanners #financialadvice #melbourneproperty #melbournerealestate #realestateau

Buying property is no easy feat. It takes a village! If you need recommendations for a valuer, conveyancer, or building inspector, we can hook you up with our network of expert professionals. Either way, we'll work collaboratively with the professionals you choose - to make the process as seamless as possible. Ready to get started? #360fs #360financialstrategists #financialplanners #financialadvice #melbourneproperty #melbournerealestate #realestateau