Clover Financial Solutions

It's cheaper to pay off a home loan than it is to rent in 1 in 7 Australian suburbs (according to recent research from Domain). If you're ready to get off the renting wheel, get in touch to explore your options. #cloverfinancial #cloversolutions #hawthorn #camberwell #kooyong #melbourneproperty #financialliteracy #melbournehomes #melbournerealestate https://lnkd.in/g_JdvVns

Let's celebrate your money wins! Big or small, it's important to acknowledge what you're doing to secure a stronger financial future. It could be as simple as finally cancelling one of your five streaming subscriptions, or hitting your one month milestone of not using UberEats! Comment one of your recent money wins 🎉💰 #cloverfinancial #cloversolutions #hawthorn #camberwell #kooyong #melbourneproperty #financialliteracy #melbournehomes #melbournerealestate https://lnkd.in/g_JdvVns

Taking that first step up the property ladder should feel exciting!! But we get that it can feel insurmountable, and probably more than a little confusing. When we have our first meeting, we'll discuss where you are now, what you want to achieve, and then get to work making a plan to help you get there. Ready to get started? #cloverfinancial #cloversolutions #hawthorn #camberwell #kooyong #melbourneproperty #financialliteracy #melbournehomes #melbournerealestate https://lnkd.in/g_JdvVns

Here's why many people build their very own home, instead of buying an existing one: Choice: From the floor plan to the appliances - the choice is yours! Savings: When you build, you're entitled to some excellent savings on Stamp Duty. Lifestyle: Move in to a brand new home, instead of spending weekends on a fixer upper. Have you thought about building your own home, or would you rather buy an established property? #cloverfinancial #cloversolutions #hawthorn #camberwell #kooyong #melbourneproperty #financialliteracy #melbournehomes #melbournerealestate https://lnkd.in/g_JdvVns

If you're saving hard for a home loan but it just doesn't seem to be happening quickly enough, consider these three ways to boost your savings: -Consolidate your debts -Cancel all unused subscriptions -Review (and switch) your ISP and energy providers The best thing is you'll save money without having to give up anything - because we have a feeling you're already sacrificing plenty to get that deposit ready! #cloverfinancial #cloversolutions #hawthorn #camberwell #kooyong #melbourneproperty #financialliteracy #melbournehomes #melbournerealestate https://lnkd.in/g_JdvVns

When you're going for a home loan, there's only so much you can cut your expenses by. Another way to improve your borrowing power is of course to earn more. Easier said than done, right? Not impossible, though. Here are five steps to take when negotiating a pay rise: 1. Find out how much your experience and expertise are worth 2. Provide specific examples of how you go above and beyond 3. Quantify the additional value you deliver the company 4. Practice your pitch and don't get emotional 5. And last, if your employer says no, don't take it personally – a lot of businesses are also doing it tough. Ask them instead if you can make a plan for how to increase your salary, whether it's taking on more responsibility, undertaking training or switching to another department. And what not to do: rising costs of living, interest rates, housing affordability aren't compelling reasons for the business owner to say yes to a pay rise (beyond the usual CPI increase). Stick to why granting the pay rise makes good business sense. Let us know if you're planning to ask for a pay rise. #cloverfinancial #cloversolutions #hawthorn #camberwell #kooyong #melbourneproperty #financialliteracy #melbournehomes #melbournerealestate https://lnkd.in/g_JdvVns

Starting your home buying journey can feel daunting, but we're here to help simplify it! 🔑 Pre-approval magic: Secure your pre-approval early to know your budget and show sellers you’re serious. 🔑 Government incentives: Take advantage of first home buyer grants and schemes. 🔑 Location, location: Prioritise location over aesthetics — it's key for long-term capital growth. Ready to talk homes? We’re just a message away! #cloverfinancial #cloversolutions #hawthorn #camberwell #kooyong #melbourneproperty #financialliteracy #melbournehomes #melbournerealestate https://lnkd.in/g_JdvVns

Here are a few things you should be thinking about if you're planning to apply for a home loan: 💸 Are you excess spending on non-essentials (UberEats, gambling 👀)? 💸 Are you withdrawing from your “savings” account? 💸 Do you have other debts or credit cards? Get in touch with our team to discuss how you can put yourself in the best position to get approved for a home loan in 2024! #cloverfinancial #cloversolutions #hawthorn #camberwell #kooyong #melbourneproperty #financialliteracy #melbournehomes #melbournerealestate https://lnkd.in/g_JdvVns

Budgeting sounds very restrictive, and if you've never done a budget before, perhaps you're putting it off because you expect it to be fun-sapping. But trust us, a reasonable budget will factor in enough frivolous spending to keep life interesting! We know that depriving yourself for too long isn't sustainable. What do you think? Do you budget for fun things, too? #cloverfinancial #cloversolutions #hawthorn #camberwell #kooyong #melbourneproperty #financialliteracy #melbournehomes #melbournerealestate https://lnkd.in/g_JdvVns

Is your account constantly overdrawn? Are your direct debits bouncing back? Perhaps you're often having to dip into your savings to pay your regular bills? Well, here's your friendly reminder to consider how this looks to the bank, particularly if a home loan is on the horizon for you. We think today's the perfect day to start creating a better first impression. Why? Well when the bank assesses your home loan application, they'll look at your 'account conduct' over the last few months. Basically, they want to know whether you're managing your accounts in a way that shows you're in charge of your money. What to do: – Establish a budget (simple is often best) – Try to switch bills from quarterly to monthly – Write down when all your direct debits are due – Divert money from spending to savings to give yourself a buffer – Get in touch with us for a no judgment look at what the bank might think of your account conduct. What are you waiting for? #cloverfinancial #cloversolutions #hawthorn #camberwell #kooyong #melbourneproperty #financialliteracy #melbournehomes #melbournerealestate https://lnkd.in/g_JdvVns