Guzman Finance

AFG Home Loans have been around for over a quarter of a century and is part of the Australian Financial Group Ltd (one of Australia’s leading mortgage broking firms). AFG Home Loans has a wide variety of loans to choose from with competitive rates and different features that suit many borrowers, available through accredited AFG mortgage brokers. Retro home loans are a more common sense and flexible approach to lending as they can cater for self-employed customers, and customers who may not fit traditional lending criteria. The Retro Home Loan is a good old-fashioned home loan with great features you need, without the cost of those you don’t. It is simple and easy to understand with no fancy frills – but still with some of the best modern features you expect like 24/7 online access and an optional 100% offset facility. A new product, Retro Thrive, is an innovative product designed to cater to mature-aged borrowers 50 and over looking for more flexible repayment options. Thrive enables customers to choose an interest only repayment schedule over a 40-year term without repeatedly applying for extensions, ultimately providing more options to hold these assets longer into retirement. Want to know if AFG Retro might be the solution you are looking for? Start here 👉 https://lnkd.in/g2d5WuwC #MortgageBroker #HomeLoans #Refinance #BrokersWorkForYou #YourMortgageBroker #GuzmanFinance @andresguzman

✋ The Reserve Bank of Australia (RBA) has announced a hold on the cash rate of 4.35% at yesterday's meeting. The decision to keep the cash rate unchanged reflects a balance between domestic and global economic factors. Inflation in Australia is currently at a three-year low, with the Consumer Price Index (CPI) rising by 2.8% over the year from September 2023 to September 2024. However, policymakers are also mindful of the upcoming U.S. election, the outcome of which has the potential to influence global markets. Forecasts from major banks and economists suggest we won’t see any significant changes to the cash rate until February 2025 at the earliest, with some suggesting it could even stretch to May 2025. The decision underscores the importance of staying informed about economic developments and their potential impact on your finances. Whether you’re considering buying a new home, refinancing your mortgage to secure better terms or exploring property investment opportunities, now could be a good time to review your financial strategy. #MortgageBroker #HomeLoans #Refinance #InterestRates #YourMortgageBroker #GuzmanFinance @andresguzman

Focus on the bright side and let positivity lead the way ☀️😎 #MortgageBroker #InspirationalQuote #HomeLoans #Refinance #BrokersWorkForYou #YourMortgageBroker #GuzmanFinance @andresguzman

A warm and heartfelt Diwali greeting to all who are celebrating! May the festival of lights illuminate your path and bring joy to your home! 🪔🌼 #MortgageBroker #HomeLoans #PointCook #LocalCommunity #YourMortgageBroker #GuzmanFinance @andresguzman

🎃 Happy Halloween! 🎃 Did you know that mortgages can be scarier than ghosts and goblins? These spooky facts about mortgages might give you a fright! 👻 But don't worry, we're here to help you navigate the mortgage maze and find the best solution for your needs. #MortgageBroker #HomeLoans #MortgageFacts #SpookySeason #Refinance #YourMortgageBroker #GuzmanFinance #Boo @andresguzman

We appreciate your feedback, that’s why each month we give our customers who have recently settled a loan the chance to go in the competition to win a small thank-you gift. 🎉 This month’s winner is Darrell, and they’ve won a $500 Bunnings voucher. Congratulations Darrell! #MortgageBroker #HomeLoans #WinnersAreGrinners #YourMortgageBroker #GuzmanFinance @andresguzman

Big thanks to J.O. for the wonderful feedback! 🌟 It was truly a pleasure helping you secure the right home loan. We're so glad we could make the process smooth and stress-free. 🏡🔑 Looking forward to assisting more clients on their home ownership journey! #MortgageBroker #HomeLoans #Refinance #BrokersWorkForYou #YourMortgageBroker #GuzmanFinance @andresguzman

Whether you're navigating home loans or chasing your dreams, it's the courage to keep going that makes the difference. Remember, every challenge is just another step toward your success. 🤔 #MortgageBroker #InspirationalQuote #HomeLoans #Refinance #BrokersWorkForYou #YourMortgageBroker #GuzmanFinance @andresguzman

🎉👧🧒 Children’s Week 2024 starts tomorrow and runs until Sunday 27 October 2024. The theme for this year is: “Children have the right to a clean and safe environment”. Local councils, not-for-profit organisations, schools and early childhood services organise a variety of events during Children's Week. These include open days, displays, special events, virtual spaces and online-based activities. The events celebrate childhood and showcase children's achievements. To find out what is happening in your part of Australia head to the Children's Week Council's page 👉 https://lnkd.in/gFXbDgPJ. For an interactive map of activities in Victoria head to 👉 https://lnkd.in/gWqBud9V. #MortgageBroker #HomeLoans #PointCook #LocalCommunity #YourMortgageBroker #GuzmanFinance @andresguzman

Equity is the difference between the current value of your home and what you still owe on your loan. With every repayment you make, you’re building up this equity—money that could help fund your next investment! Even if your loan balance hasn't changed, rising property values or home improvements may have boosted your equity 📈. The best part? You can access that equity without selling your home! If you're thinking about purchasing an investment property, using your equity can help you skip the deposit-saving process. A lender will assess your property’s current market value and determine your usable equity. You can release equity through your existing lender by setting up a new loan split, or by refinancing to a new lender. However, lenders will also look at factors like your income, debts, living expenses, and more. Typically, they’ll allow access to up to 80% of your available equity, depending on your financial situation and lender criteria. 🤔 Thinking about property investment? Contact us today to see how your equity could work for you! #MortgageBroker #EquityRelease #PropertyInvestment #HomeLoans #BrokersWorkForYou #YourMortgageBroker #GuzmanFinance @andresguzman