Investive Financial

It’s the great Australian dream for many: giving the 9-to-5 grind the flick and running your own show. But when it comes to taking out a home loan, being your own boss can dish up some unexpected hammer blows. 🔨

🤔 Does pre-approval guarantee your home loan? 🤔⁣ ⁣ There’s a lot to love about home loan pre-approval.⁣ ⁣ It helps you set a buying budget and provides the confidence to bid at auction. 💪⁣ ⁣ But pre-approval is not a guarantee of getting a home loan.⁣ ⁣ Lenders can only offer ‘unconditional’ approval once they know the property you want to buy.⁣ ⁣ If the place is in poor shape or a bad location, or if you’ve paid too much, the bank can walk away from the loan. ⛔️⁣ ⁣ That said, pre-approval can still give you added peace of mind when you're bidding or making an offer on a property.⁣ ⁣ Call us today to find out more about lining up home loan pre-approval. 👇⁣ ⁣ To find out more, DM us or contact Investive Financial on: ☎️ – 0430 443 553 💻 – info@investivefinancial.com.au #investivefinancial #homeloans #mortgage #finance #refinancing #mortgagebroker #home #investmentproperty #firsthomebuyer #fhlds #refinance #sydney #sydneyproperty #sydneyrealestate #sydneybroker #sydneyfinance #sydneymortgagebroker #belfield #belfieldproperty #belfieldmortgagebroker #belfieldrealestate #westernsydney #westernsydneyproperty #westernsydneyrealestate #nsw #nswproperty #nswmortgagebroker #nswrealestate #nswfinance #nswbroker

🧱 Is now a good time to build a home? 🧱⁣ ⁣ If Grand Designs and Restorations Australia have taught us anything over the past four years, it's that construction costs have literally gone through the roof.⁣ ⁣ It's probably put more than a few people off building or renovating their own dream home. 😅⁣ ⁣ However, new data from CoreLogic shows that residential construction costs are now rising at the slowest annual pace in 22 years.⁣ ⁣ So, while the cost to build isn’t reducing, the slower pace of growth should provide builders and homeowners with some confidence that project costs hopefully won’t blow out. ⁣ ⁣ If you're keen to build your dream home, it's worth noting that there's even a special type of loan purpose-built for new homes.⁣ ⁣ With a construction loan, you pay interest-only on just the funds drawn down while your home takes shape. ⁣ ⁣ So if you’re looking to build or renovate, talk to us today about your funding options. 👇⁣ ⁣ To find out more, DM us or contact Investive Financial on: ☎️ – 0430 443 553 💻 – info@investivefinancial.com.au #investivefinancial #homeloans #mortgage #finance #refinancing #mortgagebroker #home #investmentproperty #firsthomebuyer #fhlds #refinance #sydney #sydneyproperty #sydneyrealestate #sydneybroker #sydneyfinance #sydneymortgagebroker #belfield #belfieldproperty #belfieldmortgagebroker #belfieldrealestate #westernsydney #westernsydneyproperty #westernsydneyrealestate #nsw #nswproperty #nswmortgagebroker #nswrealestate #nswfinance #nswbroker

Negative gearing is in the headlines again. But what is it all about, and could it affect you? Today we’ll explain how negative gearing works, why it’s so popular among investors, and why it’s attracting fresh attention. 🏡

🏡 More first home buyers are turning to rentvesting 🏡⁣ ⁣ There's been a 25% jump in first home buyers choosing to buy a rental property rather than a home to live in, according to ABS data.⁣ ⁣ It can be a win-win strategy. ✅ ✅⁣ ⁣ Rent where you want to live. ⁣ ⁣ Buy where you can afford, and use rental income to help pay the mortgage. 🏘⁣ ⁣ It’s not for everyone but it can be a start on the property ladder.⁣ ⁣ And that matters when home prices are rising. 📈⁣ ⁣ Call us to find out if rentvesting could work for you. 👇⁣ ⁣ To find out more, DM us or contact Investive Financial on: ☎️ – 0430 443 553 💻 – info@investivefinancial.com.au #investivefinancial #homeloans #mortgage #finance #refinancing #mortgagebroker #home #investmentproperty #firsthomebuyer #fhlds #refinance #sydney #sydneyproperty #sydneyrealestate #sydneybroker #sydneyfinance #sydneymortgagebroker #belfield #belfieldproperty #belfieldmortgagebroker #belfieldrealestate #westernsydney #westernsydneyproperty #westernsydneyrealestate #nsw #nswproperty #nswmortgagebroker #nswrealestate #nswfinance #nswbroker

⛔️ Worried about getting knocked back for a home loan? ⛔️⁣ ⁣ Fear of rejection has stopped 1-in-5 Aussies from applying for finance in the past year, according to Finder.⁣ ⁣ Apparently, one big concern is that a knock back could impact a borrower’s credit score.⁣ ⁣ Let’s set the record straight. 💪⁣ ⁣ It is applying for a loan that could impact your score - not whether you’re approved or rejected.⁣ ⁣ So it makes sense to keep applications to a minimum. ⁣ ⁣ Better still, stick to one, and get it right the first time. ✅⁣ ⁣ Call us today to find out if you’re in a good position to land a home loan, and give fear of rejection the flick. 👇⁣ ⁣ To find out more, DM us or contact Investive Financial on: ☎️ – 0430 443 553 💻 – info@investivefinancial.com.au #investivefinancial #homeloans #mortgage #finance #refinancing #mortgagebroker #home #investmentproperty #firsthomebuyer #fhlds #refinance #sydney #sydneyproperty #sydneyrealestate #sydneybroker #sydneyfinance #sydneymortgagebroker #belfield #belfieldproperty #belfieldmortgagebroker #belfieldrealestate #westernsydney #westernsydneyproperty #westernsydneyrealestate #nsw #nswproperty #nswmortgagebroker #nswrealestate #nswfinance #nswbroker

🗞📰 𝗛𝗼𝘄 𝗹𝗼𝗻𝗴 𝗶𝘁 𝘁𝗮𝗸𝗲𝘀 𝘁𝗼 𝘀𝗮𝘃𝗲 𝗮 𝗱𝗲𝗽𝗼𝘀𝗶𝘁 (𝗮𝗻𝗱 𝗵𝗼𝘄 𝘁𝗼 𝗳𝗮𝘀𝘁-𝘁𝗿𝗮𝗰𝗸 𝗶𝘁) 📰🗞⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣ ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣ They say patience is a virtue. But the narrator of the poem that coined that famous phrase was an idle vagabond – not exactly an aspiring homeowner. So, here are four impatient ways you could fast-track home ownership (all while keeping your virtue!). 😅⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣ ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣ https://lnkd.in/g3GGTnEf

🩺 Home loan perks for essential workers 🩺⁣ ⁣ We all love our essential workers - the paramedics, nurses, firefighters, police and teachers - who keep our communities going. ⁣ ⁣ Lenders are showing some love, too. ⁣ ⁣ If you’re an essential worker, you could be eligible for a lower rate home loan. 🏡⁣ ⁣ Banks may also include 100% of overtime plus allowances in your income when deciding home loan eligibility.⁣ ⁣ Some essential workers in the health care sector (such as nurses and midwives) are also able to apply for a home loan with at least one big bank with just a 10% deposit and not pay lenders mortgage insurance.⁣ ⁣ Get in touch today to find out if you’re eligible for any potential home loan perks with your job. 👇⁣ ⁣ To find out more, DM us or contact Investive Financial on: ☎️ – 0430 443 553 💻 – info@investivefinancial.com.au #investivefinancial #homeloans #mortgage #finance #refinancing #mortgagebroker #home #investmentproperty #firsthomebuyer #fhlds #refinance #sydney #sydneyproperty #sydneyrealestate #sydneybroker #sydneyfinance #sydneymortgagebroker #belfield #belfieldproperty #belfieldmortgagebroker #belfieldrealestate #westernsydney #westernsydneyproperty #westernsydneyrealestate #nsw #nswproperty #nswmortgagebroker #nswrealestate #nswfinance #nswbroker

🏡 Buying an investment property using your home’s equity 🏡⁣ ⁣ More than one-in-five Australians (21%) aspire to own investment properties to build their wealth, according to MLC’s Financial Freedom report.⁣ ⁣ And that goal for current homeowners might be more reachable than you think. 🤨⁣ ⁣ You see, national property prices have increased 13.5% since January 2023, and CoreLogic’s latest Pain and Gain report reveals that homes sold in the first quarter of 2024 made a median profit of $265,000. ⁣ ⁣ But you don't need to sell your family home to tap into any potential rise in equity your home has experienced.⁣ ⁣ By refinancing, you can essentially cash out a decent portion of the equity and use it to invest in an investment property, shares, super or even a renovation.⁣ ⁣ To find out how you could leverage your family home's equity, give us a call today. 👇⁣ ⁣ To find out more, DM us or contact Investive Financial on: ☎️ – 0430 443 553 💻 – info@investivefinancial.com.au #investivefinancial #homeloans #mortgage #finance #refinancing #mortgagebroker #home #investmentproperty #firsthomebuyer #fhlds #refinance #sydney #sydneyproperty #sydneyrealestate #sydneybroker #sydneyfinance #sydneymortgagebroker #belfield #belfieldproperty #belfieldmortgagebroker #belfieldrealestate #westernsydney #westernsydneyproperty #westernsydneyrealestate #nsw #nswproperty #nswmortgagebroker #nswrealestate #nswfinance #nswbroker

Thinking of holding off buying until interest rates fall? Wait until you see what could happen to home prices. Here’s why it could make sense to buy sooner rather than later if you’re home loan-ready. 🏡