JPI Finance - Mortgage Brokers

🤔 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 JPI Finance on: ☎️ – 0457 621 291 💻 – joseph@jpifinance.com.au #jpifinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #finance #kingston #kingstonproperty #kingstonrealestate #kingstonfinance #kingstonmortgagebroker #kingstonbroker #kingstonloans #ACT #ACTproperty #ACTrealestate #NSWmortgagebroker #NSW #NSWbroker #sydney #sydneybroker #NSWproperty #newsouthwalesproperty #newsouthwalesrealestate #NSWfinance

🗞📰 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/gvUZghKE

🩺 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 JPI Finance on: ☎️ – 0457 621 291 💻 – joseph@jpifinance.com.au #jpifinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #finance #kingston #kingstonproperty #kingstonrealestate #kingstonfinance #kingstonmortgagebroker #kingstonbroker #kingstonloans #ACT #ACTproperty #ACTrealestate #NSWmortgagebroker #NSW #NSWbroker #sydney #sydneybroker #NSWproperty #newsouthwalesproperty #newsouthwalesrealestate #NSWfinance

🏡 4 important steps when buying with friends or family 🏡⁣ ⁣ One-in-two Aussies are open to buying a home with a friend or relative, according to Compare the Market.⁣ ⁣ But before deciding on who'll get first dibs on the main bedroom, here are four steps you might want to consider:⁣ ⁣ ✅ Formalise the agreement: put everything in writing - from how much each person contributed to how bills are shared.⁣ ⁣ ✅ Have an exit strategy: know what will happen if one owner wants out.⁣ ⁣ ✅ Get professional advice: legal advice can help you decide the ownership structure that’s right for you.⁣ ⁣ ✅ Talk to us about flexible loan options available to co-buyers, and discover what works for you. 👇⁣ ⁣ To find out more, DM us or contact JPI Finance on: ☎️ – 0457 621 291 💻 – joseph@jpifinance.com.au #jpifinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #finance #kingston #kingstonproperty #kingstonrealestate #kingstonfinance #kingstonmortgagebroker #kingstonbroker #kingstonloans #ACT #ACTproperty #ACTrealestate #NSWmortgagebroker #NSW #NSWbroker #sydney #sydneybroker #NSWproperty #newsouthwalesproperty #newsouthwalesrealestate #NSWfinance

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. 🏡

⛔️ 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 JPI Finance on: ☎️ – 0457 621 291 💻 – joseph@jpifinance.com.au #jpifinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #finance #kingston #kingstonproperty #kingstonrealestate #kingstonfinance #kingstonmortgagebroker #kingstonbroker #kingstonloans #ACT #ACTproperty #ACTrealestate #NSWmortgagebroker #NSW #NSWbroker #sydney #sydneybroker #NSWproperty #newsouthwalesproperty #newsouthwalesrealestate #NSWfinance

🇳🇿 Home Guarantee Scheme now open to Kiwis 🇳🇿⁣ ⁣ Great news for New Zealanders wanting to buy their first home in Australia!⁣ ⁣ You could be eligible for Australia’s low deposit home buying scheme. 🏡⁣ ⁣ The Home Guarantee Scheme (HGS) allows eligible first home buyers to get into the market with just a 5% deposit.⁣ ⁣ Or just a 2% deposit if you’re a single parent.⁣ ⁣ Better yet, you don't pay lenders mortgage insurance. ⁣ ⁣ Kiwis with a 'Special Category Visa 444' are now eligible for the HGS - but don't let the word 'special' fool you.⁣ ⁣ It's just the main visa Kiwis get upon arrival when visiting Australia and allows them to visit, study, stay, and work.⁣ ⁣ Give us a call today to find out if you're eligible to buy a home in Oz with just a 5% deposit. 👇⁣ ⁣ To find out more, DM us or contact JPI Finance on: ☎️ – 0457 621 291 💻 – joseph@jpifinance.com.au #jpifinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #finance #kingston #kingstonproperty #kingstonrealestate #kingstonfinance #kingstonmortgagebroker #kingstonbroker #kingstonloans #ACT #ACTproperty #ACTrealestate #NSWmortgagebroker #NSW #NSWbroker #sydney #sydneybroker #NSWproperty #newsouthwalesproperty #newsouthwalesrealestate #NSWfinance

Remember the first time you stepped into a gym? It’s unlikely you swaggered your way over to the free weights rack and started busting out squats. Well, it turns out buying your first home can be just as daunting, with 91% of first-home buyers turning to a mortgage broker for guidance. 💪

🏡 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 JPI Finance on: ☎️ – 0457 621 291 💻 – joseph@jpifinance.com.au #jpifinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #finance #kingston #kingstonproperty #kingstonrealestate #kingstonfinance #kingstonmortgagebroker #kingstonbroker #kingstonloans #ACT #ACTproperty #ACTrealestate #NSWmortgagebroker #NSW #NSWbroker #sydney #sydneybroker #NSWproperty #newsouthwalesproperty #newsouthwalesrealestate #NSWfinance

✂️ Could you cut $280 off your monthly repayments? ✂️⁣ ⁣ After a string of cash rate hikes, research shows mortgage holders could be paying an interest rate of up to 7.11%, says RateCity.⁣ ⁣ But the average rate for new home loan borrowers is currently 6.3%. ⁣ ⁣ That's a pretty big difference. 😅⁣ ⁣ On a loan of $600,000, refinancing or renegotiating to a lower rate of 6.37% (and that's being conservative) could cut $280 off monthly repayments.⁣ ⁣ Call us today to find out if you could cut back your mortgage repayments by refinancing. 👇⁣ ⁣ To find out more, DM us or contact JPI Finance on: ☎️ – 0457 621 291 💻 – joseph@jpifinance.com.au #jpifinance #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #finance #kingston #kingstonproperty #kingstonrealestate #kingstonfinance #kingstonmortgagebroker #kingstonbroker #kingstonloans #ACT #ACTproperty #ACTrealestate #NSWmortgagebroker #NSW #NSWbroker #sydney #sydneybroker #NSWproperty #newsouthwalesproperty #newsouthwalesrealestate #NSWfinance