Sheel Capital

If you've had the same home loan for a few years, and haven't had a professional look over it recently, you could be missing out on opportunities for a more suitable deal. Here are five reasons you might want to refinance your home loan: - To save money - To pay off your loan sooner - To get access to more features - To leverage your equity - To consolidate existing debts Get in touch with us and we'll run a health check on your home loan. No fuss, no strings. https://bit.ly/4cVlqIn Call Shubham at 0408 456 777 #sheelfeel #sheelcapital

Ever wondered why interest rates make headlines? The interest rate on your mortgage isn't just a number – it determines how much your property really ends up costing you. In a fluctuating market, keeping an eye on interest rates helps you make informed decisions and ensures your mortgage remains competitive. Curious about your current rate? Let’s review it together to work out if it's serving your best interests. https://bit.ly/4cVlqIn Call Shubham at 0408 456 777 #sheelfeel #sheelcapital

This will vary person to person. A good place to start is to: - Find a finance broker you click with. - Talk to them about your plans. Each lender has different policies, and while not everyone will qualify everywhere, we’ll be able to guide you to which lenders you have the best chance with. Getting in touch with us sooner, rather than later, also means we can help you create the best impression with the lender - this preparation will ideally start months before you apply. https://bit.ly/4cVlqIn Call Shubham at 0408 456 777 #sheelfeel #sheelcapital

How your loans are structured is more important than any single feature – yes, even the interest rate. Any broker can source the 'cheapest' loan, but it takes real expertise to structure your loan, or loans, in a way that supports your overarching strategy. - Do you want to buy an investment property down the track? - Are there businesses or family trusts to consider? - Is it more important to maximise cash flow, or pay down the loan ASAP? Get in touch if you'd like to understand what we can help you achieve. https://bit.ly/4cVlqIn Call Shubham at 0408 456 777 #sheelfeel #sheelcapital

When figuring out whether to approve your home loan application, lenders will consider your 'character'. They basically need to decide whether you're someone who'll pay them back, and how they make this judgment is to look at your past behaviour. Every payment you make – or miss – writes a chapter in your credit history, and lenders will take a look at this story to gauge your reliability. A strong credit history isn't just numbers; it's proof that you're consistently responsible. So, before applying for a home loan, make sure your credit report is telling the right story. https://bit.ly/4cVlqIn Call Shubham at 0408 456 777 #sheelfeel #sheelcapital

One of the biggest challenges of being self-employed is making sure your customers pay you! Without cash coming in, you might not be able to maintain stock levels, invest in marketing, or draw a wage. And when it's just you working on the business, there's not much time to chase down payments, while also servicing your customers. Get in touch if you'd benefit from an easy cashflow solution to keep your business moving. https://bit.ly/4cVlqIn Call Shubham at 0408 456 777 #sheelfeel #sheelcapital

What does it mean to take cash out of your home loan? Basically, you're drawing on equity – which is the portion of the property that you've paid back, as opposed to the portion covered by the bank. To access this equity, you'd need to refinance your home loan. This cash out could be used to: - Renovate your home - Buy shares - Buy an investment property - Pay off other debts - Pay private school fees - And more Please keep in mind that before taking on more debt it's worth obtaining professional guidance to understand the full financial implications. Get in touch to find out if drawing equity would make sense for you. https://bit.ly/4cVlqIn Call Shubham at 0408 456 777 #sheelfeel #sheelcapital

Let's talk home loan deposits. There's an overwhelming amount of information online about the ideal deposit required to secure a home loan. Do you need 20%❓ Ideally, yes. BUT...with property prices and the cost of living rising every day, 20% is simply not achievable for a lot of people. Banks are always going to love seeing a nice big down payment, but there are other options for people with smaller deposits. Whether it's using LMI, or asking Mum or Dad to go guarantor – where there's a will, there's a way! Contact us to start your home loan journey! https://bit.ly/4cVlqIn Call Shubham at 0408 456 777 #sheelfeel #sheelcapital

You didn't get into business so you could spend your days chasing up unpaid invoices. If you're finding you're struggling to keep on top of cash flow, then it may be worth considering invoice finance. Invoice finance can release precious cash flow. Don't let slow payers hold your business back. Get paid today. https://bit.ly/4cVlqIn Call Shubham at 0408 456 777 #sheelfeel #sheelcapital

Wondering whether you need to get a home loan pre-approval? 🧐 Getting pre-approval is not essential, but there are certainly advantages! For example: 1. It presents you as a serious buyer to sellers. 1. It allows you to be confident in how much you can afford to borrow. 1. It can make the final home loan approval process faster. Speak to us about pre-approval today. https://bit.ly/4cVlqIn Call Shubham at 0408 456 777 #sheelfeel #sheelcapital