Your Local Advantage
My pride in my work comes from the level of service I can provide to you. Because I own my business, when you work with me I know straightaway what we can and cannot do – I don’t have to ask permission from anyone. I take personal responsibility for the service I provide and do my utmost to make you happy.
I cover all of Townsville – and have clients in other parts of Australia and a few overseas – but most of my clients are in Kirwan, Heatley, Thuringowa Central, Cranbrook, Gumlow, Condon, Douglas, Mount Stuart, Mundingburra, Murray, Mysterton and North Ward.
Here are my tips on
Whether you are a First Home buyer or a seasoned Investor purchasing a home is one of those major milestones in your life, but it doesn’t always come without a significant amount of stress or emotion. For some people it is exciting, others find it overwhelming, or even scary.
Whether you are looking at purchasing your first Investment property or your tenth making sure that you have the right structure for your situation is imperative.
Being Self Employed doesn’t mean that you can’t borrow money it just means that some or all of the information the lender will want to see will be a bit different to that of an employed applicant.
Questions about what's next?
What’s a payment deferral? This is also known as a mortgage holiday but don’t let the name fool you, this is no holiday. If you've been stood down, lost your job and cannot afford to pay mortgage repayments, you have the ability to enact a payment deferral. This is when a lender defers your repayments for a period of time. Every lender has their own rules and requirements on these payment deferrals. It’s important to know that at some point you will be required to pay the interest that accrued while the loan was deferred. For example, some lenders will add the amount you owe to the end of your loan and some will charge immediately after the payment deferral is off hold. Also, after the deferral, your balance and your repayments could be higher to make up for the interest accrued deferred repayments.
How I can help your clients during this time of uncertainty
In the midst of all of this uncertainty and chaos, I wanted to share that my business is covid-capable, and isolation-enabled. That is to say, it’s business-as-usual and if your clients need me, I am here.
Is March a buyer’s month? To delay or act, that is the question
I’ve read plenty over the years about the “best time to sell” for homeowners in Australia, and that got me thinking. When’s the best time for buyers? When is the market less competitive on the bidder-front? When are prices likely to be more affordable? And how much does supply of real estate stock play a part? Is there such a thing as a buyer’s month? Turns out there is. And it’s probably now.