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🤔 What other property investment options are th

🤔 What other property investment options are there other than residential? 🤔

If you want to diversify your portfolio, you may want to consider investing in commercial property, such as office, retail, or industrial spaces. 🏭

Commercial property can be attractive to investors due to its longer leases than residential rentals.

There are generally two options you can take:

✅ Direct investment by purchasing a commercial property yourself.

✅ Investing in a commercial property fund, where you become a part-owner of the portfolio of commercial properties, along with other investors.

Whatever avenue you decide is right for you, we can help you with financing and loans.

To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au

#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🏡 Single and under 30? You’re a great fit for

🏡 Single and under 30? You’re a great fit for the 5% deposit scheme 🙌⁣
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Long gone are the days when you had to scrimp and save for a 20% deposit to buy your first home 🤔⁣

These days, you can crack the property market with just a 5% deposit and pay no lenders’ mortgage insurance (LMI), thanks to the federal government’s First Home Guarantee (FHG) scheme.

Recent data from the scheme* shows the majority of people who purchase their first home under the scheme are single buyers, of which:

- 52% are female and 48% are male.
- The median age is 25 to 29 years olds.
- The average loan size is $397,000.
- Earn around $60-$80k per year.

Know anyone who might fit that bill and wants to escape the rental market? 🤔

Put them in touch with us before the next round of scheme spots become available on July 1. 😁⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au

* NHFIC

#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🤷 Business loan or personal loan. Which is righ

🤷 Business loan or personal loan. Which is right for you? 🤷⁣
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🏪 Business loans are for specific business expenses only. They can allow you to borrow more, but they can also involve a more complex application process.⁣
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🙋♂ A personal loan is usually quicker and easier to apply for. And has more flexibility around the use of funds.⁣
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But…⁣
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Defaulting on a secured personal loan could result in lost assets. 😬⁣
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Not sure what’s the right option for you? Come and chat with us. 👇⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

💰 Here are 5 house buying costs you may not exp

💰 Here are 5 house buying costs you may not expect 💰⁣
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You’ve got your deposit and you’re hunting for “the one”. But here are the top 5 costs you may not (yet) have on your radar. 📡⁣
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📜 Stamp duty: is the cost to transfer land or property, and it can cost absolute thousands. ⁣
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👷 Building inspections: before buying, you’ll need a qualified inspector to check everything is a-ok. ⁣
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👩💼 Legal fees: buying a home requires the drafting and lodgement of legal paperwork which can cost $1000 plus. ⁣
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🏡 Lenders mortgage insurance (LMI): deposit below 20%? You may need to pay LMI to offset the higher risk in lending to you. ⁣
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💵 Application fees: depending on your lender, you may incur fees when applying for a home loan. ⁣
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Want to know how to manage these additional costs? ⁣
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Come and chat with us. 🗣 ⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🤔 Thinking of refinancing? Here are 3 key quest

🤔 Thinking of refinancing? Here are 3 key questions to consider 🤔⁣
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✅ What’s your financial picture? Make sure your credit score and finances are in shape before applying to avoid disappointment. ⁣
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✅ Do you have equity? Most lenders require 20% equity to refinance. And if you have more, you may be able to unlock it.⁣
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✅ What are you looking for? An offset account, extra repayments, flexibility… Think about what you need in a home loan. ⁣
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And if you don't have the answers? No worries. 👇⁣
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Call us today and we can help you crunch the numbers and find a good home loan fit for you. 👍⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

📈 Have the RBA rate hikes got you walking a tig

📈 Have the RBA rate hikes got you walking a tightrope?🚶♂⁣
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If you're starting to struggle with the budgeting balancing act, the good news is that we're hopefully through the thick of it. 😅⁣
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Here's where economists from the big 4 banks are predicting the cash rate will end up after the RBA hiked it to 3.60% in March. ⁣
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🟨 CommBank - increase to 3.85% by April. Dropping to 2.85% by December 2023.⁣⁣
🛑 NAB - rising to 4.10% by May 2023. Dropping to 3.10% by May 2024.⁣
🟥 Westpac - rising to 4.10% by May 2023. Dropping to 2.35% by December 2025.⁣⁣
🔵 ANZ - rising to 4.10% by May 2023. Dropping to 3.85% by November 2024.⁣⁣
⁣⁣
If you need a bit of extra breathing space, get in touch today and we can run you through some options, which may include negotiating a better rate with your lender or refinancing. 👇 ⁣
⁣⁣
To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🚘 The numbers are in: the Toyota Hilux was the

🏡 What are the top Australian suburbs for first

🏡 What are the top Australian suburbs for first-home buyers in 2023? 🏡⁣
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A recent survey* looked into the affordability, appeal, amenities and location of Australian suburbs. ⁣
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Here’s where they flagged as top options for first-home buyers. ⁣
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⭐ Sydney - Arncliffe, Quakers Hill⁣
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⭐ Melbourne - Reservoir⁣
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⭐ Brisbane - Goodna, Boondall⁣
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⭐ Perth - Butler⁣
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⭐ Adelaide - Christies Beach⁣
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⭐ Hobart - North Hobart⁣
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⭐ Canberra - Scullin⁣
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⭐ Darwin - Bayview⁣
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Are you looking to get into the housing market in 2023? Come and have a chat with us. 👇⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
* realestate.com.au Hot 100 suburbs to watch in 2023⁣
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#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🥚 Want a head start on your financial goals thi

🥚 Want a head start on your financial goals this Easter? 🐇⁣⁣
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The Easter school holidays can be a great time to look into refinancing your mortgage! 💸⁣⁣
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Recent data showed that refinancers saved, on average, $1,524 per year.⁣⁣
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Over three years, that’s $4,572 in your back pocket! 🤑⁣⁣
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So get in touch today and we'll get hopping on helping find the right refinancing option for you. 🐰⁣⁣
⁣⁣
To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣⁣
*PEXA⁣⁣
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#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

⛵ Smooth sailing ahead for your 2023 reno with t

⛵ Smooth sailing ahead for your 2023 reno with these 5 tips ⛵⁣
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We’ve all heard a reno nightmare or two. But these tips can help you stay in calmer waters:⁣
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🔨 Prepare and plan - Have a plan, timeline, and to-do list to help keep on top of things.⁣
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🔧 Research tradies - Make sure your tradie is licenced and reputable to avoid headaches.⁣
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🪚 Budget and a buffer - Set a budget for your reno. And have a buffer for any added costs that creep up.⁣
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🪛 Be flexible - Supply chain snaggles and finding issues may require a deviation from plans.⁣
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👨💼 Broker on your side - having a broker like us on your side can help make funding your reno more straightforward.⁣
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Not only can we help you find a competitive rate. We can also track down flexible loans, such as a line of credit, to help cover any unforeseen costs that may crop up.⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🏡 Buying an investment property with tenants in

🏡 Buying an investment property with tenants in place? 🏡⁣
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It can mean rent rolling in from the get-go! 🎉⁣
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But there are some things you should be aware of, including:⁣
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🔑 Are there outstanding maintenance requests you’ll need to take on?⁣
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🔑 Look at the rental history and get a feel for the tenants.⁣
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🔑 Know that you’re required to honour the existing lease and adhere to the tenancy agreement. ⁣
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🔑 You can change property management if you wish to. ⁣
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If you’re planning on purchasing an investment property, give us a call. We can help you navigate the process.⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🏠 Are you looking to buy your first home in 202

🏠 Are you looking to buy your first home in 2023? 🏠⁣
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Here’s what to do to make the most of the current market. ⁣
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1⃣ See if you’re eligible for any government schemes and grants. 🤑⁣
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2⃣ Take advantage of the drop in house prices and scope out affordable suburbs. 📉⁣
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3⃣ Less competition could provide an opportunity to negotiate on price. 💰⁣
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Speak to us to find out how to get your finances and loan application ready to rock n roll. 🤘⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🐩 Keen for a more paws-itive home loan experien

🐩 Keen for a more paws-itive home loan experience? 🐩⁣
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Paw-dun the bad puns 😅 but using a mortgage broker comes with a host of pros, such as:⁣
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🦮 We’ll do the legwork for you: we don’t just find suitable home loans. We’ll apply for you, submit your paperwork, and chase things up for a smoother process. ⁣
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🐕‍🦺 No more barking up the wrong tree: we have a plethora of lenders and products to choose from. And can help you find those that are suited to your situation and goals.⁣
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🐶 We're loyal to you: give the bank's loyalty tax the flick. We can regularly review your rate with your bank for you. ⁣
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So if you want your next mortgage application to be a whole lot less ruff, throw us a bone today. ☎⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🏠 If you don’t have a 20% deposit can you sti

🏠 If you don’t have a 20% deposit can you still buy a home? 🏠⁣
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A 20% deposit is the most well known way of securing your dream property, but there are other options that may be available, including:⁣
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✅ Government schemes: if eligible, the Home Guarantee Scheme can get you into a home with a 5% deposit and no need to pay lenders mortgage insurance (LMI). ⁣
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✅ Low deposit home loan: some lenders provide home loans with a deposit of 10%. But you’ll most likely have to pay LMI. ⁣
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✅ Ask family to act as a guarantor: this may help you dodge LMI and boost your borrowing power. But remember that defaulting on your loan greatly affects your guarantor.⁣
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✅ What's your profession?: Some professions - including nurses, midwives, doctors, lawyers and accountants - can qualify for waived LMI with a low deposit home loan.⁣
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If you’d like help finding the right low-deposit loan reach out to us today. 👋⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🌊 How to avoid rough seas when your fixed rate

🌊 How to avoid rough seas when your fixed rate mortgage ends 🌊⁣
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Those who fixed their rate have had some pretty smooth sailing in recent years. ⛵️⁣
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But with interest rates on the rise, it can be a pretty stressful time if the end of your fixed rate period is on the horizon.⁣
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So here are some tips to help you change course smoothly: 😎⁣
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💰 Have a good look at your budget and save a buffer before your fixed rate expires.⁣
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🤼 Negotiate for a better rate with your lender.⁣
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🔁 If suitable for you, refix or have a split loan if your lender allows.⁣
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🤔 Consider refinancing to get access to new customer rates and features. ⁣
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🤝 Come and talk to us! We’d love to get cracking on finding great options for you.⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au

⁣#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🏁 Australians are raring to go with a 4-year hi

🏁 Australians are raring to go with a 4-year high for car sales 🏁⁣
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The supply chain woes have seen limited stock and extended wait times for the motor vehicle industry. ⏳⁣
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But, despite this, November/December 2022 saw the strongest sales since 2018. 💪⁣
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And 2023 looks set to be the year supply chain issues ease, according to the Federal Chamber of Automotive Industries (FCAI). ⁣
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Want new wheels for 2023? Give us a call for your financing needs. 📞⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

👨💼 Switching jobs and thinking of applying f

👨💼 Switching jobs and thinking of applying for a mortgage? 🏠⁣
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A job switch may offer increased pay, better conditions and more benefits should the stars align. ✨⁣
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But will a job switch affect your mortgage application? 🤔⁣
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It can, but it isn’t all doom and gloom.⁣
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Depending on your job move and financial and employment history, the impact may be minimal. 😀⁣
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But higher-risk moves like self-employment and a new career may involve added requirements. 😅⁣
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If you’ve switched jobs and are looking for a loan, contact us today. We can help you navigate the process. 👇 ⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🔑 What do tenants look for in a rental property

🔑 What do tenants look for in a rental property? 🔑⁣
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Knowing what’s on the list can help you when shopping for an investment property. ⁣
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According to ME Bank, tenants value places that:⁣
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🐱 Are pet friendly. ⁣
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🚉 Are close to public transport and amenities.⁣
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🏫 Are close to good schools. ⁣
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🧺 Have on-site laundry facilities.⁣
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🚗 Have off-street parking.⁣
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🌬 Have AC / heating. ⁣
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If you’re in the market for an investment property, get in touch. We can help you find suitable loans, unlock equity, and more. ⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🏠 Buying a home still the number one savings go

🏠 Buying a home still the number one savings goal for young Australians 🏠⁣
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Both Gen Z and Millenials have 'buying a home' at the top of their savings list. 💰⁣
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That’s according to Canstar’s 2022 Consumer Pulse Report, which surveyed 2157 adults in Australia. ⁣
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16% of surveyed Gen Zs had both 'saving for a home' and 'saving for living costs' as top financial goals. ⁣
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While 18% of surveyed Millenials had 'saving for a home' in the top spot. With 'saving for living costs' a close second. ⁣
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Do you have homeownership as a goal for 2023? Come and chat with us and we'll help you work out your borrowing capacity. 🗣⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

🏘 Wondering what areas property investor expert

🏘 Wondering what areas property investor experts have their eye on? 🏘 ⁣
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Property prices may be taking a hit in some parts of the country, but below are five areas that could offer opportunities for investors*. ⁣
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They are:⁣
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✅ Bundaberg, QLD - rental prices have increased by 40% in the last decade.⁣
✅ Toowoomba, QLD - vacancy rates are low, and it’s only 90 min from Brisbane. ⁣
✅ Rockhampton, QLD - rental pricing is strong, and housing prices are affordable. ⁣
✅ Albury-Wodonga, NSW and VIC - low vacancy rates, affordable houses and a boost in infrastructure.⁣
✅ Barossa Valley, SA - affordable property smack dab in a famous wine region. ⁣
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Not in your area? No dramas. Remember, you can invest outside of your city and even your state. 👇⁣
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To find out more, contact Full Moon Finance on:
☎ – 1300 631 611
💻 – info@fullmoonfinance.com.au
⁣
*according to InvestorKit⁣
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#fullmoonfinance #mortgage #homeloans #mortgagebroker #loanservices #securetomorrowsdreamtoday #businessloans #carloans #finance

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