INSIDE Harcourts 15 You could get up to $30,000, depending on the State or Country, towards buying or building your new house, unit or townhouse if all purchasers have not owned a home before. First HomeOwner Grant First HomeGuarantee Scheme Each State or Country may have eligible first home buyer schemes which can often save thousands. First HomeSuper Saver Scheme Ask your Mortgage Express broker what super contributions can be released to help buy your first home. PREPARE YOURSELF TO BE LOAN READY IN 2023 Lenders are closely looking at spending habits, comparing the budget you complete against actual statements. Of great interest is discretional spending i.e. Uber Eats, Afterpay spending, and entertainment in general. Lenders have far more information about how you manage credit, this could be great news, or not. Interest rates are on the rise, affecting repayment and borrowing capacities. ASSESS your needs and unique financial position, then recommend loan options and strategies. EXPLAIN the entire process from start (Application) to finish (Settlement). ASSIST with all paperwork required. COLLABORATE with all those involved in purchasing your home such as solicitors, real estates and lenders. CONDUCT regular reviews after settlement, making sure you are supported and still enjoying the most competitive deal for your situation. Start changing your spending habits, do you need Uber Eats that often and Afterpay? Start a savings plan. Consolidate multiple credit and store cards. Automate your bills, so nothing gets missed Go to our website to try our Loan Calculators www.mortgage-express.com.au/tools/ www.mortgage-express.co.nz/financial-tools/ What changed in 2022 We’ll work with you to: Contact Us Today 3 months of change can make all the difference and get you Loan Ready. To find out more about your credit score and to get your free report - contact your local mortgage broker How can you be Loan Ready? Grants and Schemes* If you’re a first home buyer it can get pretty confusing. There are a number of grants and incentives for first home owners including the Home Guarantee Scheme , First Home Owner Grant and First Home Super Saving Scheme - and we can help explain. VICKY DEVINE www.mortgage-express.com.au LUKE MEINTJES www.mortgage-express.co.nz You could get up to $30,000, depending on the State or Country, towards buying or building your new house, unit or townhouse if all purchasers have not owned a home before. First HomeOwner Grant First HomeGuarantee Scheme Each State or Country may have eligible first home buyer schemes which can often save thousands. First Ho eSuper Saver Sche e Ask your Mortgage Express broker what super contributions can be released to help buy your first home. I Lenders are closely l oking at spending habits, comparing the budget you compl te against actual statements. Of great int rest is discretional spending i.e. Uber Eats, Afterpay spending, and entertainment in general. Lenders have far more information about how you manage credi , this could be great news, or not. Int rest rates are on the rise, affecting repayment and borrowing capacities. ASSESS your needs and unique financial position, then recommend loan options and strategies. EXPLAIN th entire process from start (A plication) to finish (Settlement). AS IST with all paperwork required. COLLABORATE with all those involved in purchasing your home such as solicitors, real estates and lenders. CONDUCT regular reviews after settlement, making sure you are supported and still enjoying the most competitive eal f r your situation. Start changing your s e di g bit , o u Uber Eats that often a d After Start a savings plan. Consolidate multiple cr dit a d st re . Automate your bi ls, so n thi et mis Go to our website to try o r L n al ula w w.mortgage-expre s.c m. /tool w w.mortgage-expre s.co. z/fi cial- ool What changed in 20 2 We’ll work with you to: Contact Us Today 3 months of change can make all the di ference and get you Loan eady To find out more about your credit score and to get your free report - contact your local ortgage r er Ho can you be Loan eady Grants and Schemes* If you’re a first home buyer it can get pretty confusing. There are a number of grants and incentives for first home owners including the Home Guarantee Scheme , First Home Owner Grant and First Home Super Saving Scheme - and we can help explain. VICKY DEVINE www.mortgage-express.com.au LUKE MEINTJES www.mortgage-express.co.nz You could get up to $30, 0 , depending on the Sta e or Country, towards buying or building your new house, unit or townhouse if all purchasers have not owned a home before. First HomeOwner Grant First HomeGuarante Scheme Each Sta e or Country may have eligible first home buyer schemes which can often save thousands. First HomeSuper Saver Scheme Ask your Mortga e Express broker what super contributions can be rel ased to help buy our first home. Y T B s r los ly l o ing at spending habits, comparing u c plet ag inst actual sta ements. a int r st is iscreti n l spending i.e Uber Eats, t rp ing, n ent rtainment in gen ral. s a f r or i for ation about how you a edit, his ld be great ne s, or not. t r s es r on t rise, af ecting repay ent and g ities. y r e s n unique fina cial position, then recom end loan options and strategies. I t tire pr cess fro start (Application) to fin sh (Settlement). I wit all pa erwork required. E with all those involved in purchasing your home such as solicitors, real esta es and lenders. T regular reviews after settlement, making sure you are sup orted and still enjoying the most competitive deal for your situation. Start changing your spending habits, do you need Uber Eats that often and Afterpay? Start a savings plan. Consolidate multiple credit and store cards. Automate your bills, o nothing ets missed Go to ur website to try our Loan Calculators w .mortga e- xpres .com.au/to ls/ w .mortga e- xpres .co.nz/financial-to ls/ a c anged i 02 l r i ou o: Contact Us Today nt s f change can m ke al the difference and get you Loan Ready. fi t ore about your credit score and to get your fre report - contact your local mortgage broker ow can you be Loan Ready? ra ts and Schemes* If you’re a first home buyer it can get pretty confusing. Ther are a number of grants and incentives for first home owners including the Home Guar ntee Scheme , First Home Owner Grant and First Home Super Saving Scheme - and we can help explain. VICKY DEVINE w .mortgage- xpress.com.au LUKE MEINTJES w .mortgage- xpress.co.nz
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