Are you getting the best value from your home loan?
If you don't know the answer to that question, then it's time to review your home loan structure, now.....don't delay! Call me now on 0400 649 700
HAVE YOUR PERSONAL CIRCUMSTANCES CHANGED?
Did your personal circumstances change in any way? For example, are you recently single or newly partnered? Have you recently had a baby, or taken out a personal loan for a car? If so, you need to consider whether your home loan affordabilityhas been compromised by the change in circumstances.
RESULTS REVIEW : ANALYSE & REVIEW YOUR INVESTMENT RETURNS
If you have investment property/s, it’s a good idea to compare your goals for the property/s with the actual results achieved in the last twelve months. For instance, did your investment property/s result in the desired negative gearing strategy you wanted? Are you getting the maximum tax offsets from the property/s you own? Did your property/s become positively geared due to rent increases and paying the home loan down? Does it make sense to make any changes, such as fixing your loan?
FUTURE GOALS/NEEDS HAVE CHANGED
Finally, you need to be sure that the structure of your home loan is meeting your current and your future needs. Consider whether your loan is set up in such a way that it minimises the interest you are liable to pay, and it helps you reach your financial goals. If you’re not sure, it may very well be the best thing you have ever done, to sit down with an experienced and qualified home loan professional to discuss the various options, cost estimates and anticipated result outcomes.
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Call me if you want an obligation free Personal Finance Review of your Home Loan and Total Debt!
I have had Personal Finance Reviews where I can't improve on the home loan structure, interest rates and loan features......because few people do have the right product, the right structuring, and at the best interest rates. Maybe 1 in every 15 Reviews!!!!!
If you have had your home loan/mortgage for 3 years or more, let me check it out to see if it's serving your needs and costing you as little as possible! Are you paying annoying account management fees.
Lenders are bringing out new products every month...even home loans that give you a bigger discounted rate the longer you keep it to a maximum of 0.8% discount for the life of the loan...no monthly fees or charges. Does your loan compare with this?
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