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  • Home Loan

    Unlocking Homeownership: A Guide to Single Parent Home Loans in Australia

    For single parents across Australia, the dream of homeownership often seems like a distant reality. The challenges of raising children on a single income while trying to save for a deposit can be overwhelming. However, the mortgage market is evolving, and single parent home loans are emerging as a beacon of hope for many one-parent […]

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  • Personal Finance

    Australia’s Best Loans Uncovered: Personal, Home, Car, and Commercial

    Discover the key to unlocking the best loan options in Australia. Whether you’re eyeing your dream home, considering a new car, seeking a personal loan, or exploring business financing, this comprehensive guide is your trusted companion. We’ve distilled complex financial information into clear, actionable insights, covering a wide range of loan types and lenders. From […]

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  • Home Loan

    Loan-to-value ratio (LVR) Unveiled: Mastering the Magic Number Behind Your Home Loan

    Decoding the Loan-to-Value Ratio: Your Ticket to Home Loan Success Welcome to the world of property finance, where acronyms reign supreme and LVR is king! If you’re scratching your head wondering what on earth LVR means and why it matters, you’re in the right place. Grab a cuppa (just kidding, we know you’re drinking a […]

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About Me

As a female mortgage broker, with a successful, pioneering, and multi-award winning business, along with a husband and three young children - I understand exactly the sorts of pressures, challenges and expectation of my clients. It's no wonder that Pinpoint Finance has a perfect 5 star rating on Google! Learn More

 
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Have you been trying to time the market? Please st Have you been trying to time the market? Please stop... ⏰ Instead, focus on time IN the market. Waiting for rates to drop is a risky game... Despite higher rates, the housing market hasn't exactly slowed down like everyone expected. Prices are holding strong, which means waiting could actually be costing you. 🔹 Every month you wait to buy, you’re missing out on precious capital growth 🔹 Property values often grow way faster than any of us can save 🔹 The average house appreciates far quicker than the interest you’d earn on your savings Have you ever spoken to someone who regretted buying a house? Nope, didn’t think so. I definitely haven’t! So, rather than obsessing over interest rate changes, focus on making smart, long-term decisions. It’s all about buying solid assets, staying consistent, and letting time work its magic 💪 And here’s the thing. more people are waiting for rates to drop, so when they do, competition is gonna be fierce. So why not get ahead of the crowd? If you’re even thinking about buying in 2024, book a call with us and we can chat about your unique situation! 🏡💬 #propertyinvestment #buildwealth #realestategame #mortgagebroker #financialfreedom #investnow #mortgagebrokermelbourne
"My credit card won’t impact my borrowing power; "My credit card won’t impact my borrowing power; I pay it off every month” 💳 Let me give you some real thoughts: The bank doesn’t just look at how much you owe; they consider your credit card limit. Even if you’ve never maxed it out, it’s treated as a liability of the full amount because you could access that full amount anytime. So, if it has a $20,000 limit, it's treated as a $20,000 liability. As a general rule of thumb, a credit card limit can reduce your borrowing capacity by 6-8 times the card’s limit. 😳 So, a $20k limit could cut your borrowing power significantly! It doesn’t matter how diligently you pay it off or what you use it for; if you’re looking to secure your dream home, reducing or closing your credit card could make a big difference! *Not financial advice, but definitely food for thought if you're prepping for a home loan. 💬 #creditcardtruths #borrowingcapacity #mortgagetips #homeownershipgoals #mortgagebrokeraustralia #savvysaving
Are you juggling multiple debts? Debt consolidatio Are you juggling multiple debts? Debt consolidation might be what you’ve been looking for. Here’s why it’s worth considering: 1️⃣ Simplified payments: Managing debts is stressful as it is, let alone managing several debts with different due dates and interest rates. Our suggestion is to consolidate everything into one easy monthly payment and simplify your financial life (+ ease your stress). 📅 2️⃣ It can boost your credit score: By paying off multiple debts with a single, consolidated loan, you can improve your credit score over time. Consistent on-time payments show lenders you’re responsible, opening doors to better rates in the future. 📈 3️⃣ Lower monthly repayments: Rolling your debts into a consolidated loan (or even your home loan) can potentially reduce your monthly obligations, freeing up your cash flow and easing financial pressure. 💸 4️⃣ Faster debt payoff: A streamlined repayment plan might help you pay off debt faster than making minimum payments on multiple high-interest accounts. ⏩ Debt consolidation isn’t a one-size-fits-all solution, but if you’re feeling overwhelmed by debt, it could be the right move. Want to see if it’s a fit for you? Book a obligation free call today 💬🤝 #debtconsolidation #financialwellbeing #moneymoves #refinancetips #mortgagebroker #debtfreejourney #budgetinghelp
Considering investing? Why not invest in multi-uni Considering investing? Why not invest in multi-unit properties? I know it's sounds like a lot but has some serious perks. Let’s break it down: 1️⃣ Steady rental income: Let's start with the best part first, there's multiple units, which means multiple rent payments coming in. It’s not like a single-family home where you're relying on just one tenant to pay up, it's from multiple units. 2️⃣ Buying in bulk; property style: We all know buying in bulk can save money on groceries, but did you know it applies to property too? By purchasing several units under one roof, you can save big on maintenance costs and even get bulk discounts on renovations. Less hassle, more savings. 🙌 3️⃣ Stability & diversification: Investing in a multi-unit property spreads your risk across different tenants. So, if one unit is vacant or the market takes a dip and you can't rent it out, the others can keep the cash flowing. It’s like having a safety net in property form. Diversification is key! Thinking of making your next move in property investment? DM us INVESTING and we will send you our investor checklist 🏢💸 #propertyinvestment #multiunitproperties #buildwealth #diversify #rentalincome #mortgagebrokeraustralia #investwisely
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© Copyright Pinpoint Finance 2014-2024. Edwena Dixon is a Credit Representative, No.443473 of Mortgage Specialists Pty Ltd ACN 050 601 093 (Australian Credit Licence No.387025).