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Finance Specialists

Name: Finance Specialists
Address: Traralgon, VIC, AU
Telephone: +61433428201

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Traralgon, VIC
Finance Specialists

Money Quest I Warragul I Pakenham
Serving Latrobe Valley, Gippsland, Melbourne, Australia Wide

Money Quest Warragul & Pakenham
Serving Latrobe Valley, Gippsland, and all across Australia.
✨ Specialising in Residential & Commercial Loans ✨

11/06/2025

Mortgage broker market share reached a new milestone in the March 2025 quarter, with mortgage brokers settling 76.8% of all new residential home loans — the highest market share recorded to date according to the latest data from research group Cotality’s Comparator, commissioned by the MFAA.

“Mortgage brokers are key to ensuring a competitive mortgage market, where consumers have access to choice and consumer protections, including the unrivalled mortgage broker best interests duty (BID).

“These results clearly demonstrate that the broker proposition is highly and increasingly valued by Australian borrowers.

“In our view, every borrower or prospective borrower should see a mortgage broker for the benefits that brokers provide – including personalised support and access to a wide range of lenders and products. “

20/05/2025

Great news for homeowners and buyers! 🎉
The cash rate has been cut to 3.85%, offering you a chance to potentially lower your monthly repayments or making your dream of buying a home more achievable.
Read more: https://www.moneyquest.com.au/.../what-does-the-rbas.../
Don’t wait, connect with your MoneyQuest broker today and take the first step toward financial savings or homeownership!

13/05/2025

🏡 Start Your Home Journey
"Home is where the heart is, and the heart is where love lives."

But these days, even thinking about buying your first home can feel overwhelming.

❌ Interest rates seem too high
❌ Property prices feel out of reach
❌ The news is full of uncertainty
❌ Inflation, cost of living, fear of the unknown...

🎧 It’s a lot of noise. And it can paralyse even the most determined buyers.

But here’s the truth:
It’s not easy — but it’s not impossible.

✅ First Home Buyer schemes
✅ Government grants and incentives
✅ Parental guarantor options
✅ Stamp duty concessions
✅ Shared equity and low-deposit solutions

You don’t have to figure it all out alone.

📩 Let’s chat — no pressure, no obligation.
I’ll help you understand your options and create a plan that works for you.

👉 Your dream home might be closer than you think.
Let’s start your home journey today.

09/05/2025

💸 Think you’re paying off your loan with Principal & Interest?
Not really... at least not for the first 15–20 years.

Example:
🏠 $500k loan | 6% rate | 30 years | $3,000/month
In 5 years:
→ Only $34k off the loan
→ $145k to the bank in interest 😳

But if your $600k property grows just 10%,
you make $60k in equity 📈
vs only $6k paid off in Year 1 🤯

✅ Go interest-only
→ Boost cashflow
→ 100% tax deductible
→ Save for the next deposit quicker
→ Play the long game smart 💼

Moral of the story:
🏠 Property grows in value far quicker than you can pay off the debt in the early years.
💡 Use that growth to your advantage, instead of racing to pay down principal too early.

This is general information only and based on commonly observed loan structures and investment strategies. It does not constitute financial advice. Please speak to your accountant or financial adviser to determine what’s appropriate for your situation.

06/05/2025

Home values are still on the rise! 📈
The National Home Value Index saw its third month of growth in April, with prices up 0.3% adding around $2,720 to the median home value across Australia.
Every capital city joined the party, with Darwin leading the way (+1.1%), and Sydney and Melbourne seeing smaller bumps of 0.2%. Growth was a bit slower than March’s 0.4%, though, as sentiment cooled and auction clearance rates dipped.
Thinking about buying, selling, or investing? Reach out today to discuss your options!

02/05/2025

Stepping into your first home feels like a dream... but the paperwork, budgets, and 'what-ifs' make it a rollercoaster.
Here's to conquering the chaos and making it yours:
• Start Saving Early
• Take Advantage of Government Grants & Incentives
• Talk to Others
Read more: https://www.moneyquest.com.au/.../first-home-buyer.../
Ready to take the next step? Contact us today and start your journey toward homeownership!

30/04/2025

🚨 Property Price Alert! 🚨

House prices could soar by $100K after the election! 🏡📈

A political party has claimed that both Labor and the Liberals’ first-time homebuyer schemes could end up adding huge amounts to house prices.
Amid predictions that the policy changes could simply fuel inflation in the housing market, a new analysis has warned of projected increases.

25/04/2025

Lest we forget the courage, sacrifice, and spirit of our ANZAC heroes.
Honouring those who served and continue to serve for our freedom. 🌿

22/04/2025

Are Rate Cuts Coming Soon? 📉
Major Banks Predict Interest Rates Drop.

Get a quick loan health check — it could be overdue!

13/04/2025

What is split loan?
how do split loans work?
What are the potential benefits of doing split?

A split loan is when your home loan is divided into two (or more) parts, each with different features — usually a fixed and a variable portion.

🎯 Split Loan Strategy — Save Smarter, Not Harder!
Imagine you’ve got a $600,000 home loan. Instead of going all fixed or all variable, you split it:

💰 $400,000 Fixed @ 5.8%
🔄 $200,000 Variable @ 6.2% (with Offset)

Now here’s the magic:

✨ By parking $50,000 into your offset account (against the variable portion),
you could save 💸 over $30,000 in interest across the life of your loan.

🔍 Why go Split?
✅ Lock in a low rate for peace of mind
✅ Use offset on variable side to save interest
✅ Make extra repayments (on variable portion)
✅ Balance flexibility with stability

10/04/2025

NAB tips sharper RBA easing with 4 more cuts this year.

National Australia Bank (NAB) has updated its cash rate forecast, now predicting the RBA to ease rates more quickly through mid-2025, taking the cash rate to 2.6 per cent by February.

The major expects the RBA to cut rates by 50 bps in May, followed by 25 bps in July, August, November, and February.

The new forecast, made on Thursday (10 April), came hours after US President Donald Trump unveiled a 90-day pause on plans to hike tariffs on most countries except China, a dramatic U-turn after days of market turmoil and recession warnings.

08/04/2025

National Growth: Property values increased by 0.4% over the month, marking the second consecutive month of growth following a brief three-month decline where values dipped 0.5%.

Capital Cities Performance:

- Sydney: Values rose by 0.3%, bringing the median property value to approximately $1,190,616.

- Melbourne: Experienced a 0.5% increase, with a median value around $781,318.

- Brisbane: Saw a 0.4% rise, reaching a median value of $899,824.

- Adelaide: Led with a 0.8% increase, bringing the median to $827,675.

- Perth: Recorded a 0.2% uptick, with median values at $806,205.

- Hobart: Was the exception, experiencing a -0.4% decline, adjusting the median value to $657,059.

- Darwin: Notably, values increased by 1.0%, with a median value of $519,287.

- Canberra: Values edged up by 0.2%, reaching a median of $854,398.

Regional Areas: The combined regional markets outperformed the capitals with a 0.5% increase, leading to a median value of $666,830.

Address

Traralgon, VIC

Telephone

+61433428201

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