3D Finance Group

To guarantor or not to guarantor... 🤔 Helping out your children by guaranteeing their mortgage can help get them out of your hair and into their own home sooner, but how will it affect your finances? Get in touch to discuss the pros and cons of allowing the kids to lean on the bank of Mum and Dad. #3DFinance #3DF #3DFinanceGroup #finance #property #melbourneproperty #melbournerealestate #realestateau #melbournebusiness #melbournecbd

According to CoreLogic’s January Home Value Index report the value of Australian homes rose 8.1% in 2023 📈🏡 Want in? Let's chat property options 📲 #3DFinance #3DF #3DFinanceGroup #finance #property #melbourneproperty #melbournerealestate #realestateau #melbournebusiness #melbournecbd

An exit strategy is basically a backup plan to give the lender assurance you'll be able to pay back the entire loan by the end of the loan term – usually 30 years. If you're securing finance later in life and are closer to retirement, the lender will want to understand how you'll be able to pay back the loan once you stop working. Possible exit strategies include: - Selling an investment - Downsizing the property - Using superannuation - Relying on a passive income source So, if you're worried you're too old to secure finance, speak to us to understand your options. Where there's a will, there's a way! #3DFinance #3DF #3DFinanceGroup #finance #property #melbourneproperty #melbournerealestate #realestateau #melbournebusiness #melbournecbd

Getting into the property market is no easy feat, and a lot of parents - understandably - want to give their children a leg up. Here are four ways you can potentially help your children start climbing the property ladder: - Give them money for a deposit - Loan them the money for a deposit - Become a guarantor on their own loan - Buy the property together Have you helped your children buy their home, is it something you're thinking about, or do you think it's best to leave them to it? #3DFinance #3DF #3DFinanceGroup #finance #property #melbourneproperty #melbournerealestate #realestateau #melbournebusiness #melbournecbd

Is a fixed interest rate right for you? A fixed interest rate provides peace of mind with predictable monthly mortgage payments, but comes with the potential drawback of paying a higher rate if interest rates fall. Contact us to weigh the pros and cons and make an informed decision on the best mortgage for your needs. #3DFinance #3DF #3DFinanceGroup #finance #property #melbourneproperty #melbournerealestate #realestateau #melbournebusiness #melbournecbd

If you're a sole trader looking to secure a home loan, then one of the best things to do before you apply is to make sure you're keeping your business finances separate from your personal finances. This allows the banks to get a clear view of what's what, and also shows them you're running a professional operation. After all, nothing screams 'I'm just winging it' more than personal credit cards maxed out on business expenses. We also suggest getting in touch with us at least 6 months before you intend to apply for your loan, so we can give you some insight into how the banks may look at your situation. Get in touch to learn more. #3DFinance #3DF #3DFinanceGroup #finance #property #melbourneproperty #melbournerealestate #realestateau #melbournebusiness #melbournecbd

You didn't get into business so you could spend your days chasing up unpaid invoices. If you're finding you're struggling to keep on top of cash flow, then it may be worth considering invoice finance. Invoice finance can release precious cash flow. Don't let slow payers hold your business back. Get paid today. #3DFinance #3DF #3DFinanceGroup #finance #property #melbourneproperty #melbournerealestate #realestateau #melbournebusiness #melbournecbd

We get it, not every business is cookie cutter - yet a lot of the banks expect you to be. Low-doc business loans can be a good solution for those times your business doesn't fall neatly within the usual criteria, and are generally available to established businesses. Get in touch to find out if you qualify. #3DFinance #3DF #3DFinanceGroup #finance #property #melbourneproperty #melbournerealestate #realestateau #melbournebusiness #melbournecbd

Buying a car can be an expensive undertaking, which is why a lot of people will take out a car loan. Here are our top 3 tips: - Figure out how much you can afford to spend – and make sure you factor in all the costs of running a car, like insurance, maintenance and fuel. - Secure pre-approval – so you can head to the dealership and shop with confidence, knowing exactly what you can spend up to. - Do your research – or get us to do it for you! We have access to more than 40 lenders so can find you a competitive offer. Want help? Get in touch to get started. #3DFinance #3DF #3DFinanceGroup #finance #property #melbourneproperty #melbournerealestate #realestateau #melbournebusiness #melbournecbd

70% of home loans go through a broker these days, but we want to reach the rest of you. Why? Because a home loan is one of the biggest financial decisions many people will ever make. There are hundreds of loan options out there, and the difference between Loan A and Loan B can cost you thousands. Get in touch today for help selecting what's right for you. #3DFinance #3DF #3DFinanceGroup #finance #property #melbourneproperty #melbournerealestate #realestateau #melbournebusiness #melbournecbd