Monday, 12 December 2011

Auctions right up until Christmas especially for First Home Buyers

To help First Home Buyers buy a property before the end of stamp duty exemptions, there are auctions scheduled right up until the Wednesday before Christmas.  Read more

So there's still time if you get your skates on!

Start planning your inspections for this weekend - there's lots of great property on the market, and buying before the end of the year will save you thousands on stamp duty.

If we can help with your finance, please call 9212 2275 or email.

Check out our website for lots of handy tips and tools too.

Wednesday, 7 December 2011

Christmas present from the RBA

Great news from the RBA yesterday with a rate cut of .25%, bringing our cash rate down to the levels it hasn't seen since April 2009. Check out what the media is saying...

This is just one more reason to buy property now!  Rates are great, the banks are competitive, there are some good properties on the market with vendors keen to sell before Christmas.

If you're a First Home Buyer - if you exchange contracts on an established property by 31 December 2011, you will still be entitled to the stamp duty concessions available from the State Government - which could save you up to $18,000.  In the new year from 1 January this will end!  So don't miss out - buy now!

If we can help you with your finance, please call 02 9212 2275 or email.  Check out our website for lots of handy tips and tools.

Thursday, 1 December 2011

It's never been a better time to buy!

A call to action for first home buyers!

You've got this month only to enter into a contract to purchase a property, or you will have to pay stamp duty from 1 January on an established property.

That is $18,000 on a $500,000 purchase, which we would much prefer going towards the purchase of your property than giving it to the tax man courtesy of the NSW State Government.

With stamp duty exemptions ending, prices are bound to increase as demand builds and the banks are competitive - so if you haven't already started serious house hunting, start now!

Call us on 02 9212 2275 or email to make sure your finance is in order so that you can confidently negotiate or bid at auction, knowing that everything is in place for you to finalise your purchase.

Check out our website for lots of handy tips and tools.

Thursday, 24 November 2011

Confidence returns to the market

We love hearing good news that is supported by facts and figures - and that's exactly what we're hearing about the property market at the moment.

The job market is improving, unemployment is dropping, interest rates have fallen, market activity is increasing as is consumer confidence. 

"Positive signs continue to emerge for the Sydney housing market. With the recent fall in official interest rates being passed on by most banks to mortgage holders, the market is set to continue to strengthen."  Read more from SMH

It's a great time to get into the property market, to upgrade or invest.

If we can help, please let us know, by email or call 9212 2275.  There's also some great tools and tips on our website.

Friday, 18 November 2011

The time is now!

This is always such a busy time of year and if you want to be in your new home for Christmas, you need to maintain focus and get shopping!

The time is right to buy: interest rates have dropped, the lenders are competitive, there are lots of great properties on the market, and mostly, they are priced right.


Check out media reports about Spring Surge in Buyer Activity - and start planning your Open Houses for the weekend.

I'd love to help with finance, so please call 02 9212 2275 or email.

Our website has lots of tools and info to help you along your journey.

Have fun!

Friday, 11 November 2011

Solid foundation for Sydney market

More great news in the media this week about the Sydney property market!

"Sydney's housing market is still relatively subdued but resilient, with the prospect of increased activity for the rest of the year."  Read more

Call me on 02 9212 2275 if I can help arrange finance.  It's a great time to buy property!

Our website has lots of handy links and tools too.

Wednesday, 2 November 2011

Interest Rate News Flash!

Rates are down for the first time in a year. 
What does that mean for you?

First home buyers:

It's never been a better time to buy!  Stamp duty exemptions for established homes will end on the 1st of January 2012, prices are bound to increase as demand builds and the banks are competitive - so if you haven't already started serious house hunting, start now!

Call us to make sure your finance is in order so that you can confidently negotiate or bid at auction, knowing that everything is in place for you to finalise your purchase.


Investors:

With interest rates down, house and apartment prices are sure to rise as demand grows, so it's vital that you get in early to beat the price rise.  Both NSW & Queensland governments have great incentives to invest in new builds under $600K, and there's tons of other opportunities that are ready and waiting.

Call us to find out more about these incentives and opportunities, or join us for our Investment Seminar on Wednesday 9th November at 6pm at Swisshotel in Sydney. Follow this link for more details or to book your seat.


Next home buyers:

If you're thinking about your next home, get in early before the prices go up and the differential between your current home and your dream home increases.  The interest rate drop means that there will be an increase in market activity, buyers wil become more confident and the banks are already competitive, so it's the perfect opportunity to take that next step.

Give us a call if you want to have a chat and we can run some scenarios to calculate your borrowing capacity and arrange pre-approval so that you're ready to go when you find that property.



Whether you're just taking your first step into home ownership, upgrading your family home or building your portfolio of invesment properties, we're always happy to help arrange your finance so that it's best suited to your current and future plans.


Drop us an email or call us on 02 9212 2275.  Make sure your money is ready when you are!

Check out our website for some great tools to help you along the way.

Please feel free to pass our eNewsletter on to family, friends and colleagues who are in the market for a new property.

Happy house hunting!

Regards

Philip

Friday, 21 October 2011

Buyer's market

Sydney house prices are largely holding ground, but it's still a buyers' market because there are a large number of properties for sale now.  Read more

It's a great time to buy your first home, upgrade or invest!

If you want to find out about investing, I am holding an Investment Seminar in conjunction with Blue Wealth Property on November 9 in the Sydney CBD.  Click for event details

If you want to find out more, please email me at philip.sangster@mortgagechoice.com.au, or click on this link to book your seat now.
For some great tools and tips, please check out our website or call me anytime.

Have a great weekend in this spring sunshine!

Thursday, 13 October 2011

Experts say the forecast is great!

I'm really excited by the research released this week from BIS Shrapnel in the QBE LMI Housing Outlook.

They found that "Stable interest rates and improving economic conditions will drive rising house prices in the next three years, with Perth and Sydney leading the way."

QBE Lenders' Mortgage Insurance (QBE LMI), which supports lenders, has forecast price growth of up to 20 per cent in Sydney and Perth as business and consumer confidence improves.

Confidence among first home buyers and renovators is expected to improve and lead to residential price growth in the next 12 months, QBE LMI said in a housing outlook report."

Read more in SMH or call me on 02 9212 2275 if you want to get in and organise your finances to buy before the prices rise.  It's a great time to buy property!

Our website has lots of handy links and tools too.

Friday, 7 October 2011

Sydney is on the top of market stability ladder

The housing market is well and truly warming up.  Auction clearance rates have lifted to about 60%, interest rates have remained stable for 11 months, lenders are competitive and there's some great properties for sale!

Read more about the stability of the Sydney property market

Whether you're thinking of investing, upgrading or entering the property market, now is the time to make a move... especially if you want results before the end of the year.

If we can help, please call 9212 2275 or email philip.sangster@mortgagechoice.com.au or check out our website for lots of great tools to help figure out your finances.

Friday, 16 September 2011

Property appetite hits two-year high


Stable interest rates and consumer confidence are leading people into the property market.  Westpac Chief Economist, Bill Evans found that consumers who believe now is a good time to buy a dwelling jumped 15.1% to its highest level in two years.

Read more

So don't miss out - get shopping in the sunshine this weekend, and if we can help ensure your finances are right, please call 02 9212 2275 or email

Our website has lots of handy links and tools too http://www.mortgagechoice.com.au/philip.sangster

Wednesday, 7 September 2011

First Home Buyers - Buy now or miss out!

For First Home Buyers, the NSW government is removing the property stamp duty exemption on existing dwellings, which means if you want to buy an existing apartment or house up to $500,000 you will save around $18,000 if you buy before 31 December 2011.

If you - or any of your family, friends or work colleagues - are First Home Buyers and have been thinking of getting into the market and want to buy an existing property (not brand new) then act now and call Philip on  9212 2275 to discuss your options!

There is a huge financial incentive to buy before the end of the year.  Take advantage of this Spring season to get in the market!

Wednesday, 31 August 2011

We're here to help!

When you're buying a new property there are lots of things to think about:
  • where will I buy?
  • what can I live without and what must I have?
  • what can I afford?
  • how much will my repayments be?
  • what about stamp duty?

We're really happy to tell you that help is just an App away!  If you have a smart phone, download the new Mortgage Choice Home Loan Helper app - free from iTunes.  It will give you a guide on your borrowing power, loan repayments and stamp duty.

So now you can focus on what you want, and we'll help with the finance.

As always, to discuss your personal circumstances in detail and work out your borrowing power accurately, or to simply work through purchasing scenarios, please call me on 9212 2275 or check out our website.


Thursday, 25 August 2011

Are you getting the best deal?

It's really important to take stock of your mortgage.  Do you have the right type of home loan for you? Have you got the best deal?  Have you thought about any lifestyle changes that are likely within the next 12-24 months?

There's never been a better time to get a good deal from the lenders - even the media is telling us to check that we're getting the best deal.

Call Philip 02 9212 2275 for a free home loan health check if you have an existing mortgage, or if you simply want to know what your borrowing capacity is and start the path to property ownership.

Check out our website for more information.

You find the house, we'll find the loan! 





Wednesday, 17 August 2011

Investors are being told to buy NOW!

We've been saying it for a little while now and the media is catching on...

As reported in The Adviser (Industry news for mortgage and finance brokers), "With property prices at the bottom of the cycle, investors are being told to buy now.

Australian Property Monitors senior economist Andrew Wilson said investors should not be put off by trouble abroad, as the Australian economy is, by and large, stable."

If you need help finding the right property or securing your finances, or just want to have a chat about your own circumstances, please call!  9212 2275

For more information, please go to our website.

Wednesday, 10 August 2011

Buy now for Christmas!

We may feel like we're still in the depths of winter, with summer and Christmas seeming like they're miles away, but if you want to be in your new property by Christmas, now is the time to be buying.

Sometimes we can be lucky and find the perfect property at first inspection, sometimes it takes longer. 

While you are out looking at properties, check out possible repayments and stamp duty costs via our iPhone app.

Download it today!

To discuss your own circumstances in more detail please call me on 9212 2275 or check out our website for more info http://www.mortgagechoice.com.au/philip.sangster

Friday, 5 August 2011

Rates Race

On Tuesday the RBA announced that the cash rate would be held at 4.75%, and there's always lots of speculation about what interest rates are doing.  Despite what you read, the facts and figures tell the truth - look at this graph in this article.

The long term average for interest rates is 7.5% and we are still below the long term average, with variable rates today around 7.00%
So even with 2 more rate rises, that will take us to the long term average.


Don't be frightened by the media - it is a good time to buy!

Give me a call if there's anything I can do to help secure finance on 9212 2275 or check out my website http://www.mortgagechoice.com.au/philip.sangster.

Happy house hunting!

Friday, 29 July 2011

Make the house hunt easier!

House hunting can be hard work.  It’s a big decision and there’s often competition for the property that you have set your heart on.  You often spend the week searching online and planning your Saturday inspections and when you find the perfect property, you sit with baited breath hoping that your offer is accepted.

It doesn’t have to be so hard!  Sometimes you need to expand your thinking, sometimes you need to enlist some help.  Check out this article in SMH about Smart Buys to get you thinking outside the square, or think west - reportedly the Property Hot Spot, and if you need some help Ruby Reports can give you an impartial expert opinion on the property you’ve got your eye on.  Please let me know if you would like an introduction to Ruby Reports or any other experts within this field.

As always, we’re here to help with your financial needs, so give us a call to make sure your money is ready to go when you are!  9212 2275 or check out our site at http://www.mortgagechoice.com.au/Philip.Sangster.

Have a great weekend!

Wednesday, 20 July 2011

Buyers are on the move!

Auction clearance rates and ABS figures are telling us the same story... the market is picking up, more buyers are buying and confidence in the property market is increasing.

There's lots of great properties out there whether you're buying at the top, middle or bottom of the market, for your home or an investment.  

Read more in this article.

And in the meantime, get online or on the phone, and start scheduling your weekend inspections.

Call us when you are ready to organise your finance, and check out our website for quick access to calculators.

Friday, 15 July 2011

Things are looking up!

If you're in the market for a property, now is the time to act.

Auction clearances rates are rising, home loan applications are increasing, the supply of property is high and some people are playing it safe and waiting to enter the market.

They are missing opportunities!!

It's time to act now.  Get in before the rest catch on to what they're missing out on.

If we can help, please call or email.  We have tons of trusted connections within the industry, so in addition to the finance if you need help buying, planning, insuring - anything to do with buying a home, we will point you in the right direction.

Happy house shopping!


For more information on Mortgage Choice in the Eastern Suburbs, please check out our site

Thursday, 7 July 2011

Sydney real estate market is thawing out!

The real estate market in Sydney is showing signs of getting stronger with an increase in buyer activity.

Read more in this article from Sydney Morning Herald.

Don't miss your opportunity to get into the market early, and if we can help, please call me on 02 9212 2275 or email philip.sangster@mortgagechoice.com.au.

For more information on Mortgage Choice in the Eastern Suburbs, please go to our website.

Have a great weekend, get out to those open for inspections, and get ready to buy!

Wednesday, 29 June 2011

Thoughts become things...

So Choose the Good Ones


This has to be one of my favourite quotes.  It's a great reminder of the power of our thoughts and our mindset.

If we think good stuff, focus on the possibilities, dream, plan, set goals, surround ourselves with positive, successful people - it's can't help but have a positive effect on us.

Our attitude is a choice, just as our thoughts are.

So make them good.  You'll have a much better day!

Friday, 24 June 2011

Ready... Set...

Buy!

Once again there more talk in the media and amongst the industry experts telling us it's time to buy.  Property demand is outweighing supply, prices are dropping and there are some great opportunities to be had. It is a buyer's market.

If you've been sitting on your hands, get up and get into the market.

 If you haven't got your finances sorted call me NOW!  You need to know your numbers and be ready to go when you find the right property.

If you need a buyers' agent, financial advice or loan advice, please let me know.  If I can't help, I have a great network of experts ready to share their knowledge.

Happy house hunting! Call us if we can help on 9212 2275.

Friday, 17 June 2011

Beat the Spring Rush!

We all know that winter is a bit of a hibernation time.  Things slow down and we tend to do more indoors than out.

But that's what everyone else does - so break the mould and get out and look at property this weekend!

We're recently seen an increase in auction clearance rates and the indicators are predicting that the property market is heading for a revival in spring.  Values are steadily rising for owner-occupied homes and the rental market remains tight for those who are thinking of investing. Check out this article in SMH for the facts and figures.

Get a jump on the crowds and possible price increases by doing your research and buying now.

If you need advice on investing, buying or finance, as always, we're happy to help or to point you in the right direction.

Thursday, 9 June 2011

It's what they're talking about



If you're in the world of property at the moment, all they're talking about is that it's a buyer's market.  Prices are falling, supply is good and the forecast is positive.  SMH states that Hope is on the horizon and Australian Broker News claims Investors lead May revival.

Vendor discounting and healthier rental growth are two factors that Mortgage Choice claims  to support the increase in interest from investors.

But it's not just a market for investors... it's perfect for first home buyers too.

Please give me a call if you want to chat about your current position or if you need some advice.  We have great partners who can help you with finding the right investment property, structuring your Super or financial planning.   Our lenders are offering some great deals - so if you want to do something, now is the time.  Don't just think about it ...


9212 2275 or philip.sangster@mortgagechoice.com.au

Monday, 6 June 2011

5 Secrets of Successful People



This week I thought I'd share something I came across during the week that resonated with me. Clinical psychologist Professor Trevor Waring revealed the five things that successful people do - and urged delegates at the MFAA National Convention to adopt all or some of these traits in order to survive.
Professor Waring, from the University of Newcastle, gave an amusing and insightful talk, which centred on how to deal with the stresses and strains that life places upon each and every one of us.
The exponential growth that we are seeing in the world, particularly in relation to technological advancement, has led to a severe lack of connection, said Professor Waring.
The five things that successful and happy people have in common, as revealed to the MFAA convention delegates, are:
1. They take time for themselves. At least four hours per week are spent doing something they enjoy, and they do by themselves. Whether it's playing golf, boating or knitting is irrelevant - what matters is you make time that's genuinely for you. If you don't have things to look forward to in the short, medium and long term, then you'll be bored.
2. They have time for a mate. They are in positive, supportive relationships, and they nurture that relationship.
3. They belong to a group of friends that positively reinforce them. That group of friends is from outside of work - otherwise they talk shop. Professor Waring asked the question, "If you were in hospital, outside of your family, who would come to visit you?"
4. They do something charitable or some community work on a regular basis. It makes them feel good and positive about themselves.
5. They conduct a life review. Are their relationships, work and life what they want? They have an idea of where they want to be in the future. They'll assess whether they are excited when they get up in the morning, or if they are stuck in a rut - and if it's the latter they'll do something about it.
So let's get busy being successful - and call me for assistance in being successful with your next property purchase - it is certainly a buyer's market out there...!

Thursday, 26 May 2011

It's time to get into the game


Sometimes we just want to wait until the time is right to do something.  Sometimes we just keep waiting.  And waiting.  And waiting... as though we are waiting for all the planets to be aligned before we can take action.

With buying property, there's lots that you can wait for... waiting for the job promotion, pay rise, saving your deposit, change in market conditions, economy, interest rates - lots of things.  But the facts are that while you're waiting you can be missing opportunities.

The property experts are saying that it's a buyer's market, especially in Sydney and Brisbane.  There's population growth and high employment, both of which create a demand, but there's even more on the supply side of the equation - homes and apartments for sale that aren't moving too fast, so prices are negotiable.

SMH reports that properties on the market has doubled compared to the same time last year.  Cameron Kusher, research analyst from RP Data claims that the current vendor discounting trend signals that it's a good time to buy

So this weekend, get out, get amongst it, go see those Open Houses - or if you value your weekends too much to be pounding the pavement, find a buyers agent (or contact us for a recommendation), and get buying!

Happy house hunting!  Call us if we can help.  9212 2275

Saturday, 14 May 2011

The news is good - It’s a buyers’ market


It’s pretty easy to get lost in all the noise about the property market, interest rates, the economy...  But the good news is that it is definitely a buyers’ market in Sydney and Brisbane.

On Friday morning I went to an Australian Property Update with one of our key research partners and there are some great opportunities available in both Sydney and Brisbane.  I’m really excited about these markets and positive about the outlook.

SMH is talking about Single Women Living the Australian Dream, which is fabulous.  We just want everyone to be able to live their dream, whether it’s to buy a home to live in or to build your property portfolio.

Call me or email to find out more about buying or investing strategically in these markets.

Friday, 6 May 2011

RBA leaves interest rates on hold


Good news and a sensible decision from the RBA this week.


Following their meeting on Tuesday, the RBA decided to leave interest rates on hold for another month.  Some commentators believe interest rates will stay that way for a while, as discussed by Michael Pascoe in the Sydney Morning Herald.  Read more

Friday, 29 April 2011

Welcome!

I want to make things simple!


There is so much information in the marketplace to sift through when you're buying a property. Speculation about interest rates, forecasting of property values, conflicting opinions on the best place to buy - and then you have to decide what type of loan to get.  Who to go with, whether flexibility is more important than low fees, whether to fix, how much to fix - and then there's the paperwork and appointments, following up and hoping that everything comes together in time for settlement.

It can all sound so hard - but it doesn't have to be.

I'm going to be sharing good information from reputable sources, pass on tips from experts, keep you updated on rates, bank offers and anything else that comes my way that I think could help you.

So stay tuned, let me know if there's anything in particular that you'd like to hear about - and if you want to chat about your mortgage needs, give me a call on 02 9212 2275 or email philip.sangster@mortgagechoice.com.au.