The Late Payment Problem

Applying for a mortgage for your first home is scary. The scariest thing is that there are so many things that could lead to them rejecting you.

You’ve spent an eternity on saving your deposit, let alone all the sacrifices you have made. You’ve prepared all of the paperwork and sent it over to the lender, but you never know what they may use to reject you. 

You have to account for every little detail when applying for your first mortgage. Lenders will check every aspect of your history and something as small as a single missed payment could ruin your plans.

We want to ensure that this doesn’t happen to you.

And to do that, we aim to make it as easy as possible to get your first mortgage. 

We’ll show you more about the Grants that are available to you and what you can do to get into your first property faster.

At Investors Choice Mortgages, we are passionate about helping you to get the finance you need to buy the property you deserve. 

Investors Choice Mortgages can help you to prepare your application. If you would like a copy of the “Australian Guide to First Home Buyers Grants” and details on the new scheme then download the Guide here http://firsthousebuyer.com.au/

Episode 1 of The First Home Buyers Show – The 5 Step Framework for Financial Freedom

This is Episode 1 of The First Home Buyers Show – Where first home buyers go to watch their wealth grow!

Episode 1 of The First Home Buyers Show- The 5 Step Framework for Financial Freedom

If you are someone who is looking to buy their first home… you know it can be overwhelming, and even… scary. I have a friend who told me she was terrified about picking up the phone to make the call to ask questions, and really didn’t even know who to ask.

We covered all aspects of buying your first home and show how you can make it the foundation of your financial security!

In this Episode we start with the overview of the Financial Freedom Framework

# Set It, this is about getting your one year plan and your three year vision in place, understanding what you need to do in the next 12 months to secure that property, and then what you need to do to afford it going forward. 

And then we need to:

#Set It we need to get your budget set up, know what you can afford to live off, know what you can save, make sure we do all the credit checks and get your loan set up so it’s ready for you to be able to take action when you’re ready to source it.

#Source It is knowing how much you can afford, where you can buy, and buying in the best possible place that’s going to give you capital growth and equity, so there you can move on and get on with life. 

#Slam It this is all about negotiation, this is about doing pest and building inspections, this is about conveyancers who are just gonna get it done for you so you don’t have to worry about it. This is slamming it, so that you can move on.

My secret optional segment is:

#Supersize It, this is for those people who want to live in the property, potentially renovate it, maybe throw a granny flat on, maybe make it a multi-residence for when they move out.

Then when they move out, they are going to just:

#Stash It away, because they’ve sourced it the right way, they’ve put it in the right area, so that they can actually have it making money for them. 

So that is the Framework, I’ve revealed to you the whole six segments.

AND if you want to continue the discussion please join me and the other experts in our Group https://www.facebook.com/groups/firsthomefirstinvestment/

Click here to see all the episodes > First Home Buyer Show Playlist

Reasons to Own Property

There are many reasons to own property: You get more control and you build equity. You set the stage for an investment that will benefit you for years to come.

Buying can help you to achieve the freedom you’re dreaming of. Having property allows you to stash it and get on with life.

All the while, it grows in value, gaining you the financial security you deserve.

With our help, you can make the most of your savings. We’ll help you buy your first property in one year and be out of it in two. Well not out of it completely.. You just turn it into an investment property and you can live and rent where you want to – a true rentvestor like I was for 5 years.

You’ll be on the property ladder and have an investment property that generates income.

Are you ready to step out of your day to day hum drum and into a productive new future on your terms?

Then contact Investors Choice Mortgages today to find out what you need to do to get yourself in a position to borrow the capital you need to buy your first property.

Investors Choice Mortgages can help you get yourself setup to be in the fortunate position to qualify for this initiative. Make a time to discuss your options with our dedicated team today, just book a time here for your complimentary call https://calendly.com/icm-discovery-call/fhb

Benefits of Buying Over Renting

Did you know that 30% of Australians rent property? After a few difficult years, property prices are finally back to the same level it was at in 2016. 

With so many struggling to afford to buy, now is the perfect time for you to get on the ladder firstly as a home owner and then an investor.

We know there are benefits of buying over renting. Here are three:

1. You build equity – If you buy in an area that is growing in value, then you are building equity in your property. When the time is right, you can access this equity for other major purchases, like your dream home, or the next investment property
2. Your capital grows – Over the long term, your property will grow in value, if you buy in the right location with all the right fundamentals for growth. The key is to buy in the right location at the right time.
3. You have control – Anyone who’s rented before knows how restrictive it can be. You should have the freedom to do what you want in your own home.

However what if you can buy and stash that property away whilst you get on with life and live where you want? It is a novel concept and not one that is common but it can escalate your ability to achieve your financial goals.

Investors Choice Mortgages can show you how to be a homeowner in one year and an investor in two. How?We will teach you, but it involves buying your home, accessing all the grants and discounts you can and then turning that into an investment property. Not only do you have a home (you can fall back on in the future) but you can make it an investment property in the interim and live where you want. The best of both worlds. 

If you would like to learn more about the Framework to become a ‘rentvestor’ then visit our Facebook Group where we teach each of the steps to get you to Your Property Success. https://www.facebook.com/groups/firsthomefirstinvestment/

 

Benefits of Buying Property

Many Australians avoid buying property.  People believe that they simply can’t afford to buy. Instead, they rent property just to live in the location of their dreams.

While renting may be cheaper in the short term, it gives you less control over your life and your finances.

Every dollar that you spend on rent is a dollar that’s going into the pocket of somebody else.

It’s dead money. Once you’ve spent it, there’s no getting it back. But if you own your own property, you’re building equity. 

Every mortgage payment that goes into the house gives you a little extra to work with. You keep more of the money that you spend. 

Plus, you have the option to release that equity so that you can use it to fund other purchases.

Buying gives you stability. 

You own the property, so you’re not living based on somebody else’s rules or time frames.

Investors Choice Mortgages offers a five-step framework to help you turn the tables and become an investor yourself.

With us, you can find and buy the ideal first property in six months to one year (depending on the State or Territory). 

If you would like to learn more about the Framework visit our Facebook Group where we teach each of the steps to get you to Your Property Success. https://www.facebook.com/groups/firsthomefirstinvestment/