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"Many thanks to the Team at Finance and Mortgage Solutions which helped me to secure my bank loan without any fuss."
With the entrepreneurial spirit taking off over the last few years, more and more people are setting up shop from home. If you’re after the flexibility of a career from home this New Year but don’t know where to start, check out some of the great ideas below. #WorkFromHome #PartTimeJobs #EarnMore#OwnBusiness #NewYear #Entrepreneur
1) Get Writing
Great content is always in high demand, and as content is often not needed 9–5, five days a week, many companies prefer to hire freelancers specifically during their high-demand periods. Look for blogging or freelancer sites to find out what the contract or hourly rates are. Do you love to travel and want to share your knowledge? Start Blogging and earn your next holiday.
3) Cooking & Baking
Yes, that’s right; you can cater to specific tastes and cuisines. With more and more couples working longer hours, the demand for home cooked food is on the rise. Home cooked food is perceived as a healthier alternative to eating out. You can also try Ironing clothes or clothes alterations.
4) Mystery Shopping
There are plenty of organizations that will pay you for your opinion. Get paid in shopping coupons or have money credited into your account. Get paid for shopping or even eating out! Talk about having a cake and eating it too!
5) Rent a Room
If you have the space, a great way to make money from home is to let it be someone else’s home too—not permanently of course! Airbnb has caused a tourism revolution- with people all over the world opening their homes and spare bedrooms as affordable accommodation. If you’re going to do it though, do it properly. The best way to do this is by achieving glowing references from guests.
Read other ideas on Facebook.
How to make the most of a small renovation?
Budget Renovation
Purchasing a home is a big expense and unless you have built a new home, the expense does not end at simply buying the home. The following are the top 3 most popular and value adding renovations you can do for your home. They just happen to also add comfort and style as well. #renovation #refinance #homeowner #Firsthomebuyer #newhome #homeloan #mortgage
1) Kitchen
The kitchen is where the family and guests often spends the most amount of time. Unfortunately, it is also one of the most expensive rooms in the home to renovate. As kitchen cabinetry trends go in and out of style within a decade it can often be the one area of your home that can look dated quickly. An updated paint job will bring warmth to this heart of the house.
2) Wooden Deck or Alfresco
When home buyers look at houses, a deck is one of those items that almost everyone can picture doing certain activities on, cementing your home’s resale value. While a house costs about $85 per square foot, the deck is only $35-$50 per square foot, means that you get a lot of value out of this added usable space. For example, making an outdoor living room with a grilling station is a great way to enjoy your home inside and out.
3) Garage Door
The garage door is often neglected. It represents about 20% of the front of your home visually if it faces the front. A new automatic electric door can also provide that luxurious comfort of simply driving into the garage during hot summer or cold winters, making its value and luxury unbeatable.
Contact Madhu on 0425 341 086 to capitalise on your home's equity to fund your renovations or comment on Facebook.
Diversity is the key to success
Contact us to see what we can offer to people who are optimistic and are constantly learning and applying. Contact Madhu on 0425 341 086 or email your resume to loans@financeandmortgage.com.au to join our team as a business partner, Mortgage broker, Financial Planner or office admin.
#Mortgage #HomeLoan #Broker #WorkFromHome #FlexibleWork#PartTimeJob #Sydney
I actively recruit women to join our team. Learning to work more effectively and in an environment which is supportive is more important than working 9-5. As women and family makers we need to work less hours, be productive and need to keep our energy levels to enjoy the small daily pleasures with the family.
We hire across all cultures and that opens up my opportunities to connect with the best. They each have their style, support each other, empathize with clients and bring great talent and diversity. Everyone commits to working together and staying on the same page. This has been the single reason for our recent awards.
I find that incorporating diversity into my workplace delivers immediate advantages and long-term benefits. Employee diversity greatly increases our ability to rise above the competition. We speak 8 Indian languages apart from English in our office. Taking on a home loan is a huge responsibility and our personalized touch goes a long way in making our clients feel secure.
We encourage self-starters, disciplined and motivated individuals from a Non finance background to contact us to see what we can offer to people who are optimistic and are constantly learning and applying. Contact Madhu on 0425 341 086 today, to see if can you fit into this amazing team. Learn more about us at www.financeandmortgage.com.au.
1. Home loan repayments to increase
The financial markets expect the RBAto start putting up rates in 2018. This means repayments could also increase, typically by $50 for every 25 b.p. rise on a $400,000 loan. With any rate rise, borrowers are likely to turn to brokers to ensure they are getting the best deal possible. #HomeLoan #Mortgage
2. Property prices to cool
Banking regulators want to see a slowdown in house price growth, and that’s what we expect in 2018. Limits on investor and interest-only loan growth may remain for the foreseeable future, which may continue to dampen investor activity and cool property prices. We’re already seeing this intervention starting to take effect. Brokers will continue to play a critical role in explaining the ever-evolving regulatory changes affecting property investors and advising them of the best lending options available.
3. More borrowers may switch loan type
The big switch is on in the mortgage market. In the past six months, the number of interest-only loans held by the banks have dropped by around $36bn, according to APRA. The trend of switching to principal and interest loans may continue in 2018, and is an important transformation that brokers can continue to assist their clients with. #Loanswitch #refinance
4. First home buyers to make a comeback
With investors taking a step back, first home buyers may find more opportunities in 2018. They will continue to benefit from competitive interest rates, new concessions (if eligible) and ample apartment stock, although checks should always be made to ensure quality buys. With more first home buyer activity, brokers may expect to spend more time with their first-timer clients, coaching them through the journey as they get their foot in the door. #firsthomebuyer #firsthome #newhome
5. Upgraders may continue to renovate
We’ve seen a substantial increase in renovation loan applications in 2017, a trend that we’re likely to see well into 2018 as home owners choose to renovate over moving. Upgraders are avoiding exorbitant moving costs such as stamp duty. We’re seeing some more top-ups as people take advantage of lower interest rates and leverage the extra equity in their property in order to finance renovations. #Renovation #InterestRate
6. Owner occupiers to win from competitive lending rates
With limits on investor and interest-only growth, banks are competing over a smaller piece of the lending pie, and are offering some great deals for owner occupiers. Brokers may see more consumers take action, stimulated by heightened advertising activity among banks. #ownerOccupied #HomeOwner
