A Loan-to-Value (LVR) ratio is a financial metric used by lenders to assess the risk associated with a loan. It's calculated by dividing the loan amount by the property's appraised value, expressed as a percentage.
Navigating the complexities of the real estate market can be a daunting task. This is where a local buyer's agent comes into play, offering invaluable expertise and guidance throughout the home buying process. This is where a local buyer's agent comes into play, offering invaluable expertise and guidance throughout the home buying process. By leveraging their in-depth knowledge of the local market, buyer’s agents can help clients make informed decisions, avoid common pitfalls, and ultimately secure the perfect property. Below are ten essential questions to consider when choosing a local buyer's agent, designed to help you understand their role, benefits, and how to select the right one for your needs.
The amount you can borrow depends on several factors, such as your income, expenses, assets, liabilities, credit history, and the lender's criteria. We can help you estimate your borrowing capacity and compare different loan options that suit your needs.
A mortgage broker can save you time, money, and hassle by doing the legwork for you. We have access to a wide range of lenders and products, and can help you find the best deal for your situation. We also have the expertise and experience to negotiate on your behalf, and to streamline the application and settlement process. We work for you, not the banks, and we act in your best interest at all times. We can also provide ongoing support and advice throughout the life of your loan, and help you review and adjust your strategy as your circumstances change.
A comparison rate is a tool that helps you compare the true cost of a loan. It includes the interest rate, fees, and charges, and expresses them as a single percentage. However, it does not include other factors that may affect your loan, such as repayment frequency, loan features, or early exit fees. Therefore, you should not rely solely on the comparison rate when choosing a loan, but also consider the overall benefits and drawbacks of each option.
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I’m so glad that I’ve met someone as professional and concise in his delivery of information. I felt that I was really listened to. He then took that and set a plan which looks great and shows real promise. Very happy to have met him
We have had Joshua as our financial advisor for some time now. We are extremely happy with the financial guidance and goal setting he has provided us. We would recommend Josh to anyone as we feel his knowledge and the professionalism, he has displayed has made us feel comfortable and confident with any financial strategies and decisions he has provided us.
Josh was recommended to us by other friends, and I am delighted by his 'plain English' explanations and personal attention to my accounts. With the constant movement in the market and the rules governing super it gives me a great deal of comfort knowing he is constantly involved in my accounts and can respond quickly to market or industry changes.
Very knowledgeable with great advice has saved me a lot of money would recommend to anyone.
Josh is very easy to talk too and explains everything so you can understand it. When contacting Josh, he always gets back to you straight away if he is not available.
First time I searched for a Financial planner, waited till a year before I connected with Joshua Stewart. My concerns for my future were dealt with in a caring, professional manner. His knowledge of the industry was of extreme value and the advice given met my criteria to prepare for my retirement. I have no hesitation when recommending Joshua Stewart to new clients.
Joshua has given us advice in areas including loan products, super funds, budgeting, Wills, life insurance and investing in shares. Joshua is detailed in his explanations and is always willing to answer questions. Through Joshua's knowledge and experience, I feel very confident that the advice given was right for our needs. We would recommend Joshua to friends and family and appreciate his full care and attention when needed. Joshua has enabled us to feel confident about our financial future.
