Are you a first home buyer?
Auctions are coming back, there is an increase in the clearance rate compared to several months ago, as more bidders are returning to the auction rooms.
As a first home buyer, you would have invested your time on the weekend for open homes, and doing your due diligence, a pathway to secure your own home.
There have been situations whereby prospective buyers have participated in auctions. However, prior to engaging in auctions, they already had pre-approvals from two different lenders with varying lending limits. This action has significantly boosted the prospective buyer’s chances, thereby being well prepared ahead of the auction day.
1. Every lender has different credit appetite, which is constantly changing.
2. To keep a track of the lenders, and banking world, it can be overwhelming for prospective buyers, hence as a financial adviser we want to assist with your journey and make the buying process smooth.
3. Added benefit of financial advice, to ensure your loan is not only approved, but loan has been structured correctly and suits your financial objective.
Are you ready to bid on your next home?
Poll: Would you rather: Christmas in summer forever or winter forever?
Just a bit of a fun poll to get you thinking.
If you had to live out your Christmas days, would you prefer it was a summer Christmas or a winter Christmas?
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63.3% Summer
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35.4% Winter
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1.3% Other - I'll share below
New Year, New Questions You Won’t Solve!
I get smaller every time I take a bath.
What am I?
Do you think you know the answer to our daily riddle? Don't spoil it for your neighbours! Simply 'Like' this post and we'll post the answer in the comments below at 2pm.
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Head here and hover on the Following button on the top right of the page (and it will show Unfollow) and then click it. If it is giving you the option to Follow, then you've successfully unfollowed the Riddles page.
What it feels like speaking with a MAGA American:
Me: “Your total is $44.19. Cash or card?”
The customer hands me a credit card but the chip inside it has been hole-punched out.
Me: “Uh, I don’t think this will work.”
Customer: “Why not? It hasn’t expired and I have money in my account.”
Me: “Sir… the chip is gone.”
Customer: “I didn’t want the chip.”
Me: “The card won’t work without it.”
Customer: “It just means I can’t enter my PIN, but you can still swipe it.”
Me: “I don’t think it will work, sir.”
Customer: “Just swipe it.”
I swipe it to prove a point.
Me: “It’s not working, sir.”
Customer: “Then you’re doing it wrong. Swipe it again!”
I do so again with the same result.
Customer: “Maybe you should swipe it so that the magnetic strip isn’t the thing being swiped?”
Me: *Swiping it as suggested.* “Sure, why not? About as much chance of it going through without the magnetic strip as there is without the chip – oh look, it didn’t work.”
Customer: “Your machine must be broken!”
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