Two Broker Girls

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Seymour, VIC
Two Broker Girls

🏡Senior Finance Brokers 🤓Paperwork Nerd
🐕 Dog Mum ☕️ Enthusiastic Coffee Consumer
💬 Get in touch by message or website
(10)

13/09/2024

Are you over 55 and thinking that your age might hold you back from getting a home loan? It doesn't have to be!

Being in your pre-retirement years is not a barrier to lending. Many lenders offer tailored solutions for older applicants, whether you're looking to downsize, purchase an investment property, or even buy your next home, it is absolutely possible to secure a loan that suits your goals.

In preparing for the lending process as a pre-retirement applicant, having a clear picture of your future income sources and retirement plans, will help provide clarity to lenders.

We can help you prepare a thorough application and find loan options that suit your financial situation. Whether through shorter loan terms, utilising superannuation, or working with lenders who understand the unique needs of older applicants, together we can make sure your age doesn’t stand in the way of your property goals.

Reach out to learn more about how you can get approved, no matter what life stage you are in! 🏡✨

12/09/2024

If you've found the perfect next home but haven’t sold your current property yet then Bridging finance might be the solution to make the transition possible.
Instead of missing out on your dream home, a bridging loan is a short-term lending option that "bridges" the gap, giving you the funds to move forward with your purchase while you wait for the sale of your current property.

There's a few intricaies to the conditions and how a bridging loan is structured, but here's the short version of how it generally works:
The lender provides a loan that covers the value of both your current and new properties. You typically make interest-only payments during the bridging period, and once your existing home sells, the proceeds are used to pay off the loan. This gives you the flexibility to secure your new home, with time to prepare your current home for sale.

We have access to over 40 lenders and can help find the best bridging loan option for your circumstances. With the right guidance, bridging finance can help you secure your next home, at your preferred pace. Let's chat about how a bridging loan could work for you! 🏡🔑

10/09/2024

Thinking of buying a rural property? Financing can be a bit more complex compared to a typical suburban home purchase. Lenders often view rural properties as riskier investments due to factors like larger land sizes, distance from major centres, and potential limitations on property use (such as farming or zoning restrictions). Properties over a certain acreage size or with hobby farm features may require specific loan products, and not all lenders offer them. Additionally, access to infrastructure, your intentions for the property's purpose, and the quality of the land can all impact lending approval.

But while it's important to know all these aspects, it doesn't mean that buying your dream land is unachievable!

In this situation, that's where a mortgage broker makes a real difference. By working with lenders who specialise in rural properties, we can guide you through the process, help you present your application in a way that meets lender expectations, and negotiate terms that match your goals with the right loan product. 🌳🏡

10/09/2024

TBG behind the scenes : trying to look like we have it together while secretly debating lunch options. 😋

📸 by the very talented

09/09/2024

Are you a self-employed business owner or have a non-traditional financial situation? A Low doc loan could be an option for you to get the home loan you need. 🏠

Swipe through as we break down what a low doc loan is, and IS NOT, to see if it might suit your situation.

🙋🏻‍♀️ Working with a mortgage broker takes the leg-work out of knowing which lenders offer these non-traditional products.
So send us a message if you'd like to explore your options! 💬

05/09/2024

In case you missed it…
We’re getting a bit of a reputation for ourselves
• • •
Are you ready for it?
It’s for submitting the tidiest applications that make it quicker to get you a yes from lenders.And yes, we can help you with your next app too.
💋

04/09/2024

Got your eye on a wonky property, but you’ve been told that you’ll never get finance for it? 🤪

We live for messages from clients that start with “I’ve found this property… but it’s a bit different”. So if you’re a property visionary needing an advocate to get you finance to bring your vision to life, then we’re the girls for you!

Renovating a church into a dream home has been one of our favs 💒
Drop us a comment with your unique property transformation goals!

03/09/2024

Come with us to the 2024 Australian Broker Awards 💁🏻‍♀️

SPOILER ALERT : We didn’t take home the Customer Service Award trophy, but don’t worry - we will still answer calls like we did! 🤓

28/08/2024

Choosing a different path for your future by ending a relationship, doesn't mean that you're destined to rent forever. We're proud to have helped many individuals that have divorced or separated to go on to purchase a home.

How do we do it?
💰 we make it our business to intricately know any grants that might be available and what lenders are in the market that are compassionate to life's restarts.
✅ by working through your budget to identify ways to improve your financial positioning that leads to lender approval.
📣 becoming your biggest advocate and hype girls.

Going through a divorce or separation is hard enough, but we're here to make the new home buying process an easy one.

27/08/2024

Our main girl Sarah is up for what we personally consider to be the most important award at the Australian Broking Awards - Customer Service of the Year (Individual).
All those other business metrics are great on paper, but to us, knowing that we're delivering an outstanding customer experience through our personal and high-touch customer service approach, well that's what we're here for.
So fingers crossed for Sarah to bring home a win on Friday, but either way she's a winner in our eyes and the eyes of her clients! 🥂🏆

21/08/2024

Scratching your head, wondering why Brokers ask so many questions and for an extensive list of personal and financial information/documentation? There's a few reasons:
1️⃣ We REALLY want to get to know you, so that we can find a loan that suits your needs now and your plans for the future. By telling us your big goals, we can craft a roadmap to get you there.

2️⃣ We need to know who you are (hence proof of identification) and what your financial situation (bank statements, business holdings etc) is so that we can ensure that the information put forward is accurate.

3️⃣ It's our jobs, both ethically and legally, to ensure that we're not submitting any fraudulent applications - so we will cross-check and re-confirm until the cows have come home and we're satisfied that everything is accurate and legit.

4️⃣ It's entirely in your best interests! We're here to help you access lending for your goals. So providing us with all the information we ask for, in the timeframes we indicate, means that we can get your application submitted without delays.

19/08/2024

When it comes to what type of mortgage loan you want, there are a few considerations. And while we go into detail on the pros and cons of each loan option with our clients so that they are full informed to make the best decision to suit them - we thought, why not share the peaks and the pits of each type with you all too! Starting firstly with Variable Rate Mortgages.

If you're interested in booking a Lattes + Loan Talk meeting with Alyce or Sarah, then comment "LATTE" and we will send you the Calendly link to find a time to chat.

19/08/2024

The girls have still got you covered this week, even with the occasional dance-break 😉

13/08/2024

Yesterday's announcement of RAMS Home Loans closure may have come as a shock for any customers who had an application in progress with them, we feel for you, and are here to help!

As any applications in progress with RAMS Home Loans will no longer proceed, we can meet with you and quickly get your application back on track with another lender.

Alyce has availability as early as tomorrow (Wednesday) to discuss your support needs. Book a Lattes and Loan Talk meeting with Alyce here: https://calendly.com/alycetbg/30min

We'd appreciate you sharing our post on your own networks so that any affected customers know that we're putting our hands up to say we're here to support them 🩷

13/08/2024

Part Broker - Part Oprah-style Hype Girls!
We love being able to support other women to achieve their goals, and these words from single mum Nicole have us 🥹
"As a single mother coming off the back of an extremely difficult year, I initially only intended on chatting with Sarah to formulate a game plan for future thinking towards purchasing my own home.
After my initial consultation with Sarah, I found something I hadn’t had in along time, HOPE, for achieving some stability for myself and my two young boys. I know Sarah fought hard for me to ensure the financial institution saw me for the desirable candidate I was."

12/08/2024

Here's the Myth: If you're the lower income earner in a property settlement - you can't buy your family home.
BUSTED! This isn't true.
We've helped many clients take ownership of their family home during a separation and property settlement.
This is another reason why talking to a Broker (🙋🏻‍♀️ us) instead of going straight to a bank is in your best interests! Brokers, like us will review more than 40 lenders to find one that is compassionate to your situation and can provide the best deal that enables you to retain your home as you commence your next life stage.
We're here to chat when you're ready.

09/08/2024

Single person wanting to buy your first home? We can help;
Going through a separation and want to buy out the other party in your property settlement? We've got you;
Self-employed primary income-earner? Understood!

We're here to help everyone achieve their home ownership goals, and we know that not every situation fits your 'traditional' box of 2 people working as a full-time employee.

That's why we make it our mission to understand all the aspects of your unique situation, then hunt for the best lender that will give you the best deal for your goals. Why not book in for a Lattes and Loan Talk meeting with us and we can get a plan together that fits around your uniqueness ☕️🏡💕

05/08/2024

We are so passionate about supporting Share the Dignity's campaign to end period poverty.
We're a collection point at 4 Tallarook Street Seymour VIC, there are donation boxes at any Woolworths supermarket nationwide or you can select your preferred way to support via their website at https://www.sharethedignity.org.au/

64% of Australians have experienced period poverty at somepoint in their life, and we don't want any girl or woman to be without period products that are a life essential. With your help, these women won't have to think about skipping school or feeling too ashamed to leave the house because they can't afford the period products they need. 💕

04/08/2024

If you missed out on our First Home Buyer webinar this week, our FHB go-to-girl Alyce has initial consults available as early as this week to talk via zoom, phone or in-person about getting the process underway and into your first home. Head to the the link now to book with Alyce.
https://calendly.com/alycetbg/30min

28/07/2024

Finishing our round-up of state-based incentives for First Home Buyers is Tasmania, with their 2 options of First Home Owners Grant and Established Homes Duty Concession. Each incentive is designed to support those purchasing new and existing homes.
Swipe on through to see what eligible First Home Buyers can take a bite of in the Apple Isle 🍎🏡
Join our FHB Webinar this Wednesday via https://calendly.com/two-broker-girls/first-home-buyers-webinar

28/07/2024

Haven't you heard? 😉 We are hosting our first webinar, dedicated for First Home Buyers THIS WEDNESDAY at 7pm!
Join us as we dive deep into:
💥 Preparing for a Home Loan
🏡 Government assistance and parental guarantees explained
💰 Game-plan for what to do next: Savings + Deposit + Budgeting
🙋🏻‍♀️ Plus Q+A with our senior Broker guru Sarah
Head to the link below to book now - we can't wait to see you there!
https://calendly.com/two-broker-girls/first-home-buyers-webinar

26/07/2024

Northern Territory is coming in strong for First Home Buyers with 2 ot of 3 incentives not effected by the purchase price of a property or means tested against your income.
There's also the HomeBuild Access initiative that gives you an opportunity to access low deposit home loan options for new-built homes or for you to buy vacant land and build your own home. There are limits to the purchase price for properties you can purchase using HomeBuild Access dependent on the number of bedrooms: up to 2 bedrooms the maximum purchase price is $475,000 and 3+ bedrooms the maximum purchase price is $550,000.
Join our webinar next week if you're thinking of buying your first home in NT 🏡

https://calendly.com/two-broker-girls/first-home-buyers-webinar

25/07/2024

Where are our Western Australian followers at? 🙋🏻‍♀️
With 3 State Govt incentives on the table for you, there are options for scenarios of land only, house + land building packages, newly built, significantly renovated or established properties!
One of the incentives mentioned is the Shared Equity Scheme which we will dive a bit deeper into on our First Home Buyers Webinar next week - so if that's peaked your interest, then remember to register.

24/07/2024

📣 South Australian First Home Buyers - this is your roll call!
There are 3 state government options for you to get you closer to buying a home.
Swipe on through and see the incentives available to support your purchase.
Register for our FHB Webinar next Wednesday, 31st at 7pm via our profile.

23/07/2024

Although the odds weren't in your favour as a Queenslander this year for state of origin; if you're a First Home Buyer your odds are better! The Queensland Govt offers 3 incentives to support FHB and based on your location and eligibility you could be in your new home even sooner than you thought. Swipe through for what's on the table.
And remember, our FHB Webinar is on next Wednesday 31st to give you all the deets to get the ball rolling. Register via our profile.

17/07/2024

Calling all FHB from New South Wales 📣
There are 2 State-based supports available for you from the NSW Government, along with the Home Guarantee Scheme.
We will break this down even further at our FHB Webinar on Wed 31 July, but for now take a scroll through what options you have when looking at new, existing or significantly renovated homes to purchase.

16/07/2024

Client love Wednesday 💕
Seeing these words from a happy client pop up as a comment on a recent posts gives us all the feels... and the momentum to keep getting through mid-week!

16/07/2024

In the lead up to our First Home Buyer Webinar on Wednesday 31 July, we're going to whip around the country with a rundown of the different schemes, concessions and grants that each state offers to eligible First Home Buyers.
Today we're kicking off with the Victoria edit.
Based on certain eligibility, like whether you're looking to purchase an existing or new home, in a metro or regional area, as a single or joint applicant - there are 4 different support options in play.
Swipe through to take a look, and don't forget to register for our webinar if this peaks your interest! Register here - https://calendly.com/two-broker-girls/first-home-buyers-webinar

12/07/2024

It's been a exciting week of celebrations for our team, and we figured, why not round it out with a bit of a Feel-good Friday to recognise just a few of the clients that we've helped achieve their financial goals, and some their home-ownership dreams over the last month 🏡 🩷

If you want to talk finance, then send us a message here or book in for our 15min Discovery Coffee Call via our website.

10/07/2024

She’s done it again! This morning Sarah was announced as a finalist in the Australian Broking Awards for Customer Service of the Year!
Being recognised in the Awards is an honour in itself, but for this category - oh it hit’s us right in the feels. 💕
Helping our customers to achieve their goals is at the absolute core of Two Broker Girls and to be recognised as being a leader in our industry for providing exceptional customer service is beyond exciting.

We love that what we get to call our job every day, is helping individuals, couples and families to buy their dreams.
Good luck to Sarah adding to the trophy shelf on August 30th! 🏆

(Sarah could not be filmed today doing celebratory air-jumps as she was, ironically, meeting with customers and providing that top-shelf customer experience!)

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Seymour, VIC
3660

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http://www.twobrokergirls.com.au/

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Videos

TBG Photo Shoot - Sneak Peek!

TBG behind the scenes : trying to look like we have it together while secretly debating lunch options. 😋 📸 by the very talented @leahladson

In case you missed it… We’re getting a bit of a reputation for ourselves • • • Are you ready for it? It’s for submitting the tidiest applications that make it quicker to get you a yes from lenders.And yes, we can help you with your next app too. 💋

We need to report a robbery!

Come with us to the 2024 Australian Broker Awards 💁🏻‍♀️ SPOILER ALERT : We didn’t take home the Customer Service Award trophy, but don’t worry - we will still answer calls like we did! 🤓 #betteratservicethanwinning #twobrokergirls #mortgage #mortgagebroker

very demure, very cutesy, very mindful, very respectful… 😜 while getting you the best deal 🏡💰

The girls have still got you covered this week, even with the occasional dance-break 😉

We know, all the pay later sales and the instant buzz of a new purchase seems great! But if you’re looking to make a lending application soon, then this is why we say no to any of the pay later schemes.

She’s done it again! This morning Sarah was announced as a finalist in the Australian Broking Awards for Customer Service of the Year! Being recognised in the Awards is an honour in itself, but for this category - oh it hit’s us right in the feels. 💕 Helping our customers to achieve their goals is at the absolute core of Two Broker Girls and to be recognised as being a leader in our industry for providing exceptional customer service is beyond exciting. We love that what we get to call our job every day, is helping individuals, couples and families to buy their dreams. Good luck to Sarah adding to the trophy shelf on August 30th! 🏆 (Sarah could not be filmed today doing celebratory air-jumps as she was, ironically, meeting with customers and providing that top-shelf customer experience!)

We make it super easy to book an initial chat with us. It just takes a few clicks and we could be talking as soon as this week. Book your consult now via our website.

Att: First Home Buyers - this ones for you! And if you're a NZ citizen we've got a scoop for you too. EOFY can be a love-hate relationship... we LOVE the sales deals, doing our tax returns not so much. But the absolute winning aspect about a New Financial Year is that the available places in the Home Guarantee scheme renews! There are 35,000 places for the First Home Guarantee (FHBG); 10,000 places for the Regional First Home Buyer Guarantee (RFHBG); and 5,000 places for the Family Home Guarantee (FHG). In addition, the scheme has now opened eligibility to include New Zealand citizens that hold a special category visa 444. We find this pretty exciting, as these changes and refreshed availability opens the door for so many more first home buyers to access the market without paying Lenders Mortgage Insurance! Applying for a spot in the scheme can occur at pre-approval or full approval stage, so if you're ready to get started, now is a great time to do it with your best chances of securing a place in the scheme. Let's chat 💬

Sarah's dropping the numbers on another local property purchase in this video - to help you understand the breakdown of the figures behind buying, for both First Home Buyers or next property Buyers. 🏡 First Home Buyer Purchase Price: $545,000 Stamp Duty: $0 Transfers and Registration: $1,510 Conveyancing & Settlement Buffer: $3,000 Total Purchase Costs: $549,510 95% Loan** = $517,750 Deposit / Savings Required = $31,760 Next Home Buyer using a 10% Deposit 🏡 Purchase Price: $545,000 Stamp Duty: $24,670 Transfers and Registration: $1,510 Conveyancing & Settlement Buffer: $3,000 Total Purchase Costs: $574,180 90% Loan: $490,500 Lenders Mortgage Insurance Fee: $9,831 Deposit / Savings Required = $93,511 👀 If there's a property that has caught your eye - then book in for a chat with us to get the ball rolling! **Securing a spot in the VIC First Home Loan Deposit Scheme means you can lend 95% of a purchase price without the need to pay Lenders Mortgage Insurance.

We're going to straight up debunk this myth - A 20% deposit isn't your only option to get into the property market 🏡 There are SO many options to crack into the market and needing a 20% deposit isn't the only option. Traditionally, a 20% deposit was recommended to avoid paying private mortgage insurance (PMI). PMI is an insurance premium that protects the lender if the borrower defaults on their loan. It's an additional cost added to your monthly mortgage payment. While it's true that a larger deposit can save you this extra cost, it's not mandatory to have 20% down.