The Truth About Bank Loyalty:

Are You Really Getting the Best Deal? | Truth Group

https://youtu.be/qznUkGV6REY

Think sticking with your bank will always save you money? Think again. Bank loyalty can actually cost you thousands in hidden fees, missed opportunities, and higher interest rates.

“Think staying loyal to your bank saves you money? Think again!”

Many homeowners and investors assume that staying with the same bank for years guarantees better deals, preferential rates, or exclusive offers. But here’s the reality: banks reward loyalty in marketing slogans, not in actual savings. Often, the “loyalty perks” don’t stack up against what you could achieve by exploring your options.

Here’s what you need to know:

Interest Rates Are Not Always Lower for Loyal Customers – Banks often keep standard rates high, and the advertised discounts may only apply to new customers.

Hidden Fees Can Accumulate – Monthly account fees, ongoing loan fees, or penalty clauses may go unnoticed if you’re not actively comparing.

Limited Flexibility – Staying loyal can lock you into products that don’t suit your changing needs, like investment growth or portfolio expansion.

Missed Opportunities to Refinance – Even a small reduction in your interest rate can save tens of thousands over a decade. Switching or refinancing strategically is often more beneficial than staying “loyal.”

This is where I come in.

As a Mortgage Broker and Buyers Agent, I don’t just help you find the right property—I also make sure your finance strategy works for you. By reviewing your home loan, comparing banks, and negotiating on your behalf, I can show you how much you could save and how to structure loans for maximum flexibility.

Don’t let “bank loyalty” cost you more than it should. I can run a no-obligation, tailored loan review for you and uncover opportunities to save, invest, and grow your property portfolio.

#PropertyInvestment #SydneyProperty #TruthGroup #BankLoyalty #Buyersagentsydney #HomeLoanSavings #mortgagebrokersydney #RefinancingTips

Hidden Property Red Flags Buyers Miss Without a Buyer’s Agent & Mortgage Broker

https://youtu.be/ZPRJX2Rq0is

Buying property is exciting, but it’s also full of potential hidden property red flags. Many buyers focus only on the visible features of a property—like the kitchen layout, number of bedrooms, or the backyard. While overlooking hidden risks that could cost them thousands down the track. This is where working with both a buyer’s agent and mortgage broker makes all the difference.
I regularly help clients uncover red flags during the search process and structure their finance strategy to avoid stress later on. Here are some of the biggest traps buyers often miss without professional guidance.

1. Strata Issues You Don’t See on Inspection

If you’re buying a unit, townhouse, or apartment, strata reports are crucial. Without them, you could walk into:

– Buildings with massive repair bills (concrete cancer, roof issues, lifts needing replacement).
– Poorly managed strata committees that don’t budget for long-term maintenance.
– High levies that keep increasing each year.

A buyer’s agent knows how to interpret strata records and highlight whether you’re walking into a ticking time bomb.

2. Zoning and Development Risks

That quiet street may not stay quiet forever. Zoning changes or nearby development applications can affect property values dramatically.

– Future high-rise developments blocking views or sunlight.
– Rezoning that changes residential streets into commercial zones.
– Restrictions preventing you from renovating or extending.

I always review council records and planning maps to protect my clients from nasty surprises.

3. Flood and Environmental Hazards

Not all risks are obvious during an inspection. A property may look perfect on a sunny day, but what happens in heavy rain?

– Flood-prone zones increasing insurance premiums.
– Bushfire risk areas with strict building requirements.
– Contaminated land that limits future use.

Buyer’s agents conduct thorough checks against environmental reports before you commit.

4. Overvalued Listings and Emotional Traps

Sellers and agents often list properties with inflated prices, hoping buyers will overpay. Without guidance, many buyers fall into this trap.

– Paying above market value because of clever staging.
– Overlooking comparable sales that show the property isn’t worth the price.
– Getting caught in emotional bidding wars.

I analyse sales data and negotiate strategically, ensuring my clients don’t pay a dollar more than they should.

5. Finance Pitfalls Most Buyers Miss

Even if the property is right, the wrong mortgage structure can create serious financial strain. As a mortgage broker, I help clients avoid:

– Choosing loans without offset or redraw when they’re crucial for flexibility.
– Borrowing with lenders who don’t align with their income or future plans.
– Missing out on government incentives or lower deposit options.
– Refinancing traps where short-term savings lead to long-term costs.

By combining buyer’s agent insights with mortgage planning. I make sure my clients secure the right property and the right loan.
Why You Can’t Afford to Miss These Red Flags
Buying property is one of the biggest financial decisions of your life. Missing a hidden red flag, whether it’s in the property itself or in the loan structure. Can lead to years of stress, unexpected costs, or even financial loss.
That’s why working with a buyer’s agent and mortgage broker in one isn’t just about finding the right property—it’s about protecting your future from every angle.

Final Thoughts

Without expert guidance, it’s easy to fall into the traps of strata issues, zoning complications, environmental risks, overpriced listings, or poor loan choices.
At Truth Group, I don’t just help you spot property red flags—I also tailor mortgage solutions that support your long-term goals. Whether you’re buying your first home, upsizing, refinancing, or building a property portfolio, you’ll have complete confidence knowing both your purchase and finance strategy are taken care of.

👉 Ready to buy with confidence? Reach out today and let’s protect your investment from costly mistakes.

#BuyersAgentsHoxtonPark #BuyersAgentsSouthWestSydney #FirstHomeNextHomeBuyers #FirstHomeAndNextHomeBuyers #HomeAndLandPackages #mortgageBroker #mortgagePlanning #mortgagebrokersydney #PropertyInvesting

Rentvesting in NSW:

How First-Time Buyers Are Building Wealth Without Living in Their Property

For many first-time buyers in NSW, the dream of owning a home where they actually want to live feels out of reach. Rising property prices in popular suburbs have forced buyers to rethink their strategy. That’s where rentvesting comes in—a smart way to get onto the property ladder without giving up lifestyle choices.

Instead of buying their first home to live in, rentvestors rent where they want to live (close to work, family, or lifestyle hubs) and buy an investment property in an affordable location that still offers long-term growth potential. With the right mortgage broker guidance and a skilled buyer’s agent helping you source the right property, rentvesting can be a powerful way to start building wealth.

Why Rent-vesting is Gaining Popularity in NSW

Flexibility: Live where you want without being tied down to a high mortgage in an expensive suburb.

Affordability: Buy in a suburb where prices are within reach while still benefiting from property ownership.

Investment Growth: Build equity and rental income from an area with potential for capital growth.

Tax Benefits: Many costs of owning an investment property can be tax deductible.

As a mortgage broker, I help buyers navigate different lenders’ rules, find competitive rates, and maximise borrowing capacity. As a buyer’s agent, I take care of property search, shortlisting, and negotiating to ensure you purchase a high-performing investment—not just any property.

A Common Scenario for First-Time Buyers

Let’s say you want to live in Sydney’s Inner West but can’t afford the $1M+ price tag for even a small unit. Instead, you rent in the Inner West for lifestyle reasons but buy an investment property in an area like Campbelltown, Liverpool, or Wollondilly—suburbs with strong rental demand and more affordable entry points.

This way, you’re still in the market, building wealth, and keeping your options open for the future.

👉 You can also explore our guide to the Top NSW Suburbs for First-Time Home Buyers in 2025
for inspiration.

Challenges of Rent-vesting

Rentvesting isn’t without its hurdles:

Loan approval: Lenders assess investment loans differently than owner-occupier loans.

Cash flow management: Balancing rent, mortgage repayments, and maintenance costs requires planning.

Future goals: You’ll need a clear strategy to decide when and if you’ll move into your investment property.

That’s why working with both a mortgage broker and a buyer’s agent is crucial—you get the finance structured correctly and the property strategy aligned with your long-term goals.

How Truth Group Helps Rent-vestors

At Truth Group, I help first-time buyers who want to enter the market through rentvesting. My dual services as a mortgage broker and buyer’s agent mean you don’t have to juggle multiple professionals—I provide everything under one roof:

Loan Structuring (Mortgage Broker): Maximise borrowing capacity, plan tax-effective strategies, and access a wide panel of lenders.

Property Sourcing (Buyer’s Agent): Research suburbs, shortlist high-growth opportunities, and negotiate the right deal for you.

Long-Term Planning: Build a strategy that can grow into a portfolio over time.

If you already own a property, you might also want to see how a paid-off home can help you borrow more when expanding your portfolio.

Final Thoughts

Rentvesting in NSW allows first-time buyers to enjoy the lifestyle they want today while still building wealth through property ownership. It’s not about compromising—it’s about being strategic.

At Truth Group, I bring together mortgage broking and buyer’s agent services to give first-time buyers a clear path into the property market. Whether you’re buying to live in, invest, or both, I’ll guide you step by step.

Ready to explore rentvesting? Contact me today to see how you can get started.

#BrandNewHomes #BuyersAgentsHoxtonPark #BuyersAgentsSouthWestSydney #FirstHomeNextHomeBuyers #FirstHomeAndNextHomeBuyers #HomeAndLandPackages #HouseAndLandPackages #HouseAndLandPackagesNSW #HouseAndLandPackagesQLD #mortgageBroker #mortgageMakeover #mortgagePlanner #mortgagePlanning #mortgagebrokeraustralia #mortgagebrokersydney #PropertyInvesting

The New 5% Deposit Scheme in Australia – Starting 1 October 2025

https://youtu.be/CzpXfk9I-SQ

Buying your first home in Australia just got a little easier. From 1 October 2025, the government’s new 5% Deposit Scheme will officially launch, making it possible for first-home buyers to get into the market sooner with a smaller deposit.

As the director of Truth Group, I work with clients every day to plan their mortgage and property journey. Here’s what the scheme means for you, and how I can help you take advantage of it.

What is the 5% Deposit Scheme?

Under the scheme, first-home buyers can purchase a property with as little as 5% deposit, while the government guarantees the remaining 15% of the loan. This means you won’t need to pay Lenders Mortgage Insurance (LMI), which can often cost tens of thousands of dollars.

At Truth Group, I can help you:

• Check if you’re eligible for the scheme
• Compare lenders who are participating
• Structure your loan so you save on interest and fees

Who Can Apply?

This scheme is more flexible than previous versions:

• No income caps – all first-home buyers are eligible
• No annual quotas – places are unlimited
• No postcode restrictions – applies across metro and regional areas

I guide my clients through the application process to ensure all paperwork is correct and lenders have the confidence to approve their loan.

Updated Property Price Caps

The new caps mean buyers can now consider a wider range of homes:

• Sydney – up to $1.5 million
• Melbourne – up to $950,000
• Brisbane – up to $1 million
• (Other states and regions have also seen increases)

If you’re unsure how these limits apply to you, I can help shortlist properties that fit your budget and strategy.

Benefits of the Scheme

With the right planning, the 5% Deposit Scheme could help you:

• Save $25,000–$42,000 in LMI costs
• Cut 6–10 years off saving time for a deposit
• Enter the property market sooner and start building equity

As a mortgage broker, I make sure you get the most competitive loan available. As a buyer’s agent, I also help you find, assess, and negotiate the right property — not just any property.

Risks to Consider

While the scheme has clear advantages, you should also think about:

• Market competition – more buyers may drive up prices
• Repayments – a smaller deposit means a larger loan balance
• Servicing rules – lenders still assess your income and expenses

That’s why I always run detailed mortgage planning sessions with my clients before they commit.

How Truth Group Can Help You

At Truth Group, I offer a unique combination of services:

• Mortgage planning – to get your loan approved on the best terms
• Buyer’s agent support – to help you search, shortlist, and purchase the right property
• Property investment guidance – to build a long-term strategy, not just a one-off purchase

This way, you don’t just buy a home — you make a confident step toward financial security.

Final Thoughts

The 5% Deposit Scheme is a major opportunity for first-home buyers starting 1 October 2025, but it’s not a one-size-fits-all solution. The right guidance can make all the difference between simply buying a property and building a smart financial future.

👉 If you’re thinking about using this scheme, contact me at Truth Group. I’ll help you plan your mortgage, navigate the scheme, and secure the right home or investment property.

#BuyersAgentsSouthWestSydney #FirstHomeNextHomeBuyers #HomeAndLandPackages #HouseAndLandPackages #HouseAndLandPackagesQLD #mortgageBroker #mortgageBrokering #mortgageMakeover #mortgagePlanner #mortgagebrokeraustralia #mortgagebrokersydney #mortgagebrokertips #PropertyInvesting

How NSW Investors Can Get Pre-Approval Fast in 2025

https://youtu.be/0tU8k4A5gEA

Investors securing pre-approval for an investment property in NSW is a critical first step for any savvy investor. A pre-approval not only sets your budget but also positions you as a serious buyer in a competitive market. In 2025, the process has become faster and more streamlined—if you know the right steps.

1. Assess Your Financial Position

Before approaching a lender, review your finances carefully:

• Income & employment: Stable employment and consistent income make the process smoother.
• Savings & assets: Lenders will look at cash reserves and existing investments.
• Liabilities & debts: Know your current loan repayments, credit card balances, and other obligations.

A clear picture of your finances allows your mortgage broker or lender to provide accurate pre-approval quickly.

2. Gather Documentation in Advance

Having all the necessary paperwork ready is key to speeding up pre-approval:

• Last 2 years of personal tax returns and NOAs
• Bank statements showing savings and deposits
• Details of current loans and assets
• Credit check consent forms

Providing these upfront can reduce processing delays and help lenders make decisions faster.

3. Work With an Experienced Mortgage Broker

Mortgage brokers are invaluable for NSW investors because they:

• Identify lenders likely to approve your pre-approval quickly
• Understand the documentation each bank requires
• Negotiate competitive rates and terms
• Streamline the application to avoid common pitfalls

Using a broker ensures your application is complete and tailored to the lender’s requirements.

4. Consider Pre-Approval Types

There are a few options for pre-approval:

• Conditional Pre-Approval: Gives you an idea of how much you can borrow, subject to certain conditions.
• Formal Pre-Approval: More robust, often faster for serious offers.
• Investment Property-Specific Pre-Approval: Some lenders offer streamlined processes for repeat investors or those with strong asset bases.

Choosing the right type of pre-approval will save time and help you act quickly when the right property comes along.

5. Maintain Financial Discipline

Even after pre-approval, avoid large purchases, additional debts, or financial changes that could affect your borrowing capacity. Lenders reassess your situation before final approval, so stability is key.

📌 Final Thoughts

Getting pre-approval fast in 2025 is all about preparation, accurate documentation, and working with the right professionals. By understanding the process and knowing what lenders want, NSW investors can secure pre-approval efficiently and gain a competitive edge in the property market.

#BuyersAgentsHoxtonPark #BuyersAgentsSouthWestSydney #FirstHomeNextHomeBuyers #FirstHomeAndNextHomeBuyers #HomeAndLandPackages #HouseAndLandPackages #mortgageBroker #mortgageBrokering #mortgagePlanner #mortgagePlanning #mortgagebrokeraustralia #mortgagebrokersydney #PropertyInvesting

How to Spot Undervalued Properties in Regional NSW

Looking beyond Sydney can open doors to smart investment opportunities — especially in regional NSW. While the city markets tend to dominate the headlines, many regional councils are offering properties that are undervalued compared to their growth potential. The key is knowing what to look for and which metrics matter most.

https://youtu.be/rvNCT1O0FBc

Why Regional NSW Deserves Investor Attention

Regional areas often deliver stronger rental yields, lower entry prices, and the chance to benefit from government-backed infrastructure spending. With more people choosing lifestyle-driven locations and working remotely, demand for regional housing has been steadily increasing.

Key Metrics to Identify Undervalued Properties

1. Price-to-Income Ratio

Look at how affordable homes are compared to the average local income. If the ratio is low compared to nearby councils, it may indicate room for capital growth.

2. Rental Yields

Strong rental returns are often a sign of undervaluation. A high gross rental yield compared to metro areas shows that investors are getting more income per dollar spent.

3. Vacancy Rates

Tight rental markets (below 2% vacancy) suggest strong demand, which usually precedes price rises.

4. Infrastructure Projects

Regional councils with upcoming infrastructure — such as new highways, hospitals, or university expansions — often see property values rise before the wider market catches on.

5. Days on Market

If properties are selling faster than they did 12 months ago, it may indicate rising demand that hasn’t yet been fully reflected in pricing.

Regional Councils to Watch

Some councils consistently show signs of undervaluation due to affordability and demand shifts:

• Newcastle & Lake Macquarie – Benefiting from ongoing infrastructure upgrades and proximity to Sydney.
• Wollongong & Shellharbour – Strong rental markets driven by population growth.
• Orange & Bathurst – Education and health hubs attracting steady migration.
• Tamworth – Lifestyle buyers and regional employment are fueling demand.
• Albury-Wodonga – A major regional centre with solid transport links.

Final Thoughts

Spotting undervalued properties in regional NSW requires a mix of data analysis and local knowledge. By monitoring rental yields, vacancy rates, and upcoming infrastructure projects, you can find opportunities that many investors overlook.

If you’re considering expanding your property portfolio, make sure to explore our guide on Top 5 Growth Corridors in NSW for Property Investors in 2025.

At Truth Group, I help investors like you not only plan their finance but also source properties that fit long-term goals. From mortgage planning to buyers advocacy, I make sure you’re positioned for success.

#BrandNewHomes #BuyersAgentsHoxtonPark #BuyersAgentsSouthWestSydney #FirstHomeNextHomeBuyers #FirstHomeAndNextHomeBuyers #HomeAndLandPackages #HouseAndLandPackagesNSW #HouseAndLandPackagesQLD #mortgageBroker #mortgagePlanner #mortgagePlanning #mortgagebrokersydney #PropertyInvesting

What You Need to Know Before Applying for a Home Loan Today

Applying for a Home Loan Isn’t What It Used to Be

In the past, applying for a home loan was fairly straightforward. You’d hand over a couple of payslips, have a chat with your local bank, and you’d likely walk away with a loan.

But today? It’s a completely different ball game.

Lenders now want to see your full financial picture — not just your income. They look deeper into your spending habits, financial stability, and documentation. And if anything doesn’t match, your application could get declined.

My Role as Your Mortgage Broker

As a mortgage broker, I work for you — not the banks.
My job is to:

• Understand your financial situation
• Help you choose the right loan
• Make sure your application is solid before it’s submitted

But to do that properly, I need full and accurate information from you.

Example: Why Accurate Income Matters

Let’s say you fill out a fact-finding form and say you earn $85,000 per year.
That figure must be backed up by your documents — otherwise, it won’t stack up with the lender.

What Documents Will You Need?

Here’s what most lenders require upfront:

• Recent payslips
• Full bank statements (3–6 months)
• Tax returns and ATO Notices of Assessment
• Proof of deposit or savings
• Details of any loans or credit card debts
• Rental income statements (if you own investment property)

And if you’re self-employed, don’t stress — there are low doc loan options, but these still require solid financial evidence like:

• Business bank statements
• BAS (Business Activity Statements)
• A letter from your accountant confirming income

Remember: low doc doesn’t mean no doc.

Yes — Lenders Really Read Your Bank Statements

Many clients are surprised to learn how closely lenders examine their spending habits. Your bank statements reveal a lot — not just how much you earn, but how you manage your money.

Here are some common red flags:

• Heavy spending on Uber Eats or takeaway
• Afterpay or Zip Pay debt
• Gambling transactions
• Constant low balances or overdrawn accounts
• Minimal savings at month-end

If you’re spending most of your income and not left with much by the end of the month, that could hurt your borrowing power.

My Job Is to Protect Your Application

I won’t submit your application unless I’ve reviewed everything and I’m confident your numbers are solid.

That means:

• Your income is clearly documented
• Your expenses are reasonable and consistent
• You’ve got a financial story the lender will feel confident in

The last thing you want is to get knocked back because of missing or mismatched paperwork.

Ready to Buy or Refinance?

Whether you’re:

• A first home buyer
• Upgrading to a new place
• Investing in property
• Or simply wanting to refinance for a better deal

Let’s talk.

I offer a free 15-minute strategy call — no pressure, no sales pitch. Just straight answers and a clear next step based on your numbers.

Click below to book your free chat, call me on 0426 259 327 Got questions click the chat box on bottom left get instant answers.

Nicko Parpis
Mortgage Broker & Buyers Agent
Truth Group Pty Ltd – Helping You Buy Smarter & Borrow Better

#BrandNewHomes #BuyersAgentsHoxtonPark #BuyersAgentsSouthWestSydney #FirstHomeNextHomeBuyers #FirstHomeAndNextHomeBuyers #HomeAndLandPackages #HouseAndLandPackages #HouseAndLandPackagesNSW #HouseAndLandPackagesQLD #mortgageBroker #mortgageMakeover #mortgagePlanner #mortgagebrokersydney #mortgagebrokertips #PropertyInvesting

Why You Need a Property Consultant and Mortgage Broker to Successfully purchase Real Estate

Have you been wanting to buy a home or investment property but feel unsure if you can afford it? Maybe you’re worried about whether you can service the loan or confused about the requirements to qualify. These are common concerns, but they can create unnecessary stress and hesitation, stopping you from taking the next step. It’s important to determine if it’s for a home or an investment property.

Here at Truth Group, I can help relieve these pain points by guiding you through the process and providing clear, personalized advice. As a mortgage broker and property buyer’s agent. My role is to simplify the steps and ensure you’re not left guessing whether you want a home or investment property.

How I Can Help You Overcome These Challenges:

• Uncertainty about Loan Eligibility: One of the biggest challenges home buyers and investors face is figuring out if they can even qualify for a loan. I’ll assess your unique financial situation and help you understand what’s required to get approval. Together, we’ll review your borrowing capacity and explore all available loan options to see what suits you best.
• Worried About Affordability? If you’re unsure whether you can manage the repayments. I can help you build a clear picture of what you can afford. I’ll show you how to structure your loan to fit your budget. And if you’re not ready to buy now, I’ll provide practical steps to improve your financial standing and prepare you for a future purchase.
• Confusion About the Buying Process: The home-buying journey can be overwhelming, especially if you don’t know where to start. I can walk you through each step, from loan applications to property searches. Giving you the confidence that you’re making informed decisions regarding whether it’s a home or an investment property.
• Planning for the Future: Even if you’re not in a position to buy immediately. That doesn’t mean you should wait in the dark. I’ll help you develop a solid plan. Whether it’s improving your credit score, saving for a deposit, or understanding how much you can borrow in the future.

Thinking About Property Investing? Here’s How I Can Help

If you’re considering investing in property but aren’t sure where to start, you’re not alone. Many potential investors feel overwhelmed by the complexities of financing, choosing the right property, and understanding the risks. Deciding if you want a home or investment property can be crucial.

At Truth Group, I specialize in guiding clients through the property investment journey, helping you build wealth through a solid asset that typically involves less risk than other types of investments.

Here’s how I can help you:

• Tailored Investment Strategy: Property investing isn’t one-size-fits-all. I’ll work closely with you to understand your financial goals, whether it’s generating long-term wealth or creating passive income. Together, we’ll craft a tailored investment strategy that may include using your superannuation (SMSF), leveraging your equity, or exploring other financing options suited to your situation. This will help you decide if a home or investment property is right for you.
• Finding the Right Investment Property: The property market can be confusing, and picking the wrong investment can be costly. As a property buyer’s agent, I’ll do the heavy lifting by researching and identifying the right investment opportunities that align with your goals. Whether you’re looking for a rental property, a development opportunity, or a long-term growth asset, my goal is to find either a home or investment property that matches your needs.
• Reducing Risk, Building Wealth: Unlike riskier investments, property is generally considered a solid asset class. I’ll help you assess the market. Guide you on how to minimize risks, and ensure that your investment has strong potential for growth. By making informed decisions, you’ll have a reliable path to building wealth through property, whether you choose a home or investment property.

Don’t let confusion or uncertainty hold you back. By working with me, you’ll gain a trusted guide to clear the air and provide you with a personalized plan. Whether you’re ready to buy now or just need advice on how to get there. I’m here to help you take confident steps toward property ownership or investment.

Reach out to me at Truth Group, and together we’ll see if you’re ready to purchase your first or next property. Let’s eliminate the guesswork and put you on the right path to success – whether it’s securing your next home or building a solid property investment portfolio for the future.

#MortgageBroker #PropertyConsultant #RealEstateInvestment #HomeBuyingTips #InvestmentProperty #FinanceBroker #HomeLoanAdvice #WealthBuilding #PropertyInvestment #TruthGroup

https://truthgroup.com.au/2024/10/22/how-do-i-find-out-if-i-can-buy-a-home-or-investment-property/

#HomeBuying #HomeBuyingTips #MortgageBroker #NicholasParpisBuyersAgentMortgageBrokeringTruthGroupHomeBuyers #PropertyInvestment #TruthGroup #WealthBuilding #FinanceBroker #HomeLoanAdvice #investmentproperty #mortgagebrokersydney #PropertyConsultant #RealEstateInvestment

Knowing When to Seek Help

Taking action and making decisions means knowing when to seek help. The cost of not deciding and not taking action can be high, especially in today’s property market. How to Get Support, But Always Seek Professional Guidance.

Ready to Buy? Start with Your Numbers

The best time to buy a home or investment property is when you’re ready. And the first step when your ready is running your numbers. Getting professional guidance can make this process smoother.

Crunching the Numbers

If you don’t start by crunching the numbers, you’ll never know if buying a property is within reach. Even if it’s not right now, talking to a mortgage broker can set you on the right path. A good broker will show you what steps to take so that you can work toward your goal. Especially if you seek professional guidance.

Embracing Smaller Steps

You may not be able to afford your dream 4 bedroom, double storey home just yet, and that’s okay. There’s no shame in starting with a 2 bedroom unit—every step gets you closer to your ultimate goal.

Navigating Your Property Search

Once you know what you can borrow, the next step is the property search. You have two options: tackle the ups and downs yourself, which can be stressful, or work with a buyer’s agent who can smooth the process for you. At Truth Group, we’re here to make your property search and transaction as stress-free as possible, so you can focus on making smart, informed decisions with professional guidance.

The Value of Professional Guidance

Let’s be honest—when stress takes over, decision-making can suffer. That’s why professional guidance is so valuable. While not everyone may need a mortgage broker or buyer’s agent, working with one ensures you’ve accurately run your numbers, have confidence in what you can borrow, and, with the help of a buyer’s agent, know you’ve purchased the right property at the right price.

#SeekHelp #PropertyMarket #DecisionMaking #HomeBuying #InvestmentProperty #FinancialReadiness #MortgageBroker #FinancialPlanning #KnowYourNumbers #StartSmall #PropertyGoals #HomeOwnership #StartSmall #PropertyGoals #HomeOwnership #PropertySearch #BuyersAgent #StressFreeBuying #ProfessionalGuidance #SmartDecisions #RealEstateExperts

https://truthgroup.com.au/2023/11/03/building-wealth-through-strategic-property-investments/

https://truthgroup.com.au/2023/05/01/advising-your-real-estate-investment-portfolio-how-a-buyers-agent-can-help/

https://truthgroup.com.au/2024/10/10/how-to-get-support-but-always-seek-professional-guidance/

#BuyersAgent #HomeBuying #MortgageBroker #PropertyGoals #PropertyMarket #PropertySearch #RealEstateExperts #BrandNewHomes #BuyersAgentsHoxtonPark #BuyersAgentsSouthWestSydney #DecisionMaking #FinancialPlanning #FinancialReadiness #FirstHomeAndNextHomeBuyers #HomeOwnership #HouseAndLandPackages #HouseAndLandPackagesQLD #investmentproperty #KnowYourNumbers #mortgagebrokersydney #MortgagePlanning #MortgageSolutions #ProfessionalGuidance #PropertyInvesting #SmartDecisions #StartSmall #StressFreeBuying

Ready to Buy a Home but Unsure How Much You Can Borrow?

At Truth Group, we understand how important it is to know your borrowing capacity before stepping into the property market. Don’t make the mistake of misjudging your readiness and applying for a home loan, only to face the disappointment of rejection and affect your credit score. Speak to me today and be confident before you apply. Together, we can figure out how much you can borrow and compare loan products across more than 40 lenders to find the best option for you. Everyone’s situation is different, so it’s always best to consult a mortgage broker before making any big moves.

As both mortgage brokers and buyer’s agents, we’re here to not only secure the right loan. We can also help you find, shortlist, and purchase your ideal property whether its your next home or investment property.

Let’s find out how much you can borrow—reach out today!

https://truthgroup.com.au/2024/10/07/how-much-can-i-borrow/

#AustralianHomeLoan #AustralianRealEstate #Borrowingcapacity #BuyersAdvocate #BuyersAgent #Howmuchcaniborrow #MortgageBroker #buyersagentaustralia #mortgagebrokersydney