The media is full of reports about Chinese investors bumping up the prices in Australian suburbs. But what’s the reality? According to predictions from leading financial services sector experts, residential investment from Chinese-based property investors and new immigrants from China will climb to more than $60...
Spring is the time when home buyers and property investors are busy attending open for inspections every weekend. As part of the buying process, most of them who are seeking a loan would ask…. “Is it better to go to the banks directly or should I...
You must be wondering what is the “SECRET” to pay off your home faster. Well it is not a secret, but a very simple strategy that most of us can follow by having an offset account that is tied to your home loan. Simply channel all your...
Aspirus Financial Services, this name is a combination of the word Aspire and Us. Our aim is to Aspire Us, that is our clients, our strategic business partners and ourselves towards financial freedom. Our values are based on 3 things, Service, Integrity and Strategy. Service – We...
Car dealerships always advertise heavily on their End of Financial Year Sales with attractive low interest rates deals. The million dollar question however is… “Is it really 0% interest rate”? One quick way to establish that is to ask the car dealership for the FINAL monthly repayment amount....
One of the most common question we get asked from clients are… “What is the lowest interest rate you can offer?” At Aspirus Financial Services, we do not just look for the lowest interest rate for our clients, more importantly, we look for the most appropriate...
LMI is a term commonly used in residential mortgage but do you know what does it stands for? LMI or Lender’s Mortgage Insurance is an insurance that can be summarized as “An insurance policy that protects the lender while you, the borrower pay for it”. LMI is...
A few changes in the lending had occurred lately. One of the most significant change has been the tightening of lending criteria by various banks and lenders for investment properties. For example: • ANZ has reduced the maximum Loan Valuation Ratio (LVR) for investment loan to...
We are a boutique mortgage broking company. Our goal is to aspire you towards financial freedom. Our guiding principles are: 1. We work for you! We are not employees of any banks, lenders or franchises. 2. We recommend a loan that is most appropriate for you, regardless of...