New Temporary Stamp Duty Concession for Off-the-Plan Properties
The Victorian Government has introduced a significant opportunity for property buyers with its new...
At Tomorrow Financial Solutions, we redefine financial consultancy. With a team of industry experts, we merge innovative strategies with personalised guidance and cater to both individual and business clients, ensuring that their financial dreams aren't just visions but achievable realities
We've helped thousands of people across Australia save on their mortgages and improve their financial positions.
The interest rates available to you will depend on various factors such as your credit score, loan amount, loan-to-value ratio, and the type of loan you choose. We work with a wide range of lenders to secure the most competitive rates for our clients. Typically, our rates are highly competitive in the market. Please contact us directly to get a personalised rate quote based on your specific circumstances.
The amount you need to contribute as a deposit varies based on the type of loan and the lender's requirements. Generally, for a standard home loan, you should aim to contribute at least 20% of the property's purchase price to avoid paying Lenders Mortgage Insurance (LMI). However, some lenders offer loans with a deposit as low as 5-10%, but these may come with additional costs or requirements.
First home buyers may be eligible for concessions or exemptions on stamp duty, depending on the state or territory in which they are purchasing. Each state has its own criteria and thresholds. We can help you navigate these regulations to determine your eligibility for stamp duty concessions or exemptions
Yes, first home buyers may be eligible for the First Home Owner Grant (FHOG), which is a one-off payment to assist in buying or building a first home. The eligibility criteria and grant amount vary by state and territory. We can help you determine your eligibility and assist with the application process.
The decision to buy an apartment or an established property depends on your personal preferences, lifestyle, and financial goals. Apartments often offer lower entry costs and maintenance, while established properties can provide more space and potential for capital growth. We can discuss the pros and cons of each option based on your specific needs and objectives.
The pre-approval process typically takes between 3 to 5 business days, provided we have all the necessary documentation from you. This timeframe can vary depending on the lender and the complexity of your application. Pre-approval gives you a clear understanding of your borrowing capacity and can enhance your negotiating position when buying a property.
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