Get Loan

I need help with

Mortgages can be stressful. Our crazy-good experts make it easy. Whether you apply online or stop by, you get a real person who cares about getting your best mortgage.

 

Have a ton of questions? We’re ready for that (it goes hand-in-hand with saving you a pile of cash).

Worried about your renewals?

Higher rate may paint you into a corner. Here’s help to find a way out

65+ lender and thousands of products

About us

Here at Hamara Mortgage services, we treat it ‘like ours’. We are experienced finance professionals who think outside of the box to guide you through the mortgage/ finance credit solutions that help you achieve your individual short and long-term goals. We aim to help you today with futuristic solutions for the long term. Financial situations change over time for all of us. We would like to assure you that we will help you find the best solution every time with your mortgage. We can help you buy your first property and then built towards having a property portfolio to build future wealth. A financial check up for your mortgage is always recommended to ensure we are getting the best deal from the ones available out there.

Our Misson

To help You find the best mortgage/finance credit solution appropriately suited to your need and in your best interest today and future

Our Vision

To be recognized by You as the industry leader and to maintain healthy relationships with all of our clients throughout their lifetime. 

Our Promises to you

Trust

You come first! We don’t work for the realtors, we don’t work for the lenders.

Integrity

Rest assured that, with an uncompromising belief in our principals, code of ethics and services, you’re in good hands with us.

Privacy

Your privacy and protection are important to us, so we will handle all sensitive information confidentially and in a secure manner.

Exceptional Service

Your satisfaction is our priority. You’ll receive realistic expectations and thorough details throughout our interactions.

Wordwide Locations

Quis dapibus volutpat condi

One term fees

Quis dapibus volutpat condi

Merchant Payment

Quis dapibus volutpat condi

10+

More features

We're your mortgage Guide

At Hamara Mortgage Services, you will always be respected and treated with integrity. Getting a mortgage can be complicated and confusing, not to mention intimidating, and we are glad to be your guide throughout the process. Besides finding you the right mortgage, we’ll also provide you with thorough information and offer resources to help you make the right decision at each critical point. Even if you don’t know what you need, we’ll help you figure it out. We’re your mortgage helper and we’ll assist you in finding the best solution, every time.

Kavit Sharma
Kavit Sharma
2023-12-15
Harprit was very helpful when purchasing our first property! The whole loan process was seamless and settlement through really smoothly with no issues. During the whole process communication and reaching out was always prompt when we had queries to be addressed. Harprit exceeded our expectations guiding us through curly situations and we were very assured and stress-free with Harprit looking after us. We are very grateful for Hamara Mortgage for helping us. Highly recommended Hamara Mortgage Services!
Amar Cheema
Amar Cheema
2023-12-12
Highly recommended for any type of loan application, very helpful and professional.
Vignesh reddy
Vignesh reddy
2023-08-11
We are really Happy and excited to move in to First Home in Australia with the help of Hamara Mortgage Services quick and easy to get the Approval with in short time and helping in all the way as we are very new to this process. Thank you Loving Family

We have reputable customer relationships

There are many variations of passages of Lorem Ipsum available, but the majority have suffered alteration in some form, by injected humour, or randomised words which don’t look even slightly .
0

Praters
Included

0 M

Total
Attendees

Get your own personal consultation

0 +

Lenders

Get in touch

What Interest Rate Am I Eligible For, And What Is The Maximum Amount I Can Borrow? 💸🏠 The interest rates a lender offers you and the maximum amount you can borrow are influenced by similar factors. Interest rates depend on the official cash rate set by the RBA and each lender’s own rates and lending policies. A stronger home loan application, determined by your deposit amount, Loan-to-Value Ratio (LVR), credit rating, and other factors, can result in better rates. 📈📉 The amount you can borrow is also affected by the RBA’s decisions and your serviceability, which is your ability to repay the loan. Higher interest rates mean higher repayments, reducing the amount you can borrow. Lenders will also consider your credit history, income, expenses, and other financial commitments when determining your serviceability. 💳📊 #HamaraFinance #MortgageTips #HomeLoans #InterestRates #BorrowingPower #MortgageTips #RBA #CreditScore #LoanToValueRatio #FinancialPlanning #HomeBuying #MortgageAdvice

1

7 Essential Tips for First Home Buyers 1. Verify your eligibility for a home loan. 2. Calculate all costs associated with the property and loan. 3. Evaluate the neighborhood thoroughly before committing. 4. Aim for the highest deposit possible. 5. Organize your financials and clear debts. 6. Consider more than just the lowest interest rate. 7. Consult a mortgage broker for expert advice. Contact us for more insights on the home buying process. #FirstHomeBuyers #HomeLoans #InvestmentLoans #CarFinance #DebtConsolidation #Refinance #Equity #Investing #Property #PropertyFinance #MortgageBroker #MortgageBrokerBrisbane #MortgageBrokerGoldCoast #MortgageBrokerQueensland #MortgageBrokerAustralia

1

Can I lock in my mortgage interest rate between now and settlement? Yes, you can! 🏠🔒 Your lender will lock in your interest rate for up to 2 months from the date your home loan is approved. This means that even if mortgage rates go up before your loan has settled, your rate won't change. Many lenders offering a 'Rate Lock' will also lower your rate if interest rates decrease, giving you the best of both worlds. Just check if your lender offers this for free, as some charge a Rate Lock fee. #MortgageTips #HomeLoan #RateLock #HomeBuying #RealEstate #PropertyInvestment #FinancialPlanning #MortgageRates #HomeBuyers #SecureYourFuture

2

Lenders have been updating their serviceability calculator based on: - Taxation rates and income tiers in line with the stage 3 tax cuts - Medicare income threshold - HECS- HELP repayment threshold and apply rates If your serviceability was tight before, it's time to revisit with your broker to determine your updated borrowing capacity! 😤 Don't know your borrowing capacity? DM me and let's find out! I want to get you market-ready so you don't miss out! 💪🏼 #RealEstate #Australia #HomeLoan #Finance #PropertyMarket #Serviceability #BorrowingCapacity #BrokerAdvice #hamarafinance

1

Discover the value of a security substitution in Australia, allowing you to transfer your loan from one property to another without closing it—a strategy I've extensively discussed for maximizing savings and efficiency. 🏠💼 #HamaraFinance #MortgageTips #SecuritySubstitution #HomeLoanStrategy #FinancialPlanning #PropertyInvestment #SmartFinance #MortgageTips #RealEstateAustralia #LoanTransfer #SaveMoney

🌟 Understanding Superannuation Beneficiaries: Key Considerations Here are important points to consider when nominating your super beneficiary: 💸Eligible Dependents: Super fund trustees can pay your super death benefit to eligible dependants or your legal personal representative (LPR). 💸Spouse: Includes legally married or de facto spouses, even if estranged. 💸Child: Includes adopted or step-children, potentially even after the relationship with the natural parent ends. 💸Financial Dependent: Someone reliant on you for financial support before your passing. 💸Interdependency Relationship: Two people living together with a close personal relationship and mutual support. 💸Non-Dependents: Parents, siblings, or friends not financially dependent or in an interdependency relationship. 💸Legal Personal Representative (LPR): Responsible for executing your Will or managing your estate if you pass away without a Will. —————— General Advice Disclaimer: the information contained in this post is general in nature and does not take into account your personal situation, needs or objectives. Please seek professional financial advice before making any decisions. 🔍 #Superannuation #Beneficiaries #FinancialPlanning #EstatePlanning #LegalAdvice #SuperFund #PersonalFinance #Dependants #Interdependency #SuperBeneficiary #LPR

2

Selling an Investment Property? Here's How Super Can Help Offset Capital Gains Tax Selling an investment property can be a significant financial decision. While you might enjoy a nice profit, you'll likely face capital gains tax (CGT) on the sale. But a strategic way to potentially minimize that tax burden is to contribute the sale proceeds to your superannuation fund. Here's how it works: 💸You sell your investment property and make a capital gain (sale price minus purchase price). 💸The "6-year rule" for exemption from CGT on investment properties doesn't apply in this scenario, meaning you'll typically owe tax on the gain. 💸Instead of paying capital gains tax to the Australian Taxation Office (ATO), you can contribute all or part of the sale proceeds to your concessional super contributions. 💸These contributions are capped annually, but they offer a distinct advantage: they're taxed lower within your super fund than your marginal tax rate. 💸Essentially, you're "swapping" capital gains tax for potentially lower taxes within your super. Important Note: This strategy is most effective when you have contribution space available in your super fund. There are also eligibility requirements and contribution limits to consider. Thinking of selling an investment property? Speak with a financial advisor to explore if utilizing super contributions to offset capital gains tax might suit your situation. #hamarafinance #Hamarafinanceservices

2

How Can an Offset Account Help Reduce Your Loan? 🏠💸 What is a mortgage offset account? A mortgage offset account is a daily transaction linked to your home loan. While you can use it for regular transactions, including receiving your wage or salary, it differs from a typical account because it helps reduce the interest on your home loan, enabling you to pay off your mortgage sooner. How does an offset account work? The balance in your offset account is deducted from your home loan balance when calculating monthly interest. This means the interest on your mortgage repayments is lower, allowing more of your payment to reduce the principal of your home loan. Benefits of an Offset Account: 💸Reduce Interest: Lower your mortgage interest by offsetting your loan balance. 💸Pay Off Sooner: Accelerate your mortgage repayment by dedicating more funds to the principal. 💸Flexibility: Use it like a regular transaction account for daily needs. 💸Maximize Savings: Deposit your income directly to maximize the offset benefits. 💸Explore how an offset account can help you achieve your financial goals faster! 🏡💰 #HamaraFinance #MortgageTips #OffsetAccount #HomeLoan #ReduceDebt #FinancialSavvy #InterestSavings #HomeOwnership #MortgageRepayment #FinancialFreedom #LoanReduction

3

Mortgage brokers often work closely with lenders, so they may have access to insider knowledge, deals and rates the average home buyer doesn't. Mortgage brokers also often have strong negotiating power and may help you get a lower interest rate on your mortgage because the banks want their business. Hi, I'm Harprit, your go-to Mortgage Broker, here to simplify the mortgage maze for you. My team and I are committed to guiding you through homeownership, asset finance, and commercial finance with ease. Whether you're a first-time buyer, new migrant, or a growing family, we're here to support you every step of the way! 🏡 Want the latest property trends, insider tips, and exclusive deals? Slide into our DMs for a chat. Let’s turn your homeownership dreams into reality! 🌟 #HomeOwnership #MortgageExpert #FinanceWhiz #FirstHome #NewJourney #PropertyGurus #DreamHome #SmartInvestments #RealEstateReady #FollowForUpdates

12

Unlock Your Business Potential with a Commercial Loan A commercial loan is designed to help you invest in commercial property, fund business operations, or buy business equipment. Typically secured against commercial property, it’s an ideal option for those looking to purchase business premises or build a commercial property portfolio. 🏢💼 Whether you’re expanding your business or investing in new opportunities, we are here to support your financial growth. 📈🏦 #CommercialLoan #BusinessGrowth #InvestmentOpportunity #CommercialProperty #BusinessExpansion #LibertyLoans #FinanceYourFuture #BusinessFunding #PropertyPortfolio #SmartInvesting #hamarafinanceservices

🌿 Understanding Green Car Loans: Benefits and Eligibility 🚗 Explore the advantages of green car loans for electric, hybrid, and fuel-efficient vehicles with these key points: Specialized Financing: Green car loans are tailored for environmentally friendly vehicles. Eligibility Criteria: Limited to low-emissions, battery electric, hybrid, and plug-in hybrid vehicles. Interest Rate Incentives: Often offer lower interest rates to promote eco-friendly purchases. Consider a green car to potentially secure better financing terms. Compare options to find the best fit for your financial and environmental goals. 🌍💡 To get the best-customized car loan, call now! ☎️🚗 #HamaraFinance #GreenCarLoans #ElectricVehicles #HybridCars #FuelEfficient #EnvironmentalImpact #CarFinance #LowEmissions #InterestRates #SustainableLiving #FinancialTips

2
Hamara Finance Services️ Updated their cover photo. 1 month ago

12

Stage 3 Tax Cuts: How Will They Affect Your Borrowing Capacity? Starting 1 July, the government is implementing stage 3 tax cuts. 📉🗓️ How will this impact your borrowing capacity? Middle-income earners will benefit the most, with an expected 10% increase in capacity. 💪💰 Higher earners will see even more significant improvements on a dollar basis. Home loan interest rates are also predicted to drop in the second half of the year, making it easier for existing borrowers and those looking to purchase new properties. 🏡📉 Currently, borrowing capacities are low due to high assessment rates mandated by APRA and increased living expenses. 📊🏦 Banks are urging APRA to reduce the 3% pa mandated buffer, which may be adjusted if the property market cools. Overall, borrowing should become easier in the latter half of the year, providing a more favorable environment for buyers. 🌟📈 #HamaraFinance #TaxCuts #BorrowingCapacity #HomeLoans #InterestRates #APRA #PropertyMarket #MiddleIncome #FinanceTips #HousingAffordability #EconomicTrends

2

📊 June 2024 RBA Meeting Update 📊 Economists from Australia's major banks believe the Reserve Bank of Australia (RBA) is unlikely to change the cash rate at its June 2024 meeting. However, various economic pressures may delay the anticipated cash rate cuts until 2025. Most big banks predict the RBA's next move will be an interest rate cut by the end of 2024. Yet, persistent inflation and other factors could push the easing cycle to 2025, prolonging the challenges for mortgage holders. 🏦📉 #HamaraFinance #RBA #InterestRates #EconomicForecast #Inflation #MortgageRates #AustraliaEconomy #CashRate #FinancialUpdate #June2024 #BankingNews

2

When Will Interest Rates Finally Come Down? Expert Forecasts Explained 🔍 Key Points: - 📉 Inflation Slowdown: Inflation is predicted to slow to the RBA's target band by late 2024, unless there are any unexpected upsets. - 🚦 RBA Policy: The Reserve Bank of Australia (RBA) will hold the cash rate steady and maintain tight monetary policy until inflation goals are met. - 📈 Mortgage Rates: As a result, mortgage rates will remain high until the inflation target is achieved. - 🏦 Rate Unwinding: Once inflation goals are met, the RBA will start reducing the cash rate to stimulate the economy. - 💸 Variable Home Loans: Expected to decrease significantly, which will ease monthly mortgage repayments and make servicing a mortgage easier for many Australians. - 📅 RBA Cash Rate Forecasts: - Westpac: Reductions from Jun 2024 to Dec 2025. - NAB: Similar trajectory as Westpac. - CommBank: Aligns with Westpac and NAB's forecasts. - ⛔ ANZ Forecast: ANZ has predicted no rate cuts until 2025. - 🌟 Current Rate Trends: Some lenders are already reducing fixed and variable rates, indicating we may have passed the peak. - 📊 Economic Outlook: A recession in 2024 is unlikely, with unemployment levels normalizing after a period of higher employment. 🔮 Summary:Interest rates are expected to remain relatively high until late 2024, with potential easing between September and December 2024. #HamaraFinance #HomeLoans #InterestRates #RBA #Inflation #MortgageRates #EconomicForecast #AustraliaHousing #RealEstate #FinancialPlanning #Economy2024

3

🚗 Don't panic! Avoid these common car loan mistakes for a smooth and straightforward process. With careful planning and consideration, you'll be driving your dream car in no time. Here are the top ten mistakes to steer clear of: - Not knowing your credit score - Not calculating your budget - Not shopping around - Making too many loan enquiries - Not going to a car finance broker - Rolling negative equity forward - Not having pre-approval before car shopping - Paying too much attention to interest rates - Sacrificing loan term for monthly payments - Not refinancing Connect with Hamara Finance if you are looking for a Car Loan. 🚘💰 #CarLoanTips #AvoidMistakes #FinancialPlanning #CarFinance #CarBuyingTips #HamaraFinance #CarLoanMistakes #SmartCarBuying #FinancialAdvice #DreamCar #CarLoanHelp

3

🔍 Reasons why a small business can find it difficult to obtain finance: - Difficulties in raising finance Security: Banks often require security for a loan, but small companies may lack the necessary assets. - Risk attitude: Banks may be risk-averse to new projects or businesses, resulting in higher interest rates or refusal to lend. - Capital markets: Small businesses may not be large enough to access capital markets for funding. - Owners: Lack of personal wealth in owners can hinder additional finance provision. - Trade credit: Suppliers may hesitate to offer trade credit due to increased credit risk. - Lack of skills: Owners may lack the skills needed to attract various funding types like business angels. - Cash flows: Start-up businesses may struggle to demonstrate sufficient cash flows for repayment. Connect with Hamara Finance if you are looking for a Business Loan. 💼💰 #SmallBusinessFinance #BusinessLoans #FinancialChallenges #SmallBusinessTips #Entrepreneurship #BusinessOwners #FinanceStruggles #FundingDifficulties #HamaraFinance #FinancialSupport

3

As a first-term home buyer, you might wonder: 🤔 1. How much can I borrow? 2. How much deposit do I need? These answers depend on your unique situation. We assist first-home buyers early in their journey to navigate these questions. You could potentially borrow up to 95% of the purchase price plus lender mortgage insurance. But, there are government incentives and guarantor loans that might help you avoid this insurance entirely. Curious to learn more? Give us a call! 📞🏡 #FirstHomeBuyer #HomeBuyingTips #MortgageAdvice #HomeLoans #FirstTimeHomeBuyer #PropertyInvestment #RealEstateTips #FirstHome #HouseHunting #FinancialPlanning #NewHomeOwner

2

Despite a decline in borrowing activity during the March quarter, it's promising to see Queensland leading the mainland states with 29,831 new residential loans. This highlights the region's strong property market and continued investor confidence! 🏡✨ #hamarafinance #hamarafinanceservices #RealEstate #QueenslandProperty #HomeLoans #PropertyMarket #Investment #QLD #Housing #NewLoans #RealEstateNews #PropertyInvestment #MarketTrends

4

Happy Mother's Day 🌸 #Mothersday2024

5

𝐋𝐚𝐮𝐧𝐜𝐡 𝐘𝐨𝐮𝐫 𝐃𝐫𝐞𝐚𝐦𝐬 𝐰𝐢𝐭𝐡 𝐇𝐚𝐦𝐚𝐫𝐚 𝐅𝐢𝐧𝐚𝐧𝐜𝐞! Calling all aspiring entrepreneurs! At 𝐇𝐚𝐦𝐚𝐫𝐚 𝐅𝐢𝐧𝐚𝐧𝐜𝐞, we believe in the power of your ideas. That's why we offer tailored business loans specifically designed to help startups like yours take flight. 𝐆𝐞𝐭 𝐭𝐡𝐞 𝐬𝐭𝐫𝐨𝐧𝐠 𝐬𝐭𝐚𝐫𝐭 𝐲𝐨𝐮 𝐝𝐞𝐬𝐞𝐫𝐯𝐞: ✅Flexible financing options ✅Fast and easy application process ✅Support for small businesses in their early stages 𝐑𝐞𝐚𝐝𝐲 𝐭𝐨 𝐭𝐮𝐫𝐧 𝐲𝐨𝐮𝐫 𝐯𝐢𝐬𝐢𝐨𝐧 𝐢𝐧𝐭𝐨 𝐫𝐞𝐚𝐥𝐢𝐭𝐲? Visit our website and learn more about how Hamara Finance can help you soar! ➡️ 𝐰𝐰𝐰.𝐡𝐚𝐦𝐚𝐫𝐚.𝐚𝐮 #HamaraFinance #StartupLoans #BusinessLoans #Entrepreneur #SupportSmallBusiness

6

📢 Breaking News: RBA Keeps Cash Rate Steady at 4.35% 📢 The Australian Reserve Bank has announced that the cash rate will remain unchanged at 4.35%. This decision highlights a steady approach in navigating current economic conditions. 🏦 What does this mean for you? 📉 Homeowners: Consider reviewing your mortgage terms to ensure you're getting the best deal in a steady-rate environment. 🚗 Car Buyers: Stable rates can create opportunities for favorable financing on your next vehicle purchase. 🏢 Business Owners: Now is the time to explore financing options to fuel your business growth. Hamara Finance Services is here to help you navigate the financial landscape in light of this announcement. Whether you're planning to refinance, buy a new property, or fund your next big project, we've got the expertise to guide you. 📞 Contact us today to understand how the steady cash rate can impact your financial goals and the best strategies to leverage the current market. #RBACashRate #FinancialNews #HamaraFinanceServices #HomeLoans #CarLoans #BusinessLoans #StayInformed

4

🚗 𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝘆𝗼𝘂𝗿 𝗱𝗿𝗲𝗮𝗺 𝗰𝗮𝗿 𝘀𝘁𝗮𝘆 𝗷𝘂𝘀𝘁 𝗮 𝗱𝗿𝗲𝗮𝗺! 🌟 Tired of longing for that perfect ride? It's time to turn those dreams into reality with the perfect car loan from 𝗛𝗮𝗺𝗮𝗿𝗮 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀! 🎉 Our team specializes in finding the best rates tailored to your car needs, ensuring you drive away in your ideal vehicle without compromising. Why settle for less when you can have the perfect car loan? Contact Harprit Kaur, CPA Lending Specialist today at 𝟎𝟒𝟕𝟖 𝟗𝟓𝟔𝟐𝟔𝟕 and take the first step towards owning your dream car! 🚀 #CarLoan #DreamCar #Financing

10

Happy International Labour Day! Today, we celebrate the hard work and dedication of workers around the world. 🌍 Let's continue to strive for fair wages, safe working conditions, and equality for all. #LabourDay #MayDay

1

🕊️Reflecting on the bravery and sacrifice of the ANZACs who served countries. Their memory will always be cherished. #ANZACDay #LestWeForget

8
1

🌟 𝕾𝖙𝖗𝖚𝖌𝖌𝖑𝖎𝖓𝖌 𝖙𝖔 𝖐𝖊𝖊𝖕 𝖚𝖕 𝖜𝖎𝖙𝖍 𝖒𝖚𝖑𝖙𝖎𝖕𝖑𝖊 𝖉𝖊𝖇𝖙 𝖕𝖆𝖞𝖒𝖊𝖓𝖙𝖘?✍ Don't worry, we've got you covered! At 𝗛𝗮𝗺𝗮𝗿𝗮 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀, we understand that your financial well-being is our top priority. 💼 Let's simplify your finances together! ✨ 𝗖𝗼𝗻𝘀𝗼𝗹𝗶𝗱𝗮𝘁𝗲 𝘆𝗼𝘂𝗿 𝗱𝗲𝗯𝘁 𝗶𝗻𝘁𝗼 𝗼𝗻𝗲 𝗺𝗮𝗻𝗮𝗴𝗲𝗮𝗯𝗹𝗲 𝗮𝗻𝗱 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀. Our expert lending specialist, 𝗛𝗮𝗿𝗽𝗿𝗶𝘁 𝗞𝗮𝘂𝗿, 𝗖𝗣𝗔, is here to guide you every step of the way. 📞 Call now at 𝟎𝟒𝟕𝟖𝟗𝟓𝟔𝟐𝟔𝟕 or visit 🌐𝖜𝖜𝖜.𝖍𝖆𝖒𝖆𝖗𝖆.𝖆𝖚 To schedule your loan appointment and take control of your debt today! 🌟 Your prosperity is our priority.🌟 #DebtConsolidation #FinancialFreedom #HamaraFinanceServices

3

🔄 𝗜𝘀 𝗬𝗼𝘂𝗿 𝗙𝗶𝘅𝗲𝗱 𝗟𝗼𝗮𝗻 𝗧𝗲𝗿𝗺 𝗖𝗼𝗺𝗶𝗻𝗴 𝘁𝗼 𝗮𝗻 𝗘𝗻𝗱? 🔄 Don't miss out on a chance to secure a better deal! At Hamara Finance Services, we partner with over 65 lenders to ensure you find the most competitive rates and terms that suit your financial needs. 🌟 Why Choose Hamara Finance Services? 📊 Access to 65+ trusted lenders 🔍 Customized loan comparisons to find you the best deal 🤝 Personalized service tailored to your specific financial situation 🔗 Benefits of Reassessing Your Loan with Us: - Potentially lower your interest rates - Adjust your loan term to match your current financial goals - Explore new features and flexibility not offered in your previous loan Act Now: Don't settle for less when your fixed loan term ends. Let Hamara Finance Services guide you through your options and help you make a decision that could save you money and enhance your financial flexibility. 📞 Contact us today or visit our website to start exploring your options. Let’s secure your financial future together! www.hamara.au #HamaraFinanceServices #FixedLoanEnding #Refinance #BetterDeals #FinancialServices #HomeLoans #CarLoans #CommercialLoans

5

🌟 𝐖𝐞'𝐫𝐞 𝐂𝐞𝐥𝐞𝐛𝐫𝐚𝐭𝐢𝐧𝐠 𝟓-𝐒𝐭𝐚𝐫 𝐄𝐱𝐜𝐞𝐥𝐥𝐞𝐧𝐜𝐞! 🌟 We are thrilled to share some fantastic feedback from one of our valued clients at Hamara Finance Services! Thanks to your support, we've received a glowing 5-star rating for our dedication to providing top-notch financial services. This testimonial is a testament to our commitment to excellence and our passion for helping our clients achieve their dreams. Whether you're exploring home loans, car loans, or commercial financing, we're here to provide you with the best possible service. 🙏 Thank You for trusting us with your financial needs. Your satisfaction is what motivates us every day! 💬 Tell Us Your Story: Have you had a great experience with Hamara Finance Services? We'd love to hear from you! Share your story in the comments or leave us a review. 👉 Discover Why We're Rated 5 Stars: Visit us today and see how we can help you with your financial journey. Your dream, our mission. #HamaraFinanceServices #ClientFeedback #5StarService #FinancialExcellence #ClientSatisfaction #ThankYou

4

𝐋𝐞𝐯𝐞𝐫𝐚𝐠𝐞 𝐲𝐨𝐮𝐫 𝐒𝐌𝐒𝐅 𝐟𝐨𝐫 𝐠𝐫𝐨𝐰𝐭𝐡: 𝐈𝐧𝐯𝐞𝐬𝐭 𝐬𝐦𝐚𝐫𝐭𝐞𝐫 𝐰𝐢𝐭𝐡 𝐒𝐌𝐒𝐅 𝐋𝐨𝐚𝐧𝐬! 𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐮𝐬𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐒𝐌𝐒𝐅 𝐭𝐨 𝐢𝐧𝐯𝐞𝐬𝐭 𝐢𝐧 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 ? An SMSF loan can help you unlock greater potential! Here's a quick breakdown: 1. 𝑷𝒍𝒂𝒏 𝒀𝒐𝒖𝒓 𝑴𝒐𝒗𝒆: Establish your SMSF with a clear investment strategy in mind. 2. 𝑺𝒆𝒄𝒖𝒓𝒆 𝑭𝒊𝒏𝒂𝒏𝒄𝒊𝒏𝒈: Partner with an SMSF loan specialist to find the right loan for your needs. 3. 𝑮𝒓𝒐𝒘 𝒀𝒐𝒖𝒓 𝑷𝒐𝒓𝒕𝒇𝒐𝒍𝒊𝒐: Use the loan to invest in approved assets like property or shares. 4. 𝑹𝒆𝒑𝒂𝒚 𝑺𝒕𝒓𝒂𝒕𝒆𝒈𝒊𝒄𝒂𝒍𝒍𝒚: Align your loan repayments with your investment returns for a smooth journey. ♻️ 𝑹𝒆𝒂𝒅𝒚 𝒕𝒐 𝒕𝒂𝒌𝒆 𝒄𝒉𝒂𝒓𝒈𝒆 𝒐𝒇 𝒚𝒐𝒖𝒓 𝒔𝒖𝒑𝒆𝒓𝒂𝒏𝒏𝒖𝒂𝒕𝒊𝒐𝒏 𝒇𝒖𝒕𝒖𝒓𝒆? 𝐇𝐚𝐫𝐩𝐫𝐢𝐭 𝐊𝐚𝐮𝐫, 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐒𝐩𝐞𝐜𝐢𝐚𝐥𝐢𝐬𝐭 & 𝐂𝐏𝐀 can guide you through the process. Visit our website for more info: www.hamara.au #SMSF #Investment #FinancialPlanning #Superannuation

10

Unlocking the door to your first home just got easier with Hamara Finance Services. Our tailored solutions empower first home buyers to take the leap with just a 5% deposit*. Say goodbye to the burden of Lenders Mortgage Insurance and hello to over 65 lenders competing to offer you the best option. Our team is dedicated to structuring and planning your loan around your unique circumstances, ensuring a fast approval timeline. At Hamara Finance Services, we make your dream of homeownership a reality, one step at a time. Your future home awaits, let's make it happen together. #HamaraFinanceServices #RenegotiateWithConfidence #FinancialFreedom #Empowerment #hamarafinance #localbusiness #YourProsperityOurPriority #FinanceSolutions #DreamHomeGoals #developmentfinance #YourSuccessOurMission #hamaraloans #FinancialGuidance

4

🏡💼 𝐍𝐚𝐯𝐢𝐠𝐚𝐭𝐢𝐧𝐠 𝐒𝐭𝐚𝐦𝐩 𝐃𝐮𝐭𝐲 𝐢𝐧 𝐐𝐮𝐞𝐞𝐧𝐬𝐥𝐚𝐧𝐝 𝐉𝐮𝐬𝐭 𝐆𝐨𝐭 𝐄𝐚𝐬𝐢𝐞𝐫! - 𝐔𝐬𝐞 𝐨𝐮𝐫 𝐂𝐚𝐥𝐜𝐮𝐥𝐚𝐭𝐨𝐫 💼🏡 𝐓𝐚𝐤𝐞 𝐭𝐡𝐞 𝐅𝐢𝐫𝐬𝐭 𝐒𝐭𝐞𝐩: Visit our website https://hamara.au/stamp-duty/, and start planning your property purchase with confidence today! Buying a home or commercial property in Queensland? Don't let the complexities of stamp duty slow you down! 🚀 Hamara Finance Services is excited to introduce our latest online tool - the Stamp Duty Calculator. Whether you're in Brisbane, Gold Coast, Cairns, or anywhere in between, our calculator simplifies your financial planning by providing accurate, instant calculations of the stamp duty costs for your property purchase in Queensland. 🌐 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐬 𝐈𝐧𝐜𝐥𝐮𝐝𝐞: 📊 Accurate calculations tailored to different Queensland regions 🏠 Special considerations for first-time homebuyers 🔄 Updates with the latest tax laws and exemptions 📝 Tips on how to save on stamp duty costs 𝐖𝐡𝐲 𝐔𝐬𝐞 𝐎𝐮𝐫 𝐒𝐭𝐚𝐦𝐩 𝐃𝐮𝐭𝐲 𝐂𝐚𝐥𝐜𝐮𝐥𝐚𝐭𝐨𝐫? Save time, plan better, and understand exactly what your financial commitments will be. Our tool is designed to help you budget effectively, making your dream property a reality sooner. 👩‍💼👨‍💼 For personalized advice and assistance with your property financing needs, our Hamara Finance Services team is just a message away. Reach out to us! Have questions or need guidance? Drop us a message or comment below. We're here to make your property buying journey as seamless as possible. #HamaraFinanceServices #StampDutyCalculator #QueenslandProperties #FinancialTools #PropertyBuying #RealEstateAustralia

5
1

🩺 𝑨𝒕𝒕𝒆𝒏𝒕𝒊𝒐𝒏 𝒂𝒍𝒍 𝑵𝒖𝒓𝒔𝒆𝒔! 🏡 𝒀𝒐𝒖𝒓 𝒅𝒓𝒆𝒂𝒎 𝒉𝒐𝒎𝒆 𝒊𝒔 𝒄𝒍𝒐𝒔𝒆𝒓 𝒕𝒉𝒂𝒏 𝒚𝒐𝒖 𝒕𝒉𝒊𝒏𝒌! Ready to transition from renting to owning? We have exciting news just for you! Unlock your dream home with an incredible ✌98% 𝓛𝓸𝓪𝓷-𝓽𝓸-𝓥𝓪𝓵𝓾𝓮 𝓡𝓪𝓽𝓲𝓸 (𝓛𝓥𝓡)! As a dedicated medical professional, you deserve the chance to reduce the upfront costs of homeownership. ✌𝓗𝓮𝓻𝓮'𝓼 𝓱𝓸𝔀 𝓲𝓽 𝔀𝓸𝓻𝓴𝓼:✌ ‍⚕️‍Be a medical/emergency service provider (like a nurse!) ‍⚕️‍Have a genuine desire to become a homeowner ‍⚕️‍Let us guide you through securing a fantastic 98% LVR home loan 𝓑𝓮𝓷𝓮𝓯𝓲𝓽𝓼 𝓸𝓯 𝓗𝓸𝓶𝓮𝓸𝔀𝓷𝓮𝓻𝓼𝓱𝓲𝓹: ✅ Build equity and wealth over time ✅ Greater financial security and stability ✅ Invest in your future and create a lasting legacy ‍‍‍ Ready to take the next step? Contact 𝗛𝗮𝗿𝗽𝗿𝗶𝘁 𝗞𝗮𝘂𝗿, Lending Specialist, directly at ☎️𝟎𝟒𝟕𝟖 𝟗𝟓𝟔 𝟐𝟔𝟕 for a chat! Explore your options on our website: hamara.au Don't miss out on this amazing opportunity! Your dream of homeownership awaits. #nurses #medicalprofessionals #homeownership #dreamhome #LVR #hamara

4

🌟 Don't just renew, renegotiate! 🌟 At Hamara Finance Services, we believe in empowering you to take control of your financial future. Why settle for the status quo when you can explore better options? Let's work together to find the perfect financial solution tailored to your needs. Your dreams deserve a chance to flourish - let's make it happen! 💼🔑 #Empowerment #FinancialFreedom #RenegotiateWithConfidence #HamaraFinanceServices 🚀🌟

2

Another Good Read: Why Borrowing Money From Friends Can Backfire Research shows how borrowed money can be accompanied by judgment.

4

𝕽𝖊𝖋𝖎𝖓𝖆𝖓𝖈𝖊 & 𝕽𝖊𝖑𝖆𝖝 𝖜𝖎𝖙𝖍 𝖚𝖕 𝖙𝖔 $𝟑,𝟎𝟎𝟎 𝕮𝖆𝖘𝖍 𝕭𝖆𝖈𝖐! 💸✨ Ready to refinance your home loan? Now's the perfect time to make your move! 𝗪𝗲'𝗹𝗹 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂: Slash your interest rate and save big on monthly payments. Free up cash for other financial goals with a cash-out refinance. Find the perfect solution tailored to your unique needs. Plus, enjoy up to $3,000 cash back to assist with closing costs!** 💰 Proud member of the Greater Springfield Chamber of Commerce. Contact Harprit Kaur, Lending Specialist & CPA today! Let's kickstart your refinancing journey. ☎️ 𝟎𝟒𝟕𝟖𝟗𝟓𝟔𝟐𝟔𝟕 P.S. Don't forget to share this with friends and family who might be interested! ➡️ #Refinance #Mortgage #CashBack #Springfield #InterestRate #FinancialGoals

3

Are you dreaming of owning your own home or expanding your business? Look no further! At Hamara Finance Services, we make your dreams a reality with our pre-approval process. Our team of experts will guide you through every step, ensuring a smooth and hassle-free experience. Contact us today to start your journey towards financial empowerment. Our personalized approach and innovative solutions will help you secure the pre-approval you need to take the next big step in your life. Trust us to prioritize your prosperity and provide you with reliable, community-centric support. Your success is our success! Contact us now and let's make your dreams come true together. #FinancialGuidance #YourSuccessOurMission #carfinance #localbusiness #FinanceSolutions #CommercialLoans #DreamHomeGoals #hamarafinance #hamaraloans #developmentfinance #YourProsperityOurPriority #hamarafinanceservices #brisbane #HamaraFinance

6

🏡💰 Exciting News Alert! 🏡💰 Hey, amazing community! Have you heard about our latest Mortgage Scramble ? Try to guess some important elements of Loan approval journey here. 🌟 Whether you're a first-time buyer or looking to refinance, our team at Hamara Finance Service is here to help you secure the best mortgage deal tailored just for you. 🏠💸 Don't miss out on this fantastic opportunity - spread the word, tag your friends, and stay tuned for more updates on our channels! Let's make your dream home a reality, together! 🚀💙 #HamaraFinance #MortgageScramble #DreamHomeGoals #hamarafinance #FinancialGuidance #CommercialLoans #localbusiness #FinanceSolutions #carfinance #YourSuccessOurMission

3

Happy Easter! May the joy of the season fill your heart with happiness. ✨

3

🇦🇺 𝐔𝐧𝐥𝐨𝐜𝐤 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮𝐫 𝐬𝐮𝐩𝐞𝐫-𝐚𝐧𝐧𝐮𝐚𝐭𝐢𝐨𝐧! 🏡 Ready to dive into property investment? Your superannuation might hold the key to your dream property! With 𝗛𝗮𝗿𝗽𝗿𝗶𝘁 𝗞𝗮𝘂𝗿, 𝗼𝘂𝗿 𝗟𝗲𝗻𝗱𝗶𝗻𝗴 𝗦𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘀𝘁 𝗖𝗣𝗔, explore how your super can help you climb the property ladder. Call Now: ☎️ 𝟎𝟒𝟕𝟖 𝟗𝟓𝟔 𝟐𝟔𝟕 or visit 𝗵𝗮𝗺𝗮𝗿𝗮.𝗮𝘂 to learn more! #propertyinvestment #superannuation #owningproperty #australia #hamara #cpa #harpritkaur

4

At Hamara Finance Services, we understand the significance of pre-approval in your financial journey. Obtaining pre-approval for a loan, whether it's for a mortgage, a car, or a commercial venture, is a crucial step that can provide you with a clear picture of your purchasing power. By getting pre-approved, you can shop for properties or vehicles within your budget range, saving you time and effort. This process also showcases to sellers or dealers that you are a serious buyer, potentially giving you an edge in negotiations. Pre-approval not only streamlines your buying process but also gives you peace of mind knowing that you have a lender's commitment to back your financial decisions. It allows you to move forward with confidence, knowing your financial standing and the amount you can borrow. Additionally, pre-approval can help you identify any potential issues with your credit early on, giving you the opportunity to address them before making a purchase. So, let's take the first step towards your goals together - with pre-approval from Hamara Finance Services, your prosperity is our priority. Please call me or text me at 0478 956 267 #FinancialGuidance #FinanceSolutions #hamaraloans #CommercialLoans #YourProsperityOurPriority #hamarafinance #hamarafinanceservices #brisbane #HamaraFinance #YourSuccessOurMission #developmentfinance #NewCar #carfinance #localbusiness

4

🎉✨ What a great experience! 🙌 Thank you to Mr Yaju from Indian Communities of Toowoomba and Nepalese Association of Toowoomba for giving me the opportunity to be their Finance & Lending Partner and contribute to the Toowoomba Holi 2024. 🌈🎨 Very well organised event with great community vibes. Loved connecting with the vibrant local community and looking forward to helping them in all their finance needs. 💼💰 As we move forward, let's carry the spirit of Holi - the spirit of love, unity, and harmony - in all our endeavors. 🌟🎊 #ToowoombaHoli2024 #CommunitySpirit #FinancePartner #Holi2024 #Celebration

11

Are you tired of seeing your rent increase year after year, leaving you uncertain about your future expenses? One solution to consider is buying a home with a fixed mortgage of various durations. Unlike renting, where costs can fluctuate unpredictably, a fixed-rate mortgage offers stability and predictability in your housing expenses. By securing a mortgage, you can lock in your monthly payments for the long term, providing you with financial security and peace of mind. At Hamara Finance Services, we understand the importance of making informed financial decisions that align with your long-term goals. Our team is dedicated to guiding you through the complexities of mortgages with clarity and confidence. We offer personalized and innovative financial solutions to help you achieve your dream of homeownership. By choosing a fixed-rate mortgage, you are taking a proactive step towards building equity and securing your financial future. Let us help you turn your aspirations into achievements – because at Hamara Finance Services, Your Prosperity is our Priority. #hamarafinanceservices #brisbane #CommercialLoans #HamaraFinance #YourProsperityOurPriority #FinanceSolutions #hamarafinance #hamaraloans #FinancialGuidance

3

🌟 Apply, Approve, Repeat with Hamara Finance Services! 🌟 At Hamara Finance Services, we're more than just a financial service - we're your partners in prosperity. Our dedicated team is here to guide you through the application process with ease, ensuring a seamless experience from start to finish. With our commitment to quick approvals and transparent communication, you can trust us to help you achieve your financial goals. Join our community of empowered decision-makers and experience the difference with Hamara Finance Services. Apply for your loan today, get approved in record time, and repeat the cycle of success with us by your side. Your prosperity is our priority, and we're here to support you every step of the way. Let's make your financial dreams a reality - together. 💼📈💫 #HamaraFinance #ApplyApproveRepeat #YourProsperityOurPriority

3

🌟 Unlock your growth potential with Hamara Finance Services! 🚀 Our reliable financing solutions are tailored to your needs, whether you're seeking mortgages, car loans, or venturing into the world of commercial loans. With a Chartered Professional Accountant like Harprit leading the way, navigating the complexities of commercial loans becomes a breeze. Trust us to guide you towards success and prosperity. Your dreams are our priority. 💼💰 #FinanceSolutions #CommercialLoans #YourSuccessOurMission #hamarafinanceservices #brisbane #developmentfinance

6
1

This is a fake screenshot,” the spokesperson told Yahoo Finance. “While we’re investing in our digital services, where the majority of customers are engaging with us, we know access to cash remains important and we certainly have no plans to phase out ATMs or stop providing cash.

1

𝗗𝗼 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝗮𝗯𝗼𝘂𝘁 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱? Low Doc Loans Can Help! Being self-employed is rewarding, but income verification for loans can be a hassle. Our low doc financing streamlines the process for you! 𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝘆 𝗛𝗮𝗺𝗮𝗿𝗮.𝗮𝘂 𝗶𝘀 𝗽𝗲𝗿𝗳𝗲𝗰𝘁 𝗳𝗼𝗿 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿𝘀: ✅ 𝗦𝗺𝗼𝗼𝘁𝗵𝗲𝗿 𝗟𝗼𝗮𝗻 𝗝𝗼𝘂𝗿𝗻𝗲𝘆: We understand your unique situation and offer alternative documentation options. ✅ 𝗟𝗲𝘀𝘀 𝗣𝗮𝗽𝗲𝗿𝘄𝗼𝗿𝗸: Say goodbye to mountains of paperwork. Ready to learn more? 📞 Call us now: 𝟬𝟰𝟳𝟴 𝟵𝟱𝟲 𝟮𝟲𝟳 🌐 Visit our website: 𝗵𝗮𝗺𝗮𝗿𝗮.𝗮𝘂 Hamara.au - Proud member of the Greater Springfield Chamber of Commerce. #SelfEmployed #LowDocLoans #AlternativeDocumentation #StreamlinedProcess #HomeLoans #FinanceOptions #Entrepreneurship #FinancialFreedom #SmallBusinessLoans #MortgageBroker #EasyFinancing #SimplifyProcess #BusinessOwners #SelfEmployedLife #PaperworkReduction #LoanOptions #SelfEmployedPerks #FlexibleSolutions #DreamHomeGoals #HamaraFinance

2

𝐇𝐚𝐫𝐩𝐫𝐢𝐭 𝐊𝐚𝐮𝐫 𝐏𝐚𝐫𝐭𝐢𝐜𝐢𝐩𝐚𝐭𝐞𝐝 𝐢𝐧 𝐭𝐡𝐞 𝐅𝐮𝐧 𝐑𝐮𝐧 𝐟𝐨𝐫 𝐬𝐮𝐩𝐩𝐨𝐫𝐭𝐢𝐧𝐠 𝐰𝐨𝐦𝐞𝐧 𝐰𝐢𝐭𝐡 𝐁𝐫𝐞𝐚𝐬𝐭 𝐂𝐚𝐧𝐜𝐞𝐫 ! We're excited to share that our very own Managing Director, Harprit Kaur, participated in the Fun Run in support of breast cancer research! Harprit joined the amazing participants and crossed the finish line alongside them. 𝗛𝗲𝗿 𝗽𝗮𝗿𝘁𝗶𝗰𝗶𝗽𝗮𝘁𝗶𝗼𝗻 𝗲𝘅𝗲𝗺𝗽𝗹𝗶𝗳𝗶𝗲𝗱 𝗼𝘂𝗿 𝗰𝗼𝗺𝗺𝗶𝘁𝗺𝗲𝗻𝘁 𝘁𝗼 𝗴𝗶𝘃𝗶𝗻𝗴 𝗯𝗮𝗰𝗸 𝘁𝗼 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆. We're proud to have a leader who inspires us through their actions. 𝗔 𝗯𝗶𝗴 𝘁𝗵𝗮𝗻𝗸 𝘆𝗼𝘂 𝘁𝗼 𝗛𝗮𝗿𝗽𝗿𝗶𝘁 𝗳𝗼𝗿 𝗷𝗼𝗶𝗻𝗶𝗻𝗴 𝘁𝗵𝗶𝘀 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗲𝘃𝗲𝗻𝘁! #FunRun #BreastCancerResearch #GivingBack #ProudMD

12

Owning a home is a keystone of wealth, symbolizing financial prosperity and emotional stability. At Hamara Finance Services, we understand the significance of such a milestone in your life. Our dedicated team is here to guide you through the intricate world of mortgages, ensuring you make informed decisions with confidence. With our personalized and innovative financial solutions, we transform your dreams of homeownership into a reality. Your prosperity is our priority, and we are committed to empowering you every step of the way. Trust in us to make your journey to homeownership a smooth and rewarding one. #HamaraFinance #ApplyApproveRepeat #YourProsperityOurPriority #brisbane #hamarafinanceservices #CommercialLoans #FinanceSolutions

5

🏡 Unlocking Your First Home: A Guide to First Home Buyer Loans with Hamara Finance 🏡 Embarking on the journey to homeownership is a significant step, and at Hamara Finance, we're here to be your guiding light. We understand that navigating the world of mortgages as a first-time buyer can be overwhelming, but fear not – we've designed our First Home Buyer Loan with you in mind. Why Hamara Finance? 🔗 Flexible Terms: Your financial journey is unique, and so are our loan terms. We tailor our solutions to adapt to your specific situation and budget. 💰 Competitive Rates: Saving money matters. That's why we offer competitive interest rates, ensuring your monthly repayments work in your favor over the long term. 🤝 Supportive Guidance: Our dedicated team is with you every step of the way – from pre-approval to settlement. We provide clear answers to your questions, ensuring you feel confident and informed. What Sets Us Apart? 🎯 Tailored Solutions: We delve into your financial goals and circumstances, recommending the best loan option crafted just for you. 🚀 Streamlined Process: We've simplified the application process, making it fast and efficient. Focus on finding your dream home while we handle the paperwork. 🔍 Transparent Communication: Honesty is our policy. With clear and open communication, you'll always know where you stand. Contact our friendly team today at 📞𝟬𝟰𝟳𝟴 𝟵𝟱 𝟲𝟮𝟲𝟳 or visit our website at 🌐𝘄𝘄𝘄.𝗵𝗮𝗺𝗮𝗿𝗮.𝗮𝘂 to explore more about our First Home Buyer Loan. Let Hamara Finance be your partner in turning the dream of owning your first home into a reality! 🌟🗝️ #FirstHomeBuyer #HomeownershipJourney #HamaraFinance #DreamHomeReality

2

🌟 Your new car is just a step away with Hamara Finance Services by your side! 🚗💨 Our innovative and solution-focused approach ensures that you get the best financial guidance for your needs. Trust us to transform your aspirations into achievements. Your Prosperity our Priority. 🌟 Contact: 0478 956 267 #NewCar #FinancialGuidance #hamarafinance #carfinance #internationalstudents #students #studentlife #hamaraloans #localbusiness #brisbane #toowoomba

6

Proud to announce our membership with the Greater Springfield Chamber of Commerce! 🎉 #SpringfieldChamber #CommunityEngagement #LocalBusiness

9

This International Women's Day, let's pledge to uplift and support each other. Together, we can create a world where every woman's voice is heard and valued. Happy IWD! #TogetherWeRise #EqualityForAll #internationalwomensday24

3

𝗨𝗻𝗹𝗼𝗰𝗸 𝗢𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀 𝗮𝘀 𝗢𝘂𝗿 𝗥𝗲𝗳𝗲𝗿𝗿𝗮𝗹 𝗣𝗮𝗿𝘁𝗻𝗲𝗿 & 𝗥𝗲𝗮𝗽 𝘁𝗵𝗲 𝗥𝗲𝘄𝗮𝗿𝗱𝘀! 🚀 Ready to elevate your income and forge meaningful connections? Our referral program is tailor-made for you! 𝗔𝘀 𝗮 𝘃𝗮𝗹𝘂𝗲𝗱 𝗽𝗮𝗿𝘁𝗻𝗲𝗿 𝘄𝗶𝘁𝗵 𝗛𝗮𝗺𝗮𝗿𝗮.𝗮𝘂, 𝘆𝗼𝘂'𝗹𝗹 𝗲𝗻𝗷𝗼𝘆: 💰 𝗘𝗮𝗿𝗻 𝗮𝗱𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗶𝗻𝗰𝗼𝗺𝗲: Recommend our top-notch services to your network and earn rewards for every successful referral. 🌐 𝗘𝘅𝗽𝗮𝗻𝗱 𝘆𝗼𝘂𝗿 𝗻𝗲𝘁𝘄𝗼𝗿𝗸: Connect with like-minded individuals, fostering a robust community for sharing valuable leads. 🤝 𝗠𝘂𝘁𝘂𝗮𝗹𝗹𝘆 𝗯𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗹 𝗽𝗮𝗿𝘁𝗻𝗲𝗿𝘀𝗵𝗶𝗽: It's a win-win! You pocket extra cash, and we welcome valuable new clients. Reach out to us today to dive into the program details and kickstart this exciting journey! 📞 Phone: 𝟎𝟒𝟕𝟖 𝟗𝟓𝟔 𝟐𝟔𝟕 🌐 Website: Hamara.au: 𝖜𝖜𝖜.𝖍𝖆𝖒𝖆𝖗𝖆.𝖆𝖚 #ReferralProgram #PartnershipOpportunity #Hamara #ReferralRewards #IncomeOpportunity #NetworkExpansion #WinWinPartnership #CommunityConnections #ExtraCashInYourPocket #ValuableLeads #HamaraReferral #FinancialRewards #NetworkEngagement #MutuallyBeneficial #JoinUsNow #ReferralSuccess #ElevateYourIncome #MeaningfulConnections #CashInYourPocket #ReferralJourney #TopNotchServices #ReferralCommunity #ReferralPartnership #FinancialOpportunity #SuccessfulReferrals #DiveIntoDetails #KickstartYourJourney

5

🔄 Thinking About Refinancing? 🔄 In a world where financial flexibility is key, refinancing might just be what you need! 🌈 Reduce your monthly payments, consolidate debt, or unlock equity in your home with Hamara Finance Services. Why Refinance? 📉 Lower Interest Rates 💼 Debt Consolidation 💰 Unlock Equity 🕒 Loan Term Adjustments Choose Hamara Finance Services: Tailored Refinancing Solutions ⚙︎ Competitive Rates ⚙︎ Expert Advice ⚙︎ Hassle-Free Process ⚙︎ Refinancing can provide the financial breathing room you need. Let's explore how we can support your goals and potentially save you money! 📞📩 Contact us today to discuss your options and how we can help you achieve financial freedom. Visit 🔗 www.hamara.au or 📲 DM us at 0478 956 267 for a no-obligation consultation! #HamaraFinanceServices #RefinanceWithHamara #SmartSavings #DebtConsolidation #UnlockEquity #FinancialGoals #AchieveYourDreams #FinancialFreedom

6

This is a good read..for anyone looking news for Rate Cuts.

2
Hamara Finance Services️ Updated their cover photo. 5 months ago

5

𝐇🌟 𝐃𝐢𝐬𝐜𝐨𝐯𝐞𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐅𝐫𝐞𝐞𝐝𝐨𝐦 𝐰𝐢𝐭𝐡 𝐇𝐚𝐦𝐚𝐫𝐚 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐒𝐞𝐫𝐯𝐢𝐜𝐞𝐬! 🌟 Are you dreaming of owning your perfect home 🏡, driving off in your dream car 🚗, or launching the project that's been on your mind for years? Your dreams are within reach with Hamara Finance Services! At Hamara Finance Services, we specialize in: • 🏠 Home Loans • 🚗 Car Loans • 🚚 Vehicle Loans • 🏗️ Development Project Loans Why choose us? • 💼 Personalized Solutions: We understand that every client's needs are unique, and we're here to offer tailored financial solutions. • 📊 Competitive Rates: Access some of the best rates in the market, making your loan affordable. • 🕒 Fast Processing: We value your time. Our team works diligently to ensure your loan application is processed quickly and efficiently. • 🤝 Trusted Advice: With years of experience and a deep understanding of the finance industry, we're your partners in making informed financial decisions. 👉 Whether you're in Springfield Lake, Ripley, Springfield, Augustine Heights, Brookwater, South Ripley, Spring Mountain, Redbank Plains, Pallara, or Forest Lake, Plainsland, Fernvale, Gatton, Toowoomba, we're here to support your financial journey. ✨ Ready to take the next step? ✨ Contact us today to discuss your financial needs and how we can help you achieve your dreams! 📞📩 🔗 www.hamara.au or 📲 DM us to 0478 956 267 #HamaraFinanceServices #HomeLoans #CarLoans #ProjectFinancing #AchieveYourDreams #FinancialFreedom

8

𝐂𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐢𝐧𝐠 𝐚𝐧 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲? 𝐋𝐞𝐭 𝐇𝐚𝐦𝐚𝐫𝐚 𝐇𝐞𝐥𝐩! 🏠💰 Dreaming of building wealth through real estate? Owning an investment property can be the key to your financial goals, but securing funds can be challenging. Enter Hamara! 🌟 They specialize in helping individuals like you navigate the process of obtaining the financial resources needed for your investment property. 𝐇𝐨𝐰 𝐇𝐚𝐦𝐚𝐫𝐚 𝐜𝐚𝐧 𝐚𝐬𝐬𝐢𝐬𝐭 𝐲𝐨𝐮: 🔍 𝐄𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞: Their team guides you through financing options tailored to your situation and goals. 🚀 𝐒𝐭𝐫𝐞𝐚𝐦𝐥𝐢𝐧𝐞𝐝 𝐏𝐫𝐨𝐜𝐞𝐬𝐬: Simplifying financing, saving you time and effort. 🤝 𝐒𝐮𝐩𝐩𝐨𝐫𝐭:They're there to answer questions and provide ongoing support. Ready to take the next step? Visit Hamara's website: www.hamara.au contact them directly to discuss your investment property goals and turn them into reality. 📈✨ #InvestmentProperty #FinancialGoals #RealEstateInvesting #HamaraHelps

3

🚗✨ 𝑹𝒆𝒗𝒗𝒊𝒏𝒈 𝑼𝒑 𝒀𝒐𝒖𝒓 𝑫𝒓𝒆𝒂𝒎𝒔: 𝑶𝒘𝒏 𝒀𝒐𝒖𝒓 𝑫𝒓𝒆𝒂𝒎 𝑪𝒂𝒓 𝒘𝒊𝒕𝒉 𝑯𝒂𝒎𝒂𝒓𝒂 𝑭𝒊𝒏𝒂𝒏𝒄𝒆 𝑺𝒆𝒓𝒗𝒊𝒄𝒆𝒔! 🚀Our flexible and tailored solutions are designed to fit your unique financial journey, making that dream car a reality. 🚗💨 𝐇𝐞𝐫𝐞'𝐬 𝐰𝐡𝐚𝐭 𝐦𝐚𝐤𝐞𝐬 𝐮𝐬 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭: 💰 𝘾𝙤𝙢𝙥𝙚𝙩𝙞𝙩𝙞𝙫𝙚 𝙞𝙣𝙩𝙚𝙧𝙚𝙨𝙩 𝙧𝙖𝙩𝙚𝙨: Get the best value for your money. 🏎️ 𝙁𝙖𝙨𝙩 𝙖𝙣𝙙 𝙚𝙖𝙨𝙮 𝙖𝙥𝙥𝙡𝙞𝙘𝙖𝙩𝙞𝙤𝙣 𝙥𝙧𝙤𝙘𝙚𝙨𝙨: Get loan-approved with in a short time and drive away sooner. 🤝 𝘿𝙚𝙙𝙞𝙘𝙖𝙩𝙚𝙙 𝙨𝙪𝙥𝙥𝙤𝙧𝙩 𝙩𝙚𝙖𝙢: We're here to guide you every step of the way. Ready to take the wheel of your dream? 🌈 Call us at 𝟎𝟒𝟕𝟖 𝟗𝟓𝟔 𝟐𝟔𝟕 to find out more. Visit our website at 𝐰𝐰𝐰.𝐡𝐚𝐦𝐚𝐫𝐚.𝐚𝐮 #HamaraFinanceServices #CarLoans #DreamCar #OwnYourDreams #FlexibleSolutions #CompetitiveRates #FastAndEasy #DedicatedSupport

5

🚀 𝑬𝒙𝒄𝒊𝒕𝒊𝒏𝒈 𝑵𝒆𝒘𝒔 𝒇𝒓𝒐𝒎 𝑯𝒂𝒎𝒂𝒓𝒂 𝑭𝒊𝒏𝒂𝒏𝒄𝒆 𝑺𝒆𝒓𝒗𝒊𝒄𝒆𝒔! 🌟 Looking to turn your dreams into reality? Look no further! Hamara Finance Services is here to empower your aspirations with a range of financial solutions tailored just for you. 💰✨ Explore our comprehensive services: 🏡 𝑯𝒐𝒎𝒆 𝑳𝒐𝒂𝒏: Make your dream home a reality. 🚗 𝑪𝒂𝒓 𝑳𝒐𝒂𝒏: Hit the road in your dream car. 💼 𝑷𝒆𝒓𝒔𝒐𝒏𝒂𝒍 𝑳𝒐𝒂𝒏: Achieve your personal goals with ease. 🔄 𝑹𝒆𝒇𝒊𝒏𝒂𝒏𝒄𝒆: Optimize your existing loans for better terms. 🏢 𝑩𝒖𝒔𝒊𝒏𝒆𝒔𝒔 𝑳𝒐𝒂𝒏:Fuel the growth of your enterprise. 🌐 𝑨𝒔𝒔𝒆𝒕 𝑭𝒊𝒏𝒂𝒏𝒄𝒆: Unlock potential with financing for assets. 💳 𝑫𝒆𝒃𝒕 𝑪𝒐𝒏𝒔𝒐𝒍𝒊𝒅𝒂𝒕𝒊𝒐𝒏: Streamline your finances and breathe easy. At Hamara Finance Services, we are dedicated to providing you with flexible, reliable, and customer-centric financial solutions. Your dreams, our commitment! 💪💼 Ready to embark on a journey towards financial success? Contact us today! 📞 Call us at 𝟎𝟒𝟕𝟖 𝟗𝟓𝟔 𝟐𝟔𝟕 🌐 Visit our website: www.hamara.au Let Hamara Finance Services be your partner in progress! 💼💳 #hamarafinance #financialfreedom #LoanSolutions #DreamsRealized

3

🌟 Major Rate Cuts Announced! 📉 Good news for home buyers! 🏡✨ 🔹 Macquarie Bank, AMP, and BOQ have made significant cuts to their fixed home loan rates. 💰 🔹 It’s a perfect time to consider your home buying options with more affordable rates. 🌟 🔹 Whether you’re a first-time buyer or looking to refinance, these rate cuts could benefit you. 🌈 At Hamara Finance Services, we’re here to help you navigate these changes and find the best loan option for your needs. Our expert team is always ready to provide you with personalized advice and support. 🤝 👉 Stay updated with us for the latest in finance and home loan opportunities. 💬 DM us today to learn how these rate cuts can benefit you! #HomeLoans #RateCut #FinanceNews #HamaraFinance #HomeBuying #mortgagebroker #homeloan #carloan

4
Hamara Finance Services️ Updated their profile picture. 6 months ago

3
Hamara Finance Services️ Updated their cover photo. 6 months ago

5

Wishing you all the warmth, joy, and prosperity that Lohri brings! 🔥✨ At Hamara Finance Services, we celebrate the spirit of new beginnings and financial growth. May this Lohri light up your path to financial success, and may your dreams take flight like the soaring bonfire. As we embark on this journey together, let's achieve your financial goals and make every season a season of abundance. Happy Lohri to you and your loved ones! #HamaraFinanceServices #LohriWishes #FinancialProsperity #NewBeginnings

6

Well deserved and congratulations team Australia !

5

"Confidence is Key! 🔑✨ Before you embark on your property shopping journey, make sure you have the power of pre-approval on your side. 💼💼 With a pre-approved mortgage, you can shop for your dream home with confidence, knowing you have the financial backing to make it yours. 🏠💰 Don't wait for surprises, secure your pre-approval today and let's navigate the market together! 🌟💙 #HamaraMortgageServices #PreApprovalPower #ShopWithConfidence #YourDreamHomeAwaits"

5

"Calling all renters! 🏢🔑 Did you know that every month you're paying a mortgage, but unfortunately, it's not your own? 😲 Take control of your future and start building equity in YOUR dream home. 🏠💰 Let's turn your rental payments into an investment in your own property and secure your financial future. Reach out to us today and let's make homeownership a reality for you! 💙✨ #HamaraMortgageServices #RentingVsBuying #BuildEquity #HomeownershipGoals"

10
2

"Ready to make your homeownership dreams a reality? 💭🏠 Ask me how to become a homeowner and let's start the journey together! At Hamara Mortgage Services, we're here to provide expert guidance and personalized solutions to help you achieve your goal of owning a home. Whether you're a first-time buyer, a growing family, or a new migrant, we have the knowledge and experience to navigate the complexities of the mortgage process. From finding the right loan to securing favorable rates, we'll be with you every step of the way. Don't let your dreams remain just dreams. Let's turn them into keys and open the door to your new home! Contact us today to learn more. #HamaraMortgageServices #HomeownershipJourney #AskMeHow #DreamHome #KeysToYourFuture"

8

That comes with a careful study of each applicant's individual circumstances and helping them on the way to successful outcome.

13
1

Happy Mother's Day to all the incredible moms out there! 💐 Today, we celebrate the unwavering love, dedication, and strength that mothers bring to our lives. They are the heart and soul of our families, and their sacrifices and nurturing nature deserve our utmost appreciation. At Hamara Mortgage Services, we understand the importance of family and creating a secure home for your loved ones. We're here to support you in making your dream of owning a home a reality, just as mothers support their families in every way possible. To all the hardworking moms, we admire your resilience and applaud your commitment to your family's well-being. Thank you for everything you do, today and every day. If you're a mom dreaming of providing a safe and comfortable home for your family, we're here to help. Our dedicated team of mortgage experts will guide you through the process, ensuring you find the perfect loan to suit your unique needs. Happy Mother's Day! 🌸 #mothersday #hamaramortgageservices #dreamhome #familyfirst

9

As we reflect on the sacrifices made by our brave ANZAC soldiers, Hamara Mortgage Services would like to take a moment to express our gratitude and appreciation for their service. Today, we honour the ANZAC spirit and the values of courage, mateship, and sacrifice that continue to inspire us all. Lest we forget. #ANZACday #LestWeForget #HamaraMortgageServices #Brisbane #MortgageBroking

6

It’s amazing to be out and connecting with the community at Australian Sikh Games 2023.

14
2

We will be there at Australian Sikh Games 2023 from 7-9th April and wishing everyone involved in the organising committee good luck for the successful event. We wish would love to talk to you at the event. 🙌

10

Our job is to help you achieve your dream of owning home.

23
1
Hamara Finance Services️ Updated their cover photo. 1 year ago

5

Mortgage borrowers received a reprieve from the interest rate rise in Australia. The Reserve Bank of Australia did not increase the cash rate and held it steady after 10 consecutive rate rises. The cash rate target remains at 3.6 per cent. This reprieve could be more permanent than temporary as some experts believe. 🙌 #cashrate #RBA #mortgagebroker #houseloan

6
67
46

Hamara Finance Services

🏠✨Your trusted mortgage experts in Brisbane, empowering you to achieve your home loan and commercial loan dreams.

What Interest Rate Am I Eligible For, And What Is The Maximum Amount I Can Borrow? 💸🏠

The interest rates a lender offers you and the maximum amount you can borrow are influenced by similar factors. Interest rates depend on the official cash rate set by the RBA and each lender’s own rates and lending policies. A stronger home loan application, determined by your deposit amount, Loan-to-Value Ratio (LVR), credit rating, and other factors, can result in better rates. 📈📉

The amount you can borrow is also affected by the RBA’s decisions and your serviceability, which is your ability to repay the loan. Higher interest rates mean higher repayments, reducing the amount you can borrow. Lenders will also consider your credit history, income, expenses, and other financial commitments when determining your serviceability. 💳📊

#HamaraFinance #MortgageTips #HomeLoans #InterestRates #BorrowingPower #MortgageTips #RBA #CreditScore #LoanToValueRatio #FinancialPlanning #HomeBuying #MortgageAdvice
7 Essential Tips for First Home Buyers

1. Verify your eligibility for a home loan.
2. Calculate all costs associated with the property and loan.
3. Evaluate the neighborhood thoroughly before committing.
4. Aim for the highest deposit possible.
5. Organize your financials and clear debts.
6. Consider more than just the lowest interest rate.
7. Consult a mortgage broker for expert advice.

Contact us for more insights on the home buying process.

#FirstHomeBuyers #HomeLoans #InvestmentLoans #CarFinance #DebtConsolidation #Refinance #Equity #Investing #Property #PropertyFinance #MortgageBroker #MortgageBrokerBrisbane #MortgageBrokerGoldCoast #MortgageBrokerQueensland #MortgageBrokerAustralia
Think your income or financial history is holding you back from the property market? You might just need the right expert on your side! 🙋🏻‍♀️🙋🏼

Make 2024 the year you achieve your property dreams! ✨🏡

Contact us today for a free consultation 💌

#hamarafinance #MortgageBrokerAustralia #MortgageBrokerSydney #MortgageBrokerBrisbane #MortgageBrokerMelbourne #WomenWhoInvest #FirstHomeBuyers #SavingForAHouse
Can I lock in my mortgage interest rate between now and settlement?

Yes, you can! 🏠🔒 Your lender will lock in your interest rate for up to 2 months from the date your home loan is approved. This means that even if mortgage rates go up before your loan has settled, your rate won't change. Many lenders offering a 'Rate Lock' will also lower your rate if interest rates decrease, giving you the best of both worlds. Just check if your lender offers this for free, as some charge a Rate Lock fee.

#MortgageTips #HomeLoan #RateLock #HomeBuying #RealEstate #PropertyInvestment #FinancialPlanning #MortgageRates #HomeBuyers #SecureYourFuture
Lenders have been updating their serviceability calculator based on:

- Taxation rates and income tiers in line with the stage 3 tax cuts
- Medicare income threshold
- HECS- HELP repayment threshold and apply rates

If your serviceability was tight before, it's time to revisit with your broker to determine your updated borrowing capacity! 😤

Don't know your borrowing capacity? DM me and let's find out! I want to get you market-ready so you don't miss out! 💪🏼

#RealEstate #Australia #HomeLoan #Finance #PropertyMarket #Serviceability #BorrowingCapacity #BrokerAdvice #hamarafinance
Discover the value of a security substitution in Australia, allowing you to transfer your loan from one property to another without closing it—a strategy I've extensively discussed for maximizing savings and efficiency. 🏠💼 

#HamaraFinance #MortgageTips #SecuritySubstitution #HomeLoanStrategy #FinancialPlanning #PropertyInvestment #SmartFinance #MortgageTips #RealEstateAustralia #LoanTransfer #SaveMoney
🌟 Understanding Superannuation Beneficiaries: Key Considerations

Here are important points to consider when nominating your super beneficiary:

💸Eligible Dependents: Super fund trustees can pay your super death benefit to eligible dependants or your legal personal representative (LPR).
💸Spouse: Includes legally married or de facto spouses, even if estranged.
💸Child: Includes adopted or step-children, potentially even after the relationship with the natural parent ends.
💸Financial Dependent: Someone reliant on you for financial support before your passing.
💸Interdependency Relationship: Two people living together with a close personal relationship and mutual support.
💸Non-Dependents: Parents, siblings, or friends not financially dependent or in an interdependency relationship.
💸Legal Personal Representative (LPR): Responsible for executing your Will or managing your estate if you pass away without a Will.

——————
General Advice Disclaimer: the information contained in this post is general in nature and does not take into account your personal situation, needs or objectives. Please seek professional financial advice before making any decisions.

🔍 #Superannuation #Beneficiaries #FinancialPlanning #EstatePlanning #LegalAdvice #SuperFund #PersonalFinance #Dependants #Interdependency #SuperBeneficiary #LPR
Selling an Investment Property? Here's How Super Can Help Offset Capital Gains Tax

Selling an investment property can be a significant financial decision.  While you might enjoy a nice profit,  you'll likely face capital gains tax (CGT) on the sale.  But a strategic way to potentially minimize that tax burden is to contribute the sale proceeds to your superannuation fund.

Here's how it works:

💸You sell your investment property and make a capital gain (sale price minus purchase price).
💸The "6-year rule" for exemption from CGT on investment properties doesn't apply in this scenario, meaning you'll typically owe tax on the gain.
💸Instead of paying capital gains tax to the Australian Taxation Office (ATO), you can contribute all or part of the sale proceeds to your concessional super contributions.
💸These contributions are capped annually, but they offer a distinct advantage: they're taxed lower within your super fund than your marginal tax rate.
💸Essentially, you're "swapping" capital gains tax for potentially lower taxes within your super.

Important Note: This strategy is most effective when you have contribution space available in your super fund.  There are also eligibility requirements and contribution limits to consider.

Thinking of selling an investment property?  Speak with a financial advisor to explore if utilizing super contributions to offset capital gains tax might suit your situation.

#hamarafinance #Hamarafinanceservices
How Can an Offset Account Help Reduce Your Loan? 🏠💸
What is a mortgage offset account?
A mortgage offset account is a daily transaction linked to your home loan. While you can use it for regular transactions, including receiving your wage or salary, it differs from a typical account because it helps reduce the interest on your home loan, enabling you to pay off your mortgage sooner.

How does an offset account work?
The balance in your offset account is deducted from your home loan balance when calculating monthly interest. This means the interest on your mortgage repayments is lower, allowing more of your payment to reduce the principal of your home loan.

Benefits of an Offset Account:
💸Reduce Interest: Lower your mortgage interest by offsetting your loan balance.
💸Pay Off Sooner: Accelerate your mortgage repayment by dedicating more funds to the principal.
💸Flexibility: Use it like a regular transaction account for daily needs.
💸Maximize Savings: Deposit your income directly to maximize the offset benefits.
💸Explore how an offset account can help you achieve your financial goals faster! 🏡💰

#HamaraFinance #MortgageTips #OffsetAccount #HomeLoan #ReduceDebt #FinancialSavvy #InterestSavings #HomeOwnership #MortgageRepayment #FinancialFreedom #LoanReduction
Top 10 Questions to Ask Your Mortgage Broker:

If you’re seeking an Australian home loan, whether you’re a first-time home buyer, upgrading, downsizing, or refinancing, a mortgage broker can help. Here are the essential questions to ask:

✅Which type of loan is best for me?
✅Who is on your panel of lenders?
✅What information do I need for my home loan application?
✅What is the interest rate?
✅What are the fees on the loan?
✅Can I lock in my mortgage interest rate between now and settlement?
✅Is there a fee to make additional repayments?
✅How long will it take for my loan to be approved?
✅How long will it take for the loan to settle?
✅Where is the point of no return in accepting a loan?

📝 #MortgageQuestions #HomeLoanTips #FirstHomeBuyer #Refinancing #LoanApproval #MortgageBroker #InterestRates #LoanSettlement #HomeBuying #FinancialAdvice #hamarafinance #queenslandaustralia #brisbane #brisbanerealestate
Mortgage brokers often work closely with lenders, so they may have access to insider knowledge, deals and rates the average home buyer doesn't. Mortgage brokers also often have strong negotiating power and may help you get a lower interest rate on your mortgage because the banks want their business.

Hi, I'm Harprit, your go-to Mortgage Broker, here to simplify the mortgage maze for you. My team and I are committed to guiding you through homeownership, asset finance, and commercial finance with ease. Whether you're a first-time buyer, new migrant, or a growing family, we're here to support you every step of the way! 🏡

Want the latest property trends, insider tips, and exclusive deals? Slide into our DMs for a chat. Let’s turn your homeownership dreams into reality! 🌟

#HomeOwnership #MortgageExpert #FinanceWhiz #FirstHome #NewJourney #PropertyGurus #DreamHome #SmartInvestments #RealEstateReady #FollowForUpdates
Unlock Your Business Potential with a Commercial Loan

A commercial loan is designed to help you invest in commercial property, fund business operations, or buy business equipment. Typically secured against commercial property, it’s an ideal option for those looking to purchase business premises or build a commercial property portfolio. 🏢💼

Whether you’re expanding your business or investing in new opportunities, we are here to support your financial growth. 📈🏦

#CommercialLoan #BusinessGrowth #InvestmentOpportunity #CommercialProperty #BusinessExpansion #LibertyLoans #FinanceYourFuture #BusinessFunding #PropertyPortfolio #SmartInvesting #hamarafinanceservices
🌿 Understanding Green Car Loans: Benefits and Eligibility 🚗

Explore the advantages of green car loans for electric, hybrid, and fuel-efficient vehicles with these key points:

Specialized Financing: Green car loans are tailored for environmentally friendly vehicles.
Eligibility Criteria: Limited to low-emissions, battery electric, hybrid, and plug-in hybrid vehicles.
Interest Rate Incentives: Often offer lower interest rates to promote eco-friendly purchases.
Consider a green car to potentially secure better financing terms. Compare options to find the best fit for your financial and environmental goals. 🌍💡

To get the best-customized car loan, call now! ☎️🚗

#HamaraFinance #GreenCarLoans #ElectricVehicles #HybridCars #FuelEfficient #EnvironmentalImpact #CarFinance #LowEmissions #InterestRates #SustainableLiving #FinancialTips
Find the Right Car Loan with Hamara Finance

Are you looking to buy a car and need the right loan? Hamara Finance can help you navigate the best options for your needs. 🚗💼

A secured loan is tied to the asset you're borrowing for, such as a car. This type of loan often has a lower interest rate because the lender can sell the asset if you can't repay the loan. 📉🔒

An unsecured personal loan doesn't require an asset as security, although your income and repayment ability are still assessed. This option is perfect if you don't have an asset to secure the loan. 💳📈

If you're buying a green vehicle under seven years old, a Great Southern Bank Green Car Loan might be the perfect fit for you. 🌱🚙

For vehicles that don't meet the green car criteria, consider a Secured Fixed Car Loan. If you're buying a car older than seven years, an Unsecured Fixed Personal Loan may be your best option. 🚘🔐

Let Hamara Finance help you find the right loan to get you on the road. Contact us today!

#HamaraFinance #CarLoan #SecuredLoan #UnsecuredLoan #GreenCarLoan #GreatSouthernBank #VehicleFinance #CarBuying #AutoLoan #LowInterestRates #FinancialSolutions #CarPurchase
Stage 3 Tax Cuts: How Will They Affect Your Borrowing Capacity?

Starting 1 July, the government is implementing stage 3 tax cuts. 📉🗓️ How will this impact your borrowing capacity? Middle-income earners will benefit the most, with an expected 10% increase in capacity. 💪💰 Higher earners will see even more significant improvements on a dollar basis.

Home loan interest rates are also predicted to drop in the second half of the year, making it easier for existing borrowers and those looking to purchase new properties. 🏡📉

Currently, borrowing capacities are low due to high assessment rates mandated by APRA and increased living expenses. 📊🏦 Banks are urging APRA to reduce the 3% pa mandated buffer, which may be adjusted if the property market cools.

Overall, borrowing should become easier in the latter half of the year, providing a more favorable environment for buyers. 🌟📈

#HamaraFinance  #TaxCuts #BorrowingCapacity #HomeLoans #InterestRates #APRA #PropertyMarket #MiddleIncome #FinanceTips #HousingAffordability #EconomicTrends
📊 June 2024 RBA Meeting Update 📊

Economists from Australia's major banks believe the Reserve Bank of Australia (RBA) is unlikely to change the cash rate at its June 2024 meeting. However, various economic pressures may delay the anticipated cash rate cuts until 2025.

Most big banks predict the RBA's next move will be an interest rate cut by the end of 2024. Yet, persistent inflation and other factors could push the easing cycle to 2025, prolonging the challenges for mortgage holders. 🏦📉

#HamaraFinance #RBA #InterestRates #EconomicForecast #Inflation #MortgageRates #AustraliaEconomy #CashRate #FinancialUpdate #June2024 #BankingNews
When Will Interest Rates Finally Come Down? Expert Forecasts Explained

🔍 Key Points:
- 📉 Inflation Slowdown: Inflation is predicted to slow to the RBA's target band by late 2024, unless there are any unexpected upsets.
- 🚦 RBA Policy: The Reserve Bank of Australia (RBA) will hold the cash rate steady and maintain tight monetary policy until inflation goals are met.
- 📈 Mortgage Rates: As a result, mortgage rates will remain high until the inflation target is achieved.
- 🏦 Rate Unwinding: Once inflation goals are met, the RBA will start reducing the cash rate to stimulate the economy.
- 💸 Variable Home Loans: Expected to decrease significantly, which will ease monthly mortgage repayments and make servicing a mortgage easier for many Australians.
- 📅 RBA Cash Rate Forecasts:
 - Westpac: Reductions from Jun 2024 to Dec 2025.
 - NAB: Similar trajectory as Westpac.
 - CommBank: Aligns with Westpac and NAB's forecasts.
- ⛔ ANZ Forecast: ANZ has predicted no rate cuts until 2025.
- 🌟 Current Rate Trends: Some lenders are already reducing fixed and variable rates, indicating we may have passed the peak.
- 📊 Economic Outlook: A recession in 2024 is unlikely, with unemployment levels normalizing after a period of higher employment.

🔮 Summary:Interest rates are expected to remain relatively high until late 2024, with potential easing between September and December 2024.

#HamaraFinance #HomeLoans #InterestRates #RBA #Inflation #MortgageRates #EconomicForecast #AustraliaHousing #RealEstate #FinancialPlanning #Economy2024
🚗 Don't panic! Avoid these common car loan mistakes for a smooth and straightforward process. With careful planning and consideration, you'll be driving your dream car in no time. Here are the top ten mistakes to steer clear of: 

- Not knowing your credit score 
- Not calculating your budget 
- Not shopping around 
- Making too many loan enquiries 
- Not going to a car finance broker 
- Rolling negative equity forward 
- Not having pre-approval before car shopping 
- Paying too much attention to interest rates 
- Sacrificing loan term for monthly payments 
- Not refinancing 

Connect with Hamara Finance if you are looking for a Car Loan. 🚘💰 

#CarLoanTips #AvoidMistakes #FinancialPlanning #CarFinance #CarBuyingTips #HamaraFinance #CarLoanMistakes #SmartCarBuying #FinancialAdvice #DreamCar #CarLoanHelp
How to Increase Your Borrowing Capacity

Your borrowing capacity is crucial when buying a home or investment property as it determines how much you can spend. It varies between lenders, but you can improve it to broaden your property options. Here are 10 smart ways to increase your borrowing capacity:

- Know Your Credit Score
 - Check your credit score to understand your financial health and identify any issues.
 - Use free services available annually to monitor and improve your score.

- Reduce Your Debts
 - Pay off high-interest debts like credit cards and personal loans to increase repayment ability on a mortgage.

- Reduce Excess Credit Limits
 - Eliminate unused credit cards and lower limits on existing ones, as lenders account for potential debt.

- Choose the Right Home Loan Product
 - Select loan features that suit your situation to impact how much lenders will offer you.

- Organise Your Financial Affairs
 - Keep financial records updated, including tax returns and income information, to streamline mortgage applications.

- Save More Money for Your Deposit
 - A larger deposit shows a consistent saving record, reducing interest and monthly payments.

- Cut Your Expenses
 - Reduce costs like rent, utilities, and other bills to save more for a deposit and increase borrowing power.

- Consider Splitting Liabilities
 - Share expenses with a partner on paper to potentially exclude dependents from your application.

- Increase Your Income
 - Save tax returns, rent spare rooms, work extra shifts, or seek promotions and pay raises to boost income.

- Take a Longer Mortgage Term
 - Opt for a longer term to reduce monthly repayments, though it may result in higher interest over the loan's life.

If you are looking for a mortgage broker to consult for any kind of loan, connect with Humara Finance.

#MortgageTips #BorrowingCapacity #HomeBuying #InvestmentProperty #CreditScore #DebtReduction #FinancialPlanning #SaveForDeposit #IncreaseIncome #LongerMortgageTerm #HumaraFinance #brisbane #queensland
🔍 Reasons why a small business can find it difficult to obtain finance:

- Difficulties in raising finance Security: Banks often require security for a loan, but small companies may lack the necessary assets.

- Risk attitude: Banks may be risk-averse to new projects or businesses, resulting in higher interest rates or refusal to lend.

- Capital markets: Small businesses may not be large enough to access capital markets for funding.

- Owners: Lack of personal wealth in owners can hinder additional finance provision.

- Trade credit: Suppliers may hesitate to offer trade credit due to increased credit risk.

- Lack of skills: Owners may lack the skills needed to attract various funding types like business angels.

- Cash flows: Start-up businesses may struggle to demonstrate sufficient cash flows for repayment.

Connect with Hamara Finance if you are looking for a Business Loan. 💼💰

#SmallBusinessFinance #BusinessLoans #FinancialChallenges #SmallBusinessTips #Entrepreneurship #BusinessOwners #FinanceStruggles #FundingDifficulties #HamaraFinance #FinancialSupport
As a first-term home buyer, you might wonder: 🤔

1. How much can I borrow?
2. How much deposit do I need?

These answers depend on your unique situation. We assist first-home buyers early in their journey to navigate these questions. You could potentially borrow up to 95% of the purchase price plus lender mortgage insurance. But, there are government incentives and guarantor loans that might help you avoid this insurance entirely.

Curious to learn more? Give us a call! 📞🏡

#FirstHomeBuyer #HomeBuyingTips #MortgageAdvice #HomeLoans #FirstTimeHomeBuyer #PropertyInvestment #RealEstateTips #FirstHome #HouseHunting #FinancialPlanning #NewHomeOwner
Here are 3 common mortgage mistakes for investment property in Australia:

🏠 **Overstretching Affordability:**
Mistake: Borrowing to the maximum limit allowed by the lender without considering ongoing costs and potential fluctuations in the rental market.
Impact: Unexpected expenses, repairs, or vacancy periods could lead to difficulty meeting loan repayments and financial stress.

📉 **Focusing Solely on Low Interest Rates:**
Mistake: Prioritizing the lowest interest rate without considering the overall loan features, fees, and long-term financial implications.
Impact: A seemingly attractive low-interest rate might come with hidden fees, shorter fixed-rate terms, or balloon payments that create problems down the road.

📍 **Ignoring Location Analysis:**
Mistake: Purchasing an investment property based on emotions or quick deals without thorough research on the location's rental market, future development plans, and potential capital growth.
Impact: The property might struggle to attract tenants, leading to low rental yields and potentially hindering capital growth expectations.

#hamarafinance #hamarafinanceservices #RealEstateTips #PropertyInvestment #InvestmentMistakes #MortgageAdvice #RealEstateAustralia #PropertyInvestor #RentalMarket #FinancialPlanning #InvestmentStrategy #AvoidMistakes
Despite a decline in borrowing activity during the March quarter, it's promising to see Queensland leading the mainland states with 29,831 new residential loans. This highlights the region's strong property market and continued investor confidence! 🏡✨

#hamarafinance #hamarafinanceservices #RealEstate #QueenslandProperty #HomeLoans #PropertyMarket #Investment #QLD #Housing #NewLoans #RealEstateNews #PropertyInvestment #MarketTrends
Happy Mother's Day 🌸 

#Mothersday2024
𝐋𝐚𝐮𝐧𝐜𝐡 𝐘𝐨𝐮𝐫 𝐃𝐫𝐞𝐚𝐦𝐬 𝐰𝐢𝐭𝐡 𝐇𝐚𝐦𝐚𝐫𝐚 𝐅𝐢𝐧𝐚𝐧𝐜𝐞!

Calling all aspiring entrepreneurs! At 𝐇𝐚𝐦𝐚𝐫𝐚 𝐅𝐢𝐧𝐚𝐧𝐜𝐞, we believe in the power of your ideas. That's why we offer tailored business loans specifically designed to help startups like yours take flight.

𝐆𝐞𝐭 𝐭𝐡𝐞 𝐬𝐭𝐫𝐨𝐧𝐠 𝐬𝐭𝐚𝐫𝐭 𝐲𝐨𝐮 𝐝𝐞𝐬𝐞𝐫𝐯𝐞:

✅Flexible financing options
✅Fast and easy application process 
✅Support for small businesses in their early stages

𝐑𝐞𝐚𝐝𝐲 𝐭𝐨 𝐭𝐮𝐫𝐧 𝐲𝐨𝐮𝐫 𝐯𝐢𝐬𝐢𝐨𝐧 𝐢𝐧𝐭𝐨 𝐫𝐞𝐚𝐥𝐢𝐭𝐲? Visit our website and learn more about how Hamara Finance can help you soar! 
➡️ 𝐰𝐰𝐰.𝐡𝐚𝐦𝐚𝐫𝐚.𝐚𝐮

#HamaraFinance #StartupLoans #BusinessLoans #Entrepreneur #SupportSmallBusiness
📢 Breaking News: RBA Keeps Cash Rate Steady at 4.35% 📢

The Australian Reserve Bank has announced that the cash rate will remain unchanged at 4.35%. This decision highlights a steady approach in navigating current economic conditions. 🏦

What does this mean for you?

📉 Homeowners: Consider reviewing your mortgage terms to ensure you're getting the best deal in a steady-rate environment.
🚗 Car Buyers: Stable rates can create opportunities for favorable financing on your next vehicle purchase.
🏢 Business Owners: Now is the time to explore financing options to fuel your business growth.
Hamara Finance Services is here to help you navigate the financial landscape in light of this announcement. Whether you're planning to refinance, buy a new property, or fund your next big project, we've got the expertise to guide you.

📞 Contact us today to understand how the steady cash rate can impact your financial goals and the best strategies to leverage the current market.

#RBACashRate #FinancialNews #HamaraFinanceServices #HomeLoans #CarLoans #BusinessLoans #StayInformed
🚗 𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝘆𝗼𝘂𝗿 𝗱𝗿𝗲𝗮𝗺 𝗰𝗮𝗿 𝘀𝘁𝗮𝘆 𝗷𝘂𝘀𝘁 𝗮 𝗱𝗿𝗲𝗮𝗺! 🌟

Tired of longing for that perfect ride? It's time to turn those dreams into reality with the perfect car loan from 𝗛𝗮𝗺𝗮𝗿𝗮 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀! 🎉 Our team specializes in finding the best rates tailored to your car needs, ensuring you drive away in your ideal vehicle without compromising.

Why settle for less when you can have the perfect car loan? Contact Harprit Kaur, CPA Lending Specialist today at 𝟎𝟒𝟕𝟖 𝟗𝟓𝟔𝟐𝟔𝟕  and take the first step towards owning your dream car! 🚀 

#CarLoan #DreamCar #Financing
Happy International Labour Day! Today, we celebrate the hard work and dedication of workers around the world. 🌍 Let's continue to strive for fair wages, safe working conditions, and equality for all. 

#LabourDay #MayDay
🕊️Reflecting on the bravery and sacrifice of the ANZACs who served countries. Their memory will always be cherished. 

#ANZACDay #LestWeForget
🌟 𝕾𝖙𝖗𝖚𝖌𝖌𝖑𝖎𝖓𝖌 𝖙𝖔 𝖐𝖊𝖊𝖕 𝖚𝖕 𝖜𝖎𝖙𝖍 𝖒𝖚𝖑𝖙𝖎𝖕𝖑𝖊 𝖉𝖊𝖇𝖙 𝖕𝖆𝖞𝖒𝖊𝖓𝖙𝖘?✍ Don't worry, we've got you covered! At 𝗛𝗮𝗺𝗮𝗿𝗮 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀, we understand that your financial well-being is our top priority. 💼 Let's simplify your finances together!

✨ 𝗖𝗼𝗻𝘀𝗼𝗹𝗶𝗱𝗮𝘁𝗲 𝘆𝗼𝘂𝗿 𝗱𝗲𝗯𝘁 𝗶𝗻𝘁𝗼 𝗼𝗻𝗲 𝗺𝗮𝗻𝗮𝗴𝗲𝗮𝗯𝗹𝗲 𝗮𝗻𝗱 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀. Our expert lending specialist, 𝗛𝗮𝗿𝗽𝗿𝗶𝘁 𝗞𝗮𝘂𝗿, 𝗖𝗣𝗔, is here to guide you every step of the way.

📞 Call now at 𝟎𝟒𝟕𝟖𝟗𝟓𝟔𝟐𝟔𝟕 or visit 
🌐𝖜𝖜𝖜.𝖍𝖆𝖒𝖆𝖗𝖆.𝖆𝖚

To schedule your loan appointment and take control of your debt today! 
🌟 Your prosperity is our priority.🌟 

#DebtConsolidation #FinancialFreedom #HamaraFinanceServices
🔄 𝗜𝘀 𝗬𝗼𝘂𝗿 𝗙𝗶𝘅𝗲𝗱 𝗟𝗼𝗮𝗻 𝗧𝗲𝗿𝗺 𝗖𝗼𝗺𝗶𝗻𝗴 𝘁𝗼 𝗮𝗻 𝗘𝗻𝗱? 🔄

Don't miss out on a chance to secure a better deal! At Hamara Finance Services, we partner with over 65 lenders to ensure you find the most competitive rates and terms that suit your financial needs.

🌟 Why Choose Hamara Finance Services?

📊 Access to 65+ trusted lenders
🔍 Customized loan comparisons to find you the best deal
🤝 Personalized service tailored to your specific financial situation

🔗 Benefits of Reassessing Your Loan with Us:

- Potentially lower your interest rates
- Adjust your loan term to match your current financial goals
- Explore new features and flexibility not offered in your previous loan

Act Now:
Don't settle for less when your fixed loan term ends. Let Hamara Finance Services guide you through your options and help you make a decision that could save you money and enhance your financial flexibility.

📞 Contact us today or visit our website to start exploring your options. Let’s secure your financial future together!

www.hamara.au 

#HamaraFinanceServices #FixedLoanEnding #Refinance #BetterDeals #FinancialServices #HomeLoans #CarLoans #CommercialLoans
🌟 𝐖𝐞'𝐫𝐞 𝐂𝐞𝐥𝐞𝐛𝐫𝐚𝐭𝐢𝐧𝐠 𝟓-𝐒𝐭𝐚𝐫 𝐄𝐱𝐜𝐞𝐥𝐥𝐞𝐧𝐜𝐞! 🌟

We are thrilled to share some fantastic feedback from one of our valued clients at Hamara Finance Services! Thanks to your support, we've received a glowing 5-star rating for our dedication to providing top-notch financial services.

This testimonial is a testament to our commitment to excellence and our passion for helping our clients achieve their dreams. Whether you're exploring home loans, car loans, or commercial financing, we're here to provide you with the best possible service.

🙏 Thank You for trusting us with your financial needs. Your satisfaction is what motivates us every day!

💬 Tell Us Your Story:
Have you had a great experience with Hamara Finance Services? We'd love to hear from you! Share your story in the comments or leave us a review.

👉 Discover Why We're Rated 5 Stars:
Visit us today and see how we can help you with your financial journey. Your dream, our mission.

#HamaraFinanceServices #ClientFeedback #5StarService #FinancialExcellence #ClientSatisfaction #ThankYou
𝐋𝐞𝐯𝐞𝐫𝐚𝐠𝐞 𝐲𝐨𝐮𝐫 𝐒𝐌𝐒𝐅 𝐟𝐨𝐫 𝐠𝐫𝐨𝐰𝐭𝐡: 𝐈𝐧𝐯𝐞𝐬𝐭 𝐬𝐦𝐚𝐫𝐭𝐞𝐫 𝐰𝐢𝐭𝐡 𝐒𝐌𝐒𝐅 𝐋𝐨𝐚𝐧𝐬!

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐮𝐬𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐒𝐌𝐒𝐅 𝐭𝐨 𝐢𝐧𝐯𝐞𝐬𝐭 𝐢𝐧 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 ? An SMSF loan can help you unlock greater potential!

Here's a quick breakdown:

1. 𝑷𝒍𝒂𝒏 𝒀𝒐𝒖𝒓 𝑴𝒐𝒗𝒆: Establish your SMSF with a clear investment strategy in mind.

2. 𝑺𝒆𝒄𝒖𝒓𝒆 𝑭𝒊𝒏𝒂𝒏𝒄𝒊𝒏𝒈: Partner with an SMSF loan specialist to find the right loan for your needs.

3. 𝑮𝒓𝒐𝒘 𝒀𝒐𝒖𝒓 𝑷𝒐𝒓𝒕𝒇𝒐𝒍𝒊𝒐: Use the loan to invest in approved assets like property or shares.

4. 𝑹𝒆𝒑𝒂𝒚 𝑺𝒕𝒓𝒂𝒕𝒆𝒈𝒊𝒄𝒂𝒍𝒍𝒚: Align your loan repayments with your investment returns for a smooth journey. ♻️

𝑹𝒆𝒂𝒅𝒚 𝒕𝒐 𝒕𝒂𝒌𝒆 𝒄𝒉𝒂𝒓𝒈𝒆 𝒐𝒇 𝒚𝒐𝒖𝒓 𝒔𝒖𝒑𝒆𝒓𝒂𝒏𝒏𝒖𝒂𝒕𝒊𝒐𝒏 𝒇𝒖𝒕𝒖𝒓𝒆?

𝐇𝐚𝐫𝐩𝐫𝐢𝐭 𝐊𝐚𝐮𝐫, 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐒𝐩𝐞𝐜𝐢𝐚𝐥𝐢𝐬𝐭 & 𝐂𝐏𝐀 can guide you through the process. Visit our website for more info: www.hamara.au

#SMSF #Investment #FinancialPlanning #Superannuation
🚨 𝑯𝒐𝒍𝒅 𝒐𝒏 𝒂 𝒎𝒊𝒏𝒖𝒕𝒆! 𝑩𝒆𝒇𝒐𝒓𝒆 𝒅𝒊𝒗𝒊𝒏𝒈 𝒊𝒏𝒕𝒐 𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒍𝒐𝒂𝒏𝒔, 𝒍𝒆𝒕'𝒔 𝒕𝒂𝒍𝒌 𝒓𝒊𝒔𝒌𝒔. 💼💰

Investment loans can boost gains but also magnify losses. Here's what to consider:

🔑 𝐊𝐞𝐲 𝐟𝐚𝐜𝐭𝐨𝐫: 𝐋𝐨𝐚𝐧-𝐭𝐨-𝐕𝐚𝐥𝐮𝐞 𝐑𝐚𝐭𝐢𝐨 (𝐋𝐕𝐑)

With LVR up to 95%, you could borrow big against property value. But beware of market dips!

❗ 𝑾𝒉𝒚 𝒃𝒆 𝒄𝒂𝒖𝒕𝒊𝒐𝒖𝒔?

✅Market downturns can leave you owing more than your investment's worth.
✅Interest payments stack on top of potential losses.
✅Don't overlook hidden costs like fees and closing expenses.

🤔 Is a loan right for you?

Ask yourself:

✅Do you have a solid investment strategy?
✅Can you handle repayments if the market tanks?
✅Have you explored non-borrowing options?

Investing's a marathon, not a sprint. Patience and calculated risks pay off in the long run. 🏃‍♂️💼

☎️0𝟒𝟕𝟖 𝟗𝟓𝟔 𝟐𝟔𝟕

Before dialing that number:

✅ Consult a financial advisor.
✅ Research leveraged investing's pros and cons.
✅ Secure your financial safety net.

Remember, responsible investing is the name of the game! 💡💼 

#InvestmentLoans #FinancialWisdom #RiskManagement #hamara
Unlocking the door to your first home just got easier with Hamara Finance Services. Our tailored solutions empower first home buyers to take the leap with just a 5% deposit*. Say goodbye to the burden of Lenders Mortgage Insurance and hello to over 65 lenders competing to offer you the best option. 

Our team is dedicated to structuring and planning your loan around your unique circumstances, ensuring a fast approval timeline. At Hamara Finance Services, we make your dream of homeownership a reality, one step at a time. Your future home awaits, let's make it happen together.

#HamaraFinanceServices #RenegotiateWithConfidence #FinancialFreedom #Empowerment #hamarafinance #localbusiness #YourProsperityOurPriority #FinanceSolutions #DreamHomeGoals #developmentfinance #YourSuccessOurMission #hamaraloans #FinancialGuidance
🏡💼 𝐍𝐚𝐯𝐢𝐠𝐚𝐭𝐢𝐧𝐠 𝐒𝐭𝐚𝐦𝐩 𝐃𝐮𝐭𝐲 𝐢𝐧 𝐐𝐮𝐞𝐞𝐧𝐬𝐥𝐚𝐧𝐝 𝐉𝐮𝐬𝐭 𝐆𝐨𝐭 𝐄𝐚𝐬𝐢𝐞𝐫! - 𝐔𝐬𝐞 𝐨𝐮𝐫 𝐂𝐚𝐥𝐜𝐮𝐥𝐚𝐭𝐨𝐫 💼🏡

𝐓𝐚𝐤𝐞 𝐭𝐡𝐞 𝐅𝐢𝐫𝐬𝐭 𝐒𝐭𝐞𝐩:
Visit our website https://hamara.au/stamp-duty/, and start planning your property purchase with confidence today!

Buying a home or commercial property in Queensland? Don't let the complexities of stamp duty slow you down! 🚀 Hamara Finance Services is excited to introduce our latest online tool - the Stamp Duty Calculator.

Whether you're in Brisbane, Gold Coast, Cairns, or anywhere in between, our calculator simplifies your financial planning by providing accurate, instant calculations of the stamp duty costs for your property purchase in Queensland. 🌐

𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐬 𝐈𝐧𝐜𝐥𝐮𝐝𝐞:

📊 Accurate calculations tailored to different Queensland regions
🏠 Special considerations for first-time homebuyers
🔄 Updates with the latest tax laws and exemptions
📝 Tips on how to save on stamp duty costs

𝐖𝐡𝐲 𝐔𝐬𝐞 𝐎𝐮𝐫 𝐒𝐭𝐚𝐦𝐩 𝐃𝐮𝐭𝐲 𝐂𝐚𝐥𝐜𝐮𝐥𝐚𝐭𝐨𝐫?
Save time, plan better, and understand exactly what your financial commitments will be. Our tool is designed to help you budget effectively, making your dream property a reality sooner.

👩‍💼👨‍💼 For personalized advice and assistance with your property financing needs, our Hamara Finance Services team is just a message away. Reach out to us!

Have questions or need guidance? Drop us a message or comment below. We're here to make your property buying journey as seamless as possible.

#HamaraFinanceServices #StampDutyCalculator #QueenslandProperties #FinancialTools #PropertyBuying #RealEstateAustralia
🩺 𝑨𝒕𝒕𝒆𝒏𝒕𝒊𝒐𝒏 𝒂𝒍𝒍 𝑵𝒖𝒓𝒔𝒆𝒔! 🏡 𝒀𝒐𝒖𝒓 𝒅𝒓𝒆𝒂𝒎 𝒉𝒐𝒎𝒆 𝒊𝒔 𝒄𝒍𝒐𝒔𝒆𝒓 𝒕𝒉𝒂𝒏 𝒚𝒐𝒖 𝒕𝒉𝒊𝒏𝒌!

Ready to transition from renting to owning? We have exciting news just for you!

Unlock your dream home with an incredible ✌98% 𝓛𝓸𝓪𝓷-𝓽𝓸-𝓥𝓪𝓵𝓾𝓮 𝓡𝓪𝓽𝓲𝓸 (𝓛𝓥𝓡)!

As a dedicated medical professional, you deserve the chance to reduce the upfront costs of homeownership.

✌𝓗𝓮𝓻𝓮'𝓼 𝓱𝓸𝔀 𝓲𝓽 𝔀𝓸𝓻𝓴𝓼:✌

‍⚕️‍Be a medical/emergency service provider (like a nurse!) 
‍⚕️‍Have a genuine desire to become a homeowner
‍⚕️‍Let us guide you through securing a fantastic 98% LVR home loan

𝓑𝓮𝓷𝓮𝓯𝓲𝓽𝓼 𝓸𝓯 𝓗𝓸𝓶𝓮𝓸𝔀𝓷𝓮𝓻𝓼𝓱𝓲𝓹:
✅ Build equity and wealth over time
✅ Greater financial security and stability
✅ Invest in your future and create a lasting legacy ‍‍‍

Ready to take the next step?
Contact 𝗛𝗮𝗿𝗽𝗿𝗶𝘁 𝗞𝗮𝘂𝗿,  Lending Specialist, directly at ☎️𝟎𝟒𝟕𝟖 𝟗𝟓𝟔 𝟐𝟔𝟕 for a chat!
Explore your options on our website: hamara.au

Don't miss out on this amazing opportunity! Your dream of homeownership awaits.

#nurses #medicalprofessionals #homeownership #dreamhome #LVR #hamara
🌟 Don't just renew, renegotiate! 🌟 At Hamara Finance Services, we believe in empowering you to take control of your financial future. Why settle for the status quo when you can explore better options? Let's work together to find the perfect financial solution tailored to your needs. Your dreams deserve a chance to flourish - let's make it happen! 💼🔑 

#Empowerment #FinancialFreedom #RenegotiateWithConfidence #HamaraFinanceServices 🚀🌟
𝕽𝖊𝖋𝖎𝖓𝖆𝖓𝖈𝖊 & 𝕽𝖊𝖑𝖆𝖝 𝖜𝖎𝖙𝖍 𝖚𝖕 𝖙𝖔 $𝟑,𝟎𝟎𝟎 𝕮𝖆𝖘𝖍 𝕭𝖆𝖈𝖐! 💸✨

Ready to refinance your home loan? Now's the perfect time to make your move!

𝗪𝗲'𝗹𝗹 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂:

Slash your interest rate and save big on monthly payments.
Free up cash for other financial goals with a cash-out refinance.
Find the perfect solution tailored to your unique needs.
Plus, enjoy up to $3,000 cash back to assist with closing costs!** 💰
Proud member of the Greater Springfield Chamber of Commerce.
Contact Harprit Kaur, Lending Specialist & CPA today! Let's kickstart your refinancing journey. ☎️ 𝟎𝟒𝟕𝟖𝟗𝟓𝟔𝟐𝟔𝟕

P.S. Don't forget to share this with friends and family who might be interested! ➡️

#Refinance #Mortgage #CashBack #Springfield #InterestRate #FinancialGoals
Are you dreaming of owning your own home or expanding your business? Look no further! At Hamara Finance Services, we make your dreams a reality with our pre-approval process. Our team of experts will guide you through every step, ensuring a smooth and hassle-free experience.

Contact us today to start your journey towards financial empowerment. Our personalized approach and innovative solutions will help you secure the pre-approval you need to take the next big step in your life. Trust us to prioritize your prosperity and provide you with reliable, community-centric support. Your success is our success! Contact us now and let's make your dreams come true together.

#FinancialGuidance #YourSuccessOurMission #carfinance #localbusiness #FinanceSolutions #CommercialLoans #DreamHomeGoals #hamarafinance #hamaraloans #developmentfinance #YourProsperityOurPriority #hamarafinanceservices #brisbane #HamaraFinance
🏡💰 Exciting News Alert! 🏡💰

Hey, amazing community! Have you heard about our latest Mortgage Scramble? Guess some important milestones in bank approval journey.

🌟 Whether you're a first-time buyer or looking to refinance, our team at Hamara Finance Service is here to help you secure the best mortgage deal tailored just for you. 🏠💸 Don't miss out on this fantastic opportunity - spread the word, tag your friends, and stay tuned for more updates on our channels! Let's make your dream home a reality, together! 🚀💙

#HamaraFinance #MortgageScramble #DreamHomeGoals #FinancialGuidance #YourSuccessOurMission #localbusiness #carfinance #FinanceSolutions #CommercialLoans
Unlocking Financial Wisdom! 💡 Join me, Harprit, your lending specialist at Hamara Finance Services, as I break down the importance of your credit score and how it impacts your loan options. 🏠💰 Don't miss out! #FinancialTips #CreditScore #LoanOptions
Happy Easter! May the joy of the season fill your heart with happiness. ✨
🇦🇺 𝐔𝐧𝐥𝐨𝐜𝐤 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮𝐫 𝐬𝐮𝐩𝐞𝐫-𝐚𝐧𝐧𝐮𝐚𝐭𝐢𝐨𝐧! 🏡

Ready to dive into property investment? Your superannuation might hold the key to your dream property!

With 𝗛𝗮𝗿𝗽𝗿𝗶𝘁 𝗞𝗮𝘂𝗿, 𝗼𝘂𝗿 𝗟𝗲𝗻𝗱𝗶𝗻𝗴 𝗦𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘀𝘁 𝗖𝗣𝗔, explore how your super can help you climb the property ladder.

Call Now: ☎️ 𝟎𝟒𝟕𝟖 𝟗𝟓𝟔 𝟐𝟔𝟕 or visit 𝗵𝗮𝗺𝗮𝗿𝗮.𝗮𝘂 to learn more! 

#propertyinvestment #superannuation #owningproperty #australia #hamara #cpa #harpritkaur
At Hamara Finance Services, we understand the significance of pre-approval in your financial journey. Obtaining pre-approval for a loan, whether it's for a mortgage, a car, or a commercial venture, is a crucial step that can provide you with a clear picture of your purchasing power. By getting pre-approved, you can shop for properties or vehicles within your budget range, saving you time and effort. This process also showcases to sellers or dealers that you are a serious buyer, potentially giving you an edge in negotiations.

Pre-approval not only streamlines your buying process but also gives you peace of mind knowing that you have a lender's commitment to back your financial decisions. It allows you to move forward with confidence, knowing your financial standing and the amount you can borrow. Additionally, pre-approval can help you identify any potential issues with your credit early on, giving you the opportunity to address them before making a purchase. So, let's take the first step towards your goals together - with pre-approval from Hamara Finance Services, your prosperity is our priority.
🎉✨ What a great experience! 🙌

Thank you to Mr Yaju from Indian Communities of Toowoomba and Nepalese Association of Toowoomba for giving me the opportunity to be their Finance & Lending Partner and contribute to the Toowoomba Holi 2024. 🌈🎨 Very well organised event with great community vibes. Loved connecting with the vibrant local community and looking forward to helping them in all their finance needs. 💼💰

As we move forward, let's carry the spirit of Holi - the spirit of love, unity, and harmony - in all our endeavors. 🌟🎊

#ToowoombaHoli2024 #CommunitySpirit #FinancePartner #Holi2024 #Celebration
Are you tired of seeing your rent increase year after year, leaving you uncertain about your future expenses? One solution to consider is buying a home with a fixed mortgage of various durations. Unlike renting, where costs can fluctuate unpredictably, a fixed-rate mortgage offers stability and predictability in your housing expenses. By securing a mortgage, you can lock in your monthly payments for the long term, providing you with financial security and peace of mind.

At Hamara Finance Services, we understand the importance of making informed financial decisions that align with your long-term goals. Our team is dedicated to guiding you through the complexities of mortgages with clarity and confidence. We offer personalized and innovative financial solutions to help you achieve your dream of homeownership. By choosing a fixed-rate mortgage, you are taking a proactive step towards building equity and securing your financial future. Let us help you turn your aspirations into achievements – because at Hamara Finance Services, Your Prosperity is our Priority.

#hamarafinanceservices #brisbane #CommercialLoans #HamaraFinance #YourProsperityOurPriority #FinanceSolutions #hamarafinance #hamaraloans #FinancialGuidance
🌟 Apply, Approve, Repeat with Hamara Finance Services! 🌟

At Hamara Finance Services, we're more than just a financial service - we're your partners in prosperity. Our dedicated team is here to guide you through the application process with ease, ensuring a seamless experience from start to finish. With our commitment to quick approvals and transparent communication, you can trust us to help you achieve your financial goals.

Join our community of empowered decision-makers and experience the difference with Hamara Finance Services. Apply for your loan today, get approved in record time, and repeat the cycle of success with us by your side. Your prosperity is our priority, and we're here to support you every step of the way. Let's make your financial dreams a reality - together. 💼📈💫 

#HamaraFinance #ApplyApproveRepeat #YourProsperityOurPriority
🌟 Unlock your growth potential with Hamara Finance Services! 🚀 Our reliable financing solutions are tailored to your needs, whether you're seeking mortgages, car loans, or venturing into the world of commercial loans. With a Chartered Professional Accountant like Harprit leading the way, navigating the complexities of commercial loans becomes a breeze. Trust us to guide you towards success and prosperity. Your dreams are our priority. 💼💰 

#FinanceSolutions #CommercialLoans #YourSuccessOurMission #hamarafinanceservices #brisbane #developmentfinance
You are using old version of WP Social Ninja Pro. Please update it to the latest version from your plugins list to ensure your feed functions properly.