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Sam Frazer

@sam.ourloan

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Finance Broker at @ourloanfinance

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Mortgage repayments putting pressure on your budget? 💰

Don’t wait until you miss a repayment to review your options.

Review your expenses, understand your loan and seek help early if you’re struggling.

#MortgageStress #HomeLoans #PersonalFinance #MortgageBroker taken in Ourloan by @sam.ourloan

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2 days ago

Thinking about buying an investment property? 🏡

Higher borrowing costs and changing market conditions can make investment decisions more challenging.

Before you invest, understand your borrowing capacity, cash flow and the costs involved.

#PropertyInvestment #AustralianProperty #Investing #MortgageBroker taken in Ourloan by @sam.ourloan

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3 days ago

Australian home sales are changing 📉

What does falling sales activity mean for buyers, and could it create opportunities to negotiate?

Understanding the market is key before making your next property move.

Follow Ourloan Finance Brokers for more Australian property and finance updates.

#PropertyMarket #AustralianProperty #HomeBuyers #MortgageBroker taken in Ourloan by @sam.ourloan

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3 days ago

Your credit card limit could be affecting your borrowing power.

Even if you don’t owe anything on your credit card, lenders may consider the credit limit when assessing your application.

That $20,000 limit could potentially be affecting how much you can borrow.

Here’s why.

#CreditCards #BorrowingCapacity #HomeLoans #MortgageBroker taken in Ourloan by @sam.ourloan

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5 days ago

Buying your first home? Start here.

Understanding your deposit, borrowing capacity, government schemes, upfront costs and loan options can make the process much easier.

Here are some of the key things first home buyers should know before getting started.

#FirstHomeBuyer #FirstHome #HomeLoans #mortgagebroker taken in Ourloan by @sam.ourloan

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6 days ago

Fixed or variable? Which home loan is right for you?

A fixed rate can give you repayment certainty, while a variable rate can provide more flexibility.

But there’s more to consider than just the interest rate.

Here’s what you should know before choosing.

#FixedRate #VariableRate #HomeLoans #mortgagebroker by @sam.ourloan

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7 days ago

Should you buy property now or wait?

There’s no one-size-fits-all answer.

Your deposit, income, borrowing capacity, goals and the property you’re looking to buy all matter.

Here are some things I’d consider before making the decision.

#PropertyMarket #HomeBuying #FirstHomeBuyer #MortgageBroker #australianproperty taken in Ourloan by @sam.ourloan

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8 days ago

How much can you actually borrow?

Your borrowing capacity isn’t simply based on your salary.

Lenders also look at your expenses, existing debts, credit limits, dependants and other financial commitments.

Here are some of the key factors that can affect how much you can borrow.

#BorrowingCapacity #HomeLoans #MortgageBroker #PropertyFinance #australianproperty taken in Ourloan by @sam.ourloan

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9 days ago

Your home’s value may have grown significantly over recent years - so why leave that capital sitting idle?

Releasing usable equity allows Sydney homeowners to access funds without selling their property.
Want to know how much usable equity you have in your property? Send us a DM or tap the link in our bio to calculate your options with our Bondi Junction team today! by @sam.ourloan

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10 days ago

Where are property prices heading?

Property prices are constantly changing, but what does that mean if you’re looking to buy, sell or refinance?

Here’s what you need to know about the current property market and what it could mean for your next move.

#PropertyMarket #PropertyPrices #AustralianProperty #HomeBuyers #mortgagebroker by @sam.ourloan

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10 days ago

📉 Interest rates have changed — so what does it actually mean for you?

A change in rates can affect your repayments, borrowing power and your overall home loan strategy.

In this video, I break down what the latest rate changes could mean for borrowers.

💬 If you’re unsure how the change affects you, speak to a mortgage broker.

#MortgageBroker #HomeLoans #InterestRates #AustralianProperty #finance taken in Ourloan by @sam.ourloan

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11 days ago

Breaking News !!! The RBA cash rate has gone up for the 4th time this year.

#RBA #InterestRates taken in Ourloan by @sam.ourloan

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19 days ago