Its a good idea to review and refinance your home loan

A mortgage is most likely the largest investment you will make, so you should regularly assess your home loan and see if refinancing can provide you with additional benefits. #refinance #homeloan #Creditcarddebt #mortgage#interestrate #broker #investment
Refinancing is when you switch your mortgage to another lender. There can be multiple benefits to refinancing.
1. To cash out home equity
Refinancing your home loan can be a great way to access home equity so that you can invest in another property. This is called ‘gearing’. Alternatively, you can use your equity to renovate, for home improvements or any other worthwhile purpose.
2. To consolidate debt
Rather than carrying personal loans or credit card debts at high rates, you should consider consolidating them into your home loan so you can pay off your debt at the lower rate. This enables you to pay the debt off faster and potentially save thousands of dollars in interest payments providing you maintain you repayments at current levels.
Madhu and her team can help refinance your home. Discuss on 0425 341 086.

THE SAME HOUSE OFTEN IS VALUED DIFFERENTLY

Ever wondered why a home can be listed for one price, valued at another, lender-valued at yet another price and then sold yet another? #HomeBuyer#FirstHomeBuyer #Valuation #HomeLoan#ElephantStory This scenario is like the tale of the 6 blind men and the elephant. Each touched a part of the elephant and decides the whole big picture without any input from the others. The bank value If your home is mortgaged then your lender will definitely value it. This gives the lender security against the borrowed amount if you cannot pay your mortgage and the lender must sell the property to recoup its debt. Hence a bank valuation is usually conservative, sometimes 10%-20% less than the current selling prices of comparable homes. The selling agent’s price appraisal Real estate agents are commonly asked to assess the market value of a property. This will often help a vendor decide who to engage to sell their home. An agent will inspect the home and research comparable sales in the local suburb or town before producing written feedback with a sale price estimation such as “between $X and $X” or “from $X”. This price guide is used when advertising the house. The sale price The price the successful buyer is prepared to pay, and the vendor is willing to accept, on the day the contract is signed is the property’s legally binding sale price. Hot markets, high demand in certain areas and a big turnout on auction day can all have an effect on the final sale price for a property. The local council’s valuation The annual local municipal rates bill shows the notice a Capital Improved Value (CIV), site value, net annual value (NAV) and/or gross rental value (GRV). These figures are calculated using comparable sales data and the bi-annual figures from the State Valuer-General’s offices. Councils and water and fire authorities, use these figures to work out how much homeowners owe them for using their infrastructure and services. The homeowners’ price Every property owner will have a ‘dream price’ in their minds when they come to sell. It includes the memories, convenience factor and any add-ons made to the property. In the end the market will usually decide a property’s value by what a buyer is willing to pay for it at auction or through private sale. Are you looking for a valuation on your property? Contact me on 0425 341 086 or https://www.facebook.com/Madhu.Chaudhuri.FMS/ for a free property valuation.

Women are expected to do more

People often tend to get stuck when they analyse options, set goals and create a well thought-out, perfect plan. This may have worked well while attending school and feel like a logical way to approach a new endeavour. #Women#motivation #goals #Success #WomenCareer #WomenatWork
However, many major life improvements and career trajectories rarely have clear paths or destinations. If you don’t know where you’re going, it’s really difficult to create a map.
Also, since smart women often do things well, people often rely on them, whether it’s juggling multiple responsibilities or projects at work or caring for family. You may often put others first and not have the time to focus on yourself. This can lead women to feel overloaded and depleted and make it more difficult to try something new.

A decade of experience as a businesswoman and being a mother of three girls has given me loads of experience in various aspects of life. I am also a passionate astrologist and mentor various brokers in the mortgage field.
Share your overwhelming moments with me and I can share mine and my client’s experiences to help you move forward to take better financial decisions. Please contact Madhu on 0425 341 086 to discuss.

Winning Attitude

To make progress and enable higher quality, more productive work you need to consider the following three As. #progress #attitude #winning #success

1. Attitude is a state of mind that where you are conscious of what you need to get the job done effectively and efficiently. It’s about being prepared to listen and reflect. This targeted concentration enables you to ignore the distractions and make progress.
2. Attention is about being focused on the task in front of you and giving yourself
enough time to complete it. This involves doing work in dedicated chunks of time. Highly productive people set aside the morning for highly complex thinking. They also ruthlessly manage their schedule to ensure they don’t waste time. 

3. Aptitude is about being really clear on the purpose of the task and
having the plans and patience to carry them through. This is about knowing what
you need to pay attention to and prioritising your focus accordingly. It’s also about
being clear on why you want to do this because if the motivation is missing it will
be hard to follow through.

I love Westmead

Want to live only in Sydney? Here is a highly sought after deal.
#firsthome #Investment #Westmead #Parramatta #Sydney #NewHome#HomeOwner
Located at 93 Bridge Road,Westmead the new site occupies 8,664 square metres of prime R4 zoning land and benefits from a 92.795 metre frontage along Bridge Road to the western elevation and 256.6 metres of combined local internal road frontages along the Northern and Southern boundaries of the property.

The site is located in a gateway position close to the Westmead health district to the North and situated approximately 2.2kms from the Parramatta CBD. The EOI closing 16:00 PM, Thursday 5th April 2018.
The existing improvements on the site comprise 31 single storey two bedroom villas. 

Contact Madhu on 0425 341 086 or at loans@financeandmortgage.com.au to learn about buying off the plan.

Start Saving Today

#savings #Smart #budget #Finance #SavingTips

Skip One $20 Purchase a Week
Your daily cups of coffee, that after-work happy hour and the magazines and bottled waters you pick up from the newsstand every week can all easily add up to $20 or more—and fast.
You’re spending your money on the “nice to haves,” as opposed to the “must-haves.” Eliminating these types of small expenses probably won’t require a major change to your lifestyle—but that $80 a month you’re putting into your savings account could have a big impact.

In this day of rightsizing and downsizing, many employees are working harder than ever to maintain productivity on the job.

Tip #1 to increase productivity - Eat the Frog

Here is what you can do to "jump" ahead.

#EattheFrog #productivity #success #inspiration #achieve

Mark Twain first coined this phrase over a hundred years ago. The basic idea is that when you “eat the frog” first thing in the morning, nothing else will seem as bad the rest of the day. So start by getting your most distasteful task done at the beginning of the day, and if you can’t “eat the whole frog,” set a timer for 30 minutes and just “eat a frog leg” to gain a feeling of accomplishment and get the ball rolling.

Tip#2 to higher productivity - Manage Interruptions
#productivity #success #inspiration #achieve

Studies have shown that each interruption can cost 10 to 15 minutes of productivity each day. You can start by turning off email alerts and other technological distractions when you need to focus. 
Just imagine...minimizing even two interruptions can be the equivalent of 30 minutes of increased productivity per day, which translates to 22 days of increased productivity over the course of a year.

Tip #3 to higher productivity - Time Out Moments
#productivity #success #inspiration #achieve

Having too much on our mind, makes us distracted, forgetful and overwhelmed. To counteract brain overload, try taking occasional time-outs including short “breathers” throughout the day. Take 2 or 3 minutes every other hour to take deep breaths and to stretch your muscles. Also take five or ten minutes to purge any ‘to-do’ lists, meal plans or general worries by writing them all down in a notebook or at the keyboard so you can move ahead with a clearer mind.

Tip #4 to higher productivity - Focus On One Task
#productivity #success #inspiration #achieve #multitask

Many assume that doing two or three tasks at the same time will get work done faster, but multi-tasking is “the death of productivity. 
Research has shown that multi-tasking lowers your IQ by ten points – more IQ points than losing a whole night’s sleep. We’re far more effective and productive when we give ourselves permission to focus on one task at a time.

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Here is how people are earning from home

With the entrepreneurial spirit taking off over the last few years, more and more people are setting up shop from home. If you’re after the flexibility of a career from home this New Year but don’t know where to start, check out some of the great ideas below. #WorkFromHome #PartTimeJobs #EarnMore#OwnBusiness #NewYear #Entrepreneur

1) Get Writing
Great content is always in high demand, and as content is often not needed 9–5, five days a week, many companies prefer to hire freelancers specifically during their high-demand periods. Look for blogging or freelancer sites to find out what the contract or hourly rates are. Do you love to travel and want to share your knowledge? Start Blogging and earn your next holiday.

How to make the most of a small renovation?

Budget Renovation

Purchasing a home is a big expense and unless you have built a new home, the expense does not end at simply buying the home. The following are the top 3 most popular and value adding renovations you can do for your home. They just happen to also add comfort and style as well. #renovation #refinance #homeowner #Firsthomebuyer #newhome #homeloan #mortgage
1) Kitchen
The kitchen is where the family and guests often spends the most amount of time. Unfortunately, it is also one of the most expensive rooms in the home to renovate. As kitchen cabinetry trends go in and out of style within a decade it can often be the one area of your home that can look dated quickly. An updated paint job will bring warmth to this heart of the house.

2) Wooden Deck or Alfresco
When home buyers look at houses, a deck is one of those items that almost everyone can picture doing certain activities on, cementing your home’s resale value. While a house costs about $85 per square foot, the deck is only $35-$50 per square foot, means that you get a lot of value out of this added usable space. For example, making an outdoor living room with a grilling station is a great way to enjoy your home inside and out.

3) Garage Door
The garage door is often neglected. It represents about 20% of the front of your home visually if it faces the front. A new automatic electric door can also provide that luxurious comfort of simply driving into the garage during hot summer or cold winters, making its value and luxury unbeatable.

Contact Madhu on 0425 341 086 to capitalise on your home's equity to fund your renovations or comment on Facebook.

Are you a self-starter, disciplined and motivated individual from a Non finance background?

Diversity is the key to success

Contact us to see what we can offer to people who are optimistic and are constantly learning and applying. Contact Madhu on 0425 341 086 or email your resume to loans@financeandmortgage.com.au to join our team as a business partner, Mortgage broker, Financial Planner or office admin.

 #Mortgage #HomeLoan #Broker #WorkFromHome #FlexibleWork#PartTimeJob #Sydney

I actively recruit women to join our team. Learning to work more effectively and in an environment which is supportive is more important than working 9-5. As women and family makers we need to work less hours, be productive and need to keep our energy levels to enjoy the small daily pleasures with the family.

We hire across all cultures and that opens up my opportunities to connect with the best. They each have their style, support each other, empathize with clients and bring great talent and diversity. Everyone commits to working together and staying on the same page. This has been the single reason for our recent awards.