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Jason Hulbert

Finance Broker

Online Homeloans

www.onlinehomeloans.com.au

Port Melbourne, Victoria

0477402710

I joined the finance industry 3 years ago after being involved in my own businesses for the prior 10 years.

Online Home Loans the new and easy way to get a home loan.

We have top home loan experts, but our market knowledge is also backed by our team of specialist experts in customer experience, digital, data and technology. We believe this strong knowledge base makes a real difference to the home loans service we provide you.

Whether it’s a loan for your first home, or you’ve built an enviable property empire, we can help. Online Home Loans makes the home loan process streamlined, simple and painless.

Want to chat to us? Call 1300 135 456 or
0477 402 710
www.onlinehomeloans.com.au
jason.hulbert@onlinehomeloans.com.au

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answered

Q: My parents have a defaults and they want to guarantor for me. I qualify for FHOG. My deposit coming from my parents. I earn $1700 p/f before tax. I have a car loan but this is for my dad. Bought 3yrs ago $20k now owing $15k. Can I get a homeloan?

A: Hello David,

At first glance, your income appears to be around $44,000 per year Gross.
With this income you may find it difficult to "service" a homeloan. Depending on $ize.
( servicing = wether the banks think you earn enough to pay back the loan.)
When we add your car payments into the figures, the servicing will get even harder for you.

The FHOG applies to the purchase of a new or never lived in property.
SO you would need to buy new.

I am happy to investigate the actual numbers that apply to you, if you would like to contact me.
I would need to know more about the type of default, and some information about your parents to properly answer.
Jason Hulbert
Online Homeloans
Port Melbourne
0477 402 710

answered

Q: I have just started investing in Acorns. ($2,000 + $25 per month + rounding up of my purchases) Is this a good investment or do think I am wasting my time & money?

A: Hi Michael,
I would tend to agree with Ken. I don't know the specifics of the investment, however to answer if you are wasting your time and money, I would want to know more about your situation.
The first thought is - do you still have a mortgage for you owner occupied home? If so, Investing in paying the extra money into that would be a very solid investment.
If however you have paid that off, there are a number of investments available that would or could be a greater benefit for you - vs the one you are discussing.
More than happy to discuss over the phone wth you.
Im not a financial planner, so cannot specifically advise on investments. However I have some interesting points you may wish to consider, and a few connections I can put you in touch with.

Jason Hulbert
0477 402 710
Online Home Loans
Port Melbourne.

answered

Q: We are looking at a new loan and want to know what the difference is between redraw and offset account. Does interest rate change if we did have the offset?

A: Hello Drew,

Kathleen has nailed it, its primarily personal preference.
My clients who choose offset over redraw usually do so with a bigger goal in mind.

In most cases, those clients like to have the benefit of the funds offsetting interest against the mortgage - but keep the funds "Liquid." They are slightly easier to use if you need them.
Use them for what???
Hopefully not for a new car, boat or holiday!
Generally - for a deposit on another property for investment.
It does indeed depend on what your long term goals are.

Im sure you may have done a little research? What are you leaning towards? Why?

Jason Hulbert
Finance Specialist
Online Home Loans
Port Melbourne.
0477 402 710

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