State Home Loan Centre

State Home Loan Centre State Home Loan Centre offer one-stop-solution for all your financial needs.

📈 When will house prices kick off again? 📈⁣⁣The truth is no one really knows... ⁣⁣But house prices are being tipped by K...
02/03/2025

📈 When will house prices kick off again? 📈⁣
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The truth is no one really knows... ⁣
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But house prices are being tipped by KPMG to rise slightly around the country this year, followed by growth 'more aligned with long-term averages' in 2026:⁣
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Here is their predicted rate of house price growth (year on year) for each capital city over the next two years:⁣
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- Sydney: 3.3% (2025), 7.8% (2026)⁣
- Melbourne: 3.5% (2025), 6% (2026)⁣
- Brisbane: 3.1% (2025), 5.6% (2026)⁣
- Adelaide: 2.0% (2025), 3.6% (2026)⁣
- Perth: 4.0% (2025), 4.6% (2026)⁣
- Hobart: 1.8% (2025), 2.7% (2026)⁣
- Darwin 1.2% (2025), 2.5% (2026)⁣
- Canberra: 3.5% (2025), 3.5% (2026)⁣
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Why the predicted uptick in 2026? ⁣
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KMPG points to the prospect of lower interest rates established throughout 2025 driving improved buyer confidence and sentiment into 2026.⁣
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If you’re in a position to buy now, get in touch today to find out your borrowing power. 👇⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

🧐 Got your eyes on a vacant block? 🧐⁣⁣Land loans, also known as vacant land loans, are dedicated to financing the purcha...
25/02/2025

🧐 Got your eyes on a vacant block? 🧐⁣
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Land loans, also known as vacant land loans, are dedicated to financing the purchase of a vacant block.⁣
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These loans work along the same lines as a traditional mortgage in that you pay a deposit, borrow a set amount and then select fixed versus variable rate options.⁣
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But they can come with unique conditions. 🤔⁣
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For example, you may need a larger deposit. Or you might have to pay a slightly higher interest rate than a regular home loan. Or the lender may even require you to construct a home within a set time period.⁣
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Other factors lenders may also want to assess can include access to the site, the shape and make-up of the land, and what service utilities you’ll be able to tap into. 👇⁣
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So if you’ve been eyeing off a vacant block, give us a call first to find out what land loan options might be available. ⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

🙌 Why 3-in-4 home buyers now use a mortgage broker 🙌⁣⁣A record number of people are now turning to a broker to help them...
23/02/2025

🙌 Why 3-in-4 home buyers now use a mortgage broker 🙌⁣
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A record number of people are now turning to a broker to help them obtain finance when buying a home.⁣
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In fact, 74.6% of all new home loans were written by mortgage brokers in the September 2024 quarter (MFAA stats).⁣
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That's the highest market share on record and 3.1% higher than a year previously.⁣
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It's a testament to the valuable role brokers play in today’s complex lending environment. 😊⁣
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It’s not just about securing home buyers a competitive loan rate. ⁣
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Australians are choosing mortgage brokers because of the trust we build and the broad support we offer. 👍⁣
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Put us to the test.⁣
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We’ll work tirelessly to find tailored solutions for your needs. ✅⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

😁 Does home ownership make you happier? 😁⁣⁣A report by Great Southern Bank has found that 8-in-10 Australians say their ...
18/02/2025

😁 Does home ownership make you happier? 😁⁣
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A report by Great Southern Bank has found that 8-in-10 Australians say their home is their happy place.⁣
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It also found that 85% of first home buyers believe home ownership will make them happier. 🏡⁣
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So, if you have been dreaming of buying your own home, get in touch with us today about strategies and government schemes that could potentially help make it become a reality sooner.⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

📆 Refinanced recently? It could be time 📆⁣⁣If you haven’t looked into refinancing since the start of higher interest rat...
16/02/2025

📆 Refinanced recently? It could be time 📆⁣
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If you haven’t looked into refinancing since the start of higher interest rates, it’s time to ask yourself why? 🤔⁣
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New research shows it could be time for a home loan health check.⁣
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A recent analysis by RateCity shows the average borrower who has not refinanced their home loan in the past 12 months has paid almost $6,000 more interest during that period as a result.⁣
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So if you'd like to start 2025 off on the right foot, get in touch with us today for a home loan health check. 👇⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

🚽 How much value does a bathroom reno add? 🚽⁣⁣The humble dunny is quickly becoming a thing of the past.⁣⁣Quality bathroo...
11/02/2025

🚽 How much value does a bathroom reno add? 🚽⁣
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The humble dunny is quickly becoming a thing of the past.⁣
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Quality bathroom renovations typically cost $8,000 to $35,000 these days, says HiPages.⁣
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But, get this.⁣
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You could see a $4 rise in your home’s value for each $1 spent on bathroom improvements, according to LJ Ho**er research.⁣
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Even so, don’t be bum-steered into a bathroom makeover you can’t afford. 😅⁣
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We can explain the funding options available to you within your budget, that will still help give your bathroom a makeover.
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Talk to us today to learn more. 👇⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

🏡 Homes that are notching up above-market gains 🏡⁣⁣If you think luxury homes lead the way for price growth, think again....
09/02/2025

🏡 Homes that are notching up above-market gains 🏡⁣
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If you think luxury homes lead the way for price growth, think again. 🤔⁣
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CoreLogic says the most affordable 25% of properties rose in price by 9.8% in 2024, compared to 1.5% across the top quartile of the market.⁣
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The growth gap is all about buyer demand for more affordable homes.⁣
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The catch? 🎣⁣
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The most affordable segment of the market can be a favourite among both first home buyers and investors.⁣
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So it can be advantageous to be ready to strike when the right property comes along.⁣
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Talk to us about home loan pre-approval and help give yourself a buyer’s edge. 👍⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

🏖 Dreaming of buying a holiday home? 🏖⁣⁣We've almost all been guilty of it.⁣⁣You have a much needed holiday over summer,...
04/02/2025

🏖 Dreaming of buying a holiday home? 🏖⁣
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We've almost all been guilty of it.⁣
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You have a much needed holiday over summer, fall in love with the place, and then next minute you're dreaming of buying your own little place there for good. 😅⁣
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Sure, buying a holiday home involves a major initial outlay.⁣
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But it can also be a long term investment.⁣
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A weekender can also generate short term rental income. 👍⁣
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But there are also some things to be wary of.⁣
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When it comes to loans for a holiday home, you may need a solid deposit. And you'll also want to conduct plenty of research to get a feel for potential capital growth.⁣
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Higher investment loan rates may also apply.⁣
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On the plus side, you may be able to use home equity as a deposit on a holiday property.⁣
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Call us today to explore your finance options when it comes to purchasing a holiday home. 👇⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

🏚 How much does a building and pest inspection cost? 🏚⁣⁣Buying a home often brings a raft of upfront costs, and it can b...
02/02/2025

🏚 How much does a building and pest inspection cost? 🏚⁣
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Buying a home often brings a raft of upfront costs, and it can be tempting to cut back where possible.⁣
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But a pre-purchase pest and building inspection is one expense you probably don’t want to sidestep. 😅⁣
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As a guide, HiPages says a building inspection fee can range from about $200-$300 for a smaller property, $400-$500 for an average-sized house, and $700-$1000 for a larger sized property in a metro area.⁣
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Add in a pest inspection and you could be looking at around $100-$150 extra.⁣
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Looking to buy your next home? Get in touch with us to discover your home loan options. 👇⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

🤔 What types of homes are most popular in Australia? 🤔⁣⁣Australia has 10.8 million private homes, according to ABS stati...
28/01/2025

🤔 What types of homes are most popular in Australia? 🤔⁣
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Australia has 10.8 million private homes, according to ABS statistics, giving buyers plenty of choice.⁣
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Houses (unsurprisingly) make up 70% of residences. 🏡⁣
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And while just 16% of homes are an apartment, almost 40% of online ‘buy’ searches last year involved apartments - so they're piquing more and more interest, according to Proptrack.⁣
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Townhouses are certainly popular too, making up 13% of homes.⁣
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Not sure which type of home you can afford? 🧐⁣
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Call us today to discover your borrowing power to help give you a clearer idea. 👇⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

🏡 How much does LMI add to a home’s cost? 🏡⁣⁣Lenders mortgage insurance (LMI) is a type of insurance that protects the l...
26/01/2025

🏡 How much does LMI add to a home’s cost? 🏡⁣
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Lenders mortgage insurance (LMI) is a type of insurance that protects the lender (not you or any guarantors) if you can’t keep up with your home loan repayments.⁣
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It’s typically applied to home loans when your deposit is less than 20%. ⁣
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LMI usually works out to about 1% to 2% of your loan value, according to Helia, depending on the size of your deposit and the size of your loan.⁣
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The more you can stump up as a deposit, the lower the LMI premium can be. 🙌⁣
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The good news is, if you are eligible, there are ways and government schemes to manage - and potentially even bypass - LMI, even if you don't have the full 20% deposit.⁣
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If you'd like to find out how, get in touch with us today. 👇⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

🤔 Where are home prices headed in 2025? 🤔⁣⁣Here’s how the analysts at Domain see the mainland capital city market shapin...
21/01/2025

🤔 Where are home prices headed in 2025? 🤔⁣
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Here’s how the analysts at Domain see the mainland capital city market shaping up in 2025. 🤓⁣
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Sydney: 4-6% growth for houses and apartments.⁣
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Melbourne: 3-5% growth for houses, up to 2% drop for apartments. ⁣
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Brisbane: 5-7% growth for houses, 7-9% growth for apartments.⁣
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Perth: 8-10% growth for houses and apartments.⁣
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Adelaide: 7-9% growth for houses and apartments.⁣
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Canberra: 3-5% growth for houses, 2-4% drop for apartments.⁣
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Looking to buy in 2025? Call us today to find out how much you could borrow so you can narrow your search. 👇 ⁣
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To find out more, contact State Home Loan Centre on:

☎️ – 1300 151 869 or 02 8067 8412
💻 – [email protected]

Address

L24, Three International Towers, 300 Barangaroo
Sydney, NSW
2000

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Tuesday 9am - 5am
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