Talk Time With Tom & Tina.

Great start of 2024! In this episode Tom talks about simultaneous settlement, gives an overview on purchasing first, and bridging loans. Week ending 07/01/2024.

Tom discusses about self-employed and foreign income for this week's case study. Week ending 08/10/2023.

Tom and Tina discusses all about pre-approvals! Check out how they tackle all the frequently asked questions and get some tips on pre-approval applications. Week ending 01/10/2023.

For this week's scenario, Tom talks about First Home buyer client and how income will be look into by the lenders.

To end this week, Tom discusses how relationship status affects the lender's servicing and also take on living expense.

Tom and Tina provides this week's discussion regarding Self-Employed and PAYG Income Verification. Week ending 10/09/2023.

Tom and Tina discusses how you can potentially improve your cashflow, especially for those whose fixed rates are ending. Week ending 03/09/2023.

Tom talks about a scenario where the lender doesn’t guarantee the pre-approval loan amount and further discusses how income, gift and maternity leave was taken into consideration on this case study.

Tom and Tina provides this week's wrap up and talks about how much cash do clients need to buy a property for owner occupied and investment purposes. Week ending 27/08/2023.

Tom and Tina provides a summary for the week and discusses about interest rates, property prices, and case studies regarding choosing lenders and ending fixed rate periods. Week ending 13/08/2023.

For this week's episode, Tom discusses refinancing loan and how it can be further structured.

For this episode, Tom discusses first home buyers and first time guarantee.

Tom and Tina provides weekly wrap up and talks about inflation, interest rate, possible mortgage prison solutions, buying investment properties and family guarantee. Week ending 23/07/2023.

You have your preapproval and you are ready to buy. But it’s your first time so how do you actually buy a property? And even if it’s not your first time it may have been a different market when you last purchased. In this podcast, Tina chats with Amanda Clement, award winning agent, and gets some insight from an agents perspective on how to secure that property.

Tom and Tina provides a summary for the week and discusses about fixed rate increase, rate lock, borrowing capacity assessment, and choosing a lender for the clients. Week ending 16/07/2023.

Tom and Tina provide a weekly wrap up talking about interest rate pause, new lender policies, purchases and use of buyers agents. Week ending 09/07/2023.

A special episode as it is the end of financial year wrap up! Tom and Tina provides an EOFY summary and what to expect this coming financial year in terms of rate rise and changes on the policies when purchasing a property & first time buyers. Week Ending 02/07/2023.

Tom and Tina provides this week's summary talking about lender policy, simple refinances, and self-employed income verification. Week ending 25/06/2023.

Tom and Tina provide a weekly wrap up talking about stamp duty changes, rate increase, cash backs, and self-employed applications. Week ending 18/05/2023.

Tom provides this week's summary talking about interest rates, bank projections, rate cuts, mortgage stress and a quick case study. Week ending 11/06/2023.

Tom & Tina provide a weekly wrap talking about first home buyers, inflation, interest rates. Week ending 04/06/2023.

Tom & Tina provide this week's summary talking about Aria Finance journey, qualifications on this new lenders' policy in terms of serviceability and case study for landlords. Week ending 28/05/2023.Read more about the article in this link: https://www.brokernews.com.au/news/breaking-news/startup-brokerage-aria-financial-focuses-on-complex-customers-282513.aspx

For this week's episode, Tom discusses how overtime income is taken by the lenders and how it affects the application.

Tom & Tina provide a weekly wrap up talking about cash backs, unemployment figures, and clarification on offset account and other products. Week ending 21/05/2023.

Tom & Tina provide a weekly wrap up discussing cashback, budget and renovations. Week ending 14/05/2023.

Tom talks about Owner Occupied Interest Only case and the strategy being delivered.

Tom & Tina provide this week's summary and talks about first home deposit schemes, changes to interest and assessment rates, and also house prices. Week ending 05/05/2023.

Tom talks about how Lenders Mortgage Insurance or LMI works.

Tom & Tina wrap up the week and talk about inflation, purchasing, rent and pre-approvals. Week ending 28/04/2023.

Tom discusses how lenders interprets discretionary income such as vested shares.

Tom & Tina provide a weekly wrap up discussing RBA Changes and also touching base on maximizing equity on your property. Week ending 23/04/2023.

Tom & Tina wrap up the week and talk about fixed interest rate changes, first home buyer examples, and interest only case studies. Week ending 16/04/2023.

Tina asks Matt questions about current trends from an economic stand point in April 2023.

Tom & Tina provide a weekly wrap up for the Easter break and discuss changes to first home buyer schemes. Week ending 09/04/2023.

Tom & Tina provide a weekly wrap up and clarity into unintended consequences of not properly understanding the solutions that non-bank lending provide. Also what can happen when you consolidate debt from credit cards and unsecured/secured lending into a longer term mortgage. Week ending 02/04/2023.

Tom & Tina provide a weekly wrap up and insights into some ways to help improve your borrowing capacity; using a mortgage broker, looking at living expenses, assessment rates & consolidating/closing liabilities. Week ending 26/03/2023.

Tom & Tina provide a weekly wrap up, insights into; borrowing capacity, "mortgage prison", bank collapses and our new podcast. Week ending 19/03/2023.

Tom & Tina provide a weekly wrap up with some tips an how to cope with the rising interest rates and a looming fixed rate expiry. Week ending 12/03/2023.

Tom & Tina from Aria Financial provide a weekly wrap-up week ending 05/03/2023.