Henna Girl

12/07/2019

17/04/2019

Homeownership dreams need a reality check.

While its crucial to dream big, you've got to have HUGE work ethic and discipline to make big dreams real.
Before you go looking at dream homes or paying for dream home plans, check how much mortgage you can actually get qualified for.
If it's enough to buy your forever home then great! But of it's not, start looking at lower budget starter homes AND kick your income maximising and expense minimizing into high gear.

06/04/2019

My list, my purchases.

My big son
Helped to write my shopping list which included only items I needed to replenish. It wasn't that walked me out of the store after I had picked up the the things on my list, it was the smile I had when I pictured the I am towards.

05/04/2019

You get what you pay for in life and on the homeownership journey. If your budget and pre approval say you cam afford a $3000 mortgage payment, then start NOW by saving $3000 per month.

Turn the payment into a habit. You'll attract the right home for your budget and you'll afford it without anxiety every month end.

04/04/2019

Happy clients, happy

Delivered contracts to this charming and ambitious couple yesterday at
Understanding their financial and business goals was time well spent. I'm privileged to be able to do my part to protect their plans and to stand ready from here on out to help them on their financial path in anyway I can... ps you have to try the burgers! and will treat you right, I guarantee!

03/04/2019

Just like shopping for shoes, most of us don't buy the first pair we see.
Same thing for the biggest, longest financial commitment we're likely to make. Hit the road 🚗 and actually go into a few different lenders and talk to mortgage officers.

Compare downpayment requirements, interest rates- what it is, whether it's fixed or variable- and the length of time you can get the loan for.

If you feel overwhelmed, talk to someone who knows the jargon. 📲

03/04/2019

Just like shopping for shoes, most if us don't buy the first pair we see.
Same thing for the biggest, longest financial commitment we're likely to make. Hit the road 🚗 and actually go into a few different lenders and talk to a mortgage officer.

Compare downpayment requirements, interest rates- what it is, whether it's fixed or variable- and the length of time you can get the loan for.

If you feel overwhelmed, talk to someone who knows the jargon. 📲

03/04/2019

They make long workdays worth it

01/04/2019

What's your plan to qualify a mortgage?


When you've done your budget, you know what you can afford and you know the maximum mortgage payment you should consider it's time to start paying off debts like loans and credit cards. This will bring down your debt ratio and make your more attractive to banks and other mortgage lenders.

If you think you're ready to take on a mortgage, let's talk 📲

31/03/2019

Prospecting at parkers part 2

Their fish broth on a Sunday morning is absolutely fantastic! Met some great people, generated some interest in insurance and financial planning. This is what every day is about- adding value and enjoying what you do!

31/03/2019

Especially important for business owners

29/03/2019

Make your max total debt payment >35%


If you make $10k per month, your max mortgage payment should be $3500...
If you make $10k AND already pay $500 per month on a loan your max mortgage payment is $3000 per month.