Laura Moya Local Mortgage Broker’s Post

Legend Has It: Walt Disney's 302 Rejections. PUSH FOR YOUR DREAM HOME JOURNEY - - Imagine if Walt Disney had given up after the first rejection. Or the second.  Or the 301st. Legend has it, Walt Disney was turned down 302 times before he finally secured financing to create the magical kingdom, we all know and love today: Walt Disney World. - - Feeling down about entering the property market? You're not alone. Many dreamers face obstacles and setbacks, just like Walt did. But here's the magic: persistence pays off. - - At Laura Moya Local Mortgage Broker, we believe in your dream of owning a home. Just like Disney, your vision is worth fighting for. Every "no" is just a step closer to the "yes" that will make your dream a reality. - - Don't let rejection dampen your spirit. Stay resilient, keep pushing, and remember: great things take time. We're here to support you every step of the way, turning those rejections into opportunities. - - I often see so many people feeling down on the potential goals getting pushed out further and further. Hence the positive post to hopefully revive the hope for those who feel a bit down. - - https://lnkd.in/giKMindp - - #mortgageaustralia #mortgagebrokeraustralia #localmortgagebrokermelbourne #lauramoyalocamortgagebroker #homeloansaustralia

Insurance policies. When should you put building insurance in place when you have purchased a property ⬇️⬇️⬇️ - - https://lnkd.in/gSMvunPa

Laura Moya Local Mortgage Broker TIP: Remember to NOT ask for gifted funds from your Father's Day towards the deposit of your property. Wait to surprise him tomorrow onwards instead. - - #mortgageaustralia #mortgagebrokeraustralia #localmortgagebrokermelbourne #lauramoyalocamortgagebroker #homeloansaustralia

FIRST HOME BUYER TIP FROM LAURA MOYA LOCAL MORTGAGE BROKER - - A first home is rarely our ‘dream’ property. It’s a steppingstone that gets you onto the property ladder and later on you can choose to upgrade to a different property. - - #mortgageaustralia #mortgagebrokeraustralia #localmortgagebrokermelbourne #lauramoyalocamortgagebroker #homeloansaustralia

Thinking about buying a home? - - Customers who use a mortgage broker often secure a personalised service compared to going directly to the bank. Let me help you find the mortgage deal tailored to your needs! - - https://lnkd.in/giKMindp - - #mortgageaustralia #mortgagebrokeraustralia #localmortgagebrokermelbourne #lauramoyalocamortgagebroker #homeloansaustralia

NEED A MORTGAGE BROKER? - - 🎵 "I'm a grown-up and I do what I want to do!" 🎵 Gen Z: "Looking for a man in finance? ❤️💸" - - 2024: "How about a mortgage broker instead? 😉 - - Why date a banker when you can have Laura Moya handle your home loan? - - She’s got the charm and the financial smarts to get you into your dream house in Melbourne! - - 👉 Swipe right on homeownership with Laura Moya! - - #mortgageaustralia #mortgagebrokeraustralia #localmortgagebrokermelbourne #lauramoyalocamortgagebroker #homeloansaustralia

DEBT TO INCOME RATIO (DTI). - - Understanding your Debt-to-Income (DTI) ratio is crucial when making a mortgage application. It's the percentage of your monthly income that goes towards paying debts. - - The debts which are included within the DTI are credit card limits, personal loans, HECS / Student Loans, Buy Now Pay Later (ZipPay, AfterPay) etc. - - Let's make it super easy to understand how to calculate the Debt-to-Income (DTI) ratio, even for a 5-year-old: - - Count Your Money: Imagine you get $10.00 every week for doing chores. - - Count Your Debt: You spend $2.00 every week on toys. - - Divide and Multiply: - - First, take the money you spend on toys ($2.00). - - Then, divide it by the money you get ($10.00). - -Finally, multiply by 100 to get a percentage. - -So, it looks like this: - -Money you spend on candy = $2.00 - -Money you get = $10.00 - -Divide: $2 ÷ $10 = 0.2 - -Multiply: 0.2 × 100 = 20% - - -Your DTI ratio is 20%! This means you spend 20% of your money on toys. - - Laura Moya Local Mortgage Broker today for guidance! - - #mortgageaustralia #mortgagebrokeraustralia #localmortgagebrokermelbourne #lauramoyalocamortgagebroker #homeloansaustralia

Buying your first home? Laura Moya Local Mortgage Broker provides you tip on some mistakes to avoid: - - • Not using current Government Schemes: Ensure you understand what current government schemes maybe useful to you. Ie. First Home Guarantee Scheme, Stamp Duty Waiver and First Homeowner Grants. - - • Ignoring your credit score: A good score helps you get better mortgage deals. - - • Skipping the pre-approval: Get pre-approved to know your budget. - - • Not setting a budget: Plan how much you can afford each month. Remember that it is a long-term commitment. - - • Forgetting about extra costs: Remember, it's not just the house price. Think about stamp duty, transfer of land, council rates, insurance, and repairs which you may need to pay at settlement. - • Rushing the process: Take your time to find the perfect home for you. - • Not asking for help: I'm here to help you every step of the way! - - Happy house hunting! - - #mortgageaustralia #mortgagebrokeraustralia #localmortgagebrokermelbourne #lauramoyalocamortgagebroker #homeloansaustralia

Monday can be a little bit manicMonday can be a little bit manic - Laura Moya Local Mortgage Broker is always up for a laugh. Hope the rest of the week ahead is a productive one for you. - - #mortgageaustralia #mortgagebrokeraustralia #localmortgagebrokermelbourne #lauramoyalocamortgagebroker #homeloansaustralia - I am always up for a laugh. Hope the rest of the week ahead is a productive one for you. - -

Laura Moya Local Mortgage Broker extensive experience within the Mortgage industry means that the different types of loan applications and scenarios which have crossed the desk have provided a lot of experience and knowledge which is only acquired with time and experience. - - Some loan applications need extensive knowledge of lender policies and attention to detail is a MUST have to increase the chances of loan approval. - - If you have a complex loan application, you need to engage a mortgage broker - check out the 5 star google reviews from previous customers. - - Reach out to see if I can be of assistance. - - https://lnkd.in/giKMindp