Hema Gupta Loan Market

Welcome to Hema Gupta Loan Market, located at Craigieburn, Craigieburn Road, 340. We are an establishment in the finance industry and a point of interest for all your loan needs. Unlike banks that prioritize their bottom line, our priority is you. With over 60 banks and lenders on our panel, we offer you choice and power when it comes to finding the right loan for your specific needs.

In the ever-changing landscape of interest rates, it's important to stay informed. With the uncertainty surrounding the future of interest rates, whether they will continue to increase or have reached their peak, you may be wondering if pre-approvals are still worthwhile. We delve into this topic and provide valuable insights.

The federal government's Home Guarantee Scheme (HGS) has been instrumental in helping 100,000 individuals purchase or build their own homes since its launch in 2020. This program has made homeownership more accessible and achievable for many Australians.

Days on market, a crucial property indicator, is expected to decrease. This indicator reflects the average time it takes for properties to sell and has been fluctuating in response to the ups and downs of the housing market. Our leading property economist provides valuable analysis on this trend.

As interest rates increase in line with the cash rate hikes over the past year, some mortgage holders find it challenging to refinance their home loans. However, certain lenders are reducing serviceability buffers to assist refinancers. We explore this potential solution.

For first-home buyers, this is an opportune time to enter the market. One of Australia's leading property economists explains why and provides valuable insights for those looking to take advantage of the current conditions.

Refinancing cashback deals may soon become a thing of the past, as major banks and smaller lenders, including Commonwealth Bank, NAB, and Bankwest, plan to phase out this incentive. Stay informed about these changes.

There are several factors that lenders consider when determining your interest rate. If these factors have changed since you initially took out your home loan, it's possible that you could secure a more competitive interest rate. We provide you with five reasons why this may be the case.

Our leading property economist presents a compelling argument for significant growth in prices for established homes. Stay informed about the latest trends and projections in the property market.

Beware of sophisticated bank impersonation scams that have claimed the life savings of numerous individuals. The Australian consumer watchdog has issued a warning about these scams and provides valuable tips to protect yourself.

The recently announced 2023/24 Federal Budget contains key points that may impact you starting from 1 July. We highlight these points to keep you informed.

While the changing cash rate has affected many homeowners, it's important to understand its impact on other loans, such as car loans. We discuss how these changes may or may not affect you.

With low vacancy rates and strong rent growth, the market is in need of more property investors to increase rental supply and alleviate demand. Explore the potential opportunities in the property investment market.

The Australian banking system has been praised for its strength and stability. Despite recent challenges, the likelihood of an Australian bank collapsing is low. We provide insights into the potential outcomes if such an event were to occur.

The connection between the cash rate and interest rates for home loans is a topic of interest. We explore this relationship and shed light on how changes in the cash rate can affect your mortgage.

New data from the Australian Bureau of Statistics (ABS) reveals a significant number of borrowers refinancing their home loans across the country. Stay informed about this trend and the potential benefits of refinancing.

While Australian property prices continue to decline, the rate of decline appears to be slowing. Our analysis of the latest CoreLogic figures provides valuable insights into the property market.

With interest rates on the rise, many homeowners are exploring debt consolidation as a way to save costs. We discuss the potential benefits and considerations of debt consolidation.

2022 was a remarkable year for property investors, with consecutive quarters of rent increases. We provide an overview of the historic trends in the property market.

Understanding the relationship between inflation, economic growth, and interest rates is crucial. One of Australia's leading economists forecasts a plateau in interest rates in the first half of the year. Stay informed about these economic indicators.

In February, the cash rate increased, but there is good news for buyers. We provide updates on the latest developments and potential opportunities in the market.

Please note that there may be occasions where you may be charged a fee by your broker. Terms, conditions, and normal lending criteria apply. Contact us today to learn more about how we can assist you with your loan needs.