Sam Bhardwaj @ Loan Market

Welcome to Sam Bhardwaj @ Loan Market, located at 9 Pasadena Circuit, Point Cook, Australia. We are an establishment that specializes in finance and insurance services, and we are dedicated to working for you, not for the banks. With over 60 banks and lenders on our panel, we offer you a wide range of choices and the power to make informed decisions.

At Sam Bhardwaj @ Loan Market, we understand the importance of finding the right loan for you. That's why we conduct thorough market research to ensure that we can provide you with the loan that best suits your needs and financial situation.

In today's changing-rate environment, with the uncertainty surrounding the future of interest rates, you may be wondering if pre-approvals are still worthwhile. We discuss this topic and provide valuable insights to help you make an informed decision.

We are proud to share that the federal government's Home Guarantee Scheme (HGS) has already assisted 100,000 individuals in purchasing or building their own homes since its launch in 2020. This scheme has been instrumental in helping Australians achieve their dream of homeownership.

As leading property economists predict a decrease in days on the market, it is an exciting time for those interested in the housing market. The average time it takes for properties to sell reflects the ups and downs of the market, and this indicator is poised to fall.

In July, as interest rates increase, refinancing has become more challenging for some mortgage holders. However, certain lenders are reducing serviceability buffers to help homeowners refinance their loans. We provide insights into this development and how it can benefit you.

First-home buyers are currently in a favorable position, according to Australia's leading property economists. We offer expert advice and guidance to help first-time buyers navigate the market and secure their dream home.

Refinancing cashback deals may soon become a thing of the past, as major banks and lenders plan to phase out this incentive. We keep you updated on the latest industry developments and how they may impact your financial decisions.

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, you may be eligible for a more competitive interest rate. We outline these factors and explain how you can potentially lower your interest rate.

A leading property economist presents a compelling argument for significant growth in prices for established homes. We provide valuable insights into this trend and its potential impact on the housing market.

We also prioritize your financial security. The Australian consumer watchdog has issued warnings about sophisticated bank impersonation scams that have unfortunately led to the loss of people's life savings. We provide tips and advice to help you protect yourself from these scams.

We understand that the recent Federal Budget may have implications for your financial situation. We highlight the key points from the Budget that may affect you from 1 July and provide guidance on how to navigate these changes.

While the changing cash rate has impacted many homeowners, we explore whether it has affected other loan types, such as car loans. The answer depends on various factors, and we provide insights to help you understand the potential impact on your specific loan.

With low vacancy rates and strong rent growth, the market is in need of more property investors to increase rental supply and alleviate demand. We provide information and guidance for those interested in investing in the property market.

The strength and stability of the Australian banking system have been lauded, especially during challenging times. We address concerns about the likelihood of an Australian bank collapsing and explain the potential consequences if such an event were to occur.

The connection between the cash rate and interest rates for home loans is a topic of interest for many. We provide insights into this relationship and how changes in the cash rate can impact your mortgage.

New data from the Australian Bureau of Statistics (ABS) reveals that a significant number of borrowers across the country are refinancing their home loans. We analyze this trend and provide information to help you make informed decisions about refinancing.

While Australian property prices continue to decline, there are indications that the downturn is slowing down. We provide the latest figures from CoreLogic and insights from leading property economists to keep you informed about the market trends.

As interest rates have increased over the past months, many homeowners have explored debt consolidation as a way to save costs. We discuss the potential benefits of debt consolidation and how it can help you manage your finances more effectively.

For property investors, 2022 was an exceptional year, with record-breaking rent increases. We provide valuable information and advice for those interested in investing in the property market.

One of Australia's leading economists predicts that interest rates will start to plateau in the first half of the year, with inflation and economic growth playing a significant role. We explore these factors and their impact on interest rates.

At Sam Bhardwaj @ Loan Market, we are committed to providing you with personalized financial solutions and expert advice. Please note that there may be occasions where a fee is charged by your broker, and normal lending criteria apply. Contact us today to discuss your financial goals and discover how we can assist you in achieving them.