Laura Moya | Local Mortgage Broker | Melbourne

Growing family and running out of car space?
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Maybe it's time for a bigger vehicle to fit everyone comfortably (and all the gear that comes with them!). By accessing asset finance, could you get the family car you need without the hassle?
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Reach out today to www.lauramoya.com.au/contact
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#personalloans #carloans #assetfinance

7 months ago | [YT] | 0

Laura Moya | Local Mortgage Broker | Melbourne

Rents hit record highs, but pace of growth slowing
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The latest ‪@domaincomau‬ data has painted a mixed picture of the rental market.
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On the one hand, house rents (see graph) and unit rents ended the March quarter at record levels in every capital city. On the other hand, the pace of rental growth has slowed to a four-year low.
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“Despite a softening of growth, the data suggests Australia is still very much a landlord’s market,” said Domain’s chief of research and economics, Nicola Powell.
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“Most cities experienced 5% or less annual change, a sharp drop from the double-digit gains seen in recent years. Increasing supply is slowing price growth, and while it’s still not enough to fully meet demand – we can see that it’s helping to rebalance some of the tightest rental markets.
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“The affordability ceiling is also becoming increasingly apparent, with unit rents outpacing house rents in Sydney, Melbourne, Brisbane, Canberra and Hobart this quarter.”
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Besides affordability pressures, the slowdown in rental growth is being driven by an increase in the number of investors in the market (leading to an increase in the supply of rental properties) and a reduction in population growth (leading to a decrease in demand for those properties).
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#property #realestate #homeloans

7 months ago | [YT] | 1

Laura Moya | Local Mortgage Broker | Melbourne

Got your pre-approval? Here’s what’s next! ✅
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Read below ⬇️⬇️⬇️

7 months ago | [YT] | 0

Laura Moya | Local Mortgage Broker | Melbourne

Today, Laura Moya Local Mortgage Broker pauses to remember the courage and sacrifice of those who served.
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ANZAC Day is a powerful reminder of resilience, unity, and community—values we hold close here in Melbourne and in everything we do.
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Lest we forget.
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#anzacday2025

8 months ago | [YT] | 0

Laura Moya | Local Mortgage Broker | Melbourne

Easter Long Weekend Closure.
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Hi everyone! Just a quick heads-up that I’ll be taking a break over the Easter long weekend – from Friday 18 April to Monday 21 April 2025.
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I’ll be back on deck Tuesday 22 April, ready to help with all your home loan and refinancing needs!
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Wishing you a happy, safe, and chocolate-filled Easter!
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Kind regards Laura Moya Local Mortgage Broker

8 months ago | [YT] | 1

Laura Moya | Local Mortgage Broker | Melbourne

Need help finding the perfect mortgage? Let a mortgage broker be your guiding light! Here's why -
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💡 Expertise and market knowledge.
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A mortgage broker comes armed with expertise and deep market know how. They keep their finger on the pulse of the latest offerings from various lenders, tailoring a loan to match your financial dreams.
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💰 Access to multiple lenders.
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Unlike banks, brokers have a vast lender network – think major banks, credit unions, and unconventional lenders. More options mean a better chance of finding that golden loan with favorable terms and rates.
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⏱️ Time and convenience
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They do the legwork, comparing options and presenting the cream of the crop. Bye-bye confusion, hello streamlined solutions!
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In a nutshell, a mortgage broker spells out expertise, unleashes a lender buffet, and serves up a hefty dose of convenience.
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It's your key to a well-informed decision that aligns with your financial goals.
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To learn more, get in touch today.
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lauramoya.com.au/contact/
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*Individual circumstances vary so it’s important to seek tailored advice from a professional.
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#mortgageaustralia
#mortgagebrokeraustralia
#localmortgagebrokermelbourne
#lauramoyalocamortgagebroker
#homeloansaustralia

8 months ago | [YT] | 0

Laura Moya | Local Mortgage Broker | Melbourne

📢 Thinking of Buying Your First Home? Check Out These Expert Tips! 🏡
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Buying your first home is exciting, but where do you start? Here are 3 key tips to help you navigate the process:
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✅ Know Your Budget – Get pre-approved so you don’t waste time looking outside your price range.
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✅ Understand Upfront Costs – Stamp duty, deposit, legal fees—factor these into your budget.
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✅ Research Home Loan Options – Fixed or variable? First Home Buyer grants? Know what’s available!
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💡 Expert Tip: Don’t just go with your everyday bank—there are many lenders out there with more suitable options for first-home buyers!

Want personalised advice? Let’s chat and find a suitable mortgage solution for you.
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Let’s talk about your mortgage goals today!
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www.lauramoya.com.au/contact

8 months ago | [YT] | 0

Laura Moya | Local Mortgage Broker | Melbourne

Thinking about buying your first home but feeling overwhelmed?
Save this post! Here’s an easy, step-by-step guide to help you understand what’s really involved.
Buying a house doesn’t have to be confusing — it just takes the right strategy. ⬇️⬇️⬇️

Need personalised advice? Book a free chat with me here: lauramoya.com.au/contact/

#FirstHomeBuyer #MortgageTips #HomeLoanHelp #LauraMoya #HomeOwnership

8 months ago | [YT] | 0

Laura Moya | Local Mortgage Broker | Melbourne

Why renter incomes are growing faster than owner incomes.

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Surprisingly, household incomes over the past two decades have grown faster for renters than property owners, according to a PropTrack analysis of Australian Bureau of Statistics data. Today, a typical renter household now earns around 58% of what a mortgaged household does, compared to 52% in 1995.

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However, PropTrack senior economist Angus Moore said this surprise statistic is unlikely to be the result of renters receiving bigger pay rises than owners.

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“Instead, what is going on here is that the composition of who rents has changed over the past two decades: it is not necessarily that renter households have seen faster income growth on average, it’s that higher-income households are now more likely to be renters,” he said.

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“Among higher-income households – say the top 40% of households – the share who rent has been trending up over the past two decades. This has been happening everywhere; it is not unique to particular cities or regions.”

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Compared to two decades ago, fewer younger people are getting onto the property ladder. As these renting-for-longer workers have gotten older, their incomes have risen; and as that has happened, the average income level of all renters has also increased.

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#property #realestate #homeloans
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lauramoya.com.au/contact/

8 months ago | [YT] | 0

Laura Moya | Local Mortgage Broker | Melbourne

🛑 Your Credit File: Why You NEED to Keep an Eye on It! 🛑
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Did you know your credit file plays a HUGE role in whether you get approved for a home loan, car loan, or even a credit card? 🤯
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Many Australians don’t check their credit report until they apply for a loan—only to find errors, unexpected debts, or even fraud affecting their score.
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Here’s why you should monitor your credit file regularly:
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✅ Spot errors early – Incorrect listings could lower your score.
✅ Prevent identity fraud – Be alerted if someone tries to apply for credit in your name.
✅ Understand your credit score – Know where you stand before applying for a loan.
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💡 How to stay on top of it? Equifax Alert Subscription sends real-time notifications about changes to your credit file, so you’re always in control.
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👉 Don’t wait until it’s too late! Check your credit file today & protect your financial future.
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Need help understanding your credit report? reach out to Laura Moya Local Mortgage Broker based in Yarra Valley - Melbourne for a free chat!
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#CreditScore #HomeLoanTips #MortgageBroker #FinanceTips #Equifax #CreditReport #MortgageApproval #FinancialWellness
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www.lauramoya.com.au/contact

9 months ago | [YT] | 0