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It’s Time For A financial Health Check-Up!

It's time for a financial health check-up! Start with these 5 things.

If you find yourself with no saving, no job, a credit card debt and no idea where your money has gone, it’s time for a financial health check-up. Good financial planning is more important than ever, especially with so much uncertainty now.

The COVID-19 pandemic has certainly disrupted everyone’s lives. With the lock-down, many people’s job has been affected and as well as the entire economy.

Whether or not your income has been affected, it’s time for a Financial Health Check-Up to set yourself up for a greater year.

Look into your finances

Check everything, bills, credit cards, home loans, after-pay accounts, subscriptions, bank accounts. Write down all your ‘assets’ and liabilities’, and then you will know exactly about your current financial position.

Do you have how much money you have coming in every month? If the answer is no, you need to find out your exact income – active and passive in total.

Expense is more important than income, if you don’t track your spending, no matter how much you earn, you will find it struggle in the long term. There’re plenty of handy apps that can help you to understand where your money goes.

Now you have a clear picture of what your finance truly looks like.

Budget your finances like a business

You should set goals and create a budget, splitting up your goals into short-term and long-term. Another secret tip is that start treating your own finances like a business, which means profitable is the main goal, by means of taking inventory of your income and expenses, and then take a closer look at spending by category.

Start an emergency fund

The COVID-19 Pandemic makes us understand the importance of an emergency fund. Having extra savings for emergency use can definitely keep you out of financial panic and help you reduce your stress. Furthermore, if you cultivate the habit of saving money and make it a non-negotiable monthly expense, just like your loan repayments, soon you will have more than enough.

Pay off your debts

If you are a property owner and have a credit card debt or personal loan, do you know that a debt consolidation home loan allows you to pay out your debts under your mortgage? Instead of paying off multiple debts, you pay off all your debts with one home loan repayment at a lower interest rate. Keep in mind that as a licensed mortgage broker and financial solution provider, we can really help!

Cancel your credit cards

With credit cards abundantly available, getting what you want right away is a common practice. Also, having credit cards become a fashion trend especially among young people. However, a credit card can really be a big obstacle to improving your finances. As the major downsides of using credit cards are potential credit card debts that you cannot afford, potential damage to your credit score and ultimately bankruptcy.

Disclaimer:

The information presented by staff or employees of Credit Hub and its associated companies is provided for general informational purposes only. We do not guarantee the accuracy, completeness, or timeliness of the data or views presented. Audience members should conduct their own research and verify any information before relying on it. Credit Hub and its associated companies are not liable for any errors or omissions, or for any actions taken based on the information presented.

Mortgage Broker in Point Cook

Credit Hub Australia
About the role

Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.

In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.

“Position is for Mortgage broker on commission/contract basis.”

What you'll be doing
  • You will develop and expand network with our help.
  • Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.

  • You will act on leads and existing database as provided and generate sales and ongoing relations.

  • Actively participate in team meetings and contribute to the overall success of the business

What we're looking for
  • You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.

  • In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.

  • Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.

  • A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.

  • Self-motivated and capable of working independently, while also thriving in a collaborative team environment.

  • Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.

  • Ability to manage multiple tasks, stay organized, and work reliably without supervision.

  • A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.

What we offer

At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:

  • Competitive remuneration and performance-based bonuses
  • Ongoing training and professional development opportunities
  • Flexible work arrangements and a positive work-life balance
About us

Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group. 

If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.

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