Mark from Rapsam Home Loans

🔥 Affordable reno ideas to help keep your home cosy 🔥⁣
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Below are 3 simple ideas that could help keep your home snug and reduce winter power bills. ⛄️⁣
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🚪 Keep the cold out: up to 25% of winter heat loss can come from draughts. Fix gaps that are letting cold air in with door drafts and caulking.⁣
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⚡️ Rethink home heating: reverse cycle air-conditioners are the most energy-efficient heater (and cooler), according to the federal government.⁣
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🏠 Insulate: one-third of a home's warmth can be lost through the roof. Insulating your roof cavity can save you on heating and cooling over the long term. ⁣
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If you're planning a reno ahead of this winter but don't have a way to fund it, get in touch today and we'll help you explore your options. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

🏘️ Could rentvesting be a good fit for you? 🏘️⁣
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Did you know around one in twelve (8%) Australians are rentvesters, according to CoreLogic.⁣
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That's people who own an investment property while renting another place to live in.⁣
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Rentvesting can let you buy in a more affordable suburb. 🏡⁣
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You can then earn rental income plus possible tax savings from negative gearing.⁣
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And you can use the equity in your investment property to buy a home later on.⁣
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The key is to be sure you can manage the cashflow of renting – and owning a rental.⁣
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We can help you crunch the numbers to see if rentvesting might work for you. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

🏡 Heard of the First Home Super Saver scheme? 🏡⁣
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The FHSS scheme lets you grow a deposit through voluntary contributions to super.⁣
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The contributions and returns are taxed less compared to most income tax brackets.⁣
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That means more money could go towards building a house deposit. 🏠⁣
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The most you can withdraw is $50,000 (plus earnings).⁣
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But a couple pooling their savings could potentially access $100,000 (plus earnings) to buy a home.⁣
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The scheme may not provide all your deposit needs, but it’s another option to consider that could help you save faster.⁣
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Talk to us today to find out more. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

🏡 Could an offset account help you save on interest? 🏡⁣
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More than half of Australians with a mortgage are now using an offset account to help them save on interest on their home loan, according to Mozo.⁣
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As the balance of an offset account is deducted from your home loan when monthly interest charges are calculated, every dollar can help you save.⁣
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Better still, loan interest is usually calculated daily. 🙌⁣
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This means you can use your offset account just like a regular transaction account - and most lenders even let you attach a debit card to it.⁣
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If you'd like to find out more about offset accounts and whether you can attach one to your home loan, get in touch today. 👇⁣
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To find out more, DM us or contact Rapsam Home Loans on:

☎️ – 0422 950 726
💻 – [email protected]

Australians will head to the polls on May 3, and with housing affordability shaping up as a key election issue, we unpack how the two major parties are pledging to help first home buyers. 🏡⁣

Election 2025: what’s on offer for first home buyers? - RAPSAM Home Loans Australians will head to the polls on May 3, and with housing affordability shaping up as a key election issue, we unpack how the two major parties are pledging to help first home buyers.