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How To Save On Home Insurance Premiums

SHOP AROUND

There are many options available, which in some cases offer different features or benefits. Once you ascertain how much you want to insure your property for, call a few insurers and get a quote.

INCREASE YOUR EXCESS

Most insurances routinely set a level of excess to your policy.  An excess is an amount of money which you will need to pay whenever you lodge a claim against the insurer.  For example, if you are robbed and the estimated amount of stole goods was $5,000 and your policy has an excess of $1,000, you will only receive $4,000 from your insurer.

Increasing your excess will result in a lower premium, as you are taking on more risk off the insurer.  Obviously, you need to understand how a higher access would affect you and consider if you are able to pay the excess amount if needed.

INCREASE YOUR HOME SECURITY

Having a security system, cameras, security doors and other methods of security, generally are viewed positively by insurance companies, resulting in lower premiums.

FIND OUT HOW MUCH YOUR ASSETS ARE REALLY WORTH

Sometimes we can overestimate the value of our possessions overlooking the age of the item, and the overall condition. Use a handy calculator to get an idea of how much the stuff in your house is worth and establish an accurate overall figure for your insurance.

TIP If necessary, obtain advice from an insurance broker on the best way to value your belongings.  Overestimating the value will result in a higher premium but underestimating can make it difficult to replace your assets if a claim occurs.

BEWARE OF RISING RENEWAL PREMIUMS

Insurance renewals can result in your insurer automatically adjusting the value of your insurance automatically.  Ensure you review your policy and if you believe that the increase of your policy is too high, contact your insurer and ask for an adjustment.

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  • First Home Buyers Loan
  • Home Loans
  • Investment Loans
  • Pre-Approvals

Mistakes First Home Buyers Make Brisbane

In this article we consider 10 Mistakes First Home Buyers Make when purchasing their first home. At Brisbane Home Loans, our specialists are experienced at working with First Home Buyers and over the years, have identified mistakes first home buyers make and established a program that assists in avoiding such mistakes.  Take the time to

Facts About The HomeBuilder Grant $25,000

WHAT IS THE HOMEBUILDER GRANT? The HomeBuilder Grant is a time-limited, tax-free grant to help stimulate the residential construction market during the Coronavirus Pandemic. HomeBuilder will provide eligible owner-occupiers (Including First Home Buyers) with a grant of $25,000 to build a new home or substantially renovate an existing home. HomeBuilder will be available for applicants who

Guide to your loan repayments through Covid-19

Circumstances associated with Covid-19 have certainly created confusion as clients are hit with mixed messages with respect to interest rates, the economy, property prices, valuation and more. Unless you have a crystal ball, you will need to make decisions based on the best information available and in consideration of your own personal financial situation.  This

Why Choose Brisbane Home Loans

You're In Good Hands

Brisbane Home Loans is all about good old fashioned personal service without exception.

We Find The Right Deal For You

We take the time to listen to your needs and then search the market for the best products that satisfies your needs at the lowest possible cost to you.

Ongoing Comittment

We continue to work for you after the deal is finished, ensuring that we asess any new offers that become available which may improve your current deal.

One Stop Lending

We give our clients access to Personal Loans, Home Loans, Investment Loans and Commercial Loans.  You always only deal with on person for all your lending services.

How We Work With Our Clients

We can meet clients in our office, in their home, their office or the local coffee shop. Our initial interview will helps us understand the clients needs in the short, medium and long term so that we can find the best possible lender for your loan.

The world of financing continues to be more and more complicated. Our Lenders have experience in finding the right product to meet the specific needs of each of our clients.  During this phase, we identify two to three options that may be suitable.

Our Lending Specialists will present to you a number of options available outlining  the differences, benefits and downfalls of each option presented. Our preferred option and reasons why, we consider this the best fit for you will be clearly explained.

Our Lending Specialists work with our clients to have all documentsation signed, submitted to the lending institution and processed through to approval.

We pride outselves on client service which is why our Lending Specialists establish a reasonable review timeframe where they touch base with our Clients to ensure everything is working as planned.  During this review, the client is made aware of any new financing options in the market.

Brisbane Home Loans is not about one off loans. We truly care about our clients, which is why we stand by their side beyond the completion of the loan.

What Does A Mortgage Broker Do

Listen and Evaluate Your Needs
Calculate How Much You Can Borrow
Compare Options Available to You in The Market
Provide You Expert Advice
Do All The Leg Work
Obtain Pre-Approval For You
Create A Plan For You To Ensure Your Always Getting The Best Deal
Most Importantly We Provide This at No Cost To You

Testimonials

Request a call Back.

Would you like to speak to one of our financial advisers over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.

Immediate Response:

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Content Of blog

  • All
  • First Home Buyers Loan
  • Home Loans
  • Investment Loans
  • Pre-Approvals

Guide to your loan repayments through Covid-19

Circumstances associated with Covid-19 have certainly created confusion as clients are hit with mixed messages with respect to interest rates, the economy, property prices, valuation and more. Unless you have a crystal ball, you will need to make decisions based on the best information available and in consideration of your own personal financial situation.  This

Tips To Buying An Investment Home

10 TIPS TO BUYING AN INVESTMENT HOME If you're thinking about buying an Investment Property, these 10 tips will help you in your journey. BE CLEAR ABOUT THE OBJECTIVE OF YOUR INVESTMENT The first step is to ask yourself this question “Why am I buying an investment property?” Sure, its because you want to improve

RBA suggests existing borrowers gouged by banks offering new mortgage discounts

Interest rates in Australia have reached a historical unprecedented all time low and the benefit of lower interest repayments are flowing through to new borrowers and first home buyers! Is the benefit also flowing through to homeowners with existing mortgages? Assuming that like me, your loan has been in place for a number of years,

Why Choose Brisbane Home Loans

You're In Good Hands

Brisbane Home Loans is all about good old fashioned personal service without exception.

We Find The Right Deal For You

We take the time to listen to your needs and then search the market for the best products that satisfies your needs at the lowest possible cost to you.

Ongoing Comittment

We continue to work for you after the deal is finished, ensuring that we asess any new offers that become available which may improve your current deal.

One Stop Lending

We give our clients access to Personal Loans, Home Loans, Investment Loans and Commercial Loans.  You always only deal with on person for all your lending services.

How We Work With Our Clients

We can meet clients in our office, in their home, their office or the local coffee shop. Our initial interview will helps us understand the clients needs in the short, medium and long term so that we can find the best possible lender for your loan.

The world of financing continues to be more and more complicated. Our Lenders have experience in finding the right product to meet the specific needs of each of our clients.  During this phase, we identify two to three options that may be suitable.

Our Lending Specialists will present to you a number of options available outlining  the differences, benefits and downfalls of each option presented. Our preferred option and reasons why, we consider this the best fit for you will be clearly explained.

Our Lending Specialists work with our clients to have all documentsation signed, submitted to the lending institution and processed through to approval.

We pride outselves on client service which is why our Lending Specialists establish a reasonable review timeframe where they touch base with our Clients to ensure everything is working as planned.  During this review, the client is made aware of any new financing options in the market.

Brisbane Home Loans is not about one off loans. We truly care about our clients, which is why we stand by their side beyond the completion of the loan.

What Does A Mortgage Broker Do

Listen and Evaluate Your Needs
Calculate How Much You Can Borrow
Compare Options Available to You in The Market
Provide You Expert Advice
Do All The Leg Work
Obtain Pre-Approval For You
Create A Plan For You To Ensure Your Always Getting The Best Deal
Most Importantly We Provide This at No Cost To You

Testimonials

Request a call Back.

Would you like to speak to one of our financial advisers over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.

Immediate Response: