It has been a very eventful year in Australia in 2011 for Australian residents, my clients and also for myself personally. Financially Australian residents are very lucky to live Downunder in Australia which is one of the best financial markets in the world. Interest rates have decreased, unemployment is down to 5.7%, Australia is one of the 2 most popular destinations in the world for British, Europeans and Chinese to emigrate to. The mining is keeping Australia very strong and provides more job availability for new Permanent Arrivas and ""Work Visa"" emigrants into Australia.
Australians enjoyed great overseas holidays with a record high Australian dollar against the US dollar.
Australians have record savings in their bank account for the first time in 40 years reflecting on their cautionary recent spending.
A great year for Mary personally in March 2011 when Mary was married in her home city Auckland New Zealand to Martin Bowman after 10 years of life together - see photoes above.
Christmas, Summer, Beaches, BBQs and Holidays start in December to end of January which means Surf, Sand, Sun and Family BBQs - what a great life Downunder!!!!!!.
Mary of Downunder Mortgages would like to wish everyone a Very Merry Christmas and definitely a Prosperous 2012 in every way. Downunder Mortgages looks forward to giving ongoing assistance to you and all customers in 2012. "
Australian Property Finance Expertise
At Downunder Mortgages has Professionals like Mary O’Brien who have a decade worth of experience in providing our valued and loyal customers with the best Australian finance options available.
We have a unique advantage in that we work with over 35 Australian lenders and 12 New Zealand lenders to provide you with the best experience in getting your property finance.
We provide a variety of Australian mortgage and loan options for Australians (First Home Buyers, Investors, Immigrants, Lifestyle, Commercial and Business). We also assist people from all around the world wishing to obtain Australian finance. Our goal is to is to help people realise their wish of owning their own home in Australia, by providing them with the best mortgage option to fit their lifestyle.
Downunder Mortgages will assist you to build your “portfolio” in structuring or obtaining the best possible loans for you. This can greatly assist you now and in the future. To read the latest real estate news in Australia, checkout our newsletter.
Downunder Newsletter
Everything you need to know if you thinking of buying real estate in Australia. Updated each month.
Click here to view the newsletter
Home Loan Calculators And Currency Converters
NEW! - How Much Do You Think You Can Borrow? For a quick approximate assessment fill out the attached Borrowers Assessment Checklist. Please note everything will be treated as confidential.
Are you wanting an Australian mortgage? Usually the first thing people want to know is how much money can I borrow? We have provided a Home Loan Calculator and Currency Converter, and 3 other calculators to help you answer those questions. It is even possible to determine the impact of any extra repayments you might have to make!
Explore Australia
I Want An Australian Mortgage - Where Do I Start?
We guide you through the process of getting an Australian mortgage that suits your needs. We provide you with with a Borrowing Assessment From (1 page) amd a checklist to help you understand the steps you need to take.
We also recommend reading about Australian home loans and our case studies as an example of the wide range of people we have helped in the past.
Our Part in the Process:
- We are able guide you about the the necessary first steps
- We are able to assess you very quickly over the phone of your personal borrowing capacity and will take into account location you wish to purchase.
- We will provide you with an assessment of Mortgage Repayments and Purchase costs (e.g. Stamp Duty, Legal Costs, Bank/Registration Fees)
- We will help you obtain an approval from a reputable bank/lender
- We ensure help for clients in every way with the solicitor, the bank and the real estate agent. All work together as a team to assist towards a settlement of your property.
- After settlement the assistance is ongoing for many years (see testimonials)
- Ongoing assistance for my clients and otaining loans for them to build their property portfolio is a specialty with Downunder Mortgages
- Visit our useful links page for important websites you will find useful.
Newsletter 4
Downunder Mortgages wishes you a very Happy Christmas and a Prosperous 2012. This Newsletter shows the great events, latest news and information in Australia. If you are a looking to purchase an Australian property as a First Home Buyer, as an Owner Occupier, an Investor (Resident or Nonresident), are contemplating shifting to Australia permanently from overseas, wish to purchase Lifestyle, Coastal or Commercial and Business property, then please read the interesting newsletter and website links. Bookmark us and check back often, as we update this quite frequently. Australia is today world renowned for being one or perhaps the best place to live in the world!!!!
Australian Finance Updates
Commonwealth Bank Australia News Items
- CommSec - More jobs, but softer times ahead - 10 Nov - Unemployment fell to 5.2% in October - More jobs
- Reserve Bank of Australia Cuts Interest Rates - 1 Nov 2011 - Melbourne Cup Day Reserve Bank Cut Interest Rate by .25%
- CommSec - First interest rate cut in 31 months - 1 Nov - First Rate Decrease in 31 months
- Herron Todd Valuers Report - October 2011 - The Month in Review - October 2011
- Heron Todd Property Valuers - October Month in Review - Up to date Market Valuations Australia Residential, Rural and Commercial
- CBA - Inflation a 7 Year Low - As of October 2011 inflation 7 year low
- CommSec - Weak building activity vindicates rates decision - 2 Nov - Building Approvals Slumped in October
- National Australia Bank: House prices extend slide - 28 Sept
- CBA “Tame Wages, More People In Bigger Homes” - Wages rose by 0,7% in last quarter. Annual wage growth eased from 3.8% to 3.6% the lowest since September 2010. House size increased average bedrooms per home record high of 3.11
- CBA Average Gender Wage Gap Biggest In 28 Years - Average weekly earnings rose 1.2%. “Male wages outstripped female wages by $13,213. Agerage Wage stands at $68,790. See attached info
- CommSec - Wealth and debt ease; Tight rental market
- RP Data Graphs/Statistics Australia May 2011
- Australian Companies Facts & Fiction CBA 22 Nov 10 - Comparing Australian Companies To The Rest of the World
- Top 10 Money Myths by Anneli Knight The Age 10 Aug 10 - Very interesting reading of the 10 money myths in the world - do you say one of these myths?
The Market Update
- Stamp Duty Will Hurt First Home Buyers from January 2012 in NSW - In NSW 1st January The State Government will make First Home Owners pay Stamp Duty. This has put a rush on the property market until end of 2011.
- Mortgage Arrears Ease 16 November 11
- Auction Clearance Down Despite Rates Cut Nov 11 - Property Price -v- Rates Cut and Average Prices
- Australia’s Most Expensive Suburbs Nov 11 - Read the Most Exclusive and Expensive Suburbs
- First Home Owners Market Nov 11 - With Stamp Duty stopping in NSW Jan and increased First Home Buyers
- Buyer Hold Off Purchasing Nov 11 - Interest Rates Reduce and More People Save than Buy
- Apartments Hold Their Own - Sydney market situation 30 October 2011
- Sydney and Perth Prices to Grow 20% 12 October 2011 The Adviser
- House Prices Down October 2011 - Australia prices down
- Property Prices Extend To Slide October 2011 ex Domain.com - Australia property prices continue to slide
- Herron Todd Valuers Report - June 2011 - The Month in Review - June 2011
Lifestyle In Australia
- “Real Life Sydney - I Have A New Outlook On Life!” by Martin Bowman Australia & New Zealand Magzine UK December 2011 - Martin (Mary O’Brien’s of NZMS husband) who moved Downunder from UK outlines his experiences of great lifestyle, business opportunities, bringing up a family Downunder, home ownership and climatic environment in Sydney Australia compared to UK. He has lived in both Australia (Sydney for 10 years) and New Zealand (Auckland for 15 years) and is originally from UK Midlands. If you or your family/friends have moved or are contemplating moving Downunder then this story by Martin is a “must” to read. Any questions just email to Mary at this website
- Australia Property Sales, Median Prices and Rental Statistics November 2011 from Residex - If you are looking at property all over Australia refer to these great Residex statistics and predictions
- Lonely Planet Best In Travel Top 10 Cities 2012 (London and Darwin). - Again an Australian city is in the top 10 Best In Travel top cities.
- Aussies Abandoning UK Jobs For Aust Jobs Nov 2011 - “Australians are abandoning UK jobs and returning home for work, eager to cash in on the booming Australian economy and escape unfavourable exchange rates”
- Australians Are Getting Richer Nov 2011 - See Statistics on House Ownership, Superannuation and Average Lifestyle.
- Aussie Christmas Holiday Ideas -Christmas holiday lifestyle Downunder ideas
- Pavlova NZ Not Australian - Pavlova for desert is the Traditional Aussie and Kiwi Desert. Now we see that Pavlova is originally from Kiwiland and Not Oz!!! Happy Xmas Dinner with Kiwi Pavlova!!!!!
- Australia Rates Well For World’s Most Liveable Cities - Australia & New Zealand Boast To be World’s Top Liveable Cities
The Costs of Buying A Home In Australia
The First Homebuyer
- Stamp Duty Will Hurt First Home Buyers from January 2012 in NSW - In NSW 1st January The State Government will make First Home Owners pay Stamp Duty. This has put a rush on the property market until end of 2011.
- Generation X and Y Avoid The Suburbs - Aug 10 Domain.com - Generation X & Y are happy staying in units or family apartments - what to look for
- First Home Buyer’s Guide 10 Steps To Home Ownership - Yr Mortgage Aug 09 - All steps to take towards home ownership
- First Home Buyer’s Guide - Loan Structures, Loan Types, Loan Features - Your Mortgage Mag July 10 - First Home Buyer’s Guide - everything you need to know what to do and most of all to contact a Mortgage Broker for a preapproval first
- Cooling Off Period - How to Handle a Hot Market - Yr Investment Property Mag June 09
- The Rules & Regulations of Conveyancing - Yr Investment Prop Mag Jan 10 - Questions and Answers from purchasing to settlement
- A very helpful tips from Property Professor Peter Koulizos to prospective first home buyers
“First Home Owners - What To Look Out For” - 12 March 2010 realestate.com.au
Immigration Information
Understanding Australian Foreign Ownership Laws
Immigrating to Australia?
Then you will need to understand Australian Foreign Ownership Laws
Attached is some very helpful information for overseas investors wishing to purchase property in Australia for
- Immigration
- Investment
- Holiday
- Lifestyle
Before you look to purchase in Australia we recommend you:
- Obtain a preapproval from my company Downunder Mortgages and Southern Cross Professional Investments. Accredited with 35 Australian banks/lenders.
- Check out the Foreign Ownership Laws for Australia (www.firb.gov.au)
- Obtaining an Australian Mortgage Before You Emmigrate To Australia -
Australia New Zealand Magazine UK Aug 2010 - New Curbs On Foreign Home Buyers
- Foreigners Snap Up Aust Homes
Media Releases
Downunder Mortgages is constantly in the news! Because of our long history, we are frequently featured in many Australian and world wide publications. Below are just a few of the most recent articles we have featured in:
Mary O’Brien was also on Sky Business Channel 6.30pm Prime “Your Money On Demand” 1 August 2011 for a 5 minute interview re Australians Investing In New Zealand - small deposit and no stamp duty. Viewers found it great.
- “Real Life Sydney - I Have A New Outlook On Life!” by Martin Bowman Australia & New Zealand Magzine UK December 2011 - Martin (Mary O’Brien’s of NZMS husband) moved from UK firstly to Auckland then Sydney outlines the great lifestyle Downunder in Sydney compared to UK. A “must” to read.
- “Moving To Auckland” by Mary O’Brien - Sep 11 Australia & NZ Magazine UK - September 2011 UK edition is Mary’s writeup in assisting visitors and emmigrants to Auckland on lifestyle, property and Mary obtaining finance for NZ properties. Great reading!!!
- Mary of NZ Mortgage Solutions Sydney Beijing Stopover Writeup in Australia & NZ Magazine UK - February 2011 edition is writeup of Mary and her new husband Martin in their exciting stopover in Beijing in October 2010
- Now Is The Time To Inspect Kiwi Properties Sydney Morning Herald 5 October 2010 by Anneli Knight
- “Hot Property - Getting There - Mortgages New Zealand” - Sep 10 Aust & NZ Magazine UK
- Obtaining an Australian Mortgage Before You Emmigrate To Australia - “Australia New Zealand Magazine UK Aug 2010″
- Your Investment Property Magazine - “Globalise Your Portfolio” - July 2009
- Your Investment Property Magainze - “Ask the Experts” Q&A - Jan 2009
- Your Investment Property Magazine - “Investing in New Zealand - Is the Grass Greener”? - Sept 2007
- Your Mortgage Magazine - “The Kiwi Experience” - July 2007
- Your Mortgage Magazine - “Boom Times For NZ” - July 2006
- Mortgage Professional Magazine - “Taking The Kiwi Lead” - Mary Helping Finance Industry with NZ - May 2006
- Aust Property Investor - “The NZ Connection” - July 05
- Your Mortgage Magazine - “Time To Look Again at New Zealand” - February 2005
- Mortgage Brief - Crossing The Tasman” March 2004 - Personal Writeup on Mary Assisting Australia and New Zealand Finance since 2002
Contact Us
Please Wait ...
You can contact us on 02 9620 5559 or 0404 234517. If you prefer you can use our contact us form. Please give as much detail as possible and we will get back to you as soon as possible.
