Are you looking for a Mortgage or would just like to have a chat with a Mortgage Adviser about your
Harken Finance is a Mortgage Company based in Perth, Western Australia. Our professional and experienced Mortgage Consultants assist homeowners, first home buyers and investors to navigate the maze of mortgage products and home loans available from the large range of lenders in Australia.
Operating as usual
04/01/2023
Purchasing a property with tenants? Here’s what you need to know. 🤔
What you should know about buying a tenanted investment property - Harken Finance Buying a rental property is a popular way to invest. But where do you stand if the property you’re eyeing off already has a tenant? We’ll fill you in on what you need to know.
04/01/2023
🍎 Attention all school teachers 🍎
Before back-to-school craziness kicks in…
Now is the perfect time to have a good look at your home loan. 🔍
Are you about to roll off your fixed rate? Or are you looking for a better deal?
Refinancing may be the way to go. 🧑🏫
To find out more, DM us or contact Harken Finance on:
☎️ – 08 6279 1411
💻 – [email protected]
03/01/2023
“Perth’s median house price rose 2.86 per cent to $540,000 in 2022, up from $525,000 in 2021 - this was despite the eight interest rate rises which have seen east-coast markets go into decline,” REIWA CEO Cath Hart said.
Moderate property price growth expected in 2023 Western Australia’s strong property market conditions are expected to continue, with REIWA’s 2023 outlook estimating Perth house prices will show moderate growth of between 2 and 5 per cent in the next 12 months.
02/01/2023
🎉 What are your 2023 property goals? 🎉
With the market dipping (around many parts of Australia), 2023 could be a good year to buy.
Whether you’re:
🏠 buying your first home,
🏡 looking to upgrade,
🤑 want to pay off your mortgage sooner, or
🏘️ on the hunt for investment opportunities…
We’ve got the finance know-how to help you along your property journey. 👇
To find out more, DM us or contact Harken Finance on:
☎️ – 08 6279 1411
💻 – [email protected]
29/12/2022
As the sun rises on January 1, many Australians will be getting started on their new year’s fitness pacts. 💪 But what about shaping up your finances? 🤓
4 New Year’s resolutions for financial fitness - Harken Finance As the sun rises on January 1, many Australians will be getting started on their new year’s pacts. The gym will be full of determined resolution keepers; the pavement pounded by brand-new sneakers. But what about shaping up your finances?
28/12/2022
🤔 Started thinking about your New Year's resolution yet? 🤔
Remember, it doesn't always have to be just health or fitness related - you can make a financial one too!
Some ideas include …
❌ Ditching unnecessary expenses to become a savvy saver.
💰 Saving up an emergency fund to weather financial storms.
💳 Paying down debt to boost your credit score.
🏠 Reviewing your home loan to unlock potential savings - contact us for a home loan health check.
Here's to a successful, prosperous and enjoyable 2023! 🥳
Happy New Year, from the team at Harken Finance
23/12/2022
🎅🏽 Wishing you a Merry Christmas and a Happy New Year! 🎄
Thank you for your support throughout 2022 - we hope we helped make your mortgage and finances a little easier to stay on top of throughout the year! (and what a year it was) 😅
Here's to 2023 and beyond!
From the team @ Harken Finance
23/12/2022
Having high tea with Christeen and Paula in Canningvale this morning.
22/12/2022
It’s time to dust off that kitsch Christmas t-shirt, deck the halls, and give Bing Crosby a spin. 🎄
Seasons greetings! Here’s to a happy and prosperous 2023 - Harken Finance This year had a few challenges for us all (hello rate rises). So we hope you get to enjoy some well-earned rest, and all the merriment the season has to offer.
21/12/2022
Wishing everyone a wonderful Christmas and New Year, time to catch up with family and friends and celebrate all of our blessings...
21/12/2022
🤔 What exactly is a commercial loan? 🤔
To put it simply, it’s a long-term loan to help you grow your business. But exactly what it can be used for may differ between lenders.
Most commonly, commercial loans are for:
☑ Purchasing or refinancing commercial property.
☑ Buying business-related equipment.
☑ Any costs to assist your business, as agreed upon by the lender.
Let us know what your commercial needs are, and we can match you with suitable lenders and loans.
To find out more, DM us or contact Harken Finance on:
☎ – 08 6279 1411
💻 – [email protected]
19/12/2022
😳 Have interest rate hikes got you on the fence about buying? 😳
We get it. In fact, 1 in 2 borrowers are feeling a bit worried about rate hikes*.
But there are risk-reducing strategies you can follow for financially savvy buying:
🏠 Buy a property that’s under your maximum borrowing capacity
🏠 Consider refinancing during the life of your loan
🏠 Take advantage of money-saving government schemes, and
🏠 Talk to us for a professional edge to find a good loan.
We can help take the stress out of finding a loan that suits your individual needs 🌈
To find out more, DM us or contact Harken Finance on:
☎ – 08 6279 1411
💻 – [email protected]
*realestate.com.au survey
14/12/2022
🏡 1-in-5 first home buyers spend a year or more on the home buying process ⌛️
And a further 56% take between 3 and 12 months on the whole process*. 🤷♀
One way to help speed it up is to have all your finances sorted in advance - in particular, getting us to help you organise home loan pre-approval. 🙌
With pre-approval, it can shorten the time to approval once you've set your eyes on a property you like. 😉
To find out more, DM us or contact Harken Finance on:
☎ – 08 6279 1411
💻 – [email protected]
* Finder survey
12/12/2022
🏡 Wondering whether now is a good time to buy? 🏡
If you’re ready to buy, now could be an ideal time to strike 😎
With other buyers holding back, you could have:
☑️ More homes to choose from.
☑️ Less competition.
☑️ More bargaining power against the vendor.
It’s a sentiment that’s starting to show in polling, with the Westpac-Melbourne Institute Index of Consumer Sentiment lifting by 3.9% between August and September.
Similarly, CommBank’s Household Spending Intentions index showed a 10% increase in home buying intentions this past month.
To find out more, DM us or contact Harken Finance on:
☎️ – 08 6279 1411
💻 – [email protected]
07/12/2022
🚘 Are you looking for a loan to finance some new wheels? 🚘
Well, not all car loans are created equal. And there’s no one loan to suit everyone.
To get the right type of car loan, there are some questions you should ask:
✅ What’s the interest rate?
✅ How long will it take for the application to be approved?
✅ Can you make extra repayments? And will they incur fees?
✅ Can you choose the loan duration?
✅ Are there any hidden costs, like servicing and application fees?
Contact us today and we'll help you get the right loan, so you can get behind the wheel 🚗🏁
To find out more, DM us or contact Harken Finance on:
☎️ – 08 6279 1411
💻 – [email protected]
07/12/2022
We are super excited to share the great news that Harry Bozin is a finalist in The Advisor Better Business Awards Thought Leader of the Year for 2023!
As the winner of this award in 2022, we honour and acknowledge Harry for the level of commitment, dedication and inspiration he brings to the Harken Finance team and the industry as a whole.
Congratulations Harry on this recognition of your contribution.
06/12/2022
The good news? This is it. You can head into the summer holidays knowing this is the last RBA cash rate hike until at least February 🚙 🏖 🎅
Are we there yet? RBA hikes cash rate for eighth straight month to 3.10% - Harken Finance The Reserve Bank of Australia (RBA) has driven the cash rate up by another 25 basis points to 3.10%. Find out how much this final cash rate hike of the year has increased your mortgage repayments in 2022, and what you can expect in 2023.
05/12/2022
🏦 Loyalty is for friends, family and footy teams, not banks 🏦
Mortgage holders are becoming increasingly aware of something called 'the loyalty tax'! 😲
Many lenders reserve their best interest rates to attract new customers. And, well, they can tend to take their existing clients for granted.
But research* shows that refinancers generally gain an average 0.4 percentage point reduction in their home loan interest rate, saving $1524 annually on a $610,000 loan 🤑
So if you haven’t refinanced in a while, drop us a line, and we may be able to help you land a better rate.
To find out more, DM us or contact Harken Finance on:
☎️ – 08 6279 1411
💻 – [email protected]
*PEXA research
01/12/2022
Inheritances can be a bittersweet part of life. But an inheritance alone won’t always cut it when applying for a home loan. 👇
Where there’s a will (and genuine savings), there’s a way - Harken Finance Inheritances can be a bittersweet part of life. But an inheritance alone won’t always cut it when applying for a home loan. Having genuine savings can help show lenders you’ve got what it takes to meet mortgage repayments.
30/11/2022
📈 Offset account usage has grown by 10 percent! 📈
CBA recently reported this increase, along with a rise in offset account balances 💰
According to the bank's research, more than 90% of Australian home owners have recently taken steps to mitigate the impact of rising mortgage rates, including:
- 37% putting money into their offset/redraw account
- 33% looking for cheaper providers for utilities/services
- 38% have been making additional repayments on their home loan to get ahead.
Are you looking for ways to lessen the sting of interest rate rises? 🐝
To find out more, DM us or contact Harken Finance on:
☎️ – 08 6279 1411
💻 – [email protected]
28/11/2022
🤔 Ever thought about buying an investment property? 🤔
Interest rate hikes may have cooled your heels. But there are opportunities to be had.
Here’s why property investment now could suit you:
✅ It’s a buyer's market with lower competition.
✅ Record low vacancy rates can mean there’s a demand for rentals.
✅ You can buy outside your home state to make the most of the market.
✅ There’s usually a lower cost of entry than owner-occupying.
Want some help with your investment property financials? Give us a bell ☎️
To find out more, DM us or contact Harken Finance on:
☎️ – 08 6279 1411
💻 – [email protected]
24/11/2022
What’s more important: your new phone or your next home loan? Well, we were stunned to see a recent survey that showed Australians put more effort into researching phone plans than they did their home loan. 😅
Here’s how we can help 👇
Your new phone or your home loan? What would you research more? - Harken Finance What’s more important: your new phone or your next home loan? Well, we were stunned to see a recent survey that showed Australians put more effort into researching phone plans than they did their home loan. Here’s how we can help you get the balance right.
23/11/2022
⚕️Calling all nurses and midwives!⚕️
Low deposit, no lenders' mortgage insurance (LMI) home loans aren’t just for doctors and dentists.
With just a 10% deposit and annual income of over $90,000 (gross salary), you could secure a home loan with an LMI waiver through a major lender.
Not a nurse or health care professional? You may be eligible to save on LMI too! 😃
Low deposit, no LMI government schemes are available for eligible first-home buyers and single parents.
Without the need to pay LMI and save a large deposit, you could knock years off your home-buying process.
To find out more, DM us or contact Harken Finance on:
☎️ – 08 6279 1411
💻 – [email protected]
21/11/2022
🏠 Here’s how to escape renting and crack the property market 🏠
Nix the skyrocketing rental prices and dwindling rental supply by taking advantage of these government schemes:
⚡Low deposit, no LMI schemes (federal government) - fast-track your home buying process by 4 to 4.5 years on average*.
⚡Stamp duty concessions (state government) - All state governments (except SA) have stamp duty concessions available for eligible first home buyers.
⚡First home buyer grants (state government) - Most state governments (except the ACT) offer first home owner grants to help you achieve homeownership.
To find out more, DM us or contact Harken Finance on:
☎️ – 08 6279 1411
💻 – [email protected]
*NHFIC
Who are we? We're mortgage brokers. We'll help navigate you through the competitive and ever-changing mortgage landscape to find the right loan for you. We'll go into bat and negotiate on your behalf, and we'll make the process as simple as possible for you, geared up to deliver fast results. We'll help you avoid the pitfalls, and we'll find loan features to suit your personal circumstances.
Why use us as a mortgage broker when looking for finance?
A mortgage broker is someone who shops around for the home loan that's right for you. Whether you're in the market for your first home or building a portfolio of investment properties, we have access to hundreds of loans from a host of Australia's leading lenders.
We do the hard work for you.
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