You don’t have to spend a fortune to treat yourself to the care you deserve.

In the Nutrimetics range you will find Skincare, Bodycare and Homecare products, Make Up and Fragrances. Find out more about the Nutrimetics range by visiting their website at www.nutrimetics.com.au/kc or better still call one of the consultants below for a free brochure full of hot offers and start saving today! 

Helena Hubena
Mob: 0413 137 997

Karla Chvala
Mob: 0421 018 791

First home buyers
Only 2 months left in which to claim the increased grant!

You only have until June 30 to take advantage of the Government’s major boost to the First Home Owner Grant.

Although market participants would all prefer it to be extended, there is no indication that the First Home Owner Boost (FHOB) will continue in its present form thereafter. This means you should act now to ensure you can claim the maximum benefit.

Fortunately, as a first home buyer there are a number of other factors that could help make your entry into home ownership that little bit easier. Interest rates are falling and house prices are lower.

First home buyers who sign contracts to purchase a newly built home between 14 October 2008 and 30 June 2009 are now be eligible for a one off payment of $21,000 in terms of the FHOB scheme.

First home buyers who sign contracts to purchase an existing home between 14 October 2008 and 30 June 2009 will be eligible for a one off payment of $14,000.

After a slow start first home buyers are now making a strong impact on the housing market in Australia as they take advantage of the FHOB.

Come in and see us now if you need more information or would like to find out how you can take the first step to owning your own home.

Something new and exciting in leisure and entertainment for the whole family is opening its doors in Malaga in March.

The impressive Perth Ice Arena will have the latest sound system and LASER light shows for its planned disco sessions, which are designed to give local young adults an opportunity to have fun in a healthy environment.

The ice rink will also house the West Coast Ice Hockey clubs and will feature figure skating. Other special sessions will include PlayTime groups for younger children to play with snow on the ice.

During construction of the arena we at 3D Home Loans have been actively discussing sponsorship opportunities with the rink’s owners and we were very excited about their grand opening in early March 2009.

The address of the Perth Ice Arena is 708 Marshall Road, Malaga. More information on the ice rink can be found at: http://www.perthicearena.com/

Our readers certainly have a sense of humour as Eddie discovered recently while on his Christmas break at Coral Bay.

As you may recall from our last issue Eddie was recently stranded at a washed away river crossing while visiting a remote volcano in Vanuatu.

A single shovel was all the recovery gear they could find amongst the six 4WDs in the group!

Given our readers’ sense of humour, Eddie shouldn’t have been too surprised when on returning to town after swimming with turtles and manta rays in Coral Bay, he found more than one mobile message enquiring whether this time he was ’stuck up the creek without a shovel’.

What you should do to get the maximum benefit from falling interest rates.

It only takes a look at what has happened to interest rates in the past few months to get a clear indication of why we are being approached for loans by more and more first homeowners and upgraders.

Of course falling property prices and the First Home Owner Grant are also playing a role but consider what has happened with interest rates. In February the Reserve Bank of Australia reduced the cash rate to 3.25%. As a result variable rates dropped to about 5%.

The net effect? Those with a loan of $350,000 are now paying about $1000/month less then they were before the cycle of interest rate cuts started some six months ago.

That is quite a dramatic effect, isn’t it? If you are planning to buy, this turnaround makes home ownership a lot more affordable.

On the other hand, if you already have a variable loan you should be putting as much additional disposable money as possible into paying off your variable loan. This is a highly effective way of dramatically reducing the term of your loan.

If you are not happy with your current loan arrangements or would like to find out if right now there is something better out there for you, give us a call.

In my view
Market shows signs of movement

Eddie Jaworski
Director/Finance Broker
0419 916 991
eddie@3dhomeloans.com.au

Welcome to this the first issue of our newsletter for 2009.

In the past few weeks you may have noticed that real estate signs in your area are increasingly displaying SOLD and UNDER OFFER stickers.
According to reports, attendances at home opens are up and in first home buyer areas there is a noticeable increase in activity.
According to the Australian Bureau of Statistics first home buyers took up some 25.4% of the home loans issued in Australia in December 2008 – the highest since 2001!

It’s, however, not just first home buyers who were responsible for most of the demand.
What is clearly indicated is that people are beginning to realise that things are not as bad as portrayed in the press. Employment is still high, house prices are down to affordable levels and interest rates have dropped dramatically. As a result they have taken a conscious decision to just get on with it.
Certainly, the dramatic interest rate fall over the past six months has generated excitement among buyers, as has the decline in house prices. But that doesn’t mean you should sign up to a loan package without understanding all the implications.
Now more than ever you need the advice of a specialist finance broker who can tell you which loan is best for you, taking into account not just the interest rate but also the many other critical factors that can make the difference between a ‘good’ and ‘bad’ loan.

So, come in for an obligation free consultation before you sign on any dotted line.