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Con Orfanos Home Loans

Finance Options - Customised Home Loans



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Have your say

Posted on October 17, 2015 at 2:05 AM Comments comments (854)

Happy to answer any questions re loans, rates, fixed versus variable. 

Come on ask away

Your Topics of Interest

Posted on March 6, 2014 at 1:10 AM Comments comments (1040)

Hello again. I am looking at having a specific topic each month to give information on.  It makes sense to have topics that readers are interested in, for generally a better understanding, or for more information.  For example this month's topic may be on "SELF MANAGED SUPER FUND" lending, and could give you all an overview of do's and don'ts of superfund lending.  Another could be "HOW TO PAY MY HOME LOAN OFF SOONER", or "HOW DO I BUY MY FIRST HOME" or even "WHAT DO I NEED TO BUY AN INVESTMENT PROPERTY".  I will aim to give a simple, and easy to understand approach to the topic information that I provide.

I encourage you all to give me topics to work with. My aim will be to increase your knowledge in the topics that interest you. Obviously the more requests for the same topic means the more chance that topic will move up the list of priority topics.

I am trying to make this blog page something that you all feel comfortable in using to gain information, and also be comfortable in adding your comments.  Any comments any questions are welcome.   If the question is important to you, the answer is just as important to us.

Best Regards,

Con Orfanos.

2014 - Year of Consolidation

Posted on February 20, 2014 at 9:50 PM Comments comments (1149)

Hello and Happy New Year to all of you.  With 2014 well and truly under way I thought it was an opportune time to give my views on the South Australian opportunities in I see for 2014.  Rather than a full on story I will bullet point my views.

  1. The property market has shown some property value increases, being it very small and for houses more than units.
  2. It is still a buyers market, so hang on to those properties and only sell if it is a necessity.   
  3. 2014 will still see opportunities to buy at great negotiated prices.  Our house prices are still well below the other states which tells me in South Australia the opportunity for growth is greater looking at the next 10 years.  For first time investors its a good time to buy your first investment property or upgrade your current home, and keep your current home as an investment.
  4. Interest rates look like staying low, at least until the end of 2014.  The Reserve Bank has indicated the cash rate is expected to remain unchanged for the majority of 2014.  With some fantastic fixed and variable rate loans available, and lenders wanting your business make sure your home/investment home loans are working for you.   
  5. If you have spare cash or equity in property find out in 2014 how to use it effectively.  If you don't know what you've got, or what you can do with the property you currently have, ASK.  Send us a contact email with your enquiry and we will lead you in the right direction.
  6. Make sure in 2014 you understand your finances.  You need to understand how your home loan works, what flexibility it gives you, which debts are bad debts and how to get rid of them.  It is never too late to get your finances back on track.  

From a COHL point of view, 2014 has taken off where the second half of 2013 left off.  We have seen a very positive outlook, with many development loans, a growth in purchases, confidence in investing in rental property, a move to re-structure loans to maximise investment loan effectiveness, and  a restructuring of owner occupied loans for maximum principal reduction.  

Please feel free to contact us or just add to this blog with your views and information.  

Best Regards,

Con Orfanos Principal (Dip FMBM)



Happy Festive Season

Posted on December 24, 2013 at 4:55 PM Comments comments (421)

Wishing you all a very Merry Christmas and a Happy, Safe and Prosperous New Year.  We take this time to enjoy a break, and catch up with family and friends and reflect on 2013. 

At COHL we all have a positive outlook for 2014.  Exciting times for first home buyers, opportunities for investment, and great times for development.    

The team is looking forward to working with you in 2014 to meet your needs, and exceed your expectations.

Once again Best Wishes for the Festive Season.


RBA October 2013 decision

Posted on October 1, 2013 at 12:35 AM Comments comments (345)

Hi again to all of you. Rates today remain on hold as the RBA decides to keep the cash rate at 2.50%.  It is very probable for us to see another drop in the cash rate this year, and to as low as 2.00%. Fixed rates are at a their lowest, and we do currently have a lender offering their 3 year fixed rate at 4.79%.  With variable rates on offer at under 5.00% it is a great time to look at all your home loan options.  

Want some free loan advise?  Call us, email us, blog us or facebook us.  We are here to give you Customised Options for Healthy Lending.  We pride ourselves on being able to find the best fit loan for your current and future needs.


Housing Grants

Posted on September 17, 2013 at 8:55 AM Comments comments (441)

Are you considering constructing a house to live in or as an investment rental?

Revenue SA extended the Housing Construction Grant, but the deadline to enter into a contract to build is the 31st December 2013. If the total market value is up to $400,000 you could receive the full $8,500 grant. This is available to anyone and of course if you are a First Home Owner, you may also be eligible for the First Home Owners Grant on top of the Housing Construction Grant. Contact us for a more personalized discussion, or drop us a Blog for more general information regarding the Housing Grants. We welcome your questions.

RBA September 2013 decision

Posted on September 7, 2013 at 6:00 AM Comments comments (277)

Hi all, rates remain on hold as the RBA decides not to make any changes to the cash rate. Still very possible for another drop on the cash rate this year. Meanwhile fixed rates are at amazingly low rates and a 2 year fixed rate at 4.79%/4.89% is worth considering. Remember you don't need to fix all your loan, with split options another choice.