Cobblestone Financial

💡 Top Tip Tuesday 💡

🤔 What actually affects your credit score?

A lot of people think credit scores are only impacted by missed repayments… but there’s actually much more to it 👇

Your credit score can be affected by:

✔️ Paying bills or loans late
✔️ Applying for multiple loans or credit cards
✔️ Buy Now Pay Later accounts
✔️ Increasing credit card limits
✔️ Defaults or unpaid debts
✔️Having no loans at all

Even things that seem small — like applying for finance too often — can make lenders nervous 👀

🏡 Why does this matter?

Your credit score can influence:
📉 How much you can borrow
🏦 Which lenders may approve you
📊What your interest rate and risk fees will be
💰 The loan options available to you

The good news?
Many credit score issues can improve over time with the right strategy and guidance.

📞 If you’re unsure where you stand, let’s have a conversation and help you understand your options. https://www.cobblestonefinancial.com.au/book-appointments/

🏡 Did you know? Help to buy is open to anyone trying to get into the market.
Whether you’re a first home buyer or looking to get back into the property market, the Government’s Help to Buy Scheme could help make home ownership more achievable.
Here’s how it works 👇
✅ You will need to:
✔️ Save a minimum 2% deposit
✔️ Obtain a home loan through a participating lender
🇦🇺 The Australian Government may contribute:
🏠 Up to 30% for an existing home
🏗️ Up to 40% for a newly built home
💡 What does this actually mean?
The scheme can help:
✔️ Bridge the gap between what you can borrow and the property price
✔️ Reduce the amount you need to save upfront
✔️ Help you enter the market sooner
🏡 With Help to Buy, you own the home — however, the Government shares a portion of the property’s value based on their contribution.
That means when you sell the property (or buy out the Government’s share), any gains or losses are shared proportionally.
📞 Talk to us today to see if you are eligible - https://www.cobblestonefinancial.com.au/book-appointments/
https://www.cobblestonefinancial.com.au/contact/

💡 Don’t refinance for a better rate. Refinance to a lender that ALWAYS has great rates. I can count on 1 hand who these lenders are.

What many borrowers don’t realise is this:
🏦 Some lenders offer great rates upfront… then quietly increase them later.

So while the refinance may look good today, 12–24 months down the track you could find yourself paying more again.
That’s why refinancing shouldn’t just be about chasing the lowest rate in the moment — it should be about choosing the right lender long-term.

We look beyond the headline rates.
We pay attention to:
✔️ Which lenders consistently stay competitive
✔️ Which banks regularly offer pricing discounts
✔️ Which lenders tend to increase rates after settlement
✔️ Which options actually suit your goals long-term

A good refinance strategy isn’t about a short-term win… it’s about keeping your loan competitive over time 📉

📞 If you haven’t reviewed your home loan in a while, let’s see whether your current lender is still working in your favour. https://www.cobblestonefinancial.com.au/book-appointments/

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