Tom Uhlich

Mortgage Broker Brisbane ◾️ Director

Boss Money Mortgage Broking

Summary

Home Loan Brisbane ◽️ Mortgage Broker ◾️ Home Loans ◽️ Investment loans ◾️ Refinance ◽️ Mortgage Broker ◾️homeloan ◽️ Home Loan Sydney ◾️ Sydney ◽️ Home Loan Melbourne ◾️Melbourne ◽️ Mortgage Broker Brisbane ◾️ Mortgage Broker Sydney ◽️ Mortgage Broker Melbourne

Boss Money Mortgage Brokers create financial solutions for the Australia public. We help you find the right home loan, from a panel of 40+ lenders that suits you, not the bank. We specialise in refinances, self employed, first home owners, upgrades, pretty much anyone.

We are Brisbane based but also service clients in Sydney & Melbourne in the following areas:

✔️ Home Loan, Investment Loan, Residential Home Loans
✔️ Mortgage Broker & Home loan services
✔️ Commercial loans, small business loans
✔️ Development finance
✔️ Car leases, Car Loans
✔️Personal loans
✔️Insurance - Life Insurance & Income Protection Insurance
✔️ SMSF loans

Not only do we find the best loan, we also find the best way to structure your loans by working closely with our accountant and financial planner network.

I own 100% of Boss Money so I need to make sure we find you the best home loan, for you, your business and your family. 

We are Brisbane based but service clients in Sydney and Melbourne. 

Call now 0476 111 000
Email tom@bossmoney.com.au
web www.bossmoney.com.au

CEO & Mortgage Broker

Aussie

Summary

Home Loan Brisbane ◽️ Mortgage Broker ◾️ Home Loans ◽️ Investment loans ◾️ Refinance ◽️ Mortgage Brokers ◾️homeloan ◽️ Mortgage Broker Brisbane

At Aussie  create financial solutions for the Australia public. We help you find the right home loan, from a panel of 19 lenders that suits you, not the bank. We specilise in refinances, self employed, first home owners, upgrades, pretty much anyone.

We are Brisbane based in the following areas:

✔️ Home Loan, Investment Loan, Residential Home Loans
✔️Mortgage Broker & Home loan services
✔️Commercial loans, small business loans
✔️ Development finance
✔️ Car leases, Car Loans
✔️Personal loans
✔️Insurance - Life Insurance & Income Protection Insurance
✔️ SMSF loans

Not only do we find the best loan, we also find the best way to structure your loans by working closely with our accountant and financial planner network.

We are Brisbane based but service clients in Sydney and Melbourne. 

Call now 0476 111 000

As Strategy Analyst we worked on various projects to take Aussie to that next level. Our major project was changing Aussie from a one product lender to become Australia's No 1 Mortgage Broker and Non-Bank Lender.

Strategy Analyst

Challenger Limited

Operations Manager

J.P. Morgan

Broker Assistant

Hi there, I'm Tom Uhlich. I am a Mortgage Broker and Owner of Boss Money. 

Recent Awards
2022 Top 10 QLD Mortgage Broker (6th)
2021 Top 10 QLD Mortgage Broker (8th)

I have been a mortgage broker for 18 years.

In an earlier life, I was a qualified accountant, so numbers are my thing, but my personality was too big for the accounting world.

In basic terms, I assist my clients in 3 ways:

1) Find them the best home loan

2) Structure the home loan so they can pay it off faster

3) Get the loan approved 

You can contact me on 0476 111 000, tom@bossmoney.com.au, www.bossmoney.com.au or via direct message.

Cheers
Tom

Happy Monday ⭐️ 
 
Last evening, I had the privilege of attending an enlightening presentation by Steven Bartlett, the dynamic mind behind the "Diary of a CEO" podcast.
 
His insights are still resonating with me as I continue to unpack the depth of the discussion.
 
One particular point that struck me was about the average life expectancy in Australia.
 
Reflecting on how many days we potentially have left really brings clarity to the importance of making each day meaningful.
 
This realisation is a compelling reminder to prioritise our goals and cherish the time we have.
 
Let's start this week with determination and purpose!
 
BOSS
 
#MondayMotivation #Leadership #TimeManagment #life

Home buyers serviceability is a becoming an issue not many are talking about

Tom Uhlich on LinkedIn • 3 min read

Navigating the Tightening Maze of Bank Serviceability: A Current Perspective

**Exploring the Timing of Real Estate Investments: To Buy Now or Wait for Lower Interest Rates?**

In the dynamic landscape of real estate, timing your investment is key. I've conducted a preliminary analysis to compare the potential impacts of buying now versus waiting for interest rates to decrease. 

Here are the key assumptions and findings:

**Assumptions:**
- Annual property value growth of 5%
- Interest rates anticipated to decrease to 5% over the next two years

**Insights:**
- Our initial calculations suggest that waiting for a rate drop could lead to significant financial losses due to missed capital appreciation and the ongoing cost of rent.

- The potential lost gains in property value, coupled with rent payments, represent a dual financial setback.

**Considering buying or waiting?** 

Let's discuss how current market conditions affect your personal investment strategy. 

Contact me to explore detailed, customised calculations tailored to your situation.

#RealEstateInvestment #FinancialAnalysis #MarketTiming #HomeBuying

Unlock the Power of AI: Experience the New Era of Digital Mortgages

Tom Uhlich on LinkedIn • 2 min read

The Future of Home Buying: Digital Mortgages and Artificial Intelligence

When will the RBA cut interest rates?

Recent analyses suggest a shift towards a more neutral stance by the RBA, especially after rates were maintained at 4.35% in March, indicating a pause in the discussion over further rate hikes for the first time since May 2022.

• ANZ and NAB see rate cuts potentially starting in November.

• CBA and Westpac predict rate adjustments as early as late September, with significant cuts by mid-2025.

• Bendigo Bank and AMP suggest the easing cycle may not begin until 2025 or as early as August.
 
We will continue to monitor these developments closely and keep you informed of any changes that might affect your financial planning.
 
BOSS

#RBARates #FinanceNews #MonetaryPolicy #AustralianEconomy

Exploring Beyond Property: Leveraging Home Equity for Diverse Investments

As professionals, we're constantly seeking innovative ways to enhance our financial portfolio. It's crucial to recognise that the value locked within our homes can serve as a pivotal asset beyond traditional property investment. Home equity, often underutilised, presents a remarkable opportunity for diversification.

Why limit the potential of your equity to the realm of real estate alone? The financial landscape offers a plethora of investment avenues – from equity in public companies through shares, to managed funds, cryptocurrencies, and even the prospect of owning a business. This approach not only diversifies risk but potentially augments your wealth in dynamic sectors.

Let's shift our perspective on home equity. Rather than viewing it as a static component of our financial assets, we can embrace it as a versatile tool for wealth generation. The concept of 'lazy equity' doesn't align with the proactive mindset of today's investors. Our equity should be actively working, contributing to our broader investment goals.

I encourage my network to rethink investment strategies. Explore the vast potential your home equity holds and consider how it can propel you towards achieving diverse financial objectives. The journey to building wealth is multifaceted – let's make sure our strategies are too.

BOSS

#WealthBuilding #InvestmentOpportunities #DiversifyYourPortfolio #HomeEquity #UnlockPotential #bossmoney #tomuhlich

In the event of a relationship breakdown, it's crucial to understand the legal steps involved in separating property and mortgage obligations in Australia.
 
Contrary to common belief, simply notifying your bank to remove a name from the mortgage and property title is not sufficient.
 
The correct procedure entails refinancing your loan and securing a property title transfer through a solicitor.
 
This process ensures that all legal and financial responsibilities are accurately reassigned.
 
It's essential to seek professional advice to navigate these changes effectively and ensure that all actions comply with Australian law.
 
BOSS
 
#LegalAdvice #PropertyLaw #Divorce #MortgageRefinancing #AustralianProperty

Is now the time to fix your home loan?

Recent shifts in economic forecasts suggest that the anticipated decrease in interest rates might not occur until late 2024 or even 2025. With variable rates currently at around 6%, locking in a fixed rate now could be a prudent decision.

🏠 Why Consider Fixing Your Home Loan Now? Post-COVID, we saw banks offering historically low five-year fixed rates at 1.79%, a golden opportunity that benefited only a select few who took advantage. Today, while the rates have adjusted, securing a fixed rate between two and five years at 5.79% offers a buffer against potential volatility in the coming years.

🔄 Flexibility in Your Financing: For those looking to balance stability and flexibility, mixing fixed and variable rates might be the right strategy. Tailoring your home loan to include both fixed and variable components can optimise your financial outcomes based on personal and market circumstances.

💼 Take Action: This may very well be "the new normal" for the foreseeable future.

🔗 Connect with a Financial Expert: Feel free to reach out if you need guidance on how to navigate these changes or to discuss your options further. Protecting your financial future is more crucial than ever!

BOSS

#HomeLoans #InterestRates #FinancialPlanning #RealEstate #MortgageRates #EconomicOutlook #InvestmentStrategy #FinancialAdvice #Homeownership #MarketTrends

Will the new Help to buy scheme cause more harm than good?

Help to Buy scheme: Genuine Lifeline or will it cause more harm than good?

Homeownership and Age
 
Homeownership rates in Australia increase with age.
 
While the younger generation under 24 years prefers to rent, the rate of homeownership rises significantly with age.
 
By the age of 75, nearly 85% of people own their homes outright.
 
Another interesting fact is that there are currently 1,043,776 unoccupied dwellings.
 
BOSS

#BrisbanePropertyInvestors #love #instagood #explorepage #trending #InvestmentLoansBrisbane #RealEstateInvestingBrisbane #BrisbaneInvestmentProperties #PropertyMarketBrisbane #BrisbaneRealEstateMarket #MortgageBrokerBrisbane #PropertyInvestmentBrisbane #BrisbaneFinance #InvestorsBrisbane #BrisbaneInvestmentOpportunities #WealthBuildingBrisbane #BrisbaneHomeLoans #InvestingInBrisbane #BrisbaneMortgages #bossmoney #tomuhlich

Unlock the value of your home & upgrade your lifestyle


active.social • 2 min read

Unlock the value of your home & upgrade your lifestyle

**Secrets to Success from the World’s Wealthiest**

Discover the core principles that fuel the success of the world's most affluent individuals. These aren't just buzzwords; they're tried-and-true strategies that drive growth and innovation.

**Visionary Leadership**: Set your sights on the future. Understand the trends that will shape the market and seize opportunities that others overlook.

**Innovation**: Never settle for the status quo. Constantly explore new ideas and technologies to stay ahead of the curve.

**Strategic Investment**: Be smart about where you put your money. Invest in areas with high growth potential to build a strong foundation.

**Adaptability**: The market moves fast. Be ready to pivot and adapt to keep pace with change.

**Customer Focus**: Your customers are your greatest asset. Prioritize their needs to build loyalty and drive growth.

**Risk Taking**: Fortune favors the bold. Don't be afraid to take calculated risks to achieve big rewards.

**Building Strong Teams**: Success is a team effort. Surround yourself with skilled professionals who share your vision.

**Operational Excellence**: Efficiency is key. Streamline operations to boost productivity and profitability.

**Long-Term Perspective**: Focus on sustainability. Look beyond quick wins to build lasting success.

**Philanthropy**: Give back to society. It’s not just about profits; it's about making a positive impact.

BOSS

#Success #BillionaireMindset #Leadership #Growth

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