Homepage - LIFT LENDING

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About us

Lift Lending provides access to the latest and most comprehensive list of products and services to best meet your financial needs. We specialise and are passionate about helping clients achieve their financial goals whether it be for first home buyers, financing or investment. This means taking the time to understand your short and long term goals with your life aspirations to negotiate the right finance options for your needs from the hundreds that are available. We will support you throughout the process and will work with you long after your loan has settled to make sure you are still getting the best value and most suitable loan for your ever changing lifestyle and goals. We have access to platforms and expertise from various groups including Mortgage Australia Group, AFG and our extensive list of industry specialists. If you want to become mortgage free faster and easier and to discuss or review your loan requirements call on the details below. Start saving today!

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How we can help you?

Via our access to a diverse and comprehensive list of products and services

Working out your needs and requirements should not be rocket science How many times has the thought of trying to get a better structure to your financial requirements seem too overburdening? People often tend to leave this or put it in the ‘too hard basket’. Whether you are new to the market, trying to simplify or find a better product or rate, we can provide the assistance that better meets the needs of your portfolio. We can provide access to assistance in determining your serviceability and portfolio needs through our extensive brokerage platform we use. By entering in your specific needs into the tools, we can help narrow down the products and rates that best suit your needs. The platforms we use help minimise the amount of rework when applying for different products through different institutions, saving you time.

Do you have a low deposit?

Have you got only a low deposit or are new to the market? – We can help.

Need to work out your overall loan size and see what is available?

How much can you borrow against your assets and find the best product for your needs. – We can help.

Not sure if you can service a new loan?

Not sure if your income can allow you to service the loan for your needs, whether it is a new house or your portfolio of loans? – We can help.

Meet your needs

We strive to find the products and services that best meet your needs – always.

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Our Team

Sandra

Specialist Mortgage Broker / Partner

Peter

Partner

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Testimonials

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Latest News

News from our social media feed

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www.liftlending.com.au Provides mortgage and lending product support to meet personal and investme

Sandra & Peter Erdel - Lift Lending Peakhurst

2 days ago

If you are a property investor - here is how to increase your rental returns.You've taken the plunge into the investment property pool and now have to find tenants. Although most rental markets throughout Australia remain tight, there's still a need to put your property's best foot forward to attract optimum returns.Here are some of the ways you can add value and ask for more rent for your investment.ADD OR UPGRADE APPLIANCESIf your rental has no dishwasher, add one. You can ask an extra $5-10 a week in rent and tick one of the big convenience boxes for renters.European or stainless steel appliances in the kitchen can also add appeal, especially with the proliferation of would-be Masterchefs and My Kitchen Rulers.LAUNDRYIf you have an older unit with no internal laundry, take a leaf from the Europeans and install a front-loader washing machine under a bench in the kitchen. You could also add a wall-mounted clothes dryer in the bathroom if there's room, or install a retractable clothesline on a balcony. Expect to collect about $30 extra a week with internal laundry facilities.TEMPERATURE CONTROLYou can charge $20-30 a week extra by installing an inexpensive, wall-mounted, reverse-cycle air-conditioner, especially if the property is in a very hot or cold climate. Tenants in hot climates will also appreciate - and pay a little extra for - ceiling fans if you don't want to fork out for air-conditioning.FURNITUREFully-furnished rentals do attract higher yields (from $80 upwards, depending on the property and area), but are not for everyone. Renters who are in transient professions (defence force, teaching), relocating long distances, leaving a relationship or moving out of home for the first time are more likely to target furnished rentals. Others may be put off if a place is furnished because it means their gear has to be stored.Do your homework on the area and the type of renters it attracts before stocking up on extra couches.UNDER-COVER PARKINGYou don't have to build a garage to provide protected parking. Consider building a carport over a driveway. A simple $5,000 carport will probably pay for itself through extra rent in around two years.EYE FOR DETAILGlimpses of gleam can have a big visual impact, just as worn, rusty and scratched fixtures can detract. Modernise older properties with small details, such as new handles on drawers and cabinets, more contemporary light fittings and sparkling stainless steel taps. You can also give a stale bathroom a quick and cheap facelift with new towel rods and hooks, a large mirror and a new shower screen. These little features are hygiene factors that will attract a higher-paying tenant.STORAGEBuilt-in wardrobes are highly sought, so make sure you have them in every bedroom. They not only attract extra rent, but broaden the appeal of your property. You can also add storage by reconfiguring existing wardrobes and kitchen cabinets.Think about outdoor storage too, such as a shed or garage shelving, as tenants are likely to have bicycles, sports gear or camping equipment to stow.SECURITYInsurance statistics show renters are twice as likely as owner occupiers to be burgled, often because security is not as stringent. Make your place less appealing to burglars and more enticing to renters by installing security screens on doors and windows. Just ensure you don't bar windows, as they can pose a safety hazard in the case of fire.REDUCE ENERGY COSTSTenants are often prepared to pay a little more in rent to save a lot on their utilities. Replace all standard light bulbs with energy efficient ones and switch the old electrical hot water system for a solar-boosted one. Make sure you promote the property's energy efficiency when advertising for tenants. ...

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Sandra & Peter Erdel - Lift Lending Peakhurst

3 days ago

How to pay your credit card off completely this year.Are you growing increasingly concerned about your credit card balance? Do you feel like you keep making the repayments but the total never goes down? It probably doesn't. Credit card debt is very bad debt and it has a way of reproducing itself faster than a pair of rabbits.So how can you get your credit card paid off by the end of the year?Mark managed to pay off a $7k credit card balance in one year, just by making a few smart decisions with his budget.Decision number 1: Cancel the Pay TV. Mark was paying $79 per month for subscription TV. He didn't really watch it very much because he was working long hours.Saving: $948Decision number 2: No more morning Cappuccino. Mark's boss had recently installed a great coffee machine in the office, so he decided not to get a $4 coffee on his way to work every day.Saving: $1040Decision number 3: Ride to work. Mark had purchased a new bike last year, and he was really keen to get fit. An easy 20 minute ride to work every day saved him paying for train tickets.Saving: $3000Decision number 4: Cancel the Gym membership. Mark had made only two guest appearances at his gym this month, and he felt it was a waste of money now that he was riding to work.Saving: $1200Decision number 5: No beer on weeknights. Mark was enjoying his new fitness regime and he decided that he would try to only drink beer on the weekends. He stopped buying a 6 pack 2 nights a week.Saving: 1456Mark's story shows just how easy it is to pay off your credit card debt by making a few small changes to your lifestyle. But the first step is to stop spending on the card. If you can stop growing the debt, you can then start working on bringing it down, one coffee at a time! ...

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Sandra & Peter Erdel - Lift Lending Peakhurst

6 days ago

We all know that interest rates are cyclical and that when rates go down they will eventually go up.As a result, lenders have been assessing loan applications on the ability of borrowers to make repayments at interest rates approximately 2% higher than those currently available. While lenders have been assessing your ability to make repayments at a higher interest rate, what is the reality of the fi nancial impact of your regular loan repayments?To make sure you are ready, click here to read my "What goes down, must come up" article. www.mortgageaustralia.com.au/email/files/whatgoesdownmustgoup.pdf ...

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Sandra & Peter Erdel - Lift Lending Peakhurst

1 week ago

Protect your investment - find a great property manager:If you are a property investor you probably know about Landlord's Insurance, but there's another way to protect your investment, and make sure that you continue to get a good rental return. The trick is to find a great property manager.There a few characteristics that will help you to tell the difference between a fabulous property manager who will care for your investment, and a nightmare property manager who will cost you a fortune. Professional and CommittedA really good property manager is not the disgruntled young buck who was recently rejected as a junior sales agent, and now has to see his days out processing rental applications. The best property managers are people who wouldn't have it any other way. They have made a career out of managing property and they have a network of satisfied clients. Good processes in place for screening tenantsA good property manager has excellent processes in place for making sure that potential tenants are carefully screened. They keep detailed records and they check references. Conducts regular inspectionsA good property manager can tell you how often they will be inspecting your property. They will personally inspect the property at the agreed time and report back to you with any issues. They don't send the receptionist. Has a maintenance team ready to handle any issuesA good property manager has a team of workers on call in the event that there are emergency repairs or maintenance needed at your property. They believe that it's vital to stay on top of any small issues before they become bigger ones. Answers your phone callsA good property manager is approachable and it shouldn't take a week for you to get them on the phone. They care about maintaining a relationship with you because they want to keep your business. Treats tenants with respectA good property manager treats tenants with fairness and respect, and understands that happy tenants are more likely to keep the property in good repair, and pay the rent on time. They also know when to do something if a tenant is not keeping up their end of the bargain. Cares about your propertyMost of all, a good property manager cares about you and your property and they will ensure that your investment is protected. By maintaining good rapport with all parties, they will help you to retain good tenants to keep your rental return coming in. ...

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Sandra & Peter Erdel - Lift Lending Peakhurst

1 week ago

Here is why you shouldn't scrimp on loan repayments:With household costs on the rise, many mortgagees are struggling to balance their budgets. It's not surprising more Australians are skipping mortgage payments to help make ends meet.However, missing loan repayments could land you in a bigger hole. Not only will you be up for late fees - ranging from a manageable $9 to a stinging $195 per overdue payment - but you could be adding thousands of dollars of extra interest to your debt.At worst, a string of missed mortgage payments could see the bank recalling your loan, forcing a fire sale of your home. Even a couple of missed payments could put a red flag on your credit history, which is going to cramp future borrowings.One of the best ways to reduce the risk of mortgage stress is to give yourself a buffer on your budget. In Australia, it's recommended borrowers' mortgage repayments make up no more than 30% of household income. The problem is many home owners borrow to the edge of the threshold when interest rates are low - as they are now - leaving no room for inevitable rate rises and other increased living costs.Instead, budget for mortgage repayments at a 9% interest rate, a long-term average that accounts for peaks and troughs over the long run. When rates are low, stick the extra funds into your mortgage. You will not only save on interest but will have established a safety net, which you can draw on if needed when rates run high.If you are already feeling the pinch and struggling to make payments, talk to a Mortgage Broker sooner rather than later. A Mortgage Broker can help negotiate with the lender on your behalf and can look into other loan options to ease the squeeze. ...

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Contact

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Credit services provided by Credit Representatives of: Mortgage Australia Group Pty Ltd, Australian Credit Licence 377294

Find Us

We are located in Sydney, servicing any clients around Australia

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Sandra: 0417 425 233

Peter: 0419 297 034

LIFT LENDING – MORTGAGE BROKERS

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