There’s a lot of major real estate and finance news going around right now:
• The property market is booming; the banking system is strong; HomeBuilder is expanding, and power prices are down 8.8%.
According to the most recent data from the Australian Bureau of Statistics, mortgage lending is at historically high levels, owing to the hot property market.
In February, Australians took out $28.6 billion in home loans, a 1.8 percent decrease from the previous month but a huge 55.2 percent increase from the previous year.
The system isn’t working as well as it normally does because of the high demand for home loans right now. So here are my top three loan-getting tips in today’s environment:
• Start early, because lenders take a long time to process applications.
• Shop around, because there are many great offers that aren’t advertised or seen on comparison websites.
• Work hard to keep your credit score up, and repair any blemishes you might have.
The benefit of working with a broker is that you’ll be represented in all three fields.
A broker will be aware of all the back-room transactions, will educate you about how to retain your credit rating, and can handle the time-consuming application process on your behalf.
According to Reserve Bank of Australia numbers, Australians with mortgages dramatically increased their financial buffers last year.
Indebted homeowners now have an average of four months’ worth of expenditures in the fund, as seen in the graph.
Renters will have to wait less than two months, while homeowners will have to wait ten months.
According to the Reserve Bank, the average household’s savings rate increased to 12% of income last year.
These additional funds were used to pay down debt and/or build financial reserves.
Lending conditions, on the other hand, are “largely unchanged and remain robust.”
To put it another way, investors have strengthened their personal financial situations as the banking system has remained stable.
Were you one of the 121,000 people who benefited from the HomeBuilder programme?
If that’s the case, there’s good news: the government has extended the building start date from six to 18 months.
This is in response to unanticipated delays in the construction industry due to supply constraints caused by Covid.
Even though grant applications are no longer being accepted, all applicants who signed contracts between 4 June 2020 and 31 March 2021 will be eligible for this extension.
HomeBuilder was created to preserve the employment of tradies while also stimulating the construction industry, and it was a huge success.
Since June 2020, new house sales have increased significantly, according to data from the Housing Industry Association.
Between February and March, there was a 90.3 percent increase as Australians hurried to take advantage of HomeBuilder before it ended.
Electricity rates have dropped nearly 9% since the middle of last year, resulting in significant potential savings for eastern and southern states’ residents.
The ACCC, Australia’s competition and consumer watchdog, came to this conclusion.
On average, retail energy offers currently available to households in NSW, Victoria, south-east Queensland, South Australia, and the ACT are 8.8% lower than in June 2020, equating to a $126 annual household savings.
The cost of wholesale electricity has decreased as a result of increased renewable generation and lower fuel costs.
The ACCC advises consumers to shop around for a better deal and move to a cheaper package.
Electricity retailers, on the other hand, are expected by law to pass on wholesale power cost reductions, as of June 2020.
Energy Made Easy allows consumers in NSW, south-east Queensland, South Australia, Tasmania, and the ACT to compare deals. Victorian Energy Compare is a resource for customers in Victoria.
I have known Charles Vincent Kauwasha for many long years now since we first met in Accident and Emergency department of Hutt Hospital Lower Hutt New Zealand, where he was an emergency nurse. I had a problem with my heart and very quickly learnt to trust him with my life! we got talking about our businesses and exchanged contact details. Charles has been a loyal friend and business contact here and on whatsapp etc ever since that time, even after he moved from New Zealand to Australia. Charles is a very honest, loyal and trustworthy person, both in business and as a friend. I highly recommend Charles as a safe person to know and do business with.
Charles has provided me with many – free but easy to use marketing tools. If you are new to affiliate marketing – Charles is the best person to go to
With his humble beginnings overseas, Charles would be a perfect mentor for someone feeling trapped with not much to look forward to in future. Listen to his story and be amazed and inspired… starting with nothing to where he is! He will teach you about the power of perseverance. Well done Charles
A unique and profound CEO I have seen in our times, I have seen the calibre in Charles. Charles has a performing influence drive from his desires to do work in an extraordinary way. Charles is adeliver, you will not regret working on projects with him
I Studied with Vincent Kaluwasha during this programme. A highly skilled and knowledgeable individual. Passionate about Occupational Health and would suitably work in the is capacity anywhere in the world”.
JACOB JOSEPH SAKALA-NURSE CONSULTANT
Charles is a man with a great deal of integrity and takes pride in his work
I’ve known Charles for many years and every encounter has been a happy one….he has a wonderful attitude towards life. He is a man of integrity
C J Investiment helped me to secure my first investment with couple of weeks. I will recommend their services to anyone looking for best investment in any city or country
I have seen how Charles has evolved from nothing to setting up a real estate portfolio with determination -Jessica McDade He is a man of integrity and passion who leaves a stone unturned!
All the developers of D5 Creation have come from the disadvantaged part or group of the society. All have established themselves after a long and hard struggle in their life
Thanks to you Charles, we can be there when the worst happens to give people the emergency medical care they need – and rapid transport to hospital. Your support means that CareFlight can fly at a few minutes’ notice, to some of the most inhospitable places in this country. It means patients like Simon can be reached quickly with hospital-level emergency care at the scene – and in cases like Simon’s every minute counts.
On behalf of everyone at CareFlight, thank you for your generosity – and have a wonderful holiday season. Thank you so much
Dear CVK, Awesome, a huge thank you for your prompt response!!! I feel blessed to know you.I love your inspiring video and I have learnt a lot from your nicely arranged presentation. I can’t remember the question I paused to you myself but it feels like whatever it was I asked you has been effectively dealt with in your powerful video. By the way, I strongly feel you can make a good mentor of mine considering the massive education and experience you have acquired through the years. Let me know if you can do this for me because I firmly believe there is a purpose why God brings certain people into our lives which is to help us achieve our fullest potential and arrive at our God-given destiny. Remain blessed forevermore in Jesus mighty name, Amena!!! By the way, many thanks for your quick encouraging feedback and for the free book offer on how to attract people to my biz.Will study the book ASAP and I should be able to implement what I will learn and will see where that will take me. I am looking forward to a rewarding interaction between the two of us. Once again, thank you for your non-wavering support and encouragement you have rendered to me over the years. I thought you had given up on me and forgotten about me since I appeared to be wasting your time. I am still interested in salvaging my life and do something new and big because I am tired and sick of living a mediocre kind of life. Please help me if you can by God’s grace. Have a blessed day my Brotherman
Charles, right now, a lot of people in this country are saying, “Thank you.”Thank you for being there when they needed help most. Thank you for taking charge when their world was turning upside down. Thank you for giving them confidence, when they were afraid and needed life-saving help. As a CareFlight Support Crew Member, you are making such a difference for so many people. Your regular donations help save lives and keep families together. Patients like Thomas, who told us, “You made it possible for me to survive.”And Agnes, who said, “I’m very grateful a service like CareFlight exists.”Below are some more messages of thanks: Thanks from the patients you help. As we head into another year, we know there will be even more people who will call on our services. So, I’d like to add my heartfelt thanks to those of our patients, for your steadfast support. Together we are ensuring CareFlight is always there for people when they call for our help. Whether it’s intubating a patient at the scene of an accident, or ensuring a newborn is safe on a flight from a remote area to a major hospital for treatment, our patients cannot speak highly enough of the care they receive. Charles, that care is part of a chain that starts with people like you. These expressions of gratitude, from all over the country and from all walks of life, show you how much your support is valued – and how much it is needed, more than ever. We can’t do what we do without you.
If this year has taught us anything so far, it’s that none of us ever truly know what is around the corner.
That’s why I can’t thank you enough for your support that ensures we can continue to provide life-saving aeromedical care to Australians most in need.
Our CareFlight crews are in a unique position to understand what Australians have been going through. Every day, we care for people who have found their world shaken by a sudden accident or illness – coping with circumstances almost none expected to face when they woke up that morning.
People like Simon Bowman don’t like to rely on others for help. But one day, as he lay trapped inside his car after a terrible road accident, with suspected injuries to his spine and shoulder and a possible head trauma, Simon needed life-saving help desperately. CareFlight was there in a matter of minutes.
CareFlight’s rapid response helicopter service is so vital in situations like this. Our crew can be airborne in minutes and by the side of our patient, delivering hospital-level emergency care as fast as possible.
Simon doesn’t remember much about his accident, but he does recall the voices of the CareFlight crew as they worked urgently to treat his injuries. Simon told us: “I knew there was someone looking after me and that I was in good hands.”
Our mission is to deliver people the very best care. We’ve spearheaded international aeromedical innovations such as our stretcher bridge system and become the first civilian service to carry blood plasma to the scene of an accident.
The care, the state-of-the-art equipment, those voices which reassure patients that they are in the hands of skilled professionals they can trust – it’s all thanks to people like you.
Simon has recovered and recently visited our base to meet some of the crew. He has never forgotten the help he received from CareFlight, so meeting them again was an emotional experience.
Seeing the helicopter that transported him to hospital, he was amazed at its size. He confessed he’d never been that keen on helicopters, “but I was very keen that one was there that day.”
Your support for CareFlight is helping to save so many lives, like Simon’s.
Thank you so much.
HAPPY BIRTHDAY, CEO!! peacemaker, Shepherd, wise, intelligent, focused, hardworking, caring, loving, forgiving, Husband, Granddad and most importantly best Father Charles V. Kaluwasha. We’ve been truly blessed to have you as our mentor and protector. We thank God for keeping you alive and healthy. Today we celebrate your 60th, a blessed milestone! Next, we count down to your 100th BIRTHDAY. WE LOVE YOU and pray we have you as our father in the next life- @Kendy Kaluwasha
Charles is a very intelligent individual and is very knowledgeable in regards to the Australian Real Estate market. We continue to work a long side each other and we will be for a very long time. He is a much needed asset to my business and growth of my business in the future.
Charles, is very knowledgeable about real estate and great person to connect with. He teaches what he has done himself.
My great sponsor, you inspired me a lot, you are really God sent, to make life better for me, I will not hide it from you, that I really have a little bit of financial contains, because all what I was saving for my travel I left 60%of the money to take care of my two children, to buy a bag of rice and different foods stuff. so here in Monrovia I don’t want to sit idle I just want to start some clothing business, so I am pleading what everything you help me with for the sake of God Almighty, God will surely triple it in return. Thanks sir and God bless you the great man one day you will be the richest man in Zambia, God bless you. I pray that the money will grow more than ten billion dollars. Amen sir, thank you sir, one day you will be a leader in Zambia, by the Grace of God, that my vision for you sir.
Thank you sir hope your work and business expand. Greatness is your portion on a daily basis. You inspire many to pursue their dream, so good to see you pave the way.
You are just not any other resource mwanta, but a creative, proactive and as sharp as a double-edged sword. I love the way you have put together connected opportunities available in our programme and the turning of light by the blind buddy. This is awesome, This is incredible!! https://www.entredevec.com/
Hello. How was the day?
Mine was fine, and I was reading the testimonies people are presenting about you.
You are great, and I want to learn from you.
I am really impressed with your work, experience and expertise. Continue helping us.
The book Launch speech
On 25 November, my co-authors and I had to present our speeches.
One week later, this is what people had to say…
Mwebantu…who has @Charles Kaluwasha speech at the book launch 😄
It was POWERFUL-Cranston
I tell you, that was captivating I don’t think people remembered to press record.
For the book am reading ba @Charles Kaluwasha story and while reading am imagining it being told just like the speech 😀. -Cranston
I hope someone captured it; maybe check the zoom recording as well.
He was on fire 🔥 🔥🔥🔥🔥
It was fun to listen to. –Cranston
Personally, I can confess…after technical difficulties and having to personally meet and speak to the VIPs I invited…it was VERY refreshing to sit in the audience and just take in what you had to say. It was so good 😄-Cranston
Yeah, he was on fire…I thought he was going to make a book launch altar call 😄. There was so much energy, and time was not our best ally; otherwise, we were going to spend a night there.- Paster Kennedy Phiri
The story is also good, so authentic and inspiring. If I was not yet abroad, that is the story I would like to read.
The speech made me want to read it first, despite being the last reading 📖.-Theresa D’Amaden
Hi Charles, I hope this message finds you well. I have been inspired by your achievements as the Founder & CEO of CJI, a Real Estate Investor & Developer, as well as your status as a #1 Amazon Bestselling author. Your entrepreneurial skills and dedication to delivering exceptional results for over 10 years are truly commendable. As a mortgage broker, I understand the importance of having a strong network of professionals to support and empower success. I wanted to reach out and offer my assistance as well as explore potential collaboration opportunities with you. Whether you need assistance with home loan refinancing, business loans, or any other financial solutions, our team is here to help. We specialize in tailoring our services to meet the unique needs of busy professionals like yourself. With our expertise, we can provide the support you need to fuel your real estate ventures and continue your entrepreneurial journey. Additionally, I wanted to highlight our referral program. We believe in the power of collaboration and building strong relationships within the industry. If you come across any individuals or clients who could benefit from our services, we would be more than happy to assist them. Likewise, we would be glad to refer clients to you whenever there is an opportunity to leverage your exceptional entrepreneurial skills, coaching, and mentorship. I would love to have a quick chat with you to discuss how we can collaborate and support each other’s success. Looking forward to the opportunity to collaborate with you, Charles, and empower each other’s entrepreneurial journeys. Jay Menon www.jjmfinancespecialists.com.au