Free, expert and unbiased help, when you need it most

HomeSample Page

Sample Page

Get Your Home Loan Approved With The Best Rates

Finding a job should not be a full-time endeavor. Tell us what you’re searching for, and we’ll find you job.

Find out Apps in a second.

Learn More

+102

Jobs Boosted

Create better and outstanding profiles

Create an account so you can begin creating and boosting your profile. Enter all of your experience and skills, and we will match.
Sign up

Finding Work Has Never Been Easier.

We provide you the flexibility in your hands so you can manage everything so easily now.

Directly CV Uploads

You can upload your resume or CV directly from Hired website and soon will be reviewed.

Scheduling Interview

You can schedule the interview, but the recruiter have to review your re-schedule.

Success Stories from Job Seekers

read more
Georgia Harper

Georgia Harper

Mojotech

You are thorough professionals. Patti, thank you for giving me this opportunity and assisting me in my job search… you are an awesome and amazing person.

Roki Rejaoul

Roki Rejaoul

Appier
Patti Babyn was so professional and personable and I really felt she had my best interests at heart throughout the process and beyond.
Alicla Splnnet

Alicla Splnnet

Stockwell
I had a wonderful experience working with Hired, she was very knowledgeable about the industry, and she seemed very committed.
Stapen Roki

Stapen Roki

Willmart
My job search with The Headhunters went flawlessly. The stress in trying to find a new job was eliminated.

You can find Hired on App and Play store

Advertise your jobs to millions of monthly users
  • Apply direct from the app
  • Save jobs and searches

Latest Blog Posts in Careers

Linkedin Facebook Twitter

© MINT MONEY.
ALL RIGHTS RESERVED.

PRIVACY POLICY
Consult for Free

First home buyer short of minimum deposit got his dream home by way of a security guarantee.

BACKGROUND

Tom was on a mission to buy his first property.  He was looking at options for $400,000 and had saved $18,000.

CHALLENGE

To meet the bank’s 5% minimum deposit, he needed $20,000 plus an additional $16,000 for associated government fees and conveyancing costs – totalling $36,000. Tom was significantly short of this, so he resigned himself to saving further.

RESOLUTION

Tom met with Mint Money and we were able to present him with an alternative:


With sufficient equity in their home, Tom’s parents were willing to offer Tom support by way of a security guarantee. To buy the property, a limited liability mortgage was placed on Tom’s parents’ home allowing Tom to leverage off the equity.


Furthermore, some lenders allow the associated costs to also be borrowed, meaning Tom was able to borrow an additional $16,000.


Loan # 1 covered 20% of the purchase price plus associated costs ($96,000).  This loan was secured by both Tom’s new property and his parent’s property.


The second facility, Loan # 2, representing 80% of the purchase price ($320,000), was secured solely by Tom’s new investment property.


With the assistance of his parents, Tom was effectively able to borrow 104% of the purchase price, leaving his own savings to be used for other purposes – like furnishings.


The real saving here? The overall security offered reduced the Loan to Value Ratio (LVR) to below 80% and no Lenders Mortgage Insurance (LMI) was required – saving Tom over $15,000 in an insurance premium.


Mint Money was also able to leverage off the overall-equity-buffer the bank had to negotiate a lower interest rate for Tom. As Tom and his parents were conscious of having their family home securing Tom’s loan, we placed a Debt Reduction Strategy in place to help facilitate the quick release from the mortgage of Tom’s parent’s property.