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Episode Description:
In this episode, we have Nick Chong, Founder of Ardent Capital Group and a seasoned mortgage expert with over 12 years of experience in financial planning and mortgage broking.
Nick talks about how COVID-19 altered the mortgage industry through digital adoption and unexpected market dynamics, why many homeowners face “mortgage prison”, and the importance of proactive financial planning before fixed rates expire.
He also discusses why first-time homebuyers must be cautious about credit inquiries and buy-now-pay-later services, how banks have changed their living expense calculations to impact lending, and the strategic ways to prepare for a home loan application, including government incentive timing.
If you want to understand how to optimise your mortgage strategy in today’s high-interest environment and position yourself for financial success, then make sure to listen to this episode!