About Declan Hanratty

Declan Hanratty is the Managing Director of Vanquish Finance Group, he is a Licenced Mortgage Broker and Real Estate Agent. Declan has been working in the property and finance markets of Melbourne for over 20 years now. Initially Declan worked for a finance company which is where he learnt his craft and sore a gap in the market for a finance company focused on customer service instead of profits. So he created Vanquish Finance Group and has focused on his Clients and put their interest first. In doing this he has created a very successful business.

Mortgage Broker Versus Bank

By |2019-09-18T12:00:35+10:00September 18th, 2019|Categories: Mortgage Broker|Tags: , , , , , |

Mortgage Broker Versus Bank Mortgage Broker versus Bank When seeking a home loan, borrowers have traditionally headed to the bank. In the good old days, you would pop in on the big building on the corner that had been your bank since you were a little nipper and chat with the bank manager who [...]

The unexpected costs of selling your home

By |2019-09-18T11:59:31+10:00May 22nd, 2019|Categories: Blogs, Mortgage Broker|Tags: , , , , |

The unexpected costs of selling your home Byline author: Kate Browne Publication: Vanquish Finance Group You’ve put your house on the market for a reasonable price and you’ve got your eye on another property. You shouldn’t have to fork out too much from here, right? All you’ll need to buy are a few dozen cardboard boxes [...]

Are you a first home buyer

By |2024-10-25T09:54:24+10:00October 12th, 2018|Categories: First Home Buyers|Tags: , , , , , |

It's not easy being a first home buyer in today's world?Buying your first home can be one of the most stressful experiences of your life.  I can recall how stressful it was for me when I purchased my first home.  It was almost 30 years ago now, and property prices were a hell of a lot [...]

Bank fees, the silent killer

By |2018-10-18T11:11:05+10:00October 8th, 2018|Categories: Bank Fees, Blogs|Tags: , , , |

Bank fees, the silent killer Bank fees, the silent killer. Australia's banks have become incredibly profitable and powerful in recent years, generating billion-dollar profits year after year. This has seen them become some of the most profitable and powerful financial institutions in the world. Banks, by and large, make money by securing deposits, on which [...]

Capital city value edge lower

By |2018-10-18T11:14:30+10:00June 6th, 2018|Categories: Blogs, Corelogic|Tags: , , |

Capital city value edge lower The value of dwellings across Australia capital has touched their lowest point since late 2012 according to CoreLogic’s latest Home Value Index, sliding 0.01% in April. The recent low follows a steady decline over the past several months, a comedown from historic heights. In contrast, the regional property index is pushing [...]

APRA announces, it will remove the 10% investor cap restriction

By |2018-10-18T11:15:17+10:00April 30th, 2018|Categories: Blogs, Regulators & Credit Policy|Tags: , , , |

APRA announces, it will remove the 10% investor cap restriction This week, APRA announced that it would be removing its 10 per cent benchmark on investor loan growth for banks as long as they can “provide assurance on the strength of their lending standards”. For those of you unaware of the 10 per cent benchmark means.  [...]

What Aussies are talking about when it comes to property

By |2018-10-18T11:19:36+10:00March 26th, 2018|Categories: Blogs, Property Market|Tags: , , , |

What Aussies are talking about when it comes to property The question on everyone’s lips, is Australia heading for a property crash? What is really going on in the property market with so much talk about property crashes, oversupply of property, especially apartments, affordability and rising household debt. Conditions need to turn pretty bad for [...]

Perils of buying a house with rose-coloured glasses

By |2018-10-18T11:21:35+10:00March 6th, 2018|Categories: Blogs, Property Market|Tags: , , |

Perils of buying a house with rose-coloured glasses ME Bank has conducted research that shows over half of Australian home buyers spend the same amount of time inspecting a property as they do watching an episode via Netflix. The survey of 1,000 property owners revealed that once they found their property, 58% spent less than 60 [...]

What is your current your home loan interest rate

By |2018-10-18T11:23:46+10:00February 19th, 2018|Categories: Blogs, Interest Rates|Tags: , , , |

What is your current your home loan interest rate? What is your current your home loan interest rate?  Many Australians won’t be able to answer this simple question, some don’t even know if their loan repayment are P&I or Interest Only, and whether their interest rate is competitive or not. Therefore, many Australians are paying [...]

The Regulators are flexing their muscles – Why?

By |2018-10-18T11:30:18+10:00April 11th, 2017|Categories: Blogs, Regulators & Credit Policy|Tags: , , , |

The Regulators are flexing their muscles - Why? You would have to be living on Mars not to know that most of Australia is experiencing, and has been for some time now, a property boom which has caused great concerns for Regulators like APRA. So much so, that our Regulators have grave concerns for the future [...]

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