Things Have Changed at Australian Finance Centre

August 8, 2017

 

Financial Planning and Mortgage Broking all in one with over 26 Lenders to choose from and a suite of Financial Products to choose from.

 

Providing Finance Solutions Since August 2000

With the ever changing financial landscape, I have decided to take on the joint role of a financial planner and mortgage broker.  I have been considering this for many years and have been encouraged by many of my clients to make the transition.

 

After spending a considerable amount of time studying I have joined forces with Chris Geremia and Mackenzie Sanderson from Harvest Wealth Services.  They are both experienced Certified Financial Planners with many years of experience in the industry, which they also have an existing administration team that I will utilise that will help me spend more time looking after you.

 

We are all committed to helping you achieve your goals without any bias to any particular products. 


I am now qualified to give you advice in the following areas:

 

  • Superannuation and Retirement strategies

  • Insurances to protect your family and assets

  • Building Wealth outside of Superannuation

  • Estate planning

  • Investment planning

  • Mortgage Lending with over 26 lenders to choose from, refinancing, purchasing,Commercial and residential. Bad credit and low doc loans with start up businesses welcome as part of our speciality.

  • Asset Finance, Car and Personal loans

  • Commercial, Development and Business Finance

  • Self Managed Fund  Lending (SMSF)

  • Reverse mortgages

  • Online budget programs to drive down debt and build wealth

  • Ongoing reviews to make sure we constantly review goals and outcomes Australia wide

If you have been contemplating speaking to someone about your finances then please call or email me. I would be delighted to help you achieve some goals and assist you with your financial needs.

Thanks for your continued support and I am looking forward to catching up with you in the near future.

 

Click here to view our Financial Services Guide.

 

Join us on Facebook, Linkedin and Twitter to receive updated finance news and property growths in your areas.

 

View our website to see our calculators on how to reduce your mortgage, click here to view the online budget calculator.

 

With the ever changing new regulations around mortgages, interest only loans it might be a perfect time for me to review your current situation so feel free to contact me, or email me and send through your latest mortgage statement so that I can check that you have the best loan for your individual needs.

Article from Chief Economist Shane Oliver of AMP Bank

“A leading economist has downplayed the latest round of rate hikes, reminding investors that they can get up to half of the increase back from the “tax man”.

 

In a market update, AMP Capital chief economist Shane Oliver commented on the fresh round of mortgage rate hikes, noting that cuts had also been made for owner-occupiers paying principle and interest.

 

“The drip feed of bank rate hikes has continued but it’s worth putting this in perspective,” Mr Oliver said.

 

“Reflecting regulatory pressure and banks managing their risks the rate hikes have been for investors and more recently for interest-only (IO) borrowers.

 

“While the hike in investor and interest only rates (of around 0.3 per cent for investor P&I loans, 0.75 per cent for investor IO loans and 0.5 per cent for owner-occupier IO loans since November) are a dampener, they are modest compared to past rate hiking cycles, investors can get up to half of it back from the tax man and nearly 80 per cent of owner-occupiers are on principle and interest loans and many of them have seen a small rate cut over the last week.”

 

The main uncertainty relates to the impact on interest-only owner-occupiers, Mr Oliver said, “but, of course, if there is a problem there in terms of repayments as they move across to P&I that threatens overall economic growth, the RBA can simply offset the increase in mortgage costs by cutting the cash rate again (and yes – for owner-occupiers it’s likely the banks would pass it on)."

 

If any of the other financial items are of interest to you then please let me know and we can explore further.

 

Yours Sincerely

Andrew Salsbury

 

 

 

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