Mercia | Taxation, Business & Finance Advisers

Do you have the most suitable loan for your circumstances?

Do you  have the best rate available?

If your interest rate is over 4.87%  variable then you may be able to save thousands per year by changing loans and or banks. Bank of Queensland is currently offering customers 4.84% variable for home / investment  loans. No application fee and no ongoing monthly or annual fees. They now have many branches in Perth. conditions apply. So if you are interested in saving thousands per year call Mercia finance to see if we can show you how benefit from a better rate.

If you have any questions about Family Equity, Reverse Mortgages or any other type of loan, call Dan Goodridge on 04144 233 40. Our service is free of charge to you the borrower and we have access to all the major lenders in WA.

With house prices moving it’s even tougher for first home buyers to enter the market. If you want to assist a family member to buy their first home there are a number of thing you can do:

Provide a gift or loan

Offer equity in your own home as security

Use Commonwealth Bank or other banks Family Equity products.

Family Equity is a home buying solution unlike any other, designed to help first home buyers enter the property market. It’s a range of financing options that can help customers secure a home loan, repay a home loan, or a combination of both. The main customer benefit is the ability to enter the property market by relying on guarantors for security and/or servicing support.

A family member has always been able to assist with providing equity or funds for a deposit. What’s good about family equity is it also allows servicing support. This means that if an applicant’s income is not sufficient to service the loan required, a family member (or anyone for that matter) can assist by paying some of the repayments on an ongoing basis. The person providing the equity or servicing support is not required to be on the title of the property being financed. Remember there is a grant and stamp duty incentives from the State Government for first home buyers too.

Do you have the most suitable loan for your circumstances?

Do you  have the best rate available?

If your interest rate is over 4.84% that you may be able to save thousands per year by changing loans and or banks. Homeloans is currently offering customers 4.84% variable for loans conditions apply. So if you are interested in saving thousands per year call Mercia finance to see if we can show you how benefit from a better rate.

If you have any questions about Family Equity, Reverse Mortgages or any other type of loan, call Dan Goodridge on 04144 233 40. Our service is free of charge to you the borrower and we have access to all the major lenders in WA.

With house prices moving it’s even tougher for first home buyers to enter the market. If you want to assist a family member to buy their first home there are a number of thing you can do:

• Provide a gift or loan
• Offer equity in your own home as security
• Use Commonwealth Bank or other banks Family Equity products.

Family Equity is a home buying solution unlike any other, designed to help first home buyers enter the property market. It’s a range of financing options that can help customers secure a home loan, repay a home loan, or a combination of both. The main customer benefit is the ability to enter the property market by relying on guarantors for security and/or servicing support.

A family member has always been able to assist with providing equity or funds for a deposit. What’s good about family equity is it also allows servicing support. This means that if an applicant’s income is not sufficient to service the loan required, a family member (or anyone for that matter) can assist by paying some of the repayments on an ongoing basis. The person providing the equity or servicing support is not required to be on the title of the property being financed. Remember there is a grant and stamp duty incentives from the State Government for first home buyers too.

Do you have the most suitable loan for your circumstances?

Do you  have the best rate available?

If your interest rate is over 4.79% that you may be able to save thousands per year by changing loans and or banks. Citibank is currently offering customers 4.79% variable for loans over $500 000. So if you are interested in saving thousands per year call Mercia finance to see if we can show you how benefit from a better rate.

If you have any questions about Family Equity, Reverse Mortgages or any other type of loan, call Dan Goodridge on 04144 233 40. Our service is free of charge to you the borrower and we have access to all the major lenders in WA.

Mercia’s Mortgage Brokers

Where are Interest rates going?

Reading the business press and thinking of fixing your home or investment loan?

There are some great variable and fixed rates available.

4.74% variable with a non major bank. Including no application fee.

And 4.89% fixed for 3 years with a bank that allows on offset on a fixed rate loan.

If you are not sure if you have the best loan, we can help you look at your options and may be able to help you get a better rate.

Remember that Mercia finance brokers can assist you with car loans, home loans, Lo-Doc home loans for the self employed, construction loans and any other type of mortgage or loan. Our service is free of charge to you the borrower and we have access to all the major lenders in WA.

A Mercia Mortgage broker can give you advice and comparisons between all the major lenders.

All these services are provided by our friendly and professional mortgage brokers at no cost to you – so you have nothing to lose and everything to gain.

If you would like to speak to a broker, call Dan Goodridge on 0414 423 340 or e-mail dg@iinet.net.au .

Reading the business press and thinking of fixing your home or investment loan? You are not alone. Around 50% of new loans are set up as fixed.

There are some great variable and fixed rates available.

4.99% variable is now available with no monthly or annual fees. Check your current rate and see you much you could save in interest.

And 4.89% fixed for 2 years with citibank. This includes a free 60 day rate lock. A historical low for fixed rates.

An experienced broker can explain the difference between fixed vs variable, and show you how you may be able to benefit from our market knowledge.

If you are not sure you have the best loan, we can help you look at your options and may be able to help you get a better rate by comparing all that’s available.

Remember that Mercia finance brokers can assist you with car loans, home loans, Lo-Doc home loans for the self employed, construction loans and any other type of mortgage or loan. Our service is free of charge to you the borrower and we have access to all the major lenders in WA.

A Mercia Mortgage broker can give you independent advice and comparisons between all the major lenders.

All these services are provided by our friendly and professional mortgage brokers at no cost to you – so you have nothing to lose and everything to gain.

If you would like to speak to a broker, call Dan Goodridge on 0414 423 340 or e-mail dg@iinet.net.au .