Achievement Finance in Subiaco, Western Australia | Financial service

Achievement Finance

Locality: Subiaco, Western Australia

Phone: +61 423 058 063

Address: Level 1 B9, 431 Roberts Road 6008 Subiaco, WA, Australia

Website: http://www.achievementfinance.com.au/

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25.01.2022 ** RBA Rate Announcement ** The Reserve Bank of Australia has today kept the cash rate at 0.25% for the 7th straight meeting in a row. The RBA was widely predicted to reduce the rate further in October or November, although with the Federal Budget due today, the majority favoured a Melbourne Cup rate cut in November. It has previously stated that it sees a cash rate of .25% as a floor but may need to consider the merits of a further reduction against other stimulus options,... if signs of a recovery fail to emerge. Rates are at a record low and lenders continue to offer very competitive rates. We can answer your questions and look at your circumstances to make sure you're prepared for what could be coming next. This could mean refinancing or approaching your lender for a better rate. Because we do this type of work every day, we have a pretty good idea what lenders can do to win or keep your business. We're here to help if you have any questions. Please don't hesitate to give us a call. Achievement Finance

25.01.2022 **RBA Rate Cut Announcement** The cash rate decision for March has been announced by the RBA with a rate cut. The RBA has reduced the cash rate to a new record low of 0.50% in response to the economic threat posed by the coronavirus outbreak and bush fire crisis. ... Whilst the Reserve Bank would have been encouraged by recent economic data confirming continued house price increases and business investment, the dangers to the economy posed by the virus and fires and fears of a recession left the RBA with little option but to reduce rates. Here is a table showing how Australia's average mortgage sizes may be affected: Loan amount examples & likely decrease in repayments $150,000 $21.45 per month $250,000 $35.75 per month $350,000 $50.05 per month $450,000 $64.35 per month $550,000 $78.65 per month $650,000 $92.95 per month Lenders continue to review rates independently of the RBA with some already making reductions in anticipation of the RBA decision. It is therefore important to review your lending options regularly to ensure they remain the most suitable for your situation. There may be different rates available from our wide panel of lenders and I'm always available to ensure you have the right financial solution for your current and future circumstances. If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch. Achievement Finance

24.01.2022 With the uncertainty of the federal election behind it, the RBA has decided to reduce the official cash rate to 1.25% as it tries to stimulate household spending and the economy. This is the first rate move since August 2016. In making this decision the RBA has taken into account inflation being below its target range of 2-3%, continued pressure on house prices, evidence of rising levels of mortgage stress, a borrowing squeeze in response to the Banking Royal Commission, slo...w wages growth and continued concerns around the level of under employment. Lenders continue to review rates independently of the RBA with some already making reductions in anticipation of the RBA decision. It is therefore important to review your lending options regularly to ensure they remain the most suitable for your situation. There may be different rates available from our wide panel of lenders and we are always available to ensure you have the right financial solution for your current and future circumstances. If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch with us!

24.01.2022 If you have been thinking about building a new home or carrying out an extension or renovation, now might be the time to meet with us and work through your options. The Federal Government's new $680 million HomeBuilder program announced on 4 June 2020 makes available $25,000 grants to help build or substantially renovate your home. On top of this, the West Australian Government unveiled a $117 million Building Bonus scheme to provide homebuyers who build new houses with a $...20,000 grant. If you're a first home buyer, there are a range of first home buyer and state government grants, stamp duty concessions and rebates as well as the federal First Home Loan Deposit Scheme and First Home Super Saver Scheme that are available and work in conjunction with both the HomeBuilder and Building Bonus packages. If you would like to discuss how you could take advantage of these programs, either for an extension or renovation on your existing home or to build a new home, please feel free to get in contact with us.

24.01.2022 ***RBA EMERGENCY RATE REDUCTION*** Today, the RBA announced an out-of-cycle emergency rate cut to help the Australian economy withstand the impact of COVID-19. The RBA has reduced the cash rate to a new record low of 0.25%. ... If the COVID-19 crisis is affecting your financial situation, please get in touch so we can formulate a plan to manage your loan repayments during these unprecedented times. The good news is that today's rate cut will hopefully lead to repayment decreases as outlined below across Australia's average mortgage sizes: As you're probably aware, lenders review rates independently of the RBA and some may decide to pass this rate cut on to customers at different levels over varying time frames. I can help you secure the right deal for your circumstances from a wide panel of lenders offering home loans with great features, low fees and competitive interest rates. If you'd like to chat about the best way to manage your mortgage as the COVID-19 crisis continues to unfold, please don't hesitate to give me a call. Achievement Finance

23.01.2022 The RBA has met for the final time in 2020 and has decided to leave the cash rate unchanged. After reducing the rate three times during the year, including to a record low of .10% last month, the RBA opted to wait until its next meeting in February to further assess the impact of these reductions and its quantitative easing program. In the lead up the next meeting, the central bank will continue to monitor the COVID-19 pandemic, the opening of state borders, our exchange rate and its impact on export competitiveness and the looming reduction to government support packages.

23.01.2022 INTEREST RATE UPDATE The RBA has decided to leave the official cash rate unchanged at 1.5% for the 26th consecutive month! In making this decision the RBA looks to have balanced low unemployment, strong trade figures and increasing business and public sector infrastructure investment against continued low inflation, falling house prices and slow wages growth.... Out of cycle rate increases by many lenders has also taken some of the pressure off the RBA to lift rates. With lenders increasing rates independently of the RBA, it is important to review your lending options regularly to ensure they remain the most suitable for your situation. There may be different rates available from our wide panel of lenders and we are always available to ensure you have the right financial solution for your current and future circumstances!

22.01.2022 Without mortgage brokers, finding a home loan will be harder and could become more expensive. Sign our online petition at brokerbehindyou.com.au and keep competition alive. #brokerbehindyou

22.01.2022 Today the RBA met for the first time in 2021 and have decided to leave the cash rate unchanged at 0.10%. Our central bank has been encouraged by better than expected unemployment and CPI numbers. In the coming months it will be keeping a close eye on rising house prices, lending growth, the continued impact of COVID-19 on our major trading partners, the Australian dollar and its effect on exporters and the looming reduction to government support package. Rates are at a record... low and lenders continue to offer very competitive rates. We can answer your questions and look at your circumstances to make sure you're prepared for what’s to come. This could mean refinancing or approaching your lender for a better rate. Because we do this type of work every day, we have a good idea about what lenders can do to win or keep your business. We're here to help if you have any questions. Please don't hesitate to give us a call.

21.01.2022 Great article in Saturday's The Weekend West on the importance of mortgage brokers! Did you know mortgage brokers are responsible for arranging more than half of all home loans in Australia each year? Better yet, of those who use a mortgage broker, over 90% are happy with their mortgage brokers performance!... If you'd like to find out more about how we can help you with your finances, get in touch with me today on 0402 126 474 or [email protected]

21.01.2022 ANZs variable mortgage rate rise is higher than CBA and Westpac. What are your thoughts on the rate rises? #ANZ #mortgagerated

20.01.2022 The RBA today confirmed the official cash rate will remain at 0.1% for the foreseeable future. Rates remain at a record low and lenders continue to offer very competitive rates. We're here to help if you have any questions about the rate and what it means for your current financial situation. Please don't hesitate to give us a call.

20.01.2022 Our thoughts and prayers are with those who have been affected by the bushfires. To our clients whose homes have been impacted in any way, please reach out and we can assist with the process of contacting the bank on your behalf. Stay safe everyone.

19.01.2022 The RBA decided to once again leave the official cash rate unchanged at 1.5%. The move to leave the cash rate on hold, rather than decrease rates, has been debated by some of Australia's leading economists, with many Australians recently subjected to "out of cycle" rate increases. The term "out of cycle" referring in to lenders increasing rates independently of the Reserve Bank - activity we saw just last week with a large number of Australia's lenders raising their rates and... others tipped to follow suit. With a large number of Australian lenders increasing rates out of cycle recently it is important to review your lending options regularly to ensure they remain the most suitable for your situation. If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch with me - [email protected] or 0402 126 474

19.01.2022 A new study shows 39% of Australians struggle to make good financial decisions because they have difficulty understanding the range of options available. That's where Achievement Finance comes in! Mortgage brokers play a crucial role in this area by giving Australians more information on the finance options available to them, as well as helping and keeping them updated every step of the way. Know a friend who needs some help with their finances? Tag them in this post!

19.01.2022 INTEREST RATE UPDATE The RBA decided to once again leave the official cash rate unchanged at 1.5% with the last rate move back in August 2016. With a combination of retail deflation (i.e. the price of retail goods falling) and continued weak wages growth still impacting economic growth, the Reserve Bank have signalled that we can expect to see rates where they are for the time being! ... However, they have indicated that they expect the next rate move to be an increase and have expressed their concerns about the potential shock that this may cause the economy.

19.01.2022 Good old fashioned warm your heart marketing from Macquarie Bank! For all the dog lovers, a disclaimer was also included to confirm no dogs were hurt during the making of the advertisement! Thanks for the laugh Nathan.

19.01.2022 ** $25,000 Home Builder Grant Extension ** The Commissioner has exercised discretion to extend the original 3 month commencement date time frame from signing building contracts by an additional further three months due to the high level of activity in the construction industry and the difficulties in obtaining materials and subcontracted labour. Therefore, construction can now commence within six months of the contract date. ... This announcement is warmly welcomed following the recent WA $20,000 Building Bonus and is sure to relieve a lot of pressure and stress for anyone currently in the midst of finalising their building contracts. Reminder, you will still need to have your building contracts signed before December 31st, with one major builder advising there is still time until the end of this month to get it sorted! https://www.wa.gov.au//apply-the-australian-government-hom

18.01.2022 First home buyers now make up 25.8% of the total owner occupied housing market (excluding refinancing) The highest rate since December 2012! A low interest rate environment combined with fewer investors in competition with first home buyers indicates that there should be strong levels of domestic demand and continuing property market activity. If you're a potential first home buyer looking to get into the market but don't know where to start, then it's time to speak to us ...about your borrowing capacity and eligibility for your first home loan! Send us a Facebook message, or give Terry a call on 0423 058 063.

18.01.2022 Future interest rate rises are many homeowners primary concern, but have you ever considered other factors that could impact or increase your mortgage? Here are some other factors you may not have considered.

17.01.2022 RBA Rate Announcement The RBA has decided to leave the official cash rate unchanged at 0.75% as it assesses the impact of its June, July and October cuts. In making this decision not to drop rates again, the RBA will have considered strong evidence of an improving housing market, supported by rising house prices in most capital cities and particularly in Sydney and Melbourne. ... In making the decision to hold rates, the RBA will be keeping a close look on household consumption following lower than expected retails sales in September. The three previous rate reductions, along with tax cuts, have failed to restore inflation to within its target range of 2 - 3% pa. Lenders continue to review rates independently of the RBA with some making reductions. It is therefore important to review your lending options regularly to ensure they remain the most suitable for your situation. There may be different rates available from our wide panel of lenders and I'm always available to ensure you have the right financial solution for your current and future circumstances. If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch.

16.01.2022 Around half of all borrowers now choose a broker over a bank branch, and wed like to find out what kind of experience you had and how you may choose to secure a mortgage in the future. You may or may not be aware that there are legislative changes that are being considered which may impact the ways in which you are able to access finance in the future. We ask that you please contribute to ensure that your experiences are considered in the conversation.... The survey below is anonymous and none of your personal details will be used by any third parties whatsoever.

16.01.2022 Interesting article from The Adviser. Are you paying more for being a loyal customer to your bank? https://www.theadviser.com.au//39767-big-bank-ceos-deny-lo

15.01.2022 ** RBA Rate Cut Announcement ** As the country tunes in for the 2020 Melbourne Cup, the cash rate decision for November has been announced and rates have been cut. In response to the economic impact being caused by the COVID-19 crisis, the RBA reduced the cash rate by 0.15% to a new record low of 0.1%.... In making this change the RBA has confirmed the views of many analysts that further stimulus is required to aid Australia's recovery post Covid. It had previously stated that it sees a cash rate of 0.25% as a floor however it has softened its stance on a reduction more recently. Lenders review rates independently of the RBA and some may decide to pass this rate decrease on to customers at different levels over varying time frames. See the table showing how Australia's average mortgage sizes may be affected. We can help review your situation to ensure you have the right loan for your circumstances, drawing on a wide panel of lenders offering loans with great features, low fees and competitive interest rates.

14.01.2022 We all know that buying a home involves a big financial outlay, but few of us are aware of just how long the docket can run! Heres how you can prepare for the costs ahead.

14.01.2022 Wishing everybody a great WA Day long weekend. We are so lucky to live in such a beautiful state. : visitperth

13.01.2022 Congratulations to our wonderful Finance Manager Terry and his beautiful wife Esta on their wedding day Terry will be enjoying a well deserved honeymoon in New Zealand and will back in the office on the 14th May! Please get in touch with Lucy via email or phone if you have any queries in the meantime! ... [email protected] 0402 126 474

12.01.2022 RBA Rate Reduction. On Tuesday, for the 3rd time in five months, the Reserve Bank of Australia has decided to reduce the official cash rate to 0.75%, in a concentrated effort to boost the economy. In making the decision to lower rates again the RBA has strongly reinforced its focus on supporting employment growth and boosting household consumption to restore inflation to within its target range of 2 - 3% pa.... The RBA will also have been very conscious of the impact on Australia's exchange rate and the competitiveness of our exports had it not reduced rates in line with global trends. There is a range of new rates available from our wide panel of lenders and I'm always available to ensure you have the right financial solution for your current and future circumstances. If you'd like to have a chat about what this weeks news means for you and your finances, please don't hesitate to get in touch.

12.01.2022 "We are listening and acting differently. We need to rebuild the trust of our customers, and by holding our NAB Standard Variable Rate longer, we help our customers for longer." This is the statement from NAB which has announced it will continue to hold its Standard Variable Rate (SVR) for home loans at 5.24%.

11.01.2022 INTEREST RATE UPDATE The Reserve Bank of Australia decided to once again leave the official cash rate unchanged at 1.5% with the last rate move back in August 2016. With a combination of job growth slowing from last year's frenetic pace and stagnant wage growth, the Reserve Bank have signalled that we can expect to see rates remain where they are for now.... Many however, still expect the next rate move to be an increase with signs of improvement in the economy in the shape of strong internal trade results and improving GDP numbers. Rates remain constant now but it is important that you are prepared if the next rate is an increase! There may be different rates available from our wide panel of lenders and we are always available to ensure you have the right financial solution for your current & future circumstances.

11.01.2022 As widely expected, the Reserve Bank held rates at 0.10% at its board meeting yesterday. Since their June meeting there has been more positive economic information, including falling unemployment, despite the removal of job keeper, and an increase in business investment. The Bank will also be taking into account data that shows lending for investment property continues to gain pace.... Rates are at a record low and lenders continue to offer very competitive rates. We can answer your questions and look at your circumstances to make sure you're prepared for what could be coming next. This could mean refinancing or approaching your lender for a better rate. Because we do this type of work every day, we have a good idea what lenders can do to win or keep your business.

11.01.2022 The RBA decided to once again reduce the official cash rate, this time to 1% in a concentrated effort to boost household spending and the economy in general. In making the decision to lower rates again this month, the RBA has signalled its focus on supporting employment growth as it looks to restore inflation to within its target range and provide further stimulus to the economy. Interest rates are already at historic lows, and if lenders respond to the RBAs move by slashing their interest rates, there is an even more compelling case for you to review your lending options now.

11.01.2022 To everyone who has followed or liked the Achievement Finance Facebook page this year, we hope that 2017 has been a successful and prosperous year for you! Thank you for taking the time to interact with our posts and updates, we hope the information we provide has been helpful. As always should you need any financial help, please do not hesitate to get in touch with us! Heres to a happy and healthy 2018!... #HappyNewYear

10.01.2022 FYI to all Westpac customers - SMS Scam We recommend you check your inbox regularly when signing into your online banking as you will be kept up-to-date with new scams emerging. In fact, no matter who you bank with, whether it be the big 4 or the smaller banks, please always check new messages and alerts! Quite often there are scams going around from the 'banks' requesting you to 'click a link' or to verify your details via call or text. Please remember to NEVER provide ...sensitive information over the phone, via email or by clicking suspicious looking links. If you can't tell whether the request is legitimate or not, we recommend always contacting your bank directly first for advice. #westpac #big4banks #scamwatch #financebrokerperth

10.01.2022 The Reserve Bank of Australia has decided to leave the official cash rate unchanged at 1% as it awaits fresh economic data to allow it to assess the impact of its June and July cuts. In making this decision not to drop rates again the RBA will have considered some early evidence of an improving housing market following its previous cuts. It will also have considered the impact a reduction in rates would have on the Australian dollar and overseas competitiveness. In the lead u...p to its September meeting it will continue to monitor inflation, house prices, wages growth, household consumption and concerns around the unemployment level before making its next decision. Lenders continue to review rates independently of the RBA with some making reductions. It is therefore important to review your lending options regularly to ensure they remain the most suitable for your situation. If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch.

09.01.2022 To all of our clients, we hope you and your family are keeping safe. The past few days in lockdown have been difficult for many, especially for those who are unable to work. We know many of you will be concerned about the impact on your financial circumstances, so please know we are always here for you, should you need any help or guidance. Stay safe, Lucy and Terry

09.01.2022 Looking to dip your toes in the property market? Buying your first home is an exciting, but a big step to take and one that comes with many questions and decisions. The first big question is how much you can borrow and what your likely repayments will be. That’s where we can help, we’ll do the legwork for you. We compare home loans across a variety of products available from Australia’s leading lending institutions.... And because you’re a first home buyer, you may be eligible for a first home buyer grant. This grant may be available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 months of settlement. We will also liaise with the lender. It’s our job to do the hard work and you can focus on finding the right home for you. We’ll be there every step of the way to guide you through the entire home loan process from application to approval. If you'd like to find out more about how we can help you, get in touch with me today on 0423 058 063 or [email protected] or view the first home buyer FAQs on our website - https://www.achievementfinance.com.au//becoming-a-first-h/

08.01.2022 Thank you AFG for a fantastic evening celebrating and highlighting all the hard work and dedication of finance brokers. Im honoured to be one of the recipients of the Hall of Fame award - 16 years in the finance industry and still going strong. Congratulations to all of the other award winners! #brokerawards #AFG

07.01.2022 The Reserve Bank of Australia decided to once again leave the official cash rate unchanged at 1.5% with the last rate move back in August 2016! With wages growth remaining modest and concerns emerging around the impact retail deflation is having on the overall economy, interest rates are predicted to be steady for the majority of 2018. Even though rates are unchanged, our role as finance brokers remains the same. There may be different rates available from our lenders, so we are always on hand to ensure you have the right financial solution for your current circumstances, and are receiving the most suitable rate available to you.

07.01.2022 How will the rate hike impact Westpac customers? Westpac has become the first of the big four banks to hike out-of-cycle with the RBA. Take a look at how the rate hike may impact your repayments based on your loan size.

07.01.2022 Looks like there is some hope on the horizon for Perth property owners as plummeting home prices slow, with early signs the market is stabilising and may even see modest growth in 2018! We've started to see sales volumes pick up in Perth, which means there's more buyers coming into the market. Experts believe throughout 2018 we will see a slow improvement in the Perth housing market overall.

07.01.2022 ** Helping clients through COVID-19 ** As the world grapples with the unfolding COVID-19 situation, I wanted to let you know we are committed to helping our clients through what will likely be difficult and challenging times ahead. To help you navigate the COVID-19 situation we have pulled together some useful links and information.... Find out more here ---> https://www.achievementfinance.com.au/helping-clients-thro/ **Please share this link with any family or friends who may need assistance during this time**

06.01.2022 How much deposit do I need to buy my first home? Saving enough money for a home deposit is the holy grail for first home buyers. Do you need a full 20% deposit, or will lenders let you in the door with considerably less? Heres what you need to know!

06.01.2022 WA’s $20,000 Building Bonus grant extended! Under the current requirements a building contract must still be signed before 31/12/2020 however you will now have until 31/12/2021 to commence construction. For more info please visit: https://www.wa.gov.au//g/apply-new-home-construction-grant ... There are further indications of the $25,000 Federal Home Builder Grant to also be reviewed with Treasurer Josh Frydenberg hinting that the government’s Home Builder scheme may also be extended as they are continuing to reassess the program recognising it’s been an enormous success https://www.abc.net.au//wa-home-builder-grants-de/12785144

04.01.2022 The Reserve Bank of Australia (RBA) has delivered its final cash rate announcement for the year with the decision to leave the rate unchanged at 0.75%. In making the decision the RBA appears to be assessing the impact on the broader economy of the three previous cash rate reductions together with recent tax cuts, government spending on infrastructure and signs of improvement in the resources sector. The RBA will be keeping a close eye on household consumption and the GDP numbers being released later this week as it stays focused on the aim of restoring inflation to within its target range of 2 - 3 %.

03.01.2022 Like any other major life decision, buying a home requires careful planning in order to be successful, especially for first home buyers. Entering the market for the first time is a huge step for anyone, and it is important to be sure of your footing before you take the plunge. Here are some of the thing first homebuyers should do to help them on their journey towards homeownership.

01.01.2022 Should customers have a home loan offset account? Interesting article outlining a few ways you can reduce the interest you are paying on your home loan with an offset account. Questions about offset accounts and how they work? Send us a Facebook message or email [email protected]

01.01.2022 **RBA Announcement** The first cash rate decision for 2020 has been announced by the RBA with the rate unchanged at 0.75%, as it assesses the economic threat posed by the bushfire crisis and the coronavirus outbreak. The Reserve Bank will have been encouraged by positive employment, inflation and house price figures and will be hoping these threats do not undo these recent gains. ... Lenders continue to review rates independently of the RBA. It is therefore important to review your lending options regularly to ensure they remain the most suitable for your situation. There may be different rates available from our wide panel of lenders and I'm always available to ensure you have the right financial solution for your current and future circumstances. If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch. Achievement Finance

01.01.2022 The RBA has once again left the cash rate at 0.10%. Rates are at a record low and lenders continue to offer very competitive rates. We can answer your questions and look at your circumstances to make sure you're prepared for what could be coming next. ... This could mean refinancing or approaching your lender for a better rate. Because we do this type of work every day, we know what lenders will do to win or keep your business. As always, we are here to help if you have any questions. Please don't hesitate to give us a call or send us a message on Facebook.