Albury Wodonga HOME LOANS | Property

Albury Wodonga HOME LOANS

Phone: +61 422 243 331

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25.01.2022 Another happy local customer!

25.01.2022 AWHL is a mobile lending service and by appointment are happy to travel to Bandiana, Baranduda, Barnawartha, Beechworth, Castle Creek, Chiltern, Culcairn, Henty, Holbrook, Howlong, Jindera, Kiewa, Killara, Leneva, Springhurst, Table Top, Tallangatta, Thurgoona, Walla Walla, Wangaratta and Anywhere in between. Please share to your friends in your town as AWHL believes in good old-fashioned face to face relationship banking and if you seek that service to your door please reach out for an appointment. Joel

25.01.2022 2021 its game on! The holidays are over and we are open ready to serve you. If your buying, building or refinancing this year? Get in touch.... 0422 243 331 [email protected] www.alburywodongahomeloans.com.au

24.01.2022 Congratulations to my fellow Connective Members! I look forward to AWHL being part of these accolades in to the future!

24.01.2022 From Leneva to Table Top....... HAPPY FRIDAY!

22.01.2022 What are your goals in 2021? Where do you want to be on the 11th November 2021? Anything is achievable with a plan.... Let's get things started now. We have helped many clients pull things together over 3 month, 6 month and 9 month plans in 2020. In fact right now more of them are coming together than all year, in time for Christmas and a New Year. It feels great! Let's make 2021 your year to achieve the goal! 0422243331 [email protected] www.alburywodongahomeloans.com.au

22.01.2022 Nice to finally shut the laptop, after submitting my last deal for my very valued clients! It's been a long and interesting first year for AWHL but all things considered, I have met many wonderful people and started some enduring client relationships. Just want to thank all my amazing clients and wish you all a Safe, Enjoyable and Merry Christmas! Especially thinking of those having their first Christmas in their new or own home achieved in 2020!... Thanks also to my amazing little family, my extended family, friends and associates who have helped me get this off the ground this year and have supported me in so many different ways! Cannot wait to catch up with you all again in the new year. Merry Christmas. Joel

22.01.2022 Personal Loan Rip Offs! I have reviewed two Personal Loans this week for vehicles and the rates were 15.99% and 15.50%. One client saved 2 years and $13000 in interest by refinancing.... Don't get ripped off! Don't pay for something you don't understand! With a range of advertised rates starting from 3.60%-6.99% Let's get more of YOUR HARD EARNED back IN YOUR POCKET with a CONSOLIDATION! Joel Franks is an ASIC registered Credit Representative #521619 of CONNECTIVE credit services Australia pty Ltd ACL #389328 Our privacy policy is available at www.alburywodongahomeloans.com.au

22.01.2022 Got Investment Property Debt? Want 2 years fixed at 2.54%*? Call 0422243331... *Advertised rate T&C apply

22.01.2022 GOOGLE Business Listing Now Live! WE ARE OPEN FOR BUSINESS.............. LOCAL BRAND WITH AUSTRALIA WIDE AVAILABILITY ONLINE.... Engage a trusted adviser as your Money Coach today.

21.01.2022 So I am that guy that rings you back everytime if I don't answer first call. So I am that guy who goes as hard as you do to get your finance. So I am that guy who is more likely to contact you between 5 and 9, not 9 and 5.... So..so..so.. why are you still putting up with the months of waiting to hear about your enquiry, and putting up with poor service????? Stop choosing lack of delivery...... Choose Albury Wodonga Home Loans, we put you first!!!!! #morefrankslessbanks

20.01.2022 The Borders newest Mortgage Broking service Call 0422243331 www.alburywodongahomeloans.com.au

20.01.2022 1.99% advertised fixed Home Loan rates now available, after Tuesdays RBA rate cut. Have you got the best deal? T&C apply, privacy policy available at;... www.alburywodongahomeloans.com.au

20.01.2022 Tailored service, consistent communication, understanding, responsiveness and respect. I care. I help.... You matter. www.alburywodongahomeloans.com.au

20.01.2022 Low Rates YES but Comparison Rates can help you say NO...... There is a lot of commentary and social media posts/publishing encouraging you to check your Home Loan rate, now we are in a 2-3% record low market. When Home Loan interest rates are advertised compliantly, an advertised rate will also include a Comparison Rate, to help you to make a more informed decision, when comparing the different products on offer from that institution, and of course when comparing products fr...om different financial institutions. There are still further variables to consider to find the best deal tailored to your overall objectives, but the Comparison Rates is one indicator that can start to help you compare pricing. The great thing about engaging a Trusted Adviser such as Albury Wodonga Home Loans is that in finding the best deal for you. Based on your overall Goals & Objectives. We place your Best Interest at the centre of what we do, and we do this COMPARISON work for you! With over 60 banks and lenders to compare, we pull the market apart and present you the 3 deals most suited to your individual requirements. Including the best prices and rates. We explain and justify all the reasons as to why we have presented these and guide you to an informed decision. YES please check your home loan interest rate but once you know what your paying? PLEASE contact AWHL to do the Comparison work for you, and try and maximise your Savings on the COST of your home loan funds. Even just hit MESSENGER below if you want to share your current loan amount and rate, AWHL can get a comparison started TODAY. Joel Franks T/A Albury Wodonga Home Loans is an ASIC registered Credit Representative #521619 of CONNECTIVE Credit Services Pty Ltd ACL 389328 Our Privacy Policy is available at www.alburywodongahomeloans.com.au

20.01.2022 Stop assuming and actually understand your banking. DO YOU HAVE THE BEST DEAL? When you place your home loan, car loan, personal loan or insurance business through me. We take back control of you missing out on the best possible deal because of outdated factors like loyalty! ... We take back control, we put more of your hard earned back into your pocket! Let me take the guess work away!

20.01.2022 "Egg On My Face" Hey guys I hope everyone is safe, well and not too cabin feverish? You've heard the old cliches about a mechanics own car and a gardeners own yard. Well as a Banker WOW didn't I pick the right time to start my own brokerage business!... You know what.... it was the perfect time, this business is all about HELP. I haven't fielded a call for a fortnight about a loan, but daily I am having people reach out because of uncertainty. Uncertainty with banking, business and with this current version of life we are in, and I understand unfortunately finance is still part of our considerations. Carry pride in your approach to everything right now BUT if you need to talk or your not sure where to turn with your banking, business, lending or any other options and you think I can assist? Please call 0422243331 God Bless!

19.01.2022 If these photos don't make you angry and motivated to make real change! What will? Why give your Big 4 Bank $13500 of your hard earned income? Why give them 2 years of your precious time?... Why give them a third of your salary for a whole year for NO REASON? Why? Because; * I have always banked with them. * They are nice people. * I am loyal. * Its just easy. * I have everything with them. * They have always looked after me. REALLY? "Compare the pear" Same $27000 Unsecured Personal Loan in the photos below. Same customer. Same circumstances. Top photo is the Loan Contract on the refinance I just completed for my awesome, valued, important client. Total interest and fees payable over 5 years less than $5000 in total. Completed with their Best Interest at heart. Bottom photo their old big bank Loan Contract which is over 7 years, the interest rate is 9.10% HIGHER and the total interest and fees payable is MORE than $13000 more than their new contract. The only way the Bank can do this is because you support them, for the reasons listed above. If I hadn't saved this client! They would of given their whole salary they earn in 4 months to this other bank. They will be in the same position 2 years sooner and hang on to $13500. #morefrankslessbanks PLEASE share to anyone getting ripped off! PLEASE hit MESSENGER or call 0422243331

19.01.2022 3.60% Car Finance advertised rate on loans up to $80000. Call Joel 0422243331

19.01.2022 All Brokers are required to move to BEST INTEREST DUTY on the 1st January 2021. This sets Broker service and offerings, well above any individual bank or financial institution in Australia, when you're seeking finance. Brokers that truly deliver on BEST INTEREST DUTY will rise well above those Brokers that don't make the change.... For Albury Wodonga Home Loans this isn't much of a change, because I have built my business on my customers best interest, but its just great to know that customers can demand this level of service, in seeking finance, industry wide. There is no substitute for a great Broker from 2021! www.alburywodongahomeloans.com.au

18.01.2022 JOBKEEPER PAYMENT The following link might be important to you, to gain some insight into the Federal Governments JobKeeper Payment, as an EMPLOYEE. Treasury fact sheet in the below link; https://treasury.gov.au//Fact_sheet_Info_for_Employees_1.p

18.01.2022 RESIDENTIAL RATES ON BUSINESS PURPOSE LOANS Borrow up to $500,000 against residential property on rates starting from 2.84% to: * Refinance business loans... * Buy Plant & Equipment * Purchase a business Includes Interest Only For further information call Joel on 0422243331 or start the conversation through Private Message. T&C apply. Privacy Policy is available at www.alburywodongahomeloans.com.au

17.01.2022 PERSONAL LOANS We will consider Personal Loans for most worthwhile purposes and also for multiple purposes including: Auto purchases*... Auto repairs Debt consolidation Home improvements* Household furnishings Travel/Holiday Boat purchases (Unsecured only) Caravans Weddings Medical/Dental* Education See more

17.01.2022 Budgets & Bank Statements 17 years I have been involved with lending money for houses and an incredible amount has changed. These days it starts with your Spending & Expenses.... Verified to a Bank Statement and identifying your Budget. The most important part of an application these days is substantiation of where your Income goes, over a minimum period of 3 months. You will be asked for 3 months bank statements on most facilities everytime you apply. Which accounts you ask? All of them.........accounts, cards, loans the lot. If you don't provide a statement on a card or loan, we can see it on your Credit Report. If you pay rent or a mortgage and spend the rest then chances are you already have enough financial commitment in the eyes of financiers. However if you also make extra repayments on loans, regularly save, run a standard budget pay cheque to pay cheque, and the only other things you splurge on are easily identifiable as "one off" spends, then you're a chance? At AWHL we run a coaching service called BUDGETFIX which helps you prepare yourself for applying for a home loan, its a minimum 3 month programme in which we independently pull your scenario apart now. Including a budget review and bank statements review. We prepare you for taking the next steps towards your first or next property. Don't do it on your own........ Whether it takes 3 months or 12 months we can get you there with a dedicated coaching service. Hit Messenger and express your interest today.

17.01.2022 "Budgets, Super, Insurance & COVID19" Part of my complete service here at AWHL involves a Money Coaching service including household Budget reviews. An overall customer best interest approach, with a constant focus on Growing & Protecting my clients financial position in the short, mid and long term. This current Covid19 pandemic is highlighting 3 key concerns in terms of what I believe in;...Continue reading

17.01.2022 Climb as high as you can dream.............

17.01.2022 Listen! Whilst the business has a brand and a title. Your dealing with me, Franksy! The doors always open........ I grew up in Young, my family live in Grenfell, Orange, Forbes and the ACT.... I was in Wagga for a decade. I live in Albury-Wodonga. Same bloke you have always known, whether I was running a pub, pouring your beers, counting your deposit as your bank manager, or strapping your horse. Same approachable bloke. No fuss, no nonsense, no judgement just here to help. I keep getting little messages from school mates, ex-colleagues, uni mates, old friends, family. Asking can I deal with you? What do you lend on? Door is always open. Always just here to listen and help. Nothings changed I just have my own business. Ring me anytime even just for a catch up on 0422243331, I still have as much time for you as I always have, still the same bloke, same mate, same operator. Love to here from you, love to help you!

16.01.2022 YES YES YES! Important I share these 3 quick insights about Albury Wodonga Home Loans heading in to Stage 3 restrictions. 1. YES - we can service clients anywhere in NSW or VICTORIA at our discretion through remote servicing. Most of our loans written in 2020 have been completed without face to face contact.... 2. YES - we are available to take your enquiries 7 days a week at a time convenient to yourself. If you want to put the kids to bed and put the phone on speaker, to do an evening appointment, because thats what works for you, then great! We are here to service you! 3. YES - we do Car Finance and all Insurances. In fact as a Finance Brokerage we are here to discuss any banking or lending needs, if the advice is beyond our services, we have specialists that can help! Keeping our brand local, but we are more than just Albury Wodonga and we are more than just Home Loans.

16.01.2022 Thank you Joel Franks on helping us purchase our new home. Having you in our corner was the best decision we made, the way you went above and beyond what we thought was a fair effort blew us away. Thanks again mate. Craig and Kim

16.01.2022 Just financed this beauty! Congratulations to my awesome clients. Enjoy!

16.01.2022 Victorian First Home Buyers who want to buy land and build a house. Your closer than you think to achieving home ownership! With $45,000 available in potential grants, please don't be shy, hit messenger, start the conversation and find out how close you are! We are approachable, honest, responsible and caring. We want to help you understand and be educated in your options.... A chat costs nothing............

16.01.2022 Car Loans Personal Loans Consolidation Loans... Equipment Finance for Business or Pleasure Home Loans Great Deals Great Customer Service

15.01.2022 We don't just write Home Loans! We finance equipment - cars, bikes, trucks, floats, boats, caravans, excavators, buses . Like this absolute beauty we just financed!... Enjoy guys - sweet ride

15.01.2022 Motor homes Caravans Camper Trailers Horse Floats Boats... Personal Watercraft (like the one in the photo) Now financing! Call Joel on 0422343331 or you can email [email protected] Contact us using the Messenger button down below if you want to get ready for an adventure after COVID19 with a new recreational vehicle.

15.01.2022 Major changes to Home Loan policy coming January - March 2021. What does it all mean? Avoid the rush get yourself in to the market now in 2020. A 90 day pre-approval has you ready to go through October, November, December.... Call Joel on 0422243331 or email [email protected] www.alburywodongahomeloans.com.au

14.01.2022 Do You Need Finance? Do Your Purchasing Clients Need Finance? We Are Open For Business!

14.01.2022 Three of our strengths; 1. Available to service you at the time that suits you, including evenings and weekends. Banks are only open when your at work. 2. Access to over 60 lenders so we can find the product and the policy that supports your specific needs. A Bank brand only has one set of products and policies. What if they don't suit you?... 3. Very sharp and responsive in our communication whether that be phone, email or Messenger. We hear every day about other lenders taking days, weeks and even months to respond and get your work done! That is why our customers love the AWHL personalised, caring and dedicated service! Available when you are, bringing you many options for a successful outcome that suit and treating you with the ultimate respect in our service and communication. Give us a go! #morefrankslessbanks www.alburywodongahomeloans.com.au

13.01.2022 851+ Credit Score? 4.85% Personal Loan may be available to you (including debt consolidation)

13.01.2022 Time to update your vehicle? 3.60% advertised rates on Car Loans on vehicles aged 5 years or less. T&C apply.

13.01.2022 Rubbish BIG 4 Bank Service I attended a local branch of a Big 4 Bank yesterday. There were zero customers in the customer space. I counted six staff members.... Served straight away, but took a 20 minute wait to be told that my very simple matter couldn't be resolved. The service was rubbish, I have ALL my business with them, the value I felt towards me was zero! They don't care! All I wanted to do was activate a replacement card. The online facility wouldn't work, thirty minutes on the online chat until they disconnected because I threatened to complain, the 1300 number was disconnected LOL........so I thought some good old fashioned face to face service will resolve this. NOPE. Drove 10 minutes to another branch of the same brand. In and out in 2 minutes for the same matter. WTF? National Brands that still can't get their s#t together from branch to branch, why do we bother? If you want real care and understanding from a highly experienced BANKER where I get the outcomes you want? Contact me today as there are more than 50 other places we can conduct your banking and lending, all the while I am your front man, I serve you, and am PROUD to serve you!

12.01.2022 ISOLATED? BORED? How about we get your lending and banking review done? Tax time is only 3 months away! What's your goals & objectives in the new financial year? How will you capitalise on this low interest rate environment? Email me your scenario or questions to;... [email protected] Call me for a 30 minute obligation free chat on 0422243331 Or send me a message below

12.01.2022 Hard to find blocks this size! Great opportunity in Wagga Wagga.............

11.01.2022 Happy Monday! Great news the website is up...... https://alburywodongahomeloans.com.au/ With loads of info and tools to assist you understand our LOCAL Brand!

11.01.2022 Sadly I am coming across borrowers particularly first home owners, whose lender isn't talking to them about ALL their correct entitlements. Exhibit A - First Home Owners paying over $10,000 Lenders Mortgage Insurance on a Construction Loan when they don't have to with the correct lender?????? There is a First Home Loan Deposit Scheme for first home owners building, with minimum 5% deposit you can borrow 95% and pay No LMI.... Brokers will act in your BEST INTEREST and find all your entitlements.

10.01.2022 Understand a bit more about our mission and our journey...........

10.01.2022 At Albury Wodonga Home Loans we don't just do Home Loans. We finance sweet rides like this BEAUTY! Congrats Guys! With Car Loans from 3.60% it's a brilliant time to upgrade! Call now 0422243331

10.01.2022 Wodonga Property Listings FIRST HOME BUYERS take note! Playing around on REAL ESTATE websites today I found a quality list of homes priced in the $220K to $280K range, which is refreshing to see. Now breaking the rental market and buying your first home in Victoria is a simple formula.... 7% minimum deposit and some money to pay costs. Biggest benefit as a FHO you shouldn't have to pay Stamp Duty. So if your a First Home Buyer with $17000 - $21000 saved, or even if it's available to you as a deposit but not saved, and your renting. I may have options for you to buy your first home. Home Loan repayments estimated in that range are $210-$270 per week. So how does that compare to your rent? T&C and Lending Criteria apply but if your close to achieving a scenario like this, please message me below. Joel Frank's t/as Albury Wodonga Home Loans is an ASIC registered and licensed Credit Representative #521619 of CONNECTIVE Credit Services Pty Ltd ACL #389328

09.01.2022 Paramedics, Police Officers, Fire Fighters, Defence Personnel, Nurses and Health Professionals. Not only do you have access to applying for loans, through your chosen professions dedicated financiers, and Credit Unions. Such as Australian Military Bank or Firefighters Credit Union, with us right here on the border! You also have access to a major Australian lender, with a 'common sense' lending policy that acknowledges your entire earnings year to date. Not some complicated... formula that tries to reduce your eligible income from what you really earn. Want to know more? We are here to support our essential services. Call Joel on 0422243331. T&C and eligible lending criteria apply. AWHL is a licensed credit representative of CONNECTIVE Credit Services Pty Ltd. Details and privacy policy available at www.alburywodongahomeloans.com.au

09.01.2022 "You can take the Bankers out of the Country but you can't take the Country out of the Banker!" Henty today! Gerogery last week!... I love servicing Albury Wodonga and surrounds. Serving rural and regional customers the way the way they expect! Merry Christmas everyone!

09.01.2022 AWHL - Continuity During COVID19 Via SKYPE, FACEBOOK and of course over the phone, I can still assist you during the time of isolation or distancing, imposed through the COVID19 pandemic. As a licensed credit representative of Connective Credit Services Pty Ltd, with access to over 60 Financiers, many of these finance companies are working extremely hard to allow variation to our customer processes, to support non face-to-face meetings, and service continuation during this ch...allenging time. If your stuck for finance or can't get an outcome during this time? Please reach out! AWHL will endeavour to work to an alternative to service you in a healthy, safe and responsible manner where possible. If your isolated and bored, what a great time for a budget or banking review, or even a loan pre-approval, all over the phone? Shops are closed, mobile services aren't running BUT small business ROLLS ON :) Joel Franks is an ASIC Licensed Credit Representative #521619 of Connective Credit Services Pty Ltd #389328 Our Privacy Policy is available at www.alburywodongahomeloans.com.au

09.01.2022 WOW what a Car Loan Rate? From 3.60% Includes refinances!! I have a reputable financier that has just put up a Car Finance offer from 3.60% on car purchases under 5 years old and refinances of Car Finance on cars under 5 years old! WOW!... Maximum loan $40000 comparison rate 4.51% If you want to buy a new car or you got a poor deal on your recent car purchase JUMP ON THIS!

09.01.2022 Have financial goals you want to achieve by Christmas? Have things you want to achieve in 2021? Let's start bringing these to life and paving the way towards your goals.... Call Joel 0422243331 or hit MESSENGER

09.01.2022 Sorry, but it may be, that October is it! It's early October and already this year the signs are there, that we are in for some challenges getting properties settled by Christmas for home loan approvals gained beyond the start of November. The closer we get to Mid-November, the tougher it will become. In fact it will likely be 2021 you are handed the keys.... Don't leave it too late if you want an outcome by Christmas on purchasing a property. Settlement bookings are now being scheduled in the last two weeks of November in many cases. It is just a fact at present, that well priced and affordable properties are selling straight away in Albury Wodonga. Most banks have more applications in their processing queues, than they have for a long time. The longest timeframes I have seen is 7 weeks in one instance but we have much faster options. Pre-approval is the key, its puts you ahead of interested buyers who haven't got finance ready, especially for the remainder of 2020 because unfortunately the reality is we are running out of time. If you have property goals this year, then October is all about getting approved. If I can help you with property ownership this year then please hit Messenger below or email me at [email protected]

09.01.2022 COVID19......LOCKDOWN.....ISOLATION We all are missing doing something right now An important part of our own world... Talk about it Share what you are missing Keep talking Keep sharing The purpose of this post is me sharing what I am missing, BUT I know will be part of my world again soon. Just a simple afternoon at the races, out with a couple of mates, a cold beer, a laugh, a chat! In these very uncertain times, its important to send messages of hope, and this is mine..... 0422243331 - keep talking and keep sharing Franksy

08.01.2022 Whats generally the biggest fee on a home loan? If you guessed Lenders Mortgage Insurance you are correct. Three new advertised campaigns out;... 10% deposit no LMI payable 15% deposit & a First Home Owner LMI is $1 5% deposit, building and a First Home Owner with a FHLDS backed loan. No LMI payable There is also an institution offering 10% deposit to be non-genuine savings for renters and on construction with an FHLDS you don't have to prove genuine savings or pay LMI. The 10% can include the FHOG applicable to your state. If you want to find out where you stand please call me on 0422243331 or email [email protected] or hit Messenger T&C and privacy policy available at our website

07.01.2022 Please be aware of this hoax SMS and if you need further help visit Stay Smart Online.

07.01.2022 Why me? As some of you know I dedicated nearly 20 years working for the Big 4 Banks! Tell me this?... How can a 15 year loyal Big 4 Bank customer ring me in tears because they are trying to remain loyal, trying to give this multi billion dollar organisation more business and not only will the Big 4 Bank not call them back but it takes me to start ringing, emailing, Facebook messenging bankers inside the institution to shake them in to action and get the job done! It is pathetic and there are sooooo many other options. The only reason they stay strong is because no matter how bad they treat you, you persist with them. I received the most beautiful customer testimony today from this client because someone came along "me" and kicked the big giant in the nuts and screamed for a call to action. My name is Joel Franks, I am the best thing two of Australia's largest organisations had going for them, and if you want to deal with me. You can! My phone number is 0422243331. #morefrankslessbanks

07.01.2022 What Are Deposit Guarantees? I have taken 3 general enquiries this week in my immediate network, in which 10% deposits were being requested as payable on property contracts, before clients were able to access the funds to pay them. Either due to their banks Term Deposit conditions not allowing release of funds on time, or First Home Owner Grants payable into the future, in these examples.... Deposit Guarantees or Deposit Bonds can be used in these examples in place of a cash deposit and allows contracts to be signed, with a guarantee of deposit payment after signing. **Providers fees, terms and conditions of course apply, but it's an appropriate option, in these circumstances, and may present, based on your individual circumstances, as your only option to satisfy contract requirements before accessing your funds. At AWHL we make sure that your best interest is at the heart of everything we do, and all your options, queries and concerns are explored. Including the little things like options for paying your deposit Joel is approachable, trusted and brings almost 20 years experience to your service. Just as these contacts have, if you need help or just have questions please call! AWHL is a credit representative of CONNECTIVE Credit Services Pty Ltd ACL 389328 and are accredited providers of Deposit Guarantees** Our Privacy Policy is available on our website at www.alburywodongahomeloans.com.au

07.01.2022 Car Finance up to $80,000 with advertised rates from 3.60%

06.01.2022 Home Loan interest rate doesn't start with a 2? Hit 'send message' below and lets start exploring some better deals!

05.01.2022 Saturday Appointments Sunday Appointments No bank does that.......... 0422243331 #morefrankslessbanks

04.01.2022 BIG BANK FACES FACTS Very timely article after my post "FRANKSY FACES FACTS!" yesterday. The RBA or Reserve Bank Of Australia left interest rates on hold yesterday at a record low of 0.25%. However this article highlights how competitive the home loan market is right now and MOST IMPORTANTLY what banks can actually do with pricing, IF THEY CHOOSE TO!... Why were they holding that 0.28% up their sleeve? If they could further reduce customers rates during the pandemic when Australians need relief the most? Because they are losing home loan customers in a red hot refinance market, where even the RBA is encouraging all customers to shop for a cheaper mortgage. Not just FRANKSY banging on about it......... Dropping their Basic Variable product to 2.78% was just a response to get closer to another B4 Banks 2.72%. (I used that rate in yesterday's post as an example of savings against your current rate) They didn't drop the rate because of you. Their business needs were the reason for the change. TRUST? CUSTOMER BEST INTEREST? C'mon let's ditch loyalty and just get you the best deal in the market AND put more of YOUR HARD EARNED BACK IN YOUR POCKET! Ring your bank today and tell them to drop your rate under 2.80% or your leaving, and if they say those rates are only for NEW CUSTOMERS then say GOODBYE.

04.01.2022 A.C.T. investors please note

04.01.2022 "I REMEMBER YOU" I have had this comment a number of times this past two months and yes it is me Joel Franks. 'Franks In Banks' 'Franksy' 'The Bank Manager' For the past two decades across both Wagga and Albury Wodonga, I have worked for two of Australia's largest banks, and have assisted hundreds of Riverina locals towards achieving their financial goals, and most of all been there with you and your families through all circumstances.... Among other things been described as friendly, knockabout, country lad, understanding, knowledgeable, caring, real and a bloke that "where's his heart on his sleeve." I am a husband, father, love a beer, love footy, love my country lifestyle and my hobbies. Just as you do! PLEASE jump on my website and read my BIO and understand my passion for helping and serving. www.alburywodongahomeloans.com.au I can access most banks and financial institutions for your next loan or financial decision, I can give you the most competitive offering, and a better experience than your current bank. Being a Broker and a Money Coach now I am responsible, trustworthy, reliable and hold your best interests at the core of everything I do. C'mon let's "Pave The Way" to your financial goals.

04.01.2022 Switched some clients over this week after comparison quotes and saved them $98 a month across their policies. Please let me know if you want to compare?

03.01.2022 3.60% advertised Car Finance available. Call 0422243331 or email [email protected]

03.01.2022 Winding down another busy week at AWHL and I just wanted to shout out a BIG THANK YOU to all my clients that have let me join their journey towards their GOALS, in this past 4 months. From getting a budget in place, to buying cars, financing homes, to planning for your kids futures. I am so grateful and appreciative to share the journey with each and every one of you. For those clients who have referred family and friends to me, I am forever grateful. I also want to take this moment, to thank everybody for your amazing support, calls, words, thoughts, prayers and even home cooked meals - that you have shared with me since the commencement of my wife's illness battle in April. From the bottom of my heart thank you! Onwards and Upwards as we pave the way!

02.01.2022 Making a difference to families through honesty, help and your best interests.....

01.01.2022 Three times this week my pre-approved clients have said to local Real Estate Agents, with newly listed properties....... "I am pre-approved through Albury Wodonga Home Loans" The rest is history..............

01.01.2022 More happy customers and a great start to 2021! Thanks for the opportunity to be part of this!