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Arc-X Finance in Perth, Western Australia | Loan service



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Arc-X Finance

Locality: Perth, Western Australia

Phone: +61 417 104 741



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24.01.2022 There was one big-ticket initiative in the federal budget that really caught our eye, and that was the turbocharged version of the instant asset write-off scheme. Today we’ll look at how it could improve your business’s cash flow moving forward.



22.01.2022 Consumer sentiment is surging, confidence in the housing market is booming, and the number of experts tipping a Melbourne Cup Day cash rate cut is increasing. Let’s look at why households and businesses are becoming increasingly optimistic. Ahh, spring. It’s fair to say we love it around here.

21.01.2022 The Reserve Bank of Australia (RBA) has cut the cash rate to a record low of 0.25% following an emergency meeting due to the impact the coronavirus is having on the economy. RBA Governor Philip Lowe said in a statement the move was due to the virus causing "major disruptions to economic activity across the world".

21.01.2022 Tens of thousands of Aussies have an extra reason to love Valentines Day this year, with their credit scores set to jump after civil court filings disappear from their credit file. According to consumer and financial law firm MyCRA Lawyers, the change will allow some people to get credit where previously they were rejected, or simply negotiate lower interest rates.



21.01.2022 Open Banking is now officially upon us. But what does that mean and why should you care? Well, in a nutshell, itll be easier and quicker for you to get a better deal on banking products going forward. With all thats going on in the world right now, its been interesting to see one of the nations biggest banking overhauls in recent memory slip a little under the radar.

21.01.2022 The Reserve Bank of Australia (RBA) has cut the official cash rate by 25 basis points to a new record low of 0.50% as the coronavirus outbreak impacts global financial markets. RBA Governor Philip Lowe said the coronavirus has clouded the near-term outlook for the global economy and global growth in the first half of 2020 will be lower than earlier expected.

20.01.2022 Predatory payday lenders are profiting from vulnerable Australians and trapping them in spiralling debt, according to a collaborative report by 20 consumer advocacy bodies. The report, The Debt Trap: How payday lending is costing Australians, projects that by the end of the year there will be $1.7 billion worth of payday loans lent out in Australia. It also found that over 4.



20.01.2022 Heres a bit of welcome news for mortgage holders: Australias record-low cash rate is likely to remain in place until 2023, according to leading economic and property experts. In March, the Reserve Bank of Australia (RBA) called an emergency meeting, cutting the cash rate for a second time that month and taking it to a record-low of 0.25%.

20.01.2022 The majority of property investors are remaining upbeat despite COVID-19, with 67% believing now is a good time to invest in residential property, according to a new survey. The 2020 PIPA Property Investor Sentiment Survey gathered insights from nearly 1,100 property investors in August, with the key finding that the majority of property investors remain optimistic about the months ahead.

19.01.2022 Loyalty is an admiral trait when it comes to our friends, family and loved ones. But if youre extending that virtue to the banks, then theres a good chance its costing you thousands of dollars. Thats the takeout from the ACCCs latest Home Loan Price Inquiry interim report.

19.01.2022 SMEs are set to have better access to finance, with the Australian government making two key moves this month to free-up lending to small business operators. Firstly, Treasurer Josh Frydenberg says he will instruct the corporate watchdog ASIC to tell banks to waive responsible lending standards for small businesses.

19.01.2022 Non-major lenders have started offering another 5,000 slots for the First Home Loan Deposit Scheme, which allows first home buyers to purchase a property with a deposit of 5% without having to pay Lenders Mortgage Insurance (LMI).



18.01.2022 The property price caps in each state have been revealed for the federal governments new first home buyer scheme. Read on to find out the maximum value of a property you can purchase under the scheme. Imagine buying your first home with a 5% deposit and not having to pay lenders mortgage insurance (LMI).

18.01.2022 Wishing you and your family a Happy Chinese New Year 2021.

18.01.2022 Borrowers struggling to stay afloat will be offered greater protection from debt collection agencies under new guidelines being applied by Australian banks. As recently reported by the ABC, debt collectors can legally sue to recover debts as little as $5,000, with one debt collection agency suing hundreds of people for bankruptcy to recover debts.

17.01.2022 Applications for the new First Home Loan Deposit Scheme are now open, with 10,000 guarantees available to first home buyers looking to get a leg up into the property market. Now, with 10,000 spots it might sound like you've got plenty of time up your sleeve to take advantage of the new scheme, but consider this: 110,000 Australians bought their first home in 2018.

16.01.2022 You might have heard that the federal government will give eligible Australians $25,000 to build or substantially renovate homes as part of the new HomeBuilder scheme. Today well look at who exactly can qualify for the initiative.

16.01.2022 If youve deferred your home or business loan then its likely your bank will reach out to you in the coming weeks. Heres what to expect and what options are available to you. As the initial wave of six-month loan payment deferrals comes to an end, banks have started contacting customers to discuss the next step, which could include further support, assistance or deferral.

14.01.2022 Some greats news for WA building industry

13.01.2022 Whether youre looking for extra cash to purchase a property, or could do with a few thousand dollars to pay off your existing mortgage, the average Aussie household could make nearly $6,000 from selling their pre-loved items. Turns out were a bunch of hoarders thatd make the Kerrigans blush, according to the 2020 Gumtree Second Hand Economy Report.

12.01.2022 Australia’s housing market is on the cusp of a boom, with house prices set to leap 16% over the next two years, according to the Commonwealth Bank (CBA). The head of economics at Australia’s biggest bank, Gareth Aird, predicts national house prices will surge 9% in 2021 and a further 7% in 2022. Apartment prices meanwhile are predicted to rise 5% in 2021 and 4% in 2022.

11.01.2022 2020 hasnt been an easy year for many Aussie households and businesses, which makes today an important one to check in on one another. COVID-19 and associated lockdowns have placed all sorts of new pressures on families and businesses across the country this year. In fact, more than 1.5 million Australians are currently suffering from mortgage stress - the equivalent of 40% of households.

10.01.2022 Small business owners in need of credit will be buoyed by new data that shows the approval rate for loans has remained strong throughout the coronavirus crisis. In fact, about 70% of SME business loan applications received by lenders have been approved since early February, according to Australian Banking Association (ABA) statistics.

10.01.2022 You dont need us to tell you how much the world has changed - theres been no shortage of news bulletins updating you on that. So rather than telling you about more changes, today were going to explain how we can help.

09.01.2022 Great news for homeowners and prospective buyers: housing affordability is at its best level in a decade and should continue to improve throughout 2021. Housing affordability improved in all major Australian cities over the year to September 2020 despite the ongoing global pandemic, according to a new report by investor service Moody’s.

09.01.2022 Its fair to say its an unusual time to be a first home buyer. But there are still opportunities out there for those whose jobs havent been affected by COVID-19. Here are five key talking points weve been regularly discussing with first home buyers in the current market. 1.

09.01.2022 Most of us have at one time dreamed of discovering a hidden little gem and renovating it into the most enviable house on the street. With the $25,000 HomeBuilder grant, those dreams are closer to becoming a reality for many. But where to look? Well, recent realestate.com.au data might have revealed the answer.

07.01.2022 Got a large, overdue tax debt with the Australian Tax Office (ATO)? Then best listen up, because certain tax debt information can now be reported to credit reporting bureaus (CRBs). A new Australian law means the ATO will be able to disclose the tax debt information of a business to CRBs when certain criteria are met.

07.01.2022 It’s the document that was never meant to see the light of day. But a Freedom of Information request reveals the Reserve Bank of Australia projects a 30% increase in house prices if interest rates remain low for the next few years. The internal, not-meant-for-public-viewing analysis by the RBA looks at the impact of low interest rates on asset prices, including property.

06.01.2022 Every now and then a bank does something that bucks the trend and takes customers by surprise. Today well look at two cases that recently made national headlines and how you can reduce your chances of getting caught out. While the below two examples may not relate to your home loan specifically, they do serve as important lessons nonetheless.

05.01.2022 With Australia currently enduring its worst bushfire season on record, we all want to do our little bit to help out, so today we thought we'd discuss the important topic of underinsurance.

05.01.2022 Looking to refinance your home loan? A valuation is a vital part of the process. So today well look at some ways you can help get your home in tip-top shape. When you refinance to try and get a better deal on your home loan, the lender youre applying with will arrange a valuation to estimate what your property is worth.

04.01.2022 With interest rates at record low levels, today well look at a question that many are asking: should I lock in a fixed rate home loan? You may have recently received a call directly from your bank, or seen more ads than usual across the internet spruiking super low fixed-rate mortgages. Heres why: lenders are scrambling over one another to lock-in customers right now.

04.01.2022 On your marks, get set, go! The race is on for limited spots in the federal governments First Home Loan Deposit Scheme, which kicked off again on July 1. The scheme allows eligible first home buyers with only a 5% deposit to purchase a property without paying for lenders mortgage insurance (LMI) which can save you up to $10,000.

03.01.2022 Thousands of families across the country who had been thinking about a new build, or tackling an overdue renovation project, have rolled up their sleeves and committed to it, according to latest ABS data. And to be honest, we’re not overly surprised. The federal government’s $25,000 HomeBuilder grant is nothing to sneeze at.

03.01.2022 Happy Australia Day!

03.01.2022 Are you paid weekly, fortnightly or monthly? New research indicates that how often youre paid has a pretty big bearing on whether youre a saver or a spender. The research, conducted by small business platform Xero, shows that Aussies who receive their salaries weekly are more likely to splash their hard-earned cash than those who are paid monthly due to a term theyve dubbed payphoria.

02.01.2022 First home buyers are throwing themselves into the property market in numbers not seen since 2009. The number of owner-occupier first home buyer loan commitments reached its highest point in ten years in January, with newcomers taking out 9,945 loans (seasonally adjusted), according to ABS data. Thats a 3.2% rise on the previous month and a 20% increase on January 2019 (7921 loans).

02.01.2022 You know that infuriating habit the big banks have of failing to pass on the RBAs cash rate cuts in full? Well, its finally triggered the federal government to order an inquiry into home loan pricing.

01.01.2022 Youve probably heard the federal government is giving $25,000 grants to eligible Australians looking to build or substantially renovate their homes. Today well look at what that means for first home buyers when combined with state and territory schemes.

01.01.2022 On your marks, get set, go! The race is on for limited spots in the federal government's First Home Loan Deposit Scheme, which kicked off again on July 1. The scheme allows eligible first home buyers with only a 5% deposit to purchase a property without paying for lenders mortgage insurance (LMI) which can save you up to $10,000.

01.01.2022 The crucial final touches on the federal governments $25,000 HomeBuilder scheme have been revealed. Will your build be eligible? When the federal government announced its $25,000 HomeBuilder scheme in early June the immediate reaction from many was you little beauty, quickly followed by, wait...

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