Crimmins Finance | Financial service

Crimmins Finance

Phone: +61 409 297 707

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25.01.2022 Pepper Insights Roadshow #brokerlife

24.01.2022 Yes APRA and ASIC have changed / tightened the lending for investment properties, but still plenty of good options available. https://www.domain.com.au//starting-to-bite-lending-clamp/

24.01.2022 Mmmm https://finance.nine.com.au//australians-swipe-up-a-29-bil

22.01.2022 https://www.realestate.com.au//first-home-buyers-shouldn/

19.01.2022 CREDIT CARDS .... if you are paying interest on your credit card you shouldn’t have one !! Saying goodbye to my Jetstar Credit Card (backed by Macqaurie bank) I’ve had for 10+ years .... been great, worked out I would have had over $15,000 worth of flights in this period #loveatripaway Things can & do change .. including T&C’s from the finance provider & also what works best within your changing circumstances. ... No credit card for time being ... but looking for next one that will suit me best. If you like a lot of others have credit card debt, get rid of it & the card as well. Recent clients have consolidated debts when refinancing their homeloan, the savings gained is well worth the process, be in contact if would like a confidential chat.. & yes I will have no hesitation to continue to fly Jetstar

19.01.2022 Crimmins Finance has access to multiple lenders in Residential (rates starting with a 2 now available), Commercial, Business, Asset, Car & Personal finance. As always it will be a private no obligation and no cost consultation. All the best for a safe and merry festive season. I will be available throughout all of the upcoming festive period, so feel free to contact me at anytime. Sam Crimmins... M: 040 929 7707 E: [email protected] See more

18.01.2022 https://www.abc.net.au//asic-guides-banks-and-br/11810994 Some great offers around to start off 2020 ... for both owner occupied & investment loans ..

17.01.2022 RATES HAVE DROPPED AGAIN With rates at an all-time low we look at the benefit of paying the same amount on a lower rate mortgage. By doing so it could shave $40,000 and three years off your home loan, according to new analysis.... According to Finder, the average Australian mortgage is $384,700 at the average variable rate of 4.91 per cent (far too much but this could be for a variety of reasons) For principal-and-interest owner-occupier loans, the average rate of new mortgages is currently about 3.6 per cent. This means the cost of borrowing is even lower, and could enable even more Australians to get ahead of their loan repayments if they maintain their repayments. The reality is some [households] will save and some will spend. Some amazing rates available.. Owner Occupied Variable Rates starting at 3.05% Fixed term rates starting at 2.99% Investment Principal & Interest Variable 3.46% Interest Only 3.66% Contact me anytime for a confidential discussion on any or all of your finance needs sam@crimminsfinance or 0409297707

15.01.2022 https://www.realestate.com.au//how-you-could-pay-off-your-

14.01.2022 First Homebuyers - Some good incentives around for First Homebuyers - both from the government and banks/lenders. Discounts, grants and schemes: https://www.domain.com.au//discounts-grants-and-schemes-w/

13.01.2022 https://www.domain.com.au//what-can-mortgage-brokers-do-/

12.01.2022 https://www.realestate.com.au//8-questions-ask-mortgage-br 1. www.crimminsfinance.com.au 2. 30+... 3. Yes 4. Depends 5. Depends 6. Depends 7. Zero 8. Always

11.01.2022 http://www.afr.com//sydney-houses-to-fall-02pc-over-next-3 Interesting read with a lot of discussion and debate regarding house & unit prices in our capital cities

11.01.2022 Good to have the footy back .. Mums excited

09.01.2022 https://www.realestate.com.au/advi/invest-new-developments/

08.01.2022 Sanctuary Beach Currumbin Settlement recently completed on this fantastic resort Absolute beachfront... Pool Tennis Court 2 bedroom apartments 3 bedroom apartments Great place to stay ... 8 minute drive from the Gold Coast airport Beach one side - Currumbin Bird Sanctuary the other - the great Vikings Surf Life Saving Club a 5 minute walk along the beach. (07) 07 5598 2524 or [email protected] for availability

08.01.2022 https://www.facebook.com/sam.crimmins.77//10155711953929882

07.01.2022 Industry day - the first speakers suggested I need a bit more Samtime..

06.01.2022 Crimmins Finance - here if needed Hi All, I hope you and your closest are keeping well during these bizarre times.... As the situation regarding COVID-19 continues to unfold, I wanted to update you on Crimmins Finances business continuity plans and assure you of my dedication to support customers during these challenging times. I will continue to offer finance responsibly to new and renewing customers, in line with the necessary adjustments to lending policies and process as we continually adapt to this unprecedented environment. Most of us will be able to pause our home loan repayments(& business loans), majority of lenders are offering it for at least three months, with the option to extend for a further three months should it be required. I am currently receiving an enormous amount of emails from the 30+ funders I'm accredited with, so personally I will be waiting for it to settle, see whats on offer and how it all runs before sorting out my own finances, my understanding is the majority of the lenders are currently developing these "pause applications to be online - so they are hoping that it will be available in the coming days. I urge other loan holders not to make any rash decisions to your finance position if possible. Those who need urgent help please contact me and I will do everything to help throughout these difficult processes. I have had recent conversations with clients who look like having very different paths ahead, from clients immediately accessing the government support and help packages, to others who are looking to refinance and save on their current rates and to get setup for future investing using their equity (and everywhere in between). Lenders are still open and offering some great offers for those who qualify and are interested. So in saying that I’m still available 7 days a week, with the restrictions around face to face interactions, phone, email and video calls are all viable options. It won’t matter what the circumstances are, I will always be trying to keep the lenders honest and get the best possible outcome for my clients Keep well & contact me at anytime with any questions or queries. Speak soon Cheers Sam Crimmins M: 040 929 7707 E: [email protected] W: crimminsfinance.com Australian Credit Licence 389328 Authorised Credit Representative 477757

04.01.2022 https://www.domain.com.au//financial-bootcamp-how-borrowe/

02.01.2022 Hello, hope all is well. Always a lot happening in the lending game, especially in the current pandemic, rates have never been lower with first homebuyers and refinances taking advantage of the rates and incentives on offer. First Home Buyers... Always great helping clients into their first property, with government incentives like the FHLDS (first home loan deposit scheme) and stamp duty concessions, I have enjoyed helping clients purchase whilst utilising these cost saving incentives. With rates at an all-time low, the mortgage repayments are similar if not less than paying rent. It’s never too early to start planning for a purchase, be in touch if you would like to discuss, it is understandably a long drawn out process for many. Refinances It’s better in your pocket than the lenders Helping clients get better deals on their current loans is a rewarding process for all. With cash back incentives and all-time low rates, it’s a great time to be looking for a better deal on your current loans. Example on a 450k loan over 30 years by changing from a 2.99% to 2.59% loan = approx savings $1,900 per year Business, Commercial, Asset & Car Finance In line with residential lending, the offerings have never been better. Transparency on fees more so than rates is an important factor when looking at these finance options. The main lenders used recently from the 30+ on panel: Suncorp, Macquarie, ANZ, NAB, Auswide, Advantage, ING, Adelaide Bank, Resimac. Crimmins Finance is a private and complimentary service for all clients. Personal referrals and recommendations are greatly appreciated. Available 7 days a week (including nights weekends & public holidays) Hopefully be able to catch-up soon Kind Regards Sam Crimmins M: 040 929 7707 E: [email protected] W: crimminsfinance.com Australian Credit Licence 389328 Authorised Credit Representative 477757

01.01.2022 Rates are dropping 3.39% for 3 year fixed !!