Danny B Finance in Burnie, Tasmania | Financial service

Danny B Finance

Locality: Burnie, Tasmania

Phone: +61 447 033 523

Address: 7 Wilson Street 7320 Burnie, TAS, Australia

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

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• Financial service
• Loan service
• Mortgage brokers

25.01.2022 What happens when your fixed rate expires? Do you know when your fixed rate term is coming to an end? Once it finishes, the bank is free to quietly switch you ...to a higher interest rate unless you act fast! Think of how costly it could be if you simply let the bank choose your interest rate. If your bank charges you just 0.5% more than the competitive interest rates, this adds up to a significant amount over the term of your loan. You can save yourself a great deal of money and perhaps even cut years of your loan, if you are proactive about monitoring your interest rates and choosing the right option for you. Switching to a variable rate A variable rate can be a great option if you want to take advantage of low interest rates, or if you want the flexibility to redraw or make extra payments. When your fixed rate term expires, the bank will automatically switch your loan to the Bank Standard Variable Rate (BSVR). Do some research to find out whether this is a competitive rate; if not, you can talk to your bank and try negotiating a better deal. And if they do not offer you a competitive rate, you can switch lenders. Lenders generally prefer to negotiate rather than lose a customer, while they dont generally make their best offers to customers with a proven history of loyalty. So when it comes to your interest rate, stay alert and ask questions keep your lender busy, trying to keep you happy! Extend your fixed rate One option is to ask the bank to refix your home loan, extending it for another one, three, five to ten years. The fixed rate is a good option for you, if you are planning to pay off your loan steadily over a long period of time, and you want each mortgage payment to be a regular amount so you can budget your money precisely. Fixed rate protects you from rate rises and you could be paying less than the variable rate. However, there is also the risk that you could end up paying higher than the market rate if you are locked into an outdated fixed interest term. There may also be a break fee if you change or pay off your loan within the fixed period; this means the fixed rate is not a good option for anyone planning to sell their home. Call us today if you need assistance pinpointing the best and most competitive option for you.

25.01.2022 As you are aware Finance Brokers of Tasmania recently opened their office in Burnie at 7 Wilson Street. Most Aussies like to set and forget their home loan. However, you could potentially save thousands of dollars by renancing.... Take the time to see me at Finance Brokers of Tasmania for a free consultation, work out your options and see what savings are to be made. What have you got to lose? And remember Finance Brokers of Tasmania is where smart people go for loans.

23.01.2022 Did you know if a home loan interest rate varies by 0.5% (on a $350K loan), thats a saving of $41,875.00 over the life of the loan? My free loan comparison service tells you how much you could save! Message me for a free check up today! PM me...

20.01.2022 Did you know if a home loan interest rate varies by 0.5% (on a $350K loan), that's a saving of $41,875.00 over the life of the loan? My free loan comparison service tells you how much you could save! Message me for a free check up today! PM me...

20.01.2022 Five Reasons why you need a Mortgage Broker For most people, buying a home or an investment property are the biggest financial investments of their lives. A mor...tgage broker can help streamline the costly and confusing process, while saving you valuable time and money. Heres how: Simplifying the home loan process While this is an overwhelming first-time experience for you, your mortgage broker can efficiently guide you through the entire process, from the application to the property settlement. With their assistance, you can handle all the complexities of paperwork and legal details. They can also give you the right advice to ensure your application is approved promptly. As a result, you have the peace of mind of delegating the process to an expert who will keep you informed every step of the way. Fast comparisons With so many banks and lenders offering different deals, it can be difficult to figure out which is the right loan for your situation. While a bank will only promote their own products, your mortgage broker has the experience and the contacts to compare a wide range of lenders and products, to identify the right package for you, based on your individual situation. They can decipher the financial jargon for you and explain the pros and cons of various home loan features, so you can confidently make an informed choice. Direct service As your mortgage broker regularly works with various lenders, the application process can be several days faster than going to a bank directly. Best of all, you are dealing with one point of contact, rather than whichever member of the banks credit team takes your call. This gives you the benefit of securing the loan features that are best for you, based on your circumstances. Better value from your property investment When an expert oversees your choice of loan, you reap the long-term benefits of better interest rates and the right flexibility for your personal situation. The right loan can take years off your mortgage while cutting down your interest payments. In comparison to the significant savings, the cost of a mortgage brokers fee is negligible. In the US and UK, mortgage brokers charge around 1-2% of the total loan, while in Australia, mortgage brokers are paid by lenders so there is no cost to the client. Specialized assistance If your situation is a little more complex than a standard home purchase, a specialized mortgage broker can help you through the process. Whether you need assistance with property investing, commercial properties or a hobby farm, there is a mortgage broker who knows exactly how to help you. There are also mortgage brokers who specialize in assisting people with individual challenges that might deter lenders, such as bad credit, non-residential status or contract employment. For more information about securing the right loan for your circumstances, contact your mortgage broker today.

19.01.2022 Did you know you can get a loan for a house and land package with LITTLE or NO DEPOSIT You can use your rental history as savings history - instead of the traditional method of needing a minimum 5% genuine savings which you have saved in a bank account for a period of 3 months or more. See below if youre eligible to apply:... Rent through a real-estate 6 months or longer with the same agency. You are an Australian citizen or permanent resident You have never owned a residentialproperty anywhere in Australia You have not previously received a First HomeBuyers Grant from any state or territory in Australia You must be 18 years of age or older If you receive the FHOG the home must be used as your principal place of residence for a continuous period of at least 6 months, which must take place within 12 months of receiving the FHOG. If you meet the above criterias simply send us a message and we will send you the application form that you can complete.

18.01.2022 If you're interested in getting a personal loan, speak to Danny, your local personal loan expert. With access to over 30 lenders I am certain I can find you the... right deal. Whether it’s a holiday, a wedding or you just need some extra cash; let us help you find the perfect loan for your needs. I am a specialist that will individually tailor a finance package to you. It’s easy, almost too easy. I can organise an obligation free pre-approval and follow through with: No deposit loan options Competitive interest rates Affordable repayments Flexible terms Loans over $4k Contact myself today on 0447 033 523 or message myself directly on Facebook to get a better idea of your potential repayments and discuss the requirements to get started today.

17.01.2022 So if you need a Broker you all know who to call, right? - According to a recent survey conducted by CoreLogic approximately 55.7% of all residential home settlement were completed by Mortgage Brokers for the September quarter 2017 with 9 out of 10 customers satisfied with the services provided!

15.01.2022 SAVE THOUSANDS OF DOLLARS By undertaking a simple review of your existing loans, its possible you could save THOUSANDS OF DOLLARS. How? Let me show you a...n example. If you owe $350,000 on your mortgage and you are paying 4.5% over a 30 year term this would result in a monthly repayment of $1,773.39. Now, if you owed $350,000 on your mortgage and you are paying 3.78% this would result in a monthly repayment of $1,626.87. What does this mean? $146.52 saving per month, or $1,758.25 per year. Whilst everyones situation is different, and interest rates are of course subject to change, a review/initial consultation with me will cost you nothing. Nada. Not a cent! I would love to put a few extra dollars in your pocket! If you like the idea of your wallet/purse being a bit heavier - give me a call. YOUR Broker - Here for YOU. DISCLAIMER - All financial situations are different. Various factors contained in the above examples may not apply to you and could change without notice. Calculations are approximations and for indicative purposes only.

14.01.2022 Do you need a new car? Last week I helped a client finance her dream car...all at a repayment lower than that provided by a car dealership! Whether its brand new - or just new to you - I can help you get the finance you need on a competitive interest rate.

13.01.2022 Myths about mortgage brokers Wary about engaging a mortgage broker to see you through the loan application process? There are numerous myths about mortgage brok...ers that have put people off using their services. Here we debunk some of the more common myths so you can see how a mortgage broker can help you secure the best possible loan for your next property purchase. 1. Mortgage brokers are aligned with one particular lender Many people believe that mortgage brokers are simply a front for a specific lender, so their job is to lure you to that lender. In fact, a mortgage broker is fully licensed, and relies on their knowledge of the whole mortgage market to provide you with the best mortgage for your individual needs. 2. Mortgage brokers will charge you for their time As the client, you do not pay the mortgage broker once you are approved for a loan, the lender pays a commission to the mortgage broker. The commission is calculated according to the size of your mortgage. 3. Getting a home loan through a mortgage broker costs more because of commission The mortgage brokers commission is a percentage of your home loan, so it is not an additional cost for you nor is it paid by you in any way. It has no effect on the fees or interest rates you pay on your mortgage. 4. Mortgage brokers deal with shady lenders While mortgage brokers have connections with smaller lenders whose names might not be familiar to you, they generally also deal mainly with the major lenders with high-profile reputations. Many of the smaller lenders are affiliated with the larger banks, or they could simply be low profiles businesses with a long-standing reputation. A mortgage broker relies on the professionalism of the lender to maintain their own business reputation and income, so even the smaller lenders will have a strong reputation within the industry. 5. Mortgage brokers are only for people with bad credit Another pervasive myth is that only people with bad credit need assistance from a mortgage broker. While mortgage brokers can certainly assist someone with bad credit find a suitable loan for their circumstances, they can also help anyone who wishes to save time and money by sourcing the best loan possible for their requirements. 6. All mortgage brokers are fully licensed Unfortunately, anyone can call themselves a mortgage broker, but only a licensed mortgage broker is qualified to give you advice and assistance in securing a loan. A licensed mortgage broker should have the license on display in their office or on their website if they do not, you are entitled to ask them to confirm their qualifications. 7. A mortgage broker will force you to refinance with a new lender If you are happy with your current lender, there is no reason for you to refinance your loan with someone else. However, your mortgage broker could renegotiate the terms of your current loan on your behalf and perhaps get you a better deal. Contact us today if you need independent assistance in finding the right home loan for your needs, whether it is for an existing property or an upcoming purchase.

11.01.2022 Banks Cant Help? I Can! I help people in Tassie get great rates on first, second and third mortgages.I can help our customers even if they: Have been turned ...down by the banks. Are self-employed and having a hard time proving income. Have bad credit. Or need to consolidate debt to improve cash flow. Or want to refinance their mortgages If any of the above applies And would love a lower interest rate or a lower monthly mortgage payment or to get pre-approved for a new mortgage or to consolidate debt or to use your home to pull out cash? Help is on its way! Tell us about your situation. Simply click over and fill out the short form on this page: https://www.dannybfinance.com/home Dont worry, the process takes under a minute. And it doesnt cost a dime. And no one will know its completely confidential. Plus, theres no obligation to work with me. Its my job to impress you; and if I dont do that? I dont deserve your business. But Id sure appreciate the opportunity. Whatever your mortgage needs are let me see if we can make life a little easier fill out this brief form today: https://www.dannybfinance.com/home Danny Buckingham

10.01.2022 If youd like to deal with a business lender that really understands the small business market, talk to me. Find out how you can apply for up to $100,000 to gro...w your business without needing asset security to access the funds. PLUS ask me about the delayed repayment offer for EOFY. Fees, T&Cs apply. See more

10.01.2022 Personal Loans Looking for something a little more flexible? Whether its a holiday, a wedding or you just need some extra cash; let us help you find the perfect loan for your needs. We have a team of specialists that will individually tailor a finance package to you. Its easy, almost too easy. Your very own personal loan specialist can organise obligation free pre-approval and follow through with:... No deposit loan options Competitive interest rates Affordable repayments Flexible terms Loans over $4k Contact us TODAY to get a better idea of your potential repayments and discuss your requirements or to get started today.

09.01.2022 How to narrow down what you want in a home Before you can find the perfect home, you need to know exactly what you are looking for and as you may come across... desirable homes that include only a few of the features on your list, you need to know which features are the most important to you. As a further complication, you will generally be working on this list with your spouse or partner, who may have different priorities to you! So how do you work out what you are looking for in a home? Identify the needs and the wants Write your list of desirable features while your partner does the same. Hopefully, your lists will tally fairly closely! Now divide the list into two separate columns needs and wants. The needs list could include anything from must be walking distance to school to must be accessible for wheelchair. The minimum number of bedrooms may be non-negotiable, although you may be prepared to negotiate on the number of bathrooms or whether the kitchen has been recently renovated. Two important items to include on your needs list are the size and location of the property. This is an essential starting point because this is the information that will give you a rough idea of the price of your future home. If you realise that the price of a property that size is unattainable for your budget in your desired location, then you need to reconsider either size or location. Negotiating the wants Once you have pinpointed a suitable location for your future home, you can start looking at properties that meet the other needs on your list. This is when the search for a home can become difficult for couples, particularly if they are looking at the future home from different perspectives. One partner might be more preoccupied with the level of renovation or maintenance required, while the other partner could be concerned about whether it is a family-friendly home, particularly if this partner stays home all day with children. You can minimise stress by window shopping for houses online before going out together to view houses. Looking at photos online is a more clinical way to appraise whether a house meets your respective needs and wants, and can cut down on the number of houses you agree to view directly. Avoid burn out and regret Its important to agree that if one partner says No, absolutely not, then the house is off the list. A family home is a huge financial and emotional investment and you dont want to compromise your future by rushing into a situation that will make one partner unhappy or uncomfortable. However, its also important to check that neither of you has burnt out from looking at houses to the point where even the perfect house looks bad! If it is too difficult to find the house of your dreams, your best option is to take a break for a few months, build some more equity and then when you are both refreshed and enthusiastic, start the search again. Contact us today if you need assistance working out your borrowing capacity and getting a pre-approval for finance in place.

04.01.2022 If youre interested in getting a personal loan, speak to Danny, your local personal loan expert. With access to over 30 lenders I am certain I can find you the... right deal. Whether its a holiday, a wedding or you just need some extra cash; let us help you find the perfect loan for your needs. I am a specialist that will individually tailor a finance package to you. Its easy, almost too easy. I can organise an obligation free pre-approval and follow through with: No deposit loan options Competitive interest rates Affordable repayments Flexible terms Loans over $4k Contact myself today on 0447 033 523 or message myself directly on Facebook to get a better idea of your potential repayments and discuss the requirements to get started today.

02.01.2022 Hi everyone, Since I am coming down to the mighty west coast this Monday and Tuesday I was wondering if anyone was interested in a free financial check up? I can offer various services; including, but not limited to: - Looking at your existing home loan to see if there are savings to be made. ... - Giving free advice on the best way to get on the property ladder with your first home or to see if maybe you are looking to upgrade your existing property. - Look into upgrading your car, buying a new boat and/or caravan for the warmer weather (with christmas just around the corner why not treat yourself!) - Business owners; you might be in need for some new equipment, trucks, dozers or any heavy machinery. I can help you with this also. I can do loans for any business or individual. So please feel free to inbox me and lets talk about finding the loan thats right for you! Danny Finance Brokers of Tasmania Please Share See more

01.01.2022 WHY RENT WHEN YOU COULD OWN? With the use of the First Home Builders Grant, building your dream home with little or no deposit is possible! Are you, ... Currently Employed Over The Age Of 18 Eligible For The First Home Owners Grant Current Renting Through A Real Estate If so inbox me TODAY for more information and a FREE financial consultation.

01.01.2022 Banks Can’t Help? I Can! I help people in Tassie get great rates on first, second and third mortgages.I can help our customers even if they: Have been turned ...down by the banks. Are self-employed and having a hard time proving income. Have bad credit. Or need to consolidate debt to improve cash flow. Or want to refinance their mortgages If any of the above applies And would love a lower interest rate or a lower monthly mortgage payment or to get pre-approved for a new mortgage or to consolidate debt or to use your home to pull out cash? Help is on its way! Tell us about your situation. Simply click over and fill out the short form on this page: https://www.dannybfinance.com/home Don’t worry, the process takes under a minute. And it doesn’t cost a dime. And no one will know it’s completely confidential. Plus, there’s no obligation to work with me. It’s my job to impress you; and if I don’t do that? I don’t deserve your business. But I’d sure appreciate the opportunity. Whatever your mortgage needs are let me see if we can make life a little easier fill out this brief form today: https://www.dannybfinance.com/home Danny Buckingham