EV Financial in Peregian Beach | Loan service

EV Financial

Locality: Peregian Beach

Phone: +61 417 424 421

Address: 6/4 Kingfisher Drive 4573 Peregian Beach, QLD, Australia

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

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• Financial service
• Loan service
• Mortgage brokers

25.01.2022 Today, the RBA announced an out-of-cycle emergency rate cut to help the Australian economy withstand the impact of COVID-19. 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.

25.01.2022 Spoilt for choice!

23.01.2022 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.

23.01.2022 HELP! Yes, that's right - The Australian Government provides financial assistance to students through the Higher Education Loan Program (HELP) which removes up-front cost barriers to tertiary education by providing income contingent loans. Whilst being tax efficient, this Loan may be reducing your borrowing capacity. ... In assessing your income, we will provide detailed analysis about (a) retaining or (b) repaying your Loan. Just another way we HELP you!

22.01.2022 Total Conveyancing - Totally AMAZING!

22.01.2022 Our industry may be steeped with change at the moment, but it is business as usual for us! We would like to take this opportunity to sincerely Thank our lovely, loyal client base. Your trust, confidence and support means the world to us and we are committed to providing you the highest level of service whilst playing a critical role in keeping competition alive for Australian home owners.

21.01.2022 Is Libra Coin set to change the way we look at the digital currency? More then 20 major brands, including Visa, Spotify, Mastercard and PayPal have invested millions of dollars in the development of the digital currency. Deposit $AUD cash into your Digital Wallet... Purchase Libra Coin Use Libra Coin as you would Google/ Apple/ Samsung pay *beep* Liquidate/ convert to any currency at your convenience Will a decentralised currency change the way we bank or shop?

19.01.2022 My attitude has always been, if you fall flat on your face, at least you’re moving forward. All you have to do is get back up and try again. Richard Branson Sometimes in life, the unexpected can happen. A change in your employment, relationship or asset position.... Having a positive mindset during those times is as important as engaging with the key people around you; from a professional and personal perspective. If you have been through a period of change or uncertainty, we will work with you to ensure you have a prompt and cost effective solution.

19.01.2022 The Reserve Bank of Australia has delivered its final cash rate announcement for 2019 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.

18.01.2022 The Reserve Bank of Australia has decided to leave the official cash rate unchanged at 1%.

16.01.2022 Australians and the world are adjusting to the global pandemic of the Coronavirus. This situation will impact many of us on an emotional, financial and logistical level. Be Supportive Be Careful Be Alert... Be Kind See more

14.01.2022 Is Afterpay another form of debt? Afterpay allows you to pay for your product or service over four fortnightly direct debits. You will never be charged interest, however late fees can apply. These late fees are capped at 25% of your original purchase or $68 - which ever is less. You have to apply for Afterpay, you will not know your capacity and your historical data will determine your future eligibility. ... Yes; it is a form of debt. However, another consideration is the flow on effect to your residential lending options. In assessing your home loan borrowing capacity, a lender will take into consideration (a) all current Direct Debits and (b) characteristically, how you spend your money. We will work with you to determine if Afterpay is a suitable option before, during and after your Home Loan application.

12.01.2022 Be it boat, plane or automobile, your Motor Vehicle Finance is in the best hands with EV Financial. Working with a select number of lenders, we ensure the rate, term and associated fees are competitive and flexible.

12.01.2022 Happy Valentines Day, love birds

11.01.2022 Property Investment can become your passion, too. EV Financial provides annual reviews and revaluations of your property portfolio, as well as a comprehensive analysis of equity, yield and future opportunities. - Real asset... - Capital growth - Consistent income What does investing in property mean to you?

10.01.2022 A goal without a plan is just a wish. We look forward to helping you plan and achieve your financial goals in 2019!

10.01.2022 For the first time in Australian history, our official Cash Rate is below 1%. This reduction in the rate is aimed at boosting employment and consumer confidence.

09.01.2022 Your dream home could be a conversation away!

09.01.2022 Don’t have ready or convenient access to your cash for your 10% home deposit? A deposit bond could be the smart solution. A deposit bond is a guarantee issued by an insurer, for the deposit required of up to 10% of the purchase price. Just like a cash deposit, a deposit bond guarantees your commitment to an unconditional contract of sale. Then, at settlement, you simply pay the full purchase price, including the deposit amount. Contact us to find out how we can help :)

09.01.2022 Discretionary spending, confirmed with your Bank Statements, is a key factor in your Home Loan application. Whilst no one category is taboo, we utilise our knowledge of Lender Credit Policy, appetite and niches to ensure a streamlined Approval process.

08.01.2022 Black Saturday - 10th Anniversary The lasting damage of the Black Saturday bushfires has been the personal cost to individuals, families and communities. Loss of life and injury to family and friends, loss of homes and the memories they contained, the complete alteration of familiar landscapes and the sense of foreboding that such a disaster could happen again have affected people across the fire-ravaged region.... On this day, we remember those who perished and those whose lives were forever changed. A community and a country grieve, yet simultaneously applaud the spirit, bravery and determination to rebuild.

08.01.2022 The Reserve Bank of Australia 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.

07.01.2022 Good news for small business owners. With the recent eligibility criteria extension for the instant asset write-off scheme, businesses with a turnover of up to $50 million can now immediately write off depreciable assets that cost less than $30,000, helping offset the cost of investing in new equipment. If you’d like to know more about securing finance for new assets or equipment before the end of financial year, call us today.

07.01.2022 At EV Financial, we enjoy helping you with all aspects of your personal and business lending. Motor Vehicle Lending is a vast and competitive market and we have a clear focus on ensuring the loan is cost effective and repayments manageable. Do you know the difference between a Motor Vehicle Interest Rate and Delivered Rate?

06.01.2022 Does your business need a BOOST for the next BIG THING?

05.01.2022 Why wait until the last second to review your home loan?

05.01.2022 Impressive to see the pace and adaptability in which an industry can evolve! https://www.opteonsolutions.com//opteon-launches-a-zero-c/

04.01.2022 We are great advocates for the smaller 'non banks', often referred to as Second Tier or Ethical Lenders. The below excerpt shows not only the strong gains of the above-mentioned through a time of turbulence, but the power of the major banks in Australia. ++... Following its analysis of home lending growth in the Australian mortgage market, global investment bank Morgan Stanley found that in April, mortgage growth among the big four banks hit a new record low of 2.3 per cent year-on-year, 1.8 per cent below system (4.1 per cent). In comparison, non-major banks and non-bank lenders reported growth of approximately 8 per cent and 16 per cent, respectively. However, Morgan Stanley expects the fortunes of the major banks to change off the back of recent political and economic developments. The global investment bank has revised its forecasts for major bank mortgage growth from 2 per cent growth in the 2020 financial year (FY20) to 4 per cent growth. ++

04.01.2022 The Reserve Bank of Australia has today reduced the Official Cash Rate to 0.50%. A reduction of 25 basis points is largely in light of recent global economic events and pressures.

03.01.2022 The space in which we live should be for the person we are becoming now, not for the person we were in the past. Marie Kond This quote very much applies to your household finances. ... That Personal Loan for the holiday you went on 2 years ago, the outstanding Credit Card balance or the supplementary loan for the long completed home renovations. Contact EV Financial to cost effectively consolidate your finances and help you spark joy!

02.01.2022 Your dream home could be an inner city apartment, a white picket fence in the 'burbs or something a bit more grand. Many lenders have a very different appetite towards real estate assets, based on location, type and purpose. Let us navigate the banks policy for you, to ensure the most streamlined and enjoyable process. Did you know that EV Financial works with clients all over Australia, and the world, to make their home ownership dreams a reality?

02.01.2022 Happy Australia Day

02.01.2022 My daughter opened my Samsung Pay app. She's five. As children, we considered the 'hole in the wall' to be a plentiful bounty of cash - with little to no consideration given to the source of money or the means to earn it.... Whilst educating her and challenging her perspective on money, one quite interesting aspect is the scale of money; ie. How much does a house cost? Or, how much do we pay per week to live in our house? What does 'beep' mean to your children?

02.01.2022 Renovating? Top 3 tips! 1. Plan a budget for materials and labor.... 2. Set a time frame. 3. Have a contingency plan for Tips 1 & 2! Accessing equity in your home may be the best way to expediate your renovations. Whilst we will determine if your current lender is the most suitable first, a number of factors such as Bank Valuation, Borrowing Capacity and Bank Policy may mean an alternate lender is a better option.

01.01.2022 Don't be complacent if you have an Interest Only loan. The restrictions placed on Interest Only loans was a tumultuous time approximately 5 years ago, and we are about to see the real impacts come to fruition. A large volume of Interest Only loans will revert to Principal and Interest this year.... Given the recent shift in Interest Rates, notably Investment Rates, plus the requirement to reduce principal, your monthly repayment could increase by over 60%. Assuming 4.5%pa interest, monthly repayments on a $700,000 Interest Only Loan would be $2,625. The Principal & Interest monthly repayment will be $3,890. An increase of $1,265 per month. Interest Only lending is available; although you may have to look broader than 'your bank'.

01.01.2022 We tailor your Home and Investment Loan structures based on your savings and/ or equity in your property/s and your financial capacity to maintain current and proposed liabilities. Contact us for a comprehensive analysis of your current and future property goals.