Gavin Carlson in Norman Park, Queensland, Australia | Financial service

Gavin Carlson

Locality: Norman Park, Queensland, Australia

Phone: +61 419 772 350

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• Local service
• Financial service
• Mortgage brokers

25.01.2022 Interesting reading. We cant really complain about 25 years of interest rates under 8%

25.01.2022 Did I hear someone say "oversupply of units".

24.01.2022 If youre spending your day mucking about on 10 different types of social media to promote your business than this may be for you.

23.01.2022 Warren Buffetts verdict on Bitcoin. Ill take his word for it "There are basically two kinds of assets," elaborated Warren Buffett, "One you look to the stream of income it will produce; the other you hope like hell that someone will pay you more for it." The second type is inherently speculative; it includes gold, although gold at least has value as jewellery.

22.01.2022 Is this really news? If youre borrowing 95% to purchase a stand alone investment property maybe you shouldnt be buying it in the first place.

20.01.2022 The Federal Governments new $680 million HomeBuilder program announced on 4 June 2020 makes available $25,000 grants to help build or substantially renovate yo...ur home. How does the HomeBuilder program work? Call and speak to us about your situation first! It costs you nothing to call or message us. 07 3393 9541 #rfsfinance #homeloans #mortgagefinance #firsthomebuyer #25000grant #renovation

20.01.2022 Joseph is part of my business networking group and absolutely knows his stuff. If youre after a PT in the inner west of Brisbane, visit Science of Fitness.

19.01.2022 Are you looking for property? This property app will give you all the info you need to assess the development potential of a property. #askmeaboutfinance

19.01.2022 Thanks Hannah. Hope you like your new car.

19.01.2022 Its tragic that certain people want to destroy our Citys history and heritage just so they can make a few bucks.

18.01.2022 In the lead up to Christmas well have a look at the pros and cons of car loans. First up: What is a car balloon and are there traps? A balloon payment is a lump sum which is the last payment on your loan. Balloons are more common with vehicles bought for business purposes however they can be used for some personal financing. For many people they opt to trade the car in, clear the balloon and negotiate to buy their new car.... A balloon has the impact of reducing repayments as you arent clearing the loan in full over the term. The trap for many clients whether the car is used for personal or business is they take a balloon that is too high to keep repayments lower. At the end of the term the balloon is higher than the trade in value of the car! This is sometimes referred to as negative equity. It often arises as the client has purchased a car that is more expensive than they could comfortably afford. We look at an actual quote we did for a client on 22nd November. $40,000 purchase price of car 48mths loan term i.e. 4 years 4.60% base rate 40% balloon ($16,000) $607.37p/m (payments in advance) In this example client expects the car value to be $16,000 in 4 years time. If they take a higher balloon the repayments fall however they run the risk that the cars value may fall short of payout in 4 years time. http://www.rfsfinance.com.au//What-is-a-car-balloon-and-ar?

16.01.2022 Thanks for the piece Spranklin McCartney Lawyers.

16.01.2022 PLEASE please dont fall for this type of thing. If a cold caller from overseas contacts you with a great deal its most likely a great deal... for them.

15.01.2022 Placing your family wealth in trust The basic function of a trust is to separate control and ownership. The result of using a trust is that assets are protected..., and profits are distributed in the most tax effective way. There is no one-size-fits-all type of trust. Read more at http://j.mp/2HcLe58 #rfsfinance #saving #wealthprotection

14.01.2022 You must read this BEFORE you buy a property.

13.01.2022 Everyone loves a great deal and this residential property secured Small Business offer from Suncorp is very very good. 4.49% variable $800 app fee taken at settlement No valuation fee... Offset Account no monthly fees No ongoing monthly fees on the loan account 15 20 year loan term (25 year term on a case by case basis) Please contact me for more info. #SmallBusiness #businessloans

12.01.2022 Howdy all. If you would like a free development potential report on your property follow the link below. No catch, no obligation. Cheers, Gavin

12.01.2022 These are sobering statistics if youre trying to get a better deal from your current lender. BUT, there are ways to mitigate the chances of being declined. Call or PM me if youre considering re-financing or approaching your existing lender. https://tinyurl.com/y7d7qwmw

11.01.2022 Thinking of buying a property and renovating or developing? Before you put pen to paper make sure you speak to Alex Steffan from Steffan Town Planning.

11.01.2022 If youve ever had a friend, relative or client get outbid by a cashed up non-resident then this is a good thing.

10.01.2022 This is an interesting prediction. I guess this is why the banks are pushing fixed rates at the moment.

10.01.2022 This makes a lot of sense. Have a read if youre considering selling.

09.01.2022 Some of you will know that we normally follow Westpacs interest rate forecasts. We have deviated from this following NABs latest forecast which predicts we are heading for a cash rate of 1% Read about it here

09.01.2022 Non-bank assumes 20 per cent default rate for apartments. (not all that glitters is gold) A non-bank lender has revealed how it stress-tests new residential projects amid fears of oversupply, rising defaults, falling property prices and a significant reduction in foreign buyers. Read more by following the link below.... http://www.rfsfinance.com.au//Non-bank-assumes-20-per-cent

08.01.2022 Hi folks its time for #MortgageMonday One of the best ways to knock off your mortgage in record time is to pay fortnightly instead of monthly. Heres how it works... With many mortgages having terms of 25 or 30 years, extra repayments over the years do add up. By switching from monthly to fortnightly repayments, you are actually making additional repayments on your mortgage. The reason for this may not be obvious at first but it comes down to simple mathematics. We all know that there are 12 months in a year and 52 weeks in a year but the idea that there are 4 weeks in a month is not quite correct. If there were 4 weeks in a month, a year would be 48 weeks instead of 52 weeks and this is the reason why fortnightly repayments will pay off your mortgage faster. Want to know more? Call me on 0419 772 350.

08.01.2022 If you see a piece of cardboard nailed to a telephone pole that says "Want to get into the housing market? Call now." Run a mile. In fact run a mile and a half. (Preferably in the other direction)

07.01.2022 We are looking for a good Commercial Insurance Broker to join the group if anyone can recommend someone. We have plenty of referral opportunities and a few of the members are struggling with our current broker options.

07.01.2022 These are sobering statistics if you're trying to get a better deal from your current lender. BUT, there are ways to mitigate the chances of being declined. Call or PM me if you're considering re-financing or approaching your existing lender. https://tinyurl.com/y7d7qwmw

07.01.2022 The latest deal from the Banks? Under the counter offers from #Westpac, #Suncorp & #StGeorge. You will not see these published on websites or in retail advertising material.

06.01.2022 Do you have a car loan with BMW finance. Read this

06.01.2022 Well this is going to get interesting.

06.01.2022 We see so many clients make mistakes when they buy cars and other vehicles, whether they are for work or play, luxury or budget. There are 10 areas/ concepts/ ideas we consider to be common misconceptions. We look at these myths. 1. I will go car shopping first then arrange finance. This is where many clients end up over committing themselves and leads to negative equity positions (covered above). Get your finance approved and work to a budget. This works in a similar way to...Continue reading

05.01.2022 A win for common sense?

04.01.2022 If youve heard about Family Guarantee loans but never quite understood what they were about, then this may clear things up a bit.

04.01.2022 Dont get too excited folks. Its not even up and running yet.

03.01.2022 If youre looking at entering into a commercial lease you should have come this morning. Christoper Lee from Spranklin McCartney Lawyers presented all the facts... of entering into an Agreement to Lease. Make sure you look at your lease and get Chris to look over your contract before signing anything. Very informative presentation. Thanks Chris! See more

03.01.2022 Car finance can best be called the Wild West of lending. Heres a few hints and ideas for when youre after car finance. 1. All new cars get the same rate.... No! A great example of this at present is energy efficient vehicles which may be eligible for a 0.7% discount on standard rates. Readers would be mistaken if they think the list of vehicles are only electric, they just have to have lower emissions. For example there are 50 Audi models on the list. Want a new Hilux? C...Continue reading

03.01.2022 So what is a housing bubble? Start with this lot

02.01.2022 Got a legal question? Come along (and have breakfast as well)