JCJ Mortgage and Finance Brokers | Finance

JCJ Mortgage and Finance Brokers

Phone: +61 418 924 339

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25.01.2022 The RBA has decided to keep the official cash rate on hold at 1.0%. The cash rate remains at its lowest level in Australian history. The RBAs recent decisions have prompted plenty of movement in interest rates amongst the big lenders. Some have passed on sizeable reductions in variable rates, while others have been slammed for not passing on the full rate cuts. Overall, interest rates remain low, theres strong competition amongst lenders for borrowers of high credit quality..., and home values continue to be soft in most markets. In other words, now is a great time to buy! Need advice about your finance? Please get in touch.

24.01.2022 Congratulations Clare on securing your dream property. JCJ were so happy to be a part of this journey. Thanks so much for your feedback. It definitely made our day Thank you Andrew Leslie who was amazing beyond belief for getting my finances in order on time for me to go to Auction. I would totally recommend him to anyone who needs their finances in order

23.01.2022 At its July meeting, the Reserve Bank of Australia chose to keep the official cash rate on hold at 1.5 per cent. What this means for you? Even though the official cash rate remains unchanged, lenders continue to make interest rate moves. Last month, the big four banks increased rates on interest-only loans and at the same time, cut rates on principal and interest loans, particularly for owner occupiers. These rate adjustments were designed to encourage borrowers to switch t...o principal and interest loans to pay down their debt while interest rates are still low. The changes followed an earlier crackdown by the Australian Prudential Regulatory Authority (APRA) with regard to interest-only lending. The new financial year has arrived and its a great time to review your home loan. With so many changes happening, its extremely important to check your interest rate and loan features at least every 12 months. Well do all the legwork to compare the market and ensure your loan still meets your financial situation and goals. Call us today, wed love to help! Andrew Leslie Managing Directer Mobile:0418 924 339 www.jcjfinancebrokers.com.au

23.01.2022 Rates on Hold As the holiday season rapidly approaches, the Reserve Bank of Australia (RBA) met today for its final meeting of 2018. As expected, they have elected to keep the official cash rate on hold at 1.5%, where it will remain until their next meeting in February 2019. This is the 27th meeting in a row where the RBA has left rates unchanged. Comments from the RBA last month indicated they would wait to review this quarters economic data before considering a rate adjust...ment, and it seems likely that it will be some time away. Meanwhile, home values and auction clearance rates continue to slide in most markets it could be a great time to grab a bargain if youre looking to buy a home. Call us today to find out more. 0418924339

22.01.2022 Great news for homeowners and borrowers! At its June meeting today, the Reserve Bank of Australia (RBA) cut the official cash rate to just 1.25% - the lowest level in Australian history. Analysts widely predicted a rate cut would follow hard on the heels of the Federal Election and during May, many lenders started to cut rates on both variable and fixed rate home loan products in anticipation of todays move. While passing on the full cut is often avoided, this time it seems likely borrowers will enjoy the full benefits as the big banks work to restore trust following last years Royal Commission. With home values also continuing to soften, this could be a great opportunity to make your next move up the property ladder. Call us today to find out more.

22.01.2022 You shop around for the perfect car so why wouldn't you shop around for the perfect finance. JCJ do car loans and equipment finance and we currently have some Red Hot rates from our panel of lenders. Call or email us today

22.01.2022 Once again we find ourselves at the mercy of Telstra. Apologies to anyone having difficulty contacting us. We are working in town daily with meetings and checking messages and emails but often phone calls are not coming through where we live as the 4g tower is out again. Please leave a message as we will get it and get back to you as soon as we can. Thanks for your patience and sorry for any inconvenience.

22.01.2022 On Tuesday, Australias banking regulator announced its plans to relax the assessment rate for home loans, effectively meaning home buyers could borrow more money. https://www.domain.com.au//the-difference-the-relaxed-le/

21.01.2022 Great News - Stamp Duty scrapped for NSW first-home buyers. Conditions apply- see article below For all First Home buyers out there, having the time and energy to shop the loan market for the best rate and doing the application can often be put in the too hard basket.... JCJ are here to make the whole process easy. Not only that is we charge nothing for our service and offer rates from 12 different lenders. Visit our website www.jcjfinancebrokers.com.au for testomonials and call us today 0418924339. JCJ- the smarter way homeloan http://moneymag.com.au/stamp-duty-slashed/

21.01.2022 Another Rate Cut announced! As anticipated by market analysts, the Reserve Bank of Australia (RBA) cut the official cash rate for the second month in a row, bringing it to just 1% p.a. a new historic low. RBA Governor Philip Lowe said last month the possibility of lower interest rates remains on the table and many analysts expect at least one more RBA rate cut by November this year. Meanwhile, most lenders passed on last months rate cut to borrowers, causing home loan interest rates to hit their lowest levels since November 2016. On the property market front, CoreLogic reported that home value falls are slowing and auction clearance rates are up, so if youre looking to buy a home it could be a good time to make a move. Call us today to find out more.

20.01.2022 Reserve Bank Keeps Rates on Hold At its August meeting, the Reserve Bank of Australia chose to keep the official cash rate on hold at 1.5 per cent. How will this news affect your situation? With no cash rate movement from the RBA, interest rates remain competitive so it could be a good time to purchase a home, investment property or to refinance. Lenders are continuing to make rate moves to encourage interest-only borrowers to switch to principal and interest loans, so call u...s if you want to find out more. The Australian dollar soared after last months RBA announcement, following media speculation the RBA would like to raise interest rates to 3.5 per cent. However, comments from the RBA indicate its unlikely there will be any cash rate movements until late next year. Remember, if you are looking to purchase property and want to find a competitive loan, or just want to be certain your current loan still meets your financial needs, we would love to help. As your mortgage broker, well compare loan products to find you a suitable option for your financial circumstances. Please get in touch. Andrew Leslie Managing Directer Mobile:0418 924 339 www.jcjfinancebrokers.com.au We are committed to protecting your privacy. We use the information you provide to assist you with your credit needs, including the preparation and submission of loan applications. We also use it to send you product information and promotional material. From time to time this will include direct marketing communications but we will always give you the option of not receiving these communications. We provide your information to our credit licensee (Connective Credit Services Pty Ltd) and the companies with whom you choose to deal (and their representatives). We may also provide your information to contractors who supply services to us (e.g. to handle mailings on our behalf), and to others if we are required to do so by law. We do not trade, rent or sell your information or disclose it to overseas recipients. If you dont provide us with full information, we cant properly advise or assist you with loan applications. Our Privacy Policy contains information about how you can access and ask us to correct your information, or make a privacy related complaint. You can obtain a copy by contacting your broker or visiting our website. Your consent By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above. For more information on your privacy rights please visit www.privacy.gov.au PS. As always, we would be very happy to assist any of your family, friends or colleagues with their home or investment loans, so please send them to us for a no-obligation consultation. Sources: www.rba.gov.au, www.smh.com.au, www.afr.com/personal-finance

20.01.2022 RATE-CUT= TIME TO REFINANCE WITH JCJ Make an appointment today at our new office in Narrabri While the autumn wind blows colder, things are heating up in the property market as the Reserve Bank of Australia (RBA) decided to slash the official cash rate to a historic low of 0.50% at its meeting today.... At the previous meeting, RBA governor Philip Lowe said that despite expectations of stronger global growth this year, the recent coronavirus outbreak has become a source of uncertainty. In the short term, the bushfires and the coronavirus outbreak will temporarily weigh on domestic growth. He also said that we may expect an extended period of low interest rates. The Board will continue to monitor developmentsIt remains prepared to ease monetary policy further if needed, Lowe said. The cash rate is the lowest its ever been and lenders are offering competitive rates to help you achieve your property goals. If you have had your mortgage for a while, nows the perfect time to make the most of the cash rate cuts, so let us help you out. Get in touch today!

20.01.2022 Christmas Giveaway! Refinance your current home loan with JCJ before Xmas and we will give you $200 to spend on us. Myth: Refinancing is too much of a hassle Fact: It doesn't have to be- our expertise is making the process quick and easy-we negotiate the better rate, organise the paper work and liaise with the lender. Refinancing is rewarding and an easy way to save money. ... Call us today -we will tell you over the phone if we can get you a better deal and then we will make it happen 0418924339 See more

20.01.2022 This is great news for borrowers. Home loan borrowing capacity to be boosted as APRA scraps rule. The changes could allow a household on an average income to borrow up to $77,000 extra from a bank, while an average full-time worker could borrow up to $66,000 more, figures from comparison website RateCity suggest. Call us today to see how much more you can borrow 0418924339... https://www.google.com//home-loan-borrowing-capacity-to-be

19.01.2022 +++++ Rates on Hold ++++ As expected, the Reserve Bank of Australia (RBA) decided to leave the official cash rate on hold at 1.5 per cent at their August meeting today. So how will this affect you? Property market conditions continued to turn in favour of buyers last month. Home value movements are minimal, auction clearance rates have dropped, and properties are on the market longer. Interest rates remain low, with lenders only making small changes to account for their lendi...ng costs. Now is the time to take advantage of these market conditions to negotiate the price on your next property purchase. Were ready to assist with a competitive deal and pre-approval on your loan. Call us today to find out more. Andrew Leslie Managing Directer Mobile:0418 924 339 www.jcjfinancebrokers.com.au

19.01.2022 T H R E E D A Y S T O G O #bringingjcjtoyou #yearofnewbeginnings

18.01.2022 INTEREST RATES ON HOLD At its first meeting for 2018, the Reserve Bank of Australia (RBA) decided to leave the official cash rate unchanged at 1.5 percent. What does this mean for interest rates? With the latest Australian Bureau of Statistics' consumer price inflation report (CPI) coming in below expectations last week, few analysts think the economy will improve enough to see any interest rate increases from the RBA this year.... According to some analysts, the RBA won't increase rates until the inflation rate has gone up quite a bit - probably not until June 2019. Some lenders cut rates on their fixed rate owner-occupier loans in January. There were also some very competitive deals released for principal and interest investment loans. Contact us if you'd like to know more. With the RBA unlikely to make changes to the cash rate anytime soon, lenders will continue to make their own interest rate adjustments throughout the year. Please stay in touch and we'll help you stay on top of any changes from your lender, or news from the property market in your area. PS. It's the new year! If you're in the market for a new loan, have had your home loan for a while, or would just like us to check your borrowing power and rate, now is a great time to give us a call to get the ball rolling. If your family, friends and colleagues could benefit from our advice, we'd love to help them too. Andrew Leslie Managing Directer Mobile:0418 924 339 www.jcjfinancebrokers.com.au We are committed to protecting your privacy. We use the information you provide to assist you with your credit needs, including the preparation and submission of loan applications. We also use it to send you product information and promotional material. From time to time this will include direct marketing communications but we will always give you the option of not receiving these communications. We provide your information to our credit licensee (Connective Credit Services Pty Ltd) and the companies with whom you choose to deal (and their representatives). We may also provide your information to contractors who supply services to us (e.g. to handle mailings on our behalf), and to others if we are required to do so by law. We do not trade, rent or sell your information or disclose it to overseas recipients. If you dont provide us with full information, we cant properly advise or assist you with loan applications. Our Privacy Policy contains information about how you can access and ask us to correct your information, or make a privacy related complaint. You can obtain a copy by contacting your broker or visiting our website. Your consent By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above. For more information on your privacy rights please visit www.privacy.gov.au Sources: www.rba.gov.au www.abs.gov.au Unsubscribe | View Online

18.01.2022 Apologies if anyone has had difficulty contacting JCJ at the moment. Telstra informs us that the 4G/3G tower in our area is down and has been for a week. Hopefully they tell us it will be fixed sometime next week! We are receiving calls and emails intermittently. Please email us if you have difficulty getting through on the phone Thank you

17.01.2022 After hours meetings are a big part of what JCJ do to help our clients get that loan approved in the minimal time and make the process easier. On Saturday it was a visit to a client in Gunnedah to sign some documents. Tonight its a visit to a new client in Narrabri. Call or email us today JCJ the smarter way to do home loans or refinance.

17.01.2022 T W O W E E K S T O G O #yearofnewbeginnings #bringingjcjtoyou

16.01.2022 Rates On Hold At its May meeting yesterday, the Reserve Bank of Australia (RBA) decided to keep the official cash rate at 1.5% - despite speculation from economic analysts that there may be at least one, or possibly two RBA rate cuts by the end of this year. However, it seems the RBA has elected to wait until after the Federal Election before making any moves. Meanwhile, the housing price correction continues with all property markets showing falls during April except the ACT, creating some great opportunities for those in the market to buy a home. Call us today to find out more.

15.01.2022 Thanks Josh and Taya! JCJ are starting 2018 feeling grateful that we have the best clients and excited about the year ahead. " We started looking for our dream home/property in 2016 & we found it fairly quickly. This was our second property purchase and after 18 months of going back & forward with one of the big 4 banks directly we were mentally, physically and emotionally drained. JCJ Finance came highly recommended to us by a friend. At that point in time we had nothing to ...lose & everything to gain by calling JCJ. From the very first phone call right through to settlement everything has just been EASY dealing with JCJ Finance Brokers. JCJ met with us at times that were convenient for us & they went out of their way, going above and beyond to cater for our individual financial needs. They are flexible, reliable, trustworthy and above all they cared about our family. Having someone like JCJ to guide us and support us through the home loan approval process took away the stress, pressure and worry. It meant that we could focus on everything else that comes with buying a house, knowing our finances were taken care of by someone we trusted. We can't thank JCJ enough for helping us purchase our property & would highly recommend them to everyone as a first point of call when purchasing a home/property." Regards Josh & Taya (Please note- the photo is not a picture of Josh and Taya but of some other excited home owners )

14.01.2022 Thank you to all our Commonwealth Bank clients who have obviously left some great feedback about your Home Loan experience using JCJ. This certificate arrived in the post the other day and is a great reminder of why we do what we do -how customer service and outcomes will always be JCJs number 1 priority. You have been recognised as a CommBank Elite Broker- You consistently deliver superior customer service and outcomes, helping CommBank achieve our vision to deliver the best home buying experience for our customers

11.01.2022 What a win for spring property hunters and homeowners! The Reserve Bank of Australia (RBA) has slashed the official cash rate to an historic low of 0.75%. Prior to the announcement, RBA Governor Philip Lowe had hinted at more cash rate cuts to come, following reductions in June and July. Governor Lowe said an extended period of low interest rates would be required to reduce unemployment and reach the inflation target. Given the cash rate cut and the fact that lenders may pass on the reduction, now is the perfect opportunity to have us check whether you are getting a competitive deal. Weve never seen such low rates before, so its worth exploring your options. Give your home loan a spring clean get in touch today.

10.01.2022 And another one

08.01.2022 Watch this space.... https://www.google.com//australian-interest-rate-cut-r/amp

07.01.2022 So clever and so sums up what we do - we work to save you money and get you the best deal- bottom line "Like Uber Eats, we rely on customer outcomes in order to succeed in our own business. Were not fed leads unlike the banks, who have a database of thousands of existing customers to choose from so we need to be the best at what we do. We do this by making you, our customer, happy and successful." http://mortgageguy.com.au//independent-mortgage-broker-lo/

06.01.2022 At its emergency meeting yesterday the Reserve Bank (RBA) announced a cash rate cut of 0.25%, bringing the cash rate to 0.25% the lowest in Australian history! This cut was made in response to the global coronavirus (COVID-19) crisis, which has been declared a pandemic by the World Health Organization (WHO). Australia has entered unchartered economic territory and uncertainty associated with the COVID-19 outbreak. The RBA made the decision to decrease the cash rate to help mitigate the economic impact of the pandemic. Many lenders reduced their interest rates in response to the cash rate cut earlier this month so, if youre looking to buy a new property or refinance now is a good time to get in touch.

06.01.2022 2020 is the year of New Beginnings at JCJ and we cant wait to share the details with you. Watch this space

06.01.2022 +++July Refinance Cashback offer+++ JCJ have a Major Lender offering a generous $2000 cash back for all Refinance Loans this month. If you have ever wondered if you should refinance this offer is a great reason why now should be the time. JCJ can tell you over the phone if the switch is going to save you money and if it does we will do the hard work. Email or call today 0418924339.... Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many reasons why homeowners refinance: the opportunity to obtain a lower interest rate; the chance to shorten the term of their mortgage; the desire to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or vice versa; the opportunity to tap a home's equity in order to finance a large purchase; and the desire to consolidate debt.

06.01.2022 JCJ proudly seeing in the last game of the season. Tusk Up Blue Boars!

05.01.2022 Fact finding this Tuesday to the awesome sound of rain

03.01.2022 At its November meeting on Tuesday, the Reserve Bank of Australia has kept the official cash rate unchanged at 1.5 per cent for the 15th consecutive month! What else is happening in our markets? Future rate movements: Some analysts are speculating we will see our next rate cut in 2018, following recent declines in auction clearance rates, and indications of overseas investors withdrawing from the market.... Interest only loans: Figures released last month revealed our major banks cut back interest only lending by $4.5B over the past year. We know which lenders are still offering these loans, and which ones have the most competitive rates, so get in touch if you need help locating the right product for your needs. Owner occupier loans: There are some very competitive rates available for those looking to buy their own home right now. Some lenders are also offering special deals to encourage first home buyers to get into the market. Talk to us if youre looking to put a foot on the property ladder this spring wed love to help! Property market activity: In the last week of October, the combined capital cities saw the number of auctions reach a new year-to-date high, with a total of 3,690! There are plenty of properties available, so please contact us now to arrange pre-approval on your loan. Andrew Leslie Managing Directer Mobile:0418 924 339 www.jcjfinancebrokers.com.au

01.01.2022 Yesterday at its first meeting for 2020, the Reserve Bank of Australia (RBA) decided to keep the official cash rate unchanged at 0.75%. This is still the lowest its ever been! While the first 2020 decision is to hold the cash rate, economists are predicting more rate cuts to occur early this year. However, RBA governor Philip Lowe has expressed that negative interest rates are unlikely and that the result of the previous cuts is already taking effect. This pick-up in growth... should see a reduction in the unemployment rate and a lift in inflationso we are expecting things to be moving in the right direction, although only gradually. Lowe said. With this announcement and further cut predictions, it is likely that interest rates will remain low for a while. Mortgage rates are also at their lowest, so lenders are offering competitive loans. Speak with us today for a mortgage refresh! 0418924339

01.01.2022 Looking through our Facebook page today and saw this post from a while ago. For those of you who dont know my hubby aka the man behind building the business, he took a massive leap of faith 8 years ago and left the stability of a good steady income with the Bank and went out alone. It hasnt been smooth sailing as many of you who own their own business will know. Hes also not really a salesman so you wont hear him selling his services to you ( thats my job ) which has ma...de growth a bit slower in a small town but word of mouth is an amazing thing. Fortunately people who know him know what I know- Andrew is good at number crunching, he knows the industry so well, hell fight on behalf of his clients to a bank to get a deal through but most importantly he cares about people and wants to help them. I wanted to share this post again today to remind him hes got this and to thank you for liking our page and supporting our business, it means so much and more See more

01.01.2022 The day is finally here! We are officially open for business in Narrabri. JCJ new office is at Davidson and Camerons Real Estate.