John Salamastrakis Mortgage Broker | Businesses

John Salamastrakis Mortgage Broker

Phone: +61 423 240 811

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25.01.2022 Borrowers urged to ‘take action’ and shop around Mortgage-holders have been encouraged to get on the front foot and search for better deal ahead of the expiry of COVID relief assistance. I urged borrowers, particularly those on loan repayment holidays, to proactively hunt for a better deal, given that further cuts to the cash rate from the Reserve Bank of Australia (RBA) are unlikely.... We are still in a highly competitive lending market, and banks will offer a better deal if you are ready to resume repayments. There’s no point waiting for the RBA to cut official rates again. Do not be complacent about the interest rate you are currently paying as this can potentially cost you a lot of money. Mortgage-holders with a variable rate exceeding 3 per cent need to take action. According to the RBA, the average variable rate by owner-occupiers on new loans in June was 2.92 per cent. So, if you are still in the ‘3’ zone you should be asking your lender for a better deal, or engaging an experienced mortgage broker to ask on your behalf. Banks would be open to negotiating a cheaper rate with customers, particularly deferral customers resuming home loan repayments. There are deals aplenty for new borrowers or for existing borrowers with a good credit history. RBA governor Philip Lowe has repeatedly stressed that rates would remain unchanged for some years to come, with the COVID-19 crisis stifling progress towards the central bank’s employment and inflation targets. The central bank governor also recently reiterated that a move to negative interest rates would be extraordinarily unlikely. Reacting to the RBA’s decision, Mortgage Choice CEO Susan Mitchell said the interest rate environment, along with state and federal government incentives, would help support transaction activity, which has impacted by the economic fallout from the COVID-19 crisis. The low cash rate continues to drive historically low home loan interest rates. This, coupled with unprecedented levels of government support in the form of grants and incentives, creates opportunity for prospective buyers, she said I would encourage Australians looking to buy their first home to speak to a mortgage broker to understand how they can access the support available and to put their best foot forward when applying for a home loan. For further help contact me. Story from The Adviser

25.01.2022 A small gift for another happy new home owner...

24.01.2022 Without mortgage brokers, finding a home loan will be harder and could become more expensive. Sign our online petition at www.brokerbehindyou.com.au and keep competition alive. #dontkillcompetition #yourbrokerbehindyou

24.01.2022 Giving your children a head start in life is easier than you think. A financial literacy session with me can not only help your children's future, you may also pick up a hint or two. We give back to the community with free education for all. Let's make a time to grab a coffee and chat. It is as easy as Hitting Contact Us

23.01.2022 Winter update Newsletter - https://mailchi.mp/d45ebb57ae60/winter-update-newsletter

23.01.2022 Financial relief for bushfire affected communities Australia is currently experiencing catastrophic bushfires. The impacts of the ongoing bushfire crisis are devastating....Continue reading

22.01.2022 Let me help you grab the keys...... Start the car...enjoy a road trip. Car, bike, boat and caravan finance that will help you get away and enjoy what life has to offer

21.01.2022 Get an idea of what your suburb has done over the past 12 months. Its not all gloom and doom, even in this uncertain period of Covid.

21.01.2022 Some helpful information.

19.01.2022 The cheapest option is not always the best. Let me guide you to options that fit your needs. Click Contact us and let us get together to discuss how we can help.

19.01.2022 Have you been touched by Cancer ? Help us fight back. We support many charities over the year as a group. This is particularly close to me as I have lost family to Cancer. Please help support or Director (Brett Mansfield) and sponsor him on his ride to cure cancer. Donate by clicking on the link.

16.01.2022 Do not get caught out. Protect yourself. Cover is quick and painless.

15.01.2022 Need renovations ? A new car ? A holiday. We can help. Personal loans and car loans are among the full package we can help you with. Not just home loans

12.01.2022 Can I improve my Credit Score? The easy answer here is yes, but it is a process and one that must be consistent and ongoing in order to make an impact. Improving your credit score is a commitment and discipline but one that is well worth the time and effort. Putting the following steps in place will not only improve your credit score, it’ll set you up with good healthy credit strategies for a more secure financial future. Step 1- Pay on time...Continue reading

12.01.2022 The 5 minute debt Makeover Email me listed information and if we think we can find a better solution that is suitable for your individual circumstances, we provide a quick overview. Everything is strictly confidential and we only recommend changes if we believe there is a clear benefit for you to do so.... 1. Simply copy the points below Name: Mobile: Owner occupier/investor: Current lender: Interest rate: Loan balance: Loan term: Fixed/variable/split: Value of property: 2. Create a new email to us 3. Paste the points into your email, fill out the details then hit send!

12.01.2022 Need renovations ? A new car ? A holiday. We can help. Personal loans and car loans are among the full package we can help you with. Not just home loans

11.01.2022 Looking at buying, selling or want to know more about your suburb. Click the link for a detailed look https://reiwa.com.au/the-wa-market/perth-metro/

11.01.2022 More affirmation that Commissioner Hayne Got it wrong. Now for Government to get it.

08.01.2022 Get an idea of what your suburb has done over the past 12 months. Its not all gloom and doom, even in this uncertain period of Covid.

07.01.2022 Hi All, Each year the Buyers Choice philanthropy program supports a range of initiatives for the public good and in 2021, as in 2019, we are supporting cancer research through an active participation in the Tour de Cure. The Tour de Cure is raising funds which are destined for the Olivia Newton-John Foundation. The 2021 VIC Discovery Tour will be held from Friday 26th - Sunday 28th February 2021. This tour will raise significant funds to continue investment in world class can...cer research being done in Victoria. This tour is aiming to raise over $700,000 and as a participant I am seeking to contribute a minimum of $3,000 towards this inspiring target. All donations are welcome and can be made with a right click on the image below or using this link - https://www.tourdecure.com.au/profile/

07.01.2022 March Newsleter - https://mailchi.mp/4f9fe54e6866/march-newsleter

04.01.2022 March Newsletter - https://mailchi.mp/353eaec7299d/march-newsletter

03.01.2022 Looking at buying, selling or to get an idea of your suburb. Click the link for a detailed look https://reiwa.com.au/the-wa-market/suburb-profiles-search

02.01.2022 The cheapest option is not always the best. Let me guide you to options that fit your needs. Click Contact us and let us get together to discuss how we can help.

01.01.2022 Do not get caught out. Protect yourself. Cover is quick and painless.