Pacifica Loans in Liverpool, New South Wales | Mortgage brokers

Pacifica Loans

Locality: Liverpool, New South Wales

Phone: +61 451 442 515

Address: Suite 2/220 Northumberland St 2170 Liverpool, NSW, Australia

Website: https://pacificaloans.com.au

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25.01.2022 Is your old equipment slowing you down? Old tech? Outdated machinery? Vehicle breakdowns? Will the purchase of new assets or equipment speed you up, help you become more efficient and help you get ahead? Asset finance is often the answer. ... Financing new equipment, instead of purchasing it outright, can be a good way to preserve cash flow and working capital while adding an asset that can begin to generate immediate income. And, of course, there may be potential tax advantages that could also come your way.

22.01.2022 Another Tongan family, Touta'i Fifita, sharing the love and the blessing of having their first property. It's easier when we all "fetokoni'aki", share the experiences, the blessing and the knowledge of how to get your first, second property. Enjoy and "SHARE THE LOVE".

21.01.2022 Read this before you sign on the dotted line: Have you been asked to act as guarantor for your child or another family member? Before you whip out a pen and sign the contracts, you need to hear Wendy's story. Wendy is in her mid- sixties, and lives in Perth with her son. She has a granny flat at the rear of her son's property where she stays with her two dogs, Millie and Ellie....Continue reading

21.01.2022 Another happy young Tongan family moving into their first home. Pacifica Loans can help you find the right Lender that can make your dreams come true as we have access to more than 30 Lenders. We look for the right bank and you look for the perfect house. ... This can be your family. You want to find out more, complete the link below. https://pacificaloans.kartra.com/page/gwe192

20.01.2022 Here are some Super Savings: In March this year Australian workers had more than $1.8 trillion stored away in superannuation funds, in part thanks to a system that generally requires employers to pay a contribution on employees behalf. From July 1, this required employer contribution jumped .25% to 9.5%.* For many wage and salary earners who benefit from these compulsory super contributions, super is often something they think about once a year when their statement arrives i...Continue reading

20.01.2022 Drive away in your dream car. Contact me for a low cost carloan.

18.01.2022 What you need to know about the most important part of your home loan: Are you an expert on all lending related topics? That's okay - most people aren't. If you're still trying to understand the truth about interest rates, you're not alone. Here are a few answers to the questions you were too embarrassed to ask. How are interest rates determined?... The Reserve Bank of Australia (RBA) sets the official interest rate or 'cash rate' which takes into account a whole list of factors about how the economy is performing at that point in time. The RBA meets once a month to review the inflation rate, unemployment figures, CPI, PPI and retail sales, and from that information they decide whether to increase, decrease or leave on hold the official cash rate. The cash rate is the interest rate that the banks and lenders will pay to the reserve bank. If this increases, your lender will usually pass the cost onto you - the borrower. If the cash rate decreases - the reserve bank intends that the savings should also be passed on by your lender - but this isn't always the case. By moving the interest rates up and down, the RBA tries to keep the Australian economy in check, by either slowing things down to keep the cost of living under control, or speeding up spending to help boost growth in certain areas. What are the different types of interest rates? The two main types of interest rates are Variable and Fixed. Variable rates are usually a bit lower, and you pay the best going rate at the time. If the cash rate increases, your lender will increase your variable interest rate. But if the cash rate decreases, your repayments will usually go down. Fixed interest rates are locked in for a period of time -usually just a couple of years - so that you know exactly how much you will need to budget for. This can be helpful for borrowers on a strict budget who can't afford a lot of interest rate rises in the short term. However you will usually pay a higher interest rate overall if you choose this option. Which interest rate is best for me? The decision of whether to choose a variable or fixed interest rate should be made after carefully considering your own personal needs and commitments. A mortgage broker should be able to help you weigh up the pros and cons to work out the best option.

13.01.2022 Ke tokoni atu kia nautolu 'oku ngaue pe kia moutolu pe self-employed; 1. Sole Trader 2. Company 3. Partnership... Ka 'oku ke fiema'u ke fakatau ha 'api koe me'a 'eni 'oku fiema'u; 1. ABN ke lesisita ta'u 2 pe loloa ange 2. lesisita GST 'aho 1 pe loloa ange 3. Hisitolia fakamo'ua ke sai 4. deposit 20% Ka 'oku ke fiema'u ke refinance ke ma'u ha interest rate 'oku saiange pe toe fakatau ha 'api pe koha faahinga 'uhinga lelei koe me'a 'eni 'oku fiema'u; 1. ABN ke lesisita ta'u 2 pe loloa ange 2. lesisita GST 'aho 1 pe loloa ange 3. Hisitolia fakamo'ua ke sai 'Ikai leva ke toe fi'ema'u 'ae fakamatala paanga meihe ta'u 'e 2 kuo 'osi he teta ngaue'aki pe 'ae tohi moho'o Accountant. Founga ko eni 'e 'ikai teke ma'u ia meihe pangike. Kataki 'o fakafonu 'ae link 'i lola pe msm mai pe keta talanoa. https://pacificaloans.kartra.com/page/gwe192

12.01.2022 Mortgage traps ahead! - Don't fall in. Do you love a bargain? It can feel like such a victory when you find that special deal on a new TV, or when you save a bundle by doing your Christmas shopping during a toy sale. Unfortunately, this sort of approach to looking for a mortgage can easily land you in hot water. Whilst it always pays to look around for a good deal on a home loan - there's also an old saying: "If it sounds too good to be true, it probably is".... There are a few fatal traps when it comes to choosing the right loan for you. Unfortunately the excitement of buying your first home can be all too distracting, and it's easy to put your foot in it by failing to research your loan options. Irresistible Offers The majority of lenders are very responsible and cautious, and only give out loans to people likely to make their repayments. These lenders will offer the best deals their desired customer - usually someone who earns a good income, has a clean credit history report, and has a decent deposit to contribute. If you know that your circumstances don't make you particularly appealing to a lender, but you're being offered a crazy deal - there might be something amiss. Take some time to read the fine print and make sure that the loan contract doesn't contain any nasty surprises. Remember - there's no such thing as a free lunch! Fixed rates You might be tempted to lock in a low interest rate for a couple of years so that you can have the peace of mind that comes with knowing your repayments. The danger here, though, is that you might be missing out on features that you need, or being charged additional fees. Make sure that you research all aspects of the loan, rather than just focussing on the interest rate. Fees and Charges Loan contracts can be very detailed - packed full of confusing words and legal disclaimers. But one section that you should study with a magnifying glass is the schedule of fees and charges. Do you know whether you can make changes to your repayments? How much will it cost if you default on a repayment? What is the fee associated with ordering a statement ahead of time? And importantly - what establishment fees will you have to pay at settlement? If you don't know this amount, you might not be able to proceed with your purchase and you could lose your deposit. Flexibility and Features It's important to consider what features you need in a loan - do you want to be able to make extra repayments when times are good? Would you like to be able to take that money back again if something doesn't go according to plan? What about if you want to change your repayment frequency? The features of your loan are just as important as the interest rate - and not paying attention could mean that you end up paying a lot more in the long term.

11.01.2022 Do you know what your credit record says about you? Have you ever actually seen it? For many borrowers, it can be quite a surprise to learn that a few blotches have appeared over the years on their credit history report. ... Unfortunately, many are blissfully unaware until they apply for a home loan. Once your application has been lodged, it can be tricky to challenge your credit report and prove your worth to the lenders. Don't let this happen to you. Enrol in boot-camp today and get your credit record in shape - and the good news? You won't need to squeeze into the Lycra and start counting calories. 1) Review your credit record The first step is to get your hands on a copy of your credit history report. This can usually be done through your mortgage broker, or by directly contacting a Credit Reporting Body. There are quite a few companies who can provide your credit report to you, but the national bodies are: Veda, D&B, and Experian. 2) Challenge any discrepancies or misunderstandings If you think that there's a discrepancy on your credit history report, you can challenge these. The first step is usually to contact the company who added the incorrect information to your report, and see if they can amend it. Failing this, you can dispute the discrepancy through a Credit Reporting Body. 3) Be honest It pays to be upfront with your lender about anything on your credit report that could impact your ability to borrow. Most lenders are fairly strict, but some will take into account your explanation credit issues, and the steps you took to resolve them. 4) Cut down debt and credit Before you apply for a loan, try to reduce the amount of credit card debt - and also available credit that you have. Some borrowers are surprised to learn that a credit card with no debt owing at all - but with a high limit, can have an impact when being assessed for a loan. Try to reduce your limits wherever possible, or if you don't really use the card then consider cancelling it. 5) Know your finances Come to the first meeting with your lender or broker, prepared to explain your budget, expenses, income and your capacity to repay the loan. It's also important that you can demonstrate savings, as most lenders will require at least 5% of the purchase price in order to approve a loan. When it comes to the deposit, the more you can pay upfront, the greater your chances of being approved for a loan. If you can put down 20%, you will remove the need for Lenders Mortgage Insurance (LMI) which could represent significant savings for you.

11.01.2022 Australians are enjoying the lowest interest rates in history. It is no coincidence that the growth of the Mortgage Broking industry has forced the big banks to compete for your business by lowering their interest rates. Without us, everyone will be paying more for their home loans. https://www.afgonline.com.au/broker/keep-competition-alive/

11.01.2022 Fakamalo atu kihe famili 'o Manulevu Fifita mo hono foha ko Tokemoana Toutai Toko Taha Fifita he loto ma'u lalo 'o fakakoloa'aki 'ae Pacifica Loans 'ae tokoni ke lava fakatau ai 'ae 'api ko eni. Father and a son team up to purchase the family first property. What a blessing to your family and Pacifica Loans. Share to your family and friends and let's help all the Tongan families in Australia to have the same blessing. ... For more information contact us on 02 9601 1100 or complete the link below. https://pacificaloans.kartra.com/page/gwe192

10.01.2022 We have all heard of credit reporting, but have you heard of credit scoring? Your credit file is one of your most important financial assets. Safeguarding this file is an important part of the finance application process. Your credit file contains... - credit applications - overdue credit accounts - payment defaults - clearouts (as a missing debtor) - commercial credit information - public record information. You will have a credit score calculated from your credit file. Did you know that a score of less than 500 will severely affect your ability to gain finance from many lenders? Read our one page guide - "Keeping Score" - to find out more. https://www.mortgageaustralia.com.au//fil/keepingscore.pdf

10.01.2022 Have a Great week.

09.01.2022 If you are thinking of buying - start your research with a Free Suburb Profile report. Australian consumers have grown to be exceptionally educated when it comes to researching the property market. Not a day goes by when there isn't an article in the media reporting some aspect of the property market.... Information providers like MyRP Data make researching the local marketplace much easier for the average buyer, seller or investor. Visit www.myrp.com.au/n/free-suburb-profile/myrp-545 for a free suburb profile report. Please also download this guide for more details. https://www.mortgageaustralia.com.au//savvypropertypurchas

07.01.2022 With fewer first buyers taking out home loans than a decade ago12, one might have concerns for the future of the Great Australian Dream. While affordability is squeezing high-demand capitals, such as Sydney and Melbourne, interest rates remain at record lows, continuing to give astute first-time buyers opportunities to purchase their piece of the property pie. Just because you cant afford what or where you want to buy first up, doesnt mean you should forego property altoget...Continue reading

07.01.2022 BUYER BEWARE THE BARGAINS Limited cash flow and equity mean many first-time property investors feel the need to chase down a bargain to enter the market. But, like most things in life, you usually get what you pay for, which in the case of property can mean unrealised returns or even losses. While theres nothing wrong with paying less in the hope of making more, investors need to understand when a cheap property is truly a bargain and when they could be selling (or rath...Continue reading

07.01.2022 Federal and State Governments review their incentive schemes for First Home Buyers with each annual Budget. To find out the latest benefits you are eligible for, visit http://www.firsthome.gov.au/. If you have any questions or would like some help in obtaining all the benefits you can, I'm here to help. https://www.firsthome.gov.au/

04.01.2022 One size doesn't fit all when it comes to home loans. Make sure you choose a loan with the features and benefits that are right for you. Here's a guide to common loan features and benefits. 1) Interest only repayments...Continue reading

03.01.2022 KOE VAHEVAHE 'OE A'USIA - NGAAHI FAKAKAUKAU MOHA 'ILO FE'UNGA KE FAKAHOKO 'AKI 'AE FILI PE TEKE FAKATAU 'API 'O LANGA PE FAKATAU HA 'API KUO 'OSI NOFO'I - KOE FILI KIAI KOE ME'A TAU'ATAINA PE IA 'A'AU!