Rohith Dsouza Financial Advisor and Mortgage Specialist in Melbourne, Victoria, Australia | Loan service

Rohith Dsouza Financial Advisor and Mortgage Specialist

Locality: Melbourne, Victoria, Australia

Phone: +61 424 238 589

Address: 58 POATH ROAD HUGHESDALE 3166 Melbourne, VIC, Australia

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

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25.01.2022 Congratulation to Maxim and Lavina on their lovely new home in the Western Suburbs of Melbourne. Thank you for engaging me to assist with your home loan, thoroughly enjoyed working with you. Best wishes to you in your new home. Buying your first home can especially be a very stressful time if you're not in the right hands, hence calling a mortgage broker like myself - I will show you ropes and explain all the features available to you so you make the right choice for your future. Call me if you have any questions on 0424238589 or make an obligation-free appointment with me at any time that suits you. I look forward to hearing from you!

25.01.2022 ADVANTAGES OF TALKING TO YOUR ADVISER ABOUT HEALTH INSURANCE With over 40,000 products in the health insurance market competing for attention, choosing the right cover can be daunting. The marketplace can seem confusing and expensive - but there are ways to narrow the field. It can help to start someplace you might not expect - your financial adviser. There might be opportunities for your health insurance to work in tandem with other types of cover you already have, giving yo...u more confidence in how youre protected. Plus, advisers have access to discounts that could save you money, as well. Talking to your adviser about health insurance could help streamline your finances and different insurance policies, allowing you to get all your cover from one trusted place. When its time to review your health cover, it doesnt have to be overwhelming. As advisers, were committed to finding you the best financial outcomes, and we know the big role financial health plays in your overall wellbeing. Talking to your adviser about health cover could save you money and give you more confidence in the policies you have. If you want to find out more, please call me on 0424238589 or email [email protected]

25.01.2022 WE CAN HELP YOU MAKE YOUR DEBTS INTO ONE SINGLE PAYMENT. Struggling with debt or behind on bills due to the current situation? Let us consolidate your debts which may reduce your repayments. Call us today on 0424238589 to achieve your financial goals or email [email protected]

23.01.2022 My latest review on RateMyAgent: "Rohith was approachable, available and supported me in all my queries."

23.01.2022 Reserve Bank cuts interest rate to ‘unprecedented’ 0.10 per cent While the Reserve Bank’s decision to cut interest rates will be good news if you’ve got a mortgage. A lower cash rate means borrowing money is cheaper, which is good news for people with mortgages. The low rates this year are also spurring homebuyers to enter the property market.... An average mortgage holder could save $15,000 if banks pass on the cut. For mortgage holders, another rate reduction will be welcome news even a cut of 15 basis points could save the average home loan customer around $500 a year in interest To know more you can make an obligation-FREE appointment with me at any time that suits you, with no consultation fee for any enquiries you may have. Please call me directly on 0424238589 - ROHITH DSOUZA or email me at [email protected] to get you the best rate possible !!! Source https://www.news.com.au///417d09f0252e24e0dd2e0a89bc2126f7

23.01.2022 Do you need Personal Risk Insurance? If youre not sure that you really need personal insurance, ask yourself the following questions: If something were to happen to you, how would your family cope financially?... Would your family be able to continue to pay the mortgage, cover daily living expenses and continue to live the lifestyle they had become accustomed to? Could your children still go to a private school, go on holidays or be able to have those little luxuries you always wanted for them? If you had a bad accident or a long-term illness, how would your family pay the bills? If you dont have a family, who would look after you and would you be able to afford the care? Personal risk insurances provide a financial benefit in the event of you suffering a serious injury or illness, or death. They include term life insurance, total & permanent disablement insurance, income protection insurance, and trauma insurance. What type of life cover do you need and how much cover is enough? I can help you answer these questions as an authorised advisor and to help ensure your family, business and lifestyles are protected financially in case life doesnt go according to plan. Contact me on 0424238589 or email [email protected]

23.01.2022 Everything about the future is uncertain, but one thing is for sure that God had already planned all our tomorrows, we just have to trust him today, I heartily wish a beautiful tomorrow for you and your family. Happy New Year 2020!

21.01.2022 Happy client Vamsi picked up his new car last week after securing a great finance deal with us. If you are looking for the best deals on wheels please contact me on 0424238589 or email [email protected]

20.01.2022 "Looking to get away but need some extra funding? Whether it's a destination wedding, a trip with the family or a last-minute getaway, we can help arrange low rate personal loan to finance your next holiday. Our partners offer a fast, simple process and access to funds typically within 48 hours. Dont delay, get in touch with me today! on 0424238589 or email [email protected]

19.01.2022 When you think Finance, think Craig Finance!!!! A one stop shop for all your financial needs................. Specialising in Residential, Construction, Investment, Commercial, Business, Vehicle, Personal, SMSF and non-resident loans - You might still be saving up for your first home or wondering if you're still getting the right deal with your existing lender. Rather, come see us at any stage in your financial journey so we can give you an evaluation of what is best for you.... You can make an obligation-FREE appointment with me at any time that suits you, with no consultation fee for any enquiries you may have. Call me directly on 0424238589 or email me at [email protected]. We have our branches located in Craigieburn, Hughesdale, Werriebee and Pakenham

19.01.2022 Importance of having Business Expense Insurance Business expense insurance can help to keep your business running if you are unable to work due to temporary illness or injury. This may be particularly appropriate for a sole trader. This type of insurance will usually cover up to 100% of your eligible business expenses, for example rent/lease payments, interest costs, accountants fees, telephone, electricity, etc. However, not all expenses are covered so you should check the ...policy wording before taking out a policy. Alternatively, if you run a larger business you may need to consider life, trauma, TPD or income protection insurance to cover key employees or your business partners in case they die or become disabled and are unable to work. This type of insurance protects your business in the event of the loss of a person who makes a significant contribution towards the profitability or stability of the business. As an example, key person insurance may provide the business with a lump sum that could be used to either hire a temporary replacement, cover costs of training a new staff member or just compensate the business for any reduction to profit. The premiums may be deductible as a business expense depending on the insurance purpose and the proceeds may also be considered taxable income. May it be a query or even just a chat in general, do not hesitate to give me a call! Always here to help you 0424238589 or email me at [email protected]

19.01.2022 Australian home loans: How to save thousands per year as banks offer historic low fixed-rate mortgages With the official cash rate at a record low providing a once in a lifetime opportunity for homeowners to refinance their home loan and fix their interest rates for a period of time so that they are protected against potential rate rises for some time to come. If you switch now from a variable rate of 3.5 per cent to the lowest fixed rate offer on a $500,000 loan you can sav...e $375 a month, more than $4,500 per year. Fixed rate home loans Principal and interest @ 2.19% p.a for a 2 year fixed interest rate on owner occupied home loan plus Refinance cash back of up to $4,000 for a loan size above $250k For more info, please call me directly on 0424238589 or email me at [email protected] to achieve the financial future you desire. https://7news.com.au//australian-home-loans-how-to-save-th

17.01.2022 Protection is the foundation of any financial plan. The best investment plan in the world can fall over if it doesn't have a solid foundation. That's why it's so important to balance your wealth creations plans with your wealth protection strategies. Personal risk insurances provide a financial benefit in the event of you suffering a serious injury or illness, or death. They include term life insurance, total & permanent disablement insurance, income protection insurance, ...and trauma insurance. What type of life cover do you need and how much cover is enough? I can help you answer these questions as an authorised advisor and to help ensure your family, business and lifestyles are protected financially in case life doesn’t go according to plan. Contact me on 0424238589 or email [email protected]

17.01.2022 Looking to renovate without re-mortgaging? Planning home improvements is an exciting prospect for all home owners and with Australian home renovations hitting a record high in 2018, it seems that renovating is the new upgrading. Re-mortgaging is a common way to fund a renovation but do you know you can use a personal loan instead? An unsecured renovation loan with one of our lenders has no upfront or ongoing monthly fees, provides flexible repayment options and accepts loan a...mounts up to $50k. Need more information, please contact me directly on 0424238589 for any queries! I look forward to hearing from you!

16.01.2022 My latest review on RateMyAgent: "With the help of Rohit Dsouza, we were fortunate to get into the Property Market during pandemic. To describe our Mortgage broker experience with Rohit He has sound knowledge about the home loan products with Top 3 banks, medium to small size banks and other lending agencies. His experience with the dealing with the banks for the home loan products and his ability to advice to match home loan products according to the financial needs of the... clients is proficient. The paramount of patience and listening skills gives the advantage to service the needs of the client needs accordingly. He certainly alerted us with the time period the top 3 banks took to process the home loan and we were able to meet the financial clause well before the contract of sale. Overall with our experience Rohit is truly honest, professional, timely, knowledgeable and able to cater the clients needs well above the expectations. Thank you Rohit for your mortgage broker service and Good Luck with your work. Saby Anaz" See more

14.01.2022 Diabetes has been referred to as the biggest challenge facing Australias health care system. It is a serious condition that can affect quality of life and longevity. To protect yourself/ Minimise risk The first step to protect yourself against diabetes is to understand your risk factors. At this stage there is no way to prevent or cure Type 1 diabetes but scientists are working on it. While lifestyle is not a known causal factor, it is hugely important in managing Type 1 ...diabetes. There is more certainty around Type 2 diabetes. Research shows around 60 per cent of cases can be prevented or delayed by maintaining a healthy weight, getting enough exercise, not smoking, keeping cholesterol and blood pressure in check, and having a healthy diet.1 Gestational diabetes requires a healthy eating plan and regular physical activity. Blood glucose levels need to be checked during the day while pregnant and in some circumstances, medication or insulin injections will be required. After the baby is born, there is an increased risk of developing Type 2 diabetes so follow-up is required. Knowing your risk, consider whether you have adequate insurance (e.g. life, trauma, total & permanent disability, income protection) to protect what you value most in life. May it be a query or even just a chat in general, do not hesitate to discuss your circumstances with your Personal risk insurance advisor. Give me a call! Always here to help you 0424238589 or email me at [email protected]

14.01.2022 First Home Loan Deposit Scheme (New Homes) The First Home Loan Deposit Scheme (FHLDS) is an Australian Government initiative to support eligible first home buyers to build or purchase a new home sooner. The Scheme is administered by the National Housing Finance and Investment Corporation (NHFIC). Usually first home buyers with less than a 20 per cent deposit need to pay lenders mortgage insurance. Under the Scheme, eligible first home buyers can purchase or build a new home w...ith a deposit of as little as 5 per cent (lenders criteria apply). This is because NHFIC guarantees to a participating lender up to 15 percent of the value of the property purchased that is financed by an eligible first home buyer’s home loan. What types of properties are eligible? Eligible FHLDS (New Homes) properties include: newly-constructed dwellings off-the-plan dwellings house and land packages land and a separate contract to build a new home. What property price thresholds apply for FHLDS (New Homes)? FHLDS (New Homes) assists in the building or purchase of a new home. The value of the new home must not exceed the relevant price cap for the area in which it is located (see link below). Who is eligible for FHLDS (New Homes)? Australian citizens who are at least 18 years of age. Permanent residents are not eligible. Single applicants with a taxable income of up to $125,000 per annum for the previous financial year and couples with a taxable income of up to $200,000 per annum for the previous financial year. For all FHLDS (New Homes) applications made to 30 June 2021, the relevant financial year assessed will be 2019-20. Couples are only eligible for FHLDS (New Homes) if they are married or in a de-facto relationship with each other. Other persons buying together, including siblings, parent/child or friends, are not eligible for FHLDS (New Homes). FHLDS (New Homes) assists single (individual) applicants and couples (together) who have at least 5 per cent of the value of an eligible property saved as a deposit. If 20 per cent or more is saved, then the home loan will not be covered by FHLDS (New Homes). https://www.nhfic.gov.au//20201028-fhlds-new-homes-fact-sh.....

14.01.2022 SEEKING TO FINANCE THE MAJOR COST OF YOUR MEDICAL PROCEDURE? Medical expenses are often unexpected. While costs vary, we have medical loans available from $5,000 to $40,000. Speak to us today on 0424238589 or email [email protected]

13.01.2022 SECURE YOUR ASSET AND RECEIVE A LOWER INTEREST RATE. Secured personal loans let you borrow against an asset and you pay a lower interest rate in return. To discover more about secured personal loans, call us today on 0424238589 or email [email protected].

12.01.2022 LOOKING TO FURNISH YOUR HOUSE IN FULL FROM TOP TO BOTTOM? It's easy to underestimate the costs of furnishing your home. If you want to freshen up the inside of your home but need extra funds to finish the project, a home furnishing loan might be an option for you. Apply for a personal loan with us today. For more info, call me directly on 0424238589 or email me at [email protected]

12.01.2022 Almost all your business insurance needs under one roof!!! Restaurant and Cafe Insurance Professional Indemnity Insurance Workers Compensation Insurance... Fire Insurance General Property Insurance Marine Insurance Public Liability Insurance Product Liability Insurance Glass breakage Insurance Business Interruption Insurance Contact me on 0424238589 or send me an email on [email protected] for a comparative quote.

12.01.2022 Joe Biden wins and says 'It’s time for America to unite' https://www.theguardian.com//us-election-joe-biden-wins-pr

12.01.2022 Diabetes has been referred to as the biggest challenge facing Australias health care system. It is a serious condition that can affect quality of life and longevity. To protect yourself/ Minimise risk The first step to protect yourself against diabetes is to understand your risk factors. At this stage there is no way to prevent or cure Type 1 diabetes but scientists are working on it. While lifestyle is not a known causal factor, it is hugely important in managing Type 1 d...iabetes. There is more certainty around Type 2 diabetes. Research shows around 60 per cent of cases can be prevented or delayed by maintaining a healthy weight, getting enough exercise, not smoking, keeping cholesterol and blood pressure in check, and having a healthy diet.1 Gestational diabetes requires a healthy eating plan and regular physical activity. Blood glucose levels need to be checked during the day while pregnant and in some circumstances, medication or insulin injections will be required. After the baby is born, there is an increased risk of developing Type 2 diabetes so follow-up is required. Knowing your risk, consider whether you have adequate insurance (e.g. life, trauma, total & permanent disability, income protection) to protect what you value most in life. May it be a query or even just a chat in general, do not hesitate to discuss your circumstances with your Personal risk insurance advisor. Give me a call! Always here to help you 0424238589 or email me at [email protected]

12.01.2022 Wishing you and your family lots of happiness and prosperity on this Eid! Eid Mubarak

11.01.2022 Dear All, I hope you are healthy and well. Times are very uncertain at the moment and obviously with the COVID-19 pandemic and recent state of emergency called in Victoria, group gatherings and even face to face meetings are being discouraged.... I wanted to reassure you all that I am still here for you. There are certainly lots of exciting things happening within the business, I am eager to share with you all including: 1. First Home Loan deposit Scheme for Citizen to purchase their first home with a deposit as little as 5% and avoid paying any Lenders Mortgage Insurance (LMI) 2. Refinance and Debt consolidation @ Fixed rate starting at 2.59% for 2 years and Variable rate @ 2.80% 3. Investment Bonds on Saving for a childs education and Early retirement scheme 4. Self Wealth Investment platform to trade in ASX shares 5. Personal Risk Insurance Life, TPD, Trauma and Income Protection 6. Personal Loans for Medical, Education, Travel, Debt consolidation, Gap Finance, Home Improvement starting at 7.5% 7. Car Loan starting at 4% 8. Business Loans - funded from $5K - $300K in as little as 24 hours I am now available to meet with you remotely via Zoom, Any Desk, Team Viewer and am more than happy to do this. My availability is as follows: Monday Friday 9.00am 12.00pm 2.00pm 5.00pm More than happy to consider times outside these. As always, I am available via my mobile 0061424238589 and also via email: [email protected] please do not hesitate to reach out at any time. Stay safe and healthy people.

11.01.2022 My latest review on RateMyAgent: "Rohith was brilliant! He is very knowledgeable and approachable with any queries or questions we had. He is very professional and efficient and made the process for us pain free. Very happy with the support he provided, he truly went above and beyond. We highly recommend him."

10.01.2022 SWITCH FROM A CREDIT CARD TO A PERSONAL LOAN. With personal loans, you will have a clear idea of how much your repayments will be and know your loan's end date. To find out more, give us a ring today on 0424238589 or email [email protected]

10.01.2022 Happy client Hariom Jindal picked up his new car last week after securing a great finance deal with us. If you are looking for the best deals on wheels please contact me on 0424238589 or email [email protected]

09.01.2022 Wishing you all peace, love and happiness at Easter and always

09.01.2022 How Insurance premiums and Claim proceeds are taxed? Insurance premiums and claim proceeds are taxed depending on whether you choose to hold the insurance policy inside or outside of superannuation. You should seek specialist taxation advice to check the taxation applicable to your circumstances. Holding Insurance inside Superannuation... Premiums are deductible to the fund Life policy the proceeds are taxable only if paid to a non-tax dependant TPD if you are under age 60 when you take this money out of superannuation tax may be payable Income protection the benefits are assessable income to you and are taxed at your marginal tax rate Holding Insurance in Personal Name Not deductible except for income protection policies The proceeds from a life, TPD or trauma policy are generally tax-free. However, the benefits from an income protection policy are assessable income and taxed at your marginal tax rate Need more information on the pros and cons. Feel free to call me if you have any questions on 0424238589 or make an obligation-free appointment with me at any time that suits you. I look forward to hearing from you!

09.01.2022 JIGRRA Garba Live...for the first time in Melbourne

09.01.2022 Are you looking for any of the below Loans Home Investment Business ... Car Personal SMSF Equipment Non resident Reach out and will get you the best deal in the market

06.01.2022 Australia Federal election 2019: Bill Shorten and Scott Morrison make final push on the campaign trail. Bill Shorten is quietly confident hes about to become Australias next Prime Minister, as he and Scott Morrison race towards the finish line. https://www.news.com.au///2ecac49b455e7fe5bc5f3f38831cbc39

06.01.2022 Congratulation to Sandesh and Lorine on their lovely new home in the south-west of the state capital, Melbourne. Thank you for engaging me to assist with your home loan, thoroughly enjoyed working with you. Good luck on your new home. As a Finance Specialist, we have access to over 40 different lenders, all with different policies and procedures - hence my job is to make it as efficient and effective for you by identifying the perfect lender for your current situation, in order to ease through the loan process to settle you into your new home. May it be a query or even just a chat in general, do not hesitate to give me a call! Always here to help you - 0424238589 - Rohith Dsouza

06.01.2022 HAPPY DIWALI !!!! May this Diwali light up your new dreams, new hopes, new avenues and new perspectives. May it shower everything good in your life and fill each day with pleasant moments. Have a blessed Diwali!!!!

06.01.2022 NSW to phase out stamp duty on property purchases NSW Treasurer Dominic Perrottet has proposed a shift away from stamp duty on property purchases, in favour of a land tax, as part of a "response and reform" budget to drive the post-pandemic recovery and plug the $16 billion deficit. Source... https://www.smh.com.au//nsw-to-phase-out-stamp-duty-as-sta See more

06.01.2022 May the lights of Diwali Diyas fill your home with wealth, happiness, and everything that Brings You Joy! Wish you and your entire family a very very Happy Diwali!

05.01.2022 Importance of having Key Person Insurance Key Person insurance helps to ensure that a business survives following the loss of a key person in the event of death, disablement or trauma. There are two different purposes - revenue purpose or capital purpose. It is necessary to distinguish between them for taxation purposes. Key Person Capital Purpose... The sudden loss of a key person means the business may need to: Repay loans made between the key person (principals) and the business. Repay loans or debts to creditors which have been called in because of the loss of the key person Compensate the business for any goodwill lost Replace lines of credit (i.e. working capital) Key Person Revenue Purpose The sudden loss of a key person means that a suitable replacement may need to be found and the business may face unexpected costs for recruitment. The business may also want compensation for reduced revenue, sales and profit to help meet other expenses. May it be a query or even just a chat in general, do not hesitate to give me a call to understand the two different purposes! Always here to help you 0424238589 or email me at [email protected]

04.01.2022 No repayments until July 2019 !!! For a limited time, if you're approved for a business loan you'll pay nothing until July 2019. You can use the funds for bills, to purchase assets, or to cover an invoice gap, whatever it takes to keep your business moving. -Borrow $5K to $300K over terms of 3-24 months... -Fast decision with funding possible in 24 hours -Minimal documents required to access up to $150K So, if you need some additional funds, call me on 0424238589 or email me on [email protected]

03.01.2022 My latest review on RateMyAgent: "Would definitely recommend to everyone I know "

03.01.2022 Tax relief for Victorian homebuyers Victorians who buy a new home before next July will have their stamp duty slashed by up to half, under plans to kickstart the real estate market. The plans unveiled in Tuesday’s state budget apply to homes valued up to $1 million.... A waiver will apply of 50 per cent on stamp duty for new homes, and 25 per cent for existing homes. Contracts must be entered into between Wednesday and June 30 next year under the tax relief plan. Specialising in residential, construction, investment, commercial, business, vehicle, personal, SMSF and non-resident loans - You might still be saving up for your first home or wondering if you're still getting the right deal with your existing lender. Rather, come see us at any stage in your financial journey so we can give you an evaluation of what is best for you. You can make an obligation-FREE appointment with me at any time that suits you, with no consultation fee for any enquiries you may have. For more info, please call me directly on 0424238589 or email me at [email protected] to achieve the financial future you desire. SOURCE https://www.news.com.au///8b0437dbcfb61bbf1af592846c6b530d

03.01.2022 First Home Loan Deposit Scheme? The First Home Loan Deposit Scheme allows first home buyers with deposits as low as 5% to get a home loan without paying Lenders Mortgage Insurance (LMI) fees. First home buyers can save anywhere between $10,000 and $30,000 in LMI fees. If you are first home buyer looking to apply for a First Home Loan Deposit Scheme and can tick off all of the below requirements, then you can make an obligation-FREE appointment with me at any time that suits y...ou, with no consultation fee for any enquiries you may have. Call me directly on 0424238589 or email me at [email protected] Eligibility requirements:- They are single or joint borrowers. If joint borrowers they are in a married or de facto relationship Theyre at least 18 years of age They pass an income test They have at least a 5% deposit saved They and any other applicant are first home buyers They are going to live in the property (not an investment) They and any other applicant are Australian Citizens The property they are looking to purchase falls within the Property Price Thresholds Income test The Scheme includes an income test for: Singles the taxable income for the previous financial year must not be more than $125,000 Couples the combined taxable income for the previous income year must not be more than $200,000 Property Price Thresholds State/Territory Capital City/Regional Centre Rest of State NSW $700,000 $450,000 VIC $600,000 $375,000 QLD $475,000 $400,000 WA $400,000 $300,000 SA $400,000 $250,000 TAS $400,000 $300,000 ACT $500,000 NA NT $375,000 NA https://nhfic.gov.au/what-we-do/fhlds/

02.01.2022 LOOKING FOR YOUR STATE LOAN BROKER? If you're looking for a personal loan broker in Victoria? offer Victoria's leading professional services. We will compare a number of loan products from a wide range of funders for you. Contact us now to discuss on 0424238589 or email [email protected]

02.01.2022 NEED TO PAY UNEXPECTED VET BILLS? Your pet requires a medical treatment and you are currently out of funds? Don't worry, let us help you. raise all types of funding for vet loans. You can pay the bills upfront and get your pet back to normal. Contact us today on 0424238589 or email [email protected]