Sergio Timpano | Businesses

Sergio Timpano

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25.01.2022 Cash-back offers for up to $4000 for just refinancing your current mortgage! Get in touch for a FREE NO OBLIGATION assessment today to potentially save thousands of dollars!... Put the equity that you have built in your home to use! SFS - THE THINKING BEHIND THE MONEY Get In Touch: Sergio Timpano [email protected] 0478 771 518 Call/Text 109A Archer Street, North Adelaide 5006

17.01.2022 INTEREST RATES: FIXED VS VARIABLE While there is no crystal ball that can predict what will happen to the economy and interest rates in the future, what we can give you is an insight on the pros and cons of fixing your home loan. Fixed Rate ... Pros: > Rate is locked in for a certain period of time > Repayments do not rise if the official interest rate increases > Provides peace of mind for borrowers concerned about rate rises > Allows for more precise budgeting Cons: > Repayments do not fall if rates decreases > Allows only limited additional repayments > Potential break cost for early payout of the loan Variable Rate Pros: > Your home loan repayments will fall when interest rates fall > Variable rate home loans usually provide options and flexibility and will often allow unlimited additional repayments > Variable rate loans can include a range of extra features such as redraw and offset accounts which can help you during the lifetime of the loan. > It can be simpler to switch loans with a variable rate home loan. Cons: > Your home loan repayments will rise when interest rates increase > Can be difficult to budget If you have any questions, contact me for more information! SFS - THE THINKING BEHIND THE MONEY Sergio Timpano [email protected] 0478771518 call/text 109A Archer st, North Adelaide 5006 See more

16.01.2022 GENUINE SAVINGS What is Genuine Savings when applying for a Home Loan? Genuine savings is a policy that most lenders have in place as security to know you will be able to manage the repayments and to avoid any further questions from authorities about money laundering. With most major lenders the Genuine Savings portion must consist of 5% of the property value and evidently saved over a period of 3 months. Some lenders will have flexibility to this condition eg. Rental payme...nts can be used to pass the genuine savings policy as demonstrated over a certain period of time, general rule of thumb is 6-12 months or borrowing less than a certain % of the Security Value. Having access to over 45 lenders on our panel we can find the right solution for you and your scenario. SFS - The thinking behind the money Sergio Timpano [email protected] 0478 771 518 call/text 109A Archer Street, North Adelaide 5006 See more

04.01.2022 Sergio Timpano Loan Specialist Have you been considering refinancing your home loan but not quite sure on whether it is right for you, where to start or where to refinance to? You are not alone, on average Australians are refinancing their home loan every 3 4 years as it is natural that as time passes, your needs change and the loan that would have been perfect for you a few years ago may not be the best for you today. Here are some of the common reasons why homeowners loo...k to refinance: They have change in financial circumstance from when they initially took out their home loan. To secure a lower interest rate; especially in today’s current interest rate environment with interest rates being lower than ever before For whatever the reason dissatisfaction with the current lender Intent to convert from a variable to a fixed rate or vice versa To access home equity to finance other investment property purchases and/or to consolidate their debt position, credit cards personal loans etc. Considering a move to a new house or expanding your investment property portfolio. All great reasons to review your options and investigate whether it is in your best interest and another lender will better suit your needs. Everyone is different, and therefore peoples reasoning for refinancing differ greatly so some great questions to consider on whether a refinance may be of benefit to you are: Does my current loan match my lifestyle? Am I planning to start a family? How will this affect me financially? Would specific loan features benefit my needs? Am I considering renovating my home? Is my fixed rate loan on the verge of expiration? Would lowering my interest rate help me make additional repayments and pay my home loan off sooner Could I use the equity in your home for an investment opportunity? What are the factored costs in refinancing from one loan to another? Where do I see myself in the next 5, 10 or 15 years? If you answered yes to any of the questions or still unsure then send though a message to speak to our team and we will go through our refinance suitability assessment with you so that you can be rest assured on your decision to refinance is right for you. ~ SFS THE THINKING BEHIND THE MONEY ~ Sergio Timpano [email protected] 0478 771 518 109A Archer Street , North Adelaide , SA 5006 See more

01.01.2022 > ALL ABOUT YOU - We work for you and not the bank. We get to know you personally to understand your unique circumstances. From our experience, we know which lenders will have the product that will meet your needs. And we negotiate for what’s right for you, not what’s right for one particular lender. > FREE SERVICE - The lender pays for all the work we do for you, so a fee for service DOES NOT exist in our business! > CONVENIENCE - Don’t let your schedule stop you from g...etting your finances sorted. We are flexible with our hours and are more than willing to do after hours or weekends, meeting at a time and place that is convenient for you. > TIME EFFICIENT - We can get things moving quickly. We’ll work with our lender networks and contacts, looking to secure your finance as fast as possible. > RANGE OF PRODUCTS - We have access to a range of loans from various lenders more suited to your needs. When you meet with us you are effectively getting access to multiple banks and their range of loan options. SFS - THE THINKING BEHIND THE MONEY Get In Touch: Sergio Timpano [email protected] 0478 771 518 Call/Text 109A Archer Street, North Adelaide 5006 See more