Sertori & Co Lending Centre in Ballarat, Victoria | Mortgage brokers

Sertori & Co Lending Centre

Locality: Ballarat, Victoria

Phone: +61 402 712 561

Address: 88 Mair St E 3350 Ballarat, VIC, Australia

Website: https://ballaratlendingcentre.com.au/

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19.05.2022 Do you have BOTH an owner occupier (OO) home loan and an investment home loan? You may be able to get an owner occupier home loan interest rate on your investme...nt home loan if the OO loan limit exceeds the investment home limit. To find out more, ring Nigel today on 0417 131 494. *Credit Representative 475246 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

09.05.2022 Some Banks have notified an intention to increase fixed interest rates for their home loans products. Other Banks are expected to follow with an increase to the...ir fixed interest rates. If you have been considering switching from a variable rate loan to a fixed rate loan, you may wish to consider acting quickly to avail current fixed rates. The window of opportunity to take advantage of current fixed interest rates may disappear very quickly. A fixed rate home loan allows you to set your interest rate for a period of time. This is usually in the range of one to five years. Fixing your interest rate can be a suitable option for some people. We can advise you of the risks and benefits of fixed rate loans. If you’d like more information, contact Nigel at Ballarat Lending Centre today on 0417 131 494 or [email protected]. For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 475246 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

26.04.2022 U nderstandable F inancial O ffering Give Nigel at Ballarat Lending Centre a call on 0417 131 494, or email him on [email protected]... For information background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 475246 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

13.04.2022 Looking for commercial property finance for industrial, retail or office property? Set & forget loans over 25 years & up to 5 years interest-only No require...ment for annual reviews or regular property re-valuations No ongoing fees No cross-collateralisation of securities or cross selling Fast approval & easy to change or vary loan arrangements. Give Nigel at Ballarat Lending Centre a call on 0417 131 494 or email him on [email protected] For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 475246 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

28.03.2022 We have red hot home loan rates on offer from a range of different lenders. If you haven't looked at your home loan for a while, now is a good time as ever. Giv...e Nigel at Ballarat Lending Centre a call on 0417 131 494 or email him on [email protected] For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 475246 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. See more

25.01.2022 If you have a growing family the right car is vital! We can access over 40 lenders to find you a competitive rate with flexible terms that could make your new family car more affordable. Call Sertori & Co Lending Centre on (03) 5352 4738, or email [email protected] today. For background on Sertori & Co Lending Centre*, visit sertori.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

24.01.2022 Sertori & Co Lending Centre acknowledge that our clients are our most important assets as well as our staff. We advise that we have implemented our Business Continuity Plan as a result of the COVID-19 situation. We have determined that these actions are appropriate for the following reasons:... To protect the safety, health and well-being of our clients and employees by minimising face-to-face interaction; To provide clear guidance and leadership to our employees; To help flatten the curve of the potential spread of the COVID-19 virus. We acknowledge how challenging it is for all our clients including business owners who have been acutely impacted by how quickly this whole situation has developed. Again please rest assured that we are here for you and available as usual. If you need to deliver documents to the office, we will still accept them being dropped off, however strict social distancing rules and minimal time for our clients in the office will apply. Please do not hesitate to contact our office on 03 5352 4738 to speak to if you have any queries.

23.01.2022 The Macquarie Property Insights Report January 2020 forecasts national housing prices will rise by a further 6% to 7% by the end of 2020, building on the strong momentum in the market at the end of 2019. The report says this year, rising property prices are expected to be further supported by historically low mortgage rates and the possibility of further cuts by the RBA. This could lead, once again, to the emergence of animal spirits or the fear of missing out, says Mac...quaries senior economist Justin Fabo. The report says ongoing strong population growth of around 1.5% per annum is also helping to support the demand for housing. Contact Nigel Keating at Ballarat Lending Centre today to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Ballarat Lending Centre, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

23.01.2022 With us, you can get more than just a home loan. You can also access some great loans for private cars, commercial vehicles, as well as plant and equipment purchases for your business. Whats more, we have access to a wide variety of lenders, to make sure you get the right finance for your needs. And with your financing in place, youll have more choices and the opportunity to negotiate a better deal on whatever car or equipment you want to buy. Thats where we come in. We ar...e here to see you a competitive rate on all your finance needs and that includes loans for cars, trucks and even plant and equipment for your business. Just like our home loan offer, we can shop around with lenders to find exactly the right loan for you considering your personal circumstances. Find out more about how we can make it work for you. Call or email us today. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

22.01.2022 Refinancing your home loan may be more than just an opportunity to reduce your repayments. It could also be a chance to access the equity in your home, or to restructure your home loan to better serve your lifestyle. Whether you are looking for a better interest rate or lower fees, your loan no longer suits your circumstances, or your home no longer suits your lifestyle, it could be time to look at capitalising on the current competitive market, with some lenders advertising ...deals for new customers. Particularly if youve had your loan for a few years, theres a chance you could secure a better deal by refinancing with a loan thats a better fit for your current situation. Contact Nigel Keating at Sertori & Co Lending Centre today to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Sertori & Co Lending Centre and Ballarat Lending Centre*, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

22.01.2022 Todays article in The Courier, "What next for (the) Ballarat property market? reports continuing positive sentiment for the market. Sertori & Co Lending Centre* can help you with your financing needs. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. Call us today or visit our website at sertori.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situ...ation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. https://www.thecourier.com.au//what-next-for-ballarat-pr/ See more

22.01.2022 WANT TO BUY YOUR FIRST HOME? but now sure how to raise a deposit or meet bank loan requirements? There are many potential options for you in the market place, such as Accessing the First Home Owner Grant, which is potentially available if you are buying or building your first new home.... Accessing loan products that can provide a large loan relative to the purchase price/valuation of the home (up to 95%), with Lenders Mortgage Insurance. Accessing the extra flexibility offered by some lenders for borrowers employed in specific occupations. Accessing loan products that accept family guarantees (secured by first or second mortgages), allowing for a loan representing 100% of the purchase price of a home. Accessing loan products with differing genuine savings requirements. Contact Nigel Keating, a MFAA member, today at Ballarat Lending Centre to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Ballarat Lending Centre*, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

22.01.2022 A NON-CONFORMING HOME LOAN is simply a term used for home loans designed for people who may not qualify under typical lending rules. Loans like these can also be called specialist or alternative loans (alt doc). You might be surprised how many Australians have been declined for a home loan - for example, people who are: - Self-employed... - Have recently started a business or a new job - Dont have a perfect credit history - Been previously bankrupt - Have a solid income, but not much of a deposit - Have a deposit but its an inheritance or a gift - Work means they regularly change jobs, it looks like instability but its just the nature of the industry - Need to consolidate debts such as personal loans, credit cards or business debt - A new Australian resident, and therefore the previous credit history cant be established. Thats a lot of Aussies. The good news is that in todays world there are lots of options. Well-established non-bank lenders have designed home loan products specifically to help all these people. They take a much more flexible and holistic approach to traditional lenders and can provide a range of good alternatives. If youd like more information talk to Nigel Keating today about how he may be able to put you in touch with a lender that can help if the major banks have said no to your loan application. Contact Nigel Keating at Ballarat Lending Centre today on (03) 5352 4738 or [email protected]. For background on Ballarat Lending Centre, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

20.01.2022 Welcome to our October newsletter. Contact Nigel Keating at Sertori & Co Lending Centre today to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Sertori & Co Lending Centre and Ballarat Lending Centre*, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any... offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. https://financefocus.connective.com.au/welcome-to-our-octo/ See more

19.01.2022 Is one phone call really all it takes to secure a lower interest rate? With official interest rates trending downward, shrewd mortgage holders may take the opportunity to call their lender to ask for a better deal. But when even a small interest rate reduction means potential savings of thousands of dollars, is a simple phone call really enough to get you there?... In 2019, your interest rate should have a three in front of it, is common advice for home owners considering the competitiveness of their loan settings. But while a number of lenders offer lower rates to new customers, its not always so simple for existing customers to secure the same outcome. A leading mortgage and finance broker says that if people want a better deal on their mortgage, there are basically two options: Call your bank and ask them to match the new rate, or Contact your broker and vote with your feet. And although the first option is commonly recommended, lenders arent always so obliging when it comes to rate-matching to get you a more affordable mortgage. As an existing client, it can be disheartening to see your bank offer new customers a lower rate to the one you currently have. Lenders regularly try to win new customers by offering low rates. It is a great acquisition strategy. But if they refuse to match your current rate to this new offer, you can always contact a broker and refinance with a lender who is hungry to win your business. At Sertori & Co Lending Centre, we are in a position to offer you an in-depth and customised level of service. This can allow us to find you a mortgage product that may suit your current needs, wants and circumstances. Contact Nigel Keating at Sertori & Co Lending Centre today to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Sertori & Co Lending Centre*, visit sertori.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

17.01.2022 GOOD NEWS FOR BUSINESSES. Legislation was swiftly passed in early April to increase the Instant Asset Write-Off for Small Business - an initiative that will stimulate small business investment. If you require finance to realise your investment plans, call Sertori & Co Lending Centre*. We have offices in Ballarat, Ararat and Stawell. Our website is at sertori.com.au. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan prod...uct. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. https://www.mybusiness.com.au//5639-parliament-swiftly-pas

17.01.2022 Looking for a way to repay your loan quicker or to release some funds? The National Australia Bank has a $4,000 cash back rebate offer currently available for loans of at least $250,000, with their offer expiring on 19 April 2020. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. Call Nigel Keating today for a chat about your options on ...0417 518 994 or email [email protected]. Visit our website at www.ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

15.01.2022 REFINANCING TRAPS TO AVOID Whether youre after lower repayments or want to tap into the equity sitting in your home, refinancing can offer a world of benefits. There are also some things to be aware of so that you dont find yourself hooked into a bad deal. *Finding a lower interest rate doesnt necessarily mean youve scored yourself a better deal. In fact, a product with more features may cost you a bit more in fees or interest, but could save you more in the long run.... *Dont be lured by offers with discounted introductory rates unless youve calculated the savings over the life of the loan. *Be aware of the fees Sertori & Co Lending Centre* can help you with your financing needs. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. Call us today or visit our website at sertori.com.au *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

15.01.2022 During these times of uncertainty and the challenging periods ahead due to COVID-19 we want to reassure you that we are here to help! If you are facing difficulties with making repayments on your home loan I can assist you in seeking relief on the grounds of financial hardship directly with your lender. Call Nigel Keating today for a chat about your options on 0417 518 994 or email [email protected]. Visit our website at www.ballaratlendingcentre.com.au.... *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

13.01.2022 Let us help you seek to SAVE MONEY on your HOME LOAN. After people get a home loan, they often do not revisit the terms and competitiveness of their loan. We can take this laborious task away and review clients loans to see if they could do better. The problem with a sit and forget approach with your home loan is that a loan may become expensive compared with other loans in the market, potentially resulting you paying a lot more than you would with another loan product.... If youd like more information, talk to Nigel Keating today about how you may be able to benefit from refinancing your home loan. Contact Nigel Keating at Ballarat Lending Centre today on (03) 5352 4738 or [email protected]. For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

12.01.2022 Who are the different parties involved in purchasing property? Purchasing a property is a thrilling yet nerve-wracking experience, which is why it can be handy to surround yourself with a network of support and expertise. Here are the different parties who may be involved in your home-buying process and how you can use this valuable knowledge base to answer your questions. Real estate agent Unless youre working with a private vendor, meeting a real estate agent is inevitable...Continue reading

11.01.2022 Too loyal or time-poor for a better rate? Problem solved Another month, another rate cut. Finance can be so tedious. That is until you realise it could mean more money in your pocket. But how?... For many, matters of personal finance are so dull and/or difficult, they are immediately filed in the too-hard basket. And for their trouble, or lack thereof, these people are often slugged with a lazy tax - the price paid for staying put. Loyalty too, or simply being time-poor, can also be offences punishable by debt in the world of finance. But it doesnt have to be this way. A 2018 Australian Competition and Consumer Commission (ACCC) report* showed that new borrowers with an average-sized residential mortgage paid up to $850 less a year in interest than existing borrowers with the same lender. However, despite the apparent benefits, actively ensuring an interest rate remains suitable is a practice that continues to elude many. Fortunately, there are people out there, like the people at Ballarat Lending Centre, whose job it is to assist in this process. Finance brokers can play a vital role in assisting borrowers through the process of ensuring their mortgage is competitive. So get cracking. Contact Nigel Keating at Ballarat Lending Centre today to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Ballarat Lending Centre, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. *Residential mortgage price inquiry - Final report, ACCC, 11/12/18

08.01.2022 The importance of doing your research in a growing lender marketplace A dramatic increase in the number of lenders has highlighted the need for greater research and consideration, or due diligence, when searching and applying for a loan. The act of purchasing a property, commonly requiring the production of significant personal information, coupled with the commitment of large sums of money, can be stressful.... And now, with a wide variety of new lenders entering the marketplace, confidently choosing a lender you are comfortable with can feel downright overwhelming. Fortunately, there are steps you can take to help you make the right choice and reduce your risk of misfortune. Trust your gut and be wary of behaviour or hints that may suggest something isnt quite right Your first step should be to speak to a mortgage broker who is a member of the Mortgage and Finance Association of Australia (MFAA). The MFAA maintains high ethical standards for its brokers and ensures its members meet industry-leading educational criteria they are the best educated brokers in Australia. MFAA member mortgage brokers will be able to educate you on the variety of reputable lenders available to you. Contact Nigel Keating today to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Sertori & Co Lending Centre and Ballarat Lending Centre*, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

08.01.2022 Buy Now Pay Later - the hidden danger potentially stopping you from owning your own home. The Buy Now Pay Later sector is winning-over the youth demographic with the promise of instant gratification, but leading mortgage brokers are warning that with every sugar-high comes the risk of a corresponding low. Buy Now Pay Later providers such as AfterPay and Zip Pay have experienced massive growth in popularity, with the number of users jumping from 400,000 to approximately 2 mi...Continue reading

08.01.2022 When is the best time to refinance your home loan? As a home owner with a mortgage, chances are youve heard of the term refinancing. Refinancing involves reviewing your current mortgage, and potentially swapping your loan to another lender who can better meet your current needs, wants and circumstances. Refinancing can also allow you to consolidate your debts or pay down your mortgage more quickly....Continue reading

07.01.2022 Sertori & Co Lending Centre* can help you with your financing needs. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. Call us today or visit our website at sertori.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. https://www.mortgageandfinancehelp.com.au//buy-now-pay-la/

07.01.2022 Some tips for nabbing a bargain property this Spring. All the best. Contact Nigel Keating at Sertori & Co Lending Centre today to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Sertori & Co Lending Centre and Ballarat Lending Centre*, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be re...viewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. https://financefocus.connective.com.au/tips-for-nabbing-a-/

07.01.2022 Do you want to PAY OFF your HOME LOAN quicker? Or do you want to reduce your HOME LOAN repayments to release funds to spend on something you would like? If so, ...let us help you SAVE MONEY on your HOME LOAN. Many people have a sit and forget approach with their home loan, and the loan may have become much more expensive compared with other loans in the market, potentially resulting in paying a lot more than they would otherwise have to pay. If youd like more information, talk to Nigel Keating today about how you may be able to benefit from refinancing your home loan. Contact Nigel Keating at Ballarat Lending Centre today on (03) 5352 4738 or [email protected] For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

07.01.2022 Are you planning to build a new home or renovate an existing home? Provided you meet certain criteria, the $25,000 HomeBuilder grant for new home builds and renovations could assist. To be eligible for the HomeBuilder scheme, you must: Be an Australian citizen aged 18 years or older and be an individual, not a company or trust.... Be on an income of less than $200,000 for couples, and $125,000 for singles. Be spending between $150,000 and $750,000 on a renovation for a home that has been previously valued at less than $1.5 million. Be building a new home worth less than $750,000 (this includes land value). The tax-free grant will apply to all owner-occupiers - not just first home buyers. All dwelling types (house, apartment, house and land package, off the plan, etc) will be eligible under the HomeBuilder scheme. The scheme will not apply to owner-builders or those who are planning to build a new home or renovate an existing home as an investment property. The grant also cannot be used for additions to the property that are not connected to the home, such as swimming pools, tennis courts, outdoor spas and saunas, sheds or garages. The grant will be offered for contracts entered into between 4/6/20 and 31/12/20. Construction must be contracted to begin within three months of the contract date to be eligible HomeBuilder complements existing state and territory First Home Owner Grant programs, stamp duty concessions and other grant schemes, as well as the Commonwealths First Home Loan Deposit Scheme and First Home Super Saver Scheme. If youd like more information, talk to Nigel Keating today about how you may be able to benefit from refinancing your home loan. Contact Nigel Keating at Ballarat Lending Centre today on(03) 5352 4738 or [email protected]. For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. Source: savings.com.au, 4/6/20 *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

07.01.2022 With lender criteria continuing to shift, a lot of borrowers are confused about where to turn, especially if their everyday bank is no longer able to help. Contact Nigel Keating at Sertori & Co Lending Centre today to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Sertori & Co Lending Centre and Ballarat Lending Centre*, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

06.01.2022 The right machinery finance can make all the difference to your profit margins. We can offer flexible repayment terms, tax optimised solutions and options that wont tie up your precious capital. Contact Nigel Keating at Sertori & Co Lending Centre today to find out how we can tailor a lease or loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Sertori & Co Lending Centre*, visit sertori.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

06.01.2022 From now until the end of June, Banks will be notifying their home loan customers they have less to pay on their mortgage repayments. However, mortgage rate cuts are not automatic for all borrowers at all Banks (abc.net.au, 12 June 2019). If you are dissatisfied with your loan interest rate, we can help you look at alternate options. If you are located in or near Ararat or Stawell, call us at Sertori & Co Lending Centre*. If you are located in or near Ballarat, contact us at ...our recently acquired office, Ballarat Lending Centre*. For background on Sertori & Co Lending Centre, visit sertori.com.au. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. https://www.abc.net.au//rate-cuts-not-automatic-f/11201602

04.01.2022 While saving money and/or accessing equity are often among the biggest benefits of refinancing, it may not be as straightforward as that and careful consideration is required. We can help you understand these considerations. If you are located in or near Ararat or Stawell, call us at Sertori & Co Lending Centre*. If you are located in or near Ballarat, contact us at our recently acquired office, Ballarat Lending Centre*. For background on Sertori & Co Lending Centre, visit se...rtori.com.au. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

04.01.2022 Australians could shave $40,000 and three years off their home loan if they keep up their current mortgage repayments despite the latest interest rate cuts, according to new analysis by comparison website Finder (Domain, July 16, 2019). Domains analyst Eliza Owen says for principal-and-interest owner-occupier loans, the average rate of new mortgages is currently about 3.6 per cent (Domain, July 16, 2019). Are you satisfied with your existing home loan product? Contact Ni...gel Keating at Sertori & Co Lending Centre today to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Sertori & Co Lending Centre*, visit sertori.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. https://www.domain.com.au//australians-could-shave-40000/

03.01.2022 Let us help you seek to save money on your home loan. After people get a home loan, they often do not revisit the terms and competitiveness of their loan. We can take this laborious task away and review clients loans to see if they could do better. The problem with a sit and forget approach with your home loan is that a loan may become expensive compared with other loans in the market, potentially resulting you paying more than you would with another loan product.... Lets take an example of a borrower who has a preference for a Basic Home Loan without ongoing fees and without bells and whistles, such as without an offset account. The loan to valuation ratio is 80%. Current minimum repayments on a $350,000 30-year owner-occupier Basic home loan with principal and interest repayments and with a variable interest rate of, say, 3.32% pa (comparison rate 3.33% pa) would be approximately $1,537 per month. If another similar loan product is available at a variable interest rate of, say, 2.99% pa (comparison rate 3.01% pa) , repayments on that loan would be $1,474 per month. That means that the borrower could potentially save $63 per month by refinancing, provided the interest rate differential stays the same. That could amount to $756 in a year, which could go towards paying off the home loan quicker, which would reduce future interest charges. In addition, borrowers may qualify to receive up-front cash rebates from certain lenders for refinancing with them. Lenders have differing loan assessment policies, and the example above is based on the assumption of that the loan would be approved by each lender. Interest rates are correct as at 21/02/2020 and subject to change at any time. The comparison rate is based on a loan amount of $150,000, over a 25 year term. WARNING: This comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms, conditions, fees and charges apply and your full financial situation would need to be reviewed prior to acceptance of any offer or product. If youd like more information, talk to Nigel Keating today about how you may be able to benefit from refinancing your home loan. Contact Nigel Keating at Ballarat Lending Centre today on (03) 5352 4738 or [email protected]. For background on Ballarat Lending Centre, visit www.ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

03.01.2022 Australias Reserve Bank has cut the official interest rate to a new record low, as reported by SBS News. Contact Nigel Keating at Sertori & Co Lending Centre today to find out how we can tailor a loan to fit your specific needs (03) 5352 4738 or [email protected]. For background on Sertori & Co Lending Centre and Ballarat Lending Centre*, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full ...financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. https://www.sbs.com.au//australian-interest-rates-cut-to-r

02.01.2022 According to an article published in The Age by Clancy Yates on 21 May 2019, owner-occupier home loan borrowers are set to be able to borrow more as APRA moves to scrap key mortgage rule. We would be delighted to help you with your home finance needs. If you are located in or near Ararat or Stawell, call us at Sertori & Co Lending Centre*. If you are located in or near Ballarat, contact us at our recently acquired office, Ballarat Lending Centre*. For background on Sertori ...& Co Lending Centre, visit sertori.com.au. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. https://www.theage.com.au//apra-moves-to-scrap-7-percent-m

01.01.2022 We are excited to let you know about a brand new website for Sertori & Co Lending Centre and Ballarat Lending Centre. Get information about us, the comprehensive lending services we offer, and on why you should choose us to help you satisfy your financial objectives and needs. On our website, you are able to read newsletters on interesting topics, and read answers to frequently asked questions. You can get regular newsletters and financial news alerts sent to your email addre...ss if you wish. The website also has calculators to help you find out how much you can borrow, among other things. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply. www.ballaratlendingcentre.com.au

01.01.2022 How a health check can broaden your property horizons A simple home loan health check led two police officers to refinance for a saving of $7,600 a year in interest. When police officers Ben Dixon and Sara Peters* were looking for a home loan, they thought the choice was obvious. They secured finance through the same community-owned bank most of their colleagues used, bought a house and were happily paying it off.... A few years on, and knowing that their interest rate was a little higher than others they had seen advertised, Ben and Sara visited their local MFAA Approved Finance Broker for a home loan health check. Being members of a mutual bank they thought they were being looked after and thought they were on quite a good deal, their finance broker recalls. This wasnt the case though. Although they had always received good service from the lender they had been with for nine years, they were on an unnecessarily high rate that was costing them both money and years on their loan. We were able to reduce their rate significantly, and we ended up saving them $7,600 a year in interest. And the loan was only $450,000 it wasnt a big loan, says their finance broker. The couple had two options: they could either reduce their repayments and have an extra $7,600 each year to play with or to save, or they could keep their repayments at the current level and pay down their loan more quickly. They had a family as well, so the money could certainly be used elsewhere, but the aim for them was to pay their loan off as soon as possible, so they continued to make the same repayments, and have been able to reduce their loan faster, their broker explains. Being able to reduce the debt significantly sooner than they originally planned means that the couple is now working towards purchasing an investment property. The plan is to reduce their debt first, and then be able to put funds aside for an investment purchase. They are absolutely on track to achieve that, says Ben and Saras broker. They are a fairly typical family, and they thought they were on a reasonable deal. It wasnt until they came to me for a home loan health check that we were able to show them that there were significant savings to be had by looking at an alternate lender. *from mfaa.com.au website. Names have been changed to protect customer privacy. Contact Nigel Keating at Sertori & Co Lending Centre today to help you find out if you are paying too much (03) 5352 4738 [email protected]. For background on Sertori & Co Lending Centre and Ballarat Lending Centre*, visit ballaratlendingcentre.com.au. *Credit Representative 501186 is authorised under Australian Credit Licence 389328. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

01.01.2022 Merry Christmas & Happy New Year! On behalf of Nigel and the staff at Sertori & Co Lending Centre, we would like to take this opportunity to express our gratitude and appreciation for your support in 2019. May you and your families have a safe and happy Christmas and enjoy good health and success in the new year.... Please note, our offices will close Friday 20th December 2019 at 5pm and will reopen on Wednesday 8th January 2020 at 9am.