Interest Rate Update.

Look at our competitive rates, compared to 3 months ago!

Chattel Mortgage, Hire Purchase, Lease	7.53%
Compared to September 2008	9.59%
Business Loan- Fixed 3 years Fixed 3 years	6.65%
Compared to September 2008	8.45%
Home Loan-Standard Variable	6.04%
Compared to September 2008	8.63%

There has never been a better time for us to review your finances and ensure you are getting the best possible deal from your bank.
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Indicative Interest Rates available through Perks Finance are:

Equipment & Motor Vehicle Finance 1
Chattel Mortgage, Hire Purchase, Lease	7.53%2

Business Loans 3
Fixed 1 year	5.80%
Fixed 2 years	6.10%
Fixed 3 years	6.65%
Fixed 4 years	7.00%
Fixed 5 years	7.10%
Fixed 10 years	7.25%
Variable	8.00%
Overdrafts	8.49%

Home Loans 4
		Comparison Rate
12 months Introductory Variable	5.71%	6.64%
Standard Variable	6.04%	6.05%
Line of Credit	6.09%
Fixed Rates:
1 year	5.79%	6.02%
3 years	5.19%	6.50%
5 years	6.19%	6.62%
Low Doc Variable	6.09%

Interest Rates for Business Loans secured in full or part by commercial security are calculated by the bank or financier based on your individual circumstances.

Please contact Perks Finance for a personalised quote.

1. Rates are dependent on term, balloon, type and age of equipment.
2. Rate based on $50,000 new vehicle over 5 years with nil balloon.
3. Fully secured by residential security. Other rates available upon request.
4. Comparison rates based on $250,000 over 25 years. Comparison rates are available upon request or from the office of Perks Finance Pty Ltd.

Terms, conditions, rates and charges apply to all lending products.

Phil Wigley Director pwigley@perks.com.au

Perks...Out in the Market Place

Click on the links below to read the latest artciles published in Communique magazine and Hotels SA: 

• Communique- Spring 2008 
• Communique- Summer 2008 
• Hotels SA- December 2008 

Christmas Wishes from Perks Finance!

From the team at Perks Finance, we thank you for your support throughout 2008 and wish you a very Merry Christmas!

We look forward to assisting you with all your business and personal finance needs in the coming year.

For more information please contact Perks Finance today on 08 8273 9300 or email our team to arrange a quote.

Finance Review and Audit.

Official Cash Rate.

Australia.

• Building Approvals for private sector houses fell 2.7% in October 2008.
• Housing Finance for Owner Occupation decreased by 1.0% in October 2008 compared with September 2008.
• The Unemployment Rate increased by 0.1% to 4.4% in November 2008.

United States.

• CPI decreased 1.00% in October 2008.
• The Unemployment Rate for November 2008 increased to 6.7%.

England.

• The volume of retail sales in the three months to October 2008 was 2.2% higher than the same period a year ago.
• The Halifax House Price Index fell by 2.6% in November 2008.

New Zealand.

• Residential building consents in October 2008 were 32% lower than in October 2007.Total retail sales fell 1.3% for October 2008 compared with September 2008.

For more information please contact:

Phil Wigley at
pwigley@perks.com.au  

John Seidel at jseidel@perks.com.au  

Jim Materne at jmaterne@perks.com.au or

Maryann Ianni at mianni@perks.com.au

Adelaide
247 Fullarton Road
Eastwood SA 5063
T: (08) 8273 9300
F: (08) 8274 1466
Web: perks.com.au

Victor Harbor
163 Hindmarsh Road
Victor Harbor SA 5211
T: (08) 8552 3711
F: (08) 8552 3771

Darwin
59 Smith Street
Darwin NT 0800
T: (08) 8941 8600
F: (08) 8941 9600

Alice Springs
73 Hartley Street
Alice Springs NT 0870
T: (08) 8953 4400
F: (08) 8953 4599