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| Equipment & Motor Vehicle Finance 1 &2 | ||
| Chattel Mortgage, Hire Purchase, Lease |
9.10% |
|
| Business Loans 3 | ||
| Fixed 1 year |
6.19% |
|
|
Fixed 2 years |
6.84% |
|
|
Fixed 3 years |
7.29% |
|
|
Fixed 4 years |
7.69% |
|
|
Fixed 5 years |
7.79% |
|
|
Fixed 10 years |
8.70% |
|
|
Variable |
5.69% |
|
|
Overdrafts |
5.74% |
|
Comparison Rate 12 months Introductory Variable 4.91% 6.03% Standard Variable 5.34% 5.44% Line of Credit 5.44% Fixed Rates: 1 year 5.70% 6.06% 3 years 7.09% 5.85% 5 years 7.49% 6.30% Low Doc Variable 5.49%
Home Loans 4
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 |
 |
When the going gets tough!
Have the banks got money to lend your business?
Is the only time you hear from your manager when your margins are increasing?
Can you borrow less now against your property than before the GFC?
Is Commercial Property a dirty word?
Do you want to position yourself for growth as the economy improves?
In these days of reduced competition among financiers, continuing pressures on your time and resources Perks Finance can help your business move forward and grow by:
- Reviewing your current interest rates, margins and fee structures.
- Review current security structures, maximising discounts available in the market place.
- Review product options to achieve the best results for residential/commercial properties, irrespective if for business/personal use.
- Achieve the necessary separation between personal and business assets.
If you believe you deserve a higher level of service and improved financing options consider Perks Finance.
At Perks Finance, we will review and arrange a competitive loan package to suit the individual needs of your business. We work closely with you to help decide exactly what you want in your banking requirements and then source the finance you require, including overdrafts, bank bills, long term loans, leasing, cash flow finance, facilities to meet your import/export requirements and business credit cards. Importantly, if you have residential security we can obtain home loan rates on your borrowings.
If you believe you are not achieving the best possible deal from your existing bank or feel you are being taken for granted because of ‘The GFC’, we would be pleased to assess your current banking arrangements. We can either find an alternative financier for you, or negotiate a better financing package on your behalf from your existing bank.
To talk with a Business Lending Specialist please contact Phil Wigley or John Seidel on 8273 9300 or at perks_finance@perks.com.au
Finance Review and Audit.
If you are not sure you are obtaining the best possible deal from your existing bank, we would be pleased to assess your current banking arrangements. We can either find an alternate financier for you or negotiate on your behalf to get a better deal from your existing bank.
Official Cash Rate.
| Australia | 3.25% |
| United States | 0.25% |
| England | 0.50% |
| New Zealand | 2.50% |
Australia
-
Building approvals for private sector houses rose 3.1% in August 2009 and has risen for 8 months.
-
The unemployment rate decreased by 0.1% to 5.7% in September 2009.
-
Housing Finance for Owner Occupation decreased by 0.1% in August 2009 compared with July 2009.
United States
- CPI increased 0.4% in August 2009.
- The unemployment rate for September 2009 increased to 9.8%.
England
-
The volume of retail sales in the three months to August 2009 was 1.2% higher than the same period a year ago.
-
The Halifax House Price Index increased by 1.6% in September 2009.
New Zealand
-
Residential building consents in August were 3.6% lower than in August 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
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