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| Equipment & Motor Vehicle Finance 1 &2 | ||
| Chattel Mortgage, Hire Purchase, Lease |
8.9% |
|
| Business Loans 3 | ||
| Fixed 1 year |
7.59% |
|
|
Fixed 2 years |
7.79% |
|
|
Fixed 3 years |
7.89% |
|
|
Fixed 4 years |
8.24% |
|
|
Fixed 5 years |
8.29% |
|
|
Fixed 10 years |
9.20% |
|
|
Variable |
7.76% |
|
|
Overdrafts |
7.81% |
|
Comparison Rate Standard Variable5 6.9% 7.06% Line of Credit 7.13% 7.19% Fixed Rates: 1 year 6.94% 7.42% 3 years 7.24% 7.63% 5 years 7.64% 7.73%
Home Loans 4
All interest rates for the above are for secured loans. 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.
5 LVR < 75%
Terms, conditions, rates and charges apply to all lending products.
Phil Wigley Director pwigley@perks.com.au |
 |
| Why would I use a Finance Broker? As the market becomes increasingly complex, more people are turning to Finance Brokers. Here are just some of the reasons why: Finance Brokers can save time The choices now available in the market can seem limitless and completely overwhelming. You can choose to research the subject, the Lenders and their products yourself, or work with a Finance Broker who already has that knowledge.
Finance Brokers have a panel of Lenders from which they recommend a loan. They have to become accredited with the Lender to offer their product, and are required to keep up-to-date with their latest offers.
The best deal is not necessarily the cheapest rate. A good Finance Broker will examine your circumstances and future plans to recommend a loan that is right for you. Having an appropriate loan which works for you can help you build wealth.
Most Finance Brokers don't charge a fee for their service as the Lenders pay them a commission for the loans they write. Most Lenders offer the same rate via the Finance Broker as they would directly, and a Broker could save you money in other ways.
To save time and money, call the team at Perks Finance on 08 8273 9300 or at perks_finance@perks.com.au to arrange a quote. |
Source: MFAA: www.essentialsofborrowing.com.au
Perks Finance is a Full Member of The Mortgage & Finance Association of Australia (MFAA), which binds us to the strict codes of practice and guidelines set out by the Association. MFAA is the peak representative body ensuring the orderly and ethical working of the mortgage and finance industry in Australia.
Finance Review
& 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.
| Australia | 4.75% |
| United States | 0.25% |
| England | 0.50% |
| New Zealand | 3.00% |
Australia
CPI rose 2.7% through the year to the December quarter 2010
The Unemployment Rate decreased to 5% in January 2011
Housing Finance for Owner Occupation rose by 1.6% in December 2010 compared with November 2010
United States
CPI increased 0.5% in December 2010
The unemployment rate for January 2011 decreased to 9.0%
England
Total sales volume in the three months to December 2010 was 0.4% higher than the same period a year ago
The Halifax House Price Index increased by 0.8% between December and January 2011
New Zealand
Residential Building consents in December 2010 were 26% lower than in December 2009
For more information
please contact:
Phil Wigley
pwigley@perks.com.au
John Seidel
jseidel@perks.com.au
Jim Materne
jmaterne@perks.com.au
Luke Robertson
lrobertson@perks.com.au
Maryann Ianni
mianni@perks.com.au
Adelaide
247 Fullarton Road
Eastwood SA 5063
T: (08) 8273 9300
F: (08) 8274 1466
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
Suites 3-4
8 Gregory Terrace
Alice Springs NT 0870
T: (08) 8953 4400
F: (08) 8953 4599
www.perks.com.au
