Tompkins Financial Services

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https://www.buyerschoice.com.au/broker/jamestompkins/

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Australia
Croydon, VIC
Tompkins Financial Services

Assist families, companies and individuals with their mortgage needs. Property purchase or simply refinancing to get a better deal!

28/01/2026

James Tompkins is a credit representative (484875) of BLSSA Pty Ltd. ACN 117 651 760 (Australian Credit Licence 391237).

18/02/2025

Good afternoonon friends & family,

The Reserve of Australia (RBA) has today reduced the official Cash Rate by 0.25%, to 4.10%.

This means if your Loan to Value (LVR) ratio is less than 80% - divide your home loan debt by your the value of your home, you should not be paying more than 6.00% post your Bank passing on any reduction.

Some lenders are offering 5.74% - Standard Variable Rate (SVR) for lending >$250k, with

21/07/2024

It’s FY’25, and tax planning will be required for your business. I’ll assume you have an excellent Accountant.

Are all of your ATO commitments up to date? If not call me to explore available financial alternatives to paying ATO interest rates….it may also reduce your personal stress levels.

James Tompkins
0418 50 2020

31/03/2024

Happy Easter to all🙏

No doubt over the Roast Lamb & spuds, cost of living discussions were had. Throw in interest rates on your home loan as the entree, and the business Tax debt for dessert, I bet you’re full as…& over it.

I’m available for a confidential discussion on how I will explore your options to improve your financial position.

I’m a straight shooter & be honest with you.

Contact me at your earliest convenience.

James - 0418 50 2020
Tompkins Financial Services

10/03/2024

I do not authorize META, Facebook or any entity associated with Facebook to use my photos, information, messages or posts, past or future.
With this statement, I notify Facebook that
it is strictly prohibited to disclose, copy, distribute or take any other action against me based on this profile and/or its contents. Violation of privacy may be punishable by law.

24/10/2023

Income tax returns are being completed by many of my clients for the 2022 & 2023 financial years…..some will have new tax debt that they haven’t made provisions for.

The ATO are not as kind as they were in the COVID years…

Solution:- call me to explore your finance options.

James Tompkins
Tompkins Financial Services
0418 50 2020

23/09/2023

Spring ‘23 Finance update:-

The official Reserve Bank of Australia (RBA) cash rate is 4.10%. Two years ago it was 0.10%. This means your variable rate home loan may have increased by 4.00% in line with the RBA rises…

Living expenses have risen…..ouch…

Your personal circumstances may have changed…or about to change….another child? New job? Tax debt, divorce, need another vehicle, you want to work for yourself, school fees…your house is too small - upgrade, renovate or become a property mogul???

The first show of strength you can employ, is by asking for help. Not to be judged, helped…

This week I’ve helped clients with their Tax debt issues, upgrading their home, buying land/building a house, refinancing their finance to obtain an improved ‘deal’

I have access to over 40 Lenders who can help with your Residential, Commercial, Superannuation lending & car finance needs…First Home Buyers are clients Lenders need, & attractive Govt. benefits are available.

These lenders will consider waiving the requirement of you paying costly Lenders Mortgage Insurance (LMI) premiums if you are a Nurse, Teacher, Vet, Police Officer - many more employment categories qualify - T & C’s apply.

Call me this week to discuss what’s on your mind…

Cheers, James.

05/09/2023

I do not give Facebook or any entities associated with Facebook permission to use my pictures, information, messages or publications, past and future. With this statement, I notify Facebook that it is strictly forbidden to disclose, copy, distribute or take any other action against me based on this profile and/or its contents. The violation of privacy can be punished by law.

14/05/2022

I’m an accredited Mortgage Broker.

Please read the article below and share your thoughts.

James - 0418 50 2020

12/05/2022

***Paying too much Tax?***

June 30 is fast approaching and you don’t have a lot of time to discuss and finalise your Tax planning for the 2022 financial year.

I’m self employed and will be making contributions to my Super fund before 30/6. My Accountant advised me this contribution will be tax deductible.

My Financial Planner advised me if my Super balance is < $500k I can make more than the standard annual contributions to my Super fund. Again tax deductible…

Conditions apply.

Please speak with your Financial Planner / Accountant soon so you don’t miss out on these important financial matters.

Call me if you would like to be introduced to a qualified Financial Planner &/or Accountant.

James Tompkins - 0418 50 2020
Tompkins Financial Services

08/05/2022

•••Finance update••••

Did you realise in their quest to capitalise on revenues from sales of Advertising space, the media is ‘scaring’ some folks into believing they’ll never be able to afford a residential property to live in.

Just completed a Home loan servicing calculator for a young couple with no kids. Based on their combined income of $100k, a credit card limit of 5k & living expenses of $27k pa, indicatively today they can Service a home loan for $695k. Loan repayments are $2.7k per month.

They need a deposit towards any purchase. - Generally 5% minimum+costs.

I have 40 lenders on my Panel, some that offer Employment based product benefits. i.e. nurse/police/paramedics have Lenders Mortgage Insurance (LMI) premiums waived up to 90% LVR…

Will property prices significantly fall? Will immigration numbers into Australia increase? Supply/Demand….

Anyways, I was speaking with folks at a social function….if you want to live in Camberwell but can only afford, Croydon, you know what you need to do…make realistic changes to your plans or just start with a plan! Set realistic financial goals and achieve them!

Call me if you want to have a robust discussion about finance. I can’t be everything to everyone as I follow the Bank’s rules. I do KNOW the rules as I’m a Mortgage lending professional.

James Tompkins
0418 50 2020

17/08/2020

I saw this Herald-Sun economy/interest rate update worth sharing.

It’s time for me to review the Interest rate you’re paying as you may be paying too much. I have access to 30+ lenders, each with their unique lending niche. Luckily, I can find a solution to the most complex or straight forward scenario.

Call me or send me an email or txt.

Stay safe. James.

Address

Croydon, VIC

Telephone

+61418502020

Website