Toram Finance

05/07/2023

Ishani Dave& Hardik dave Garba Night
First Garba of the year 2023 in Perth

14th July ONLY $15

Book your ticket: https://www.premiertickets.co/event/maniyaro-2023-perth/

Event By: Krishna Entertainment and Toram Finance

Migration Partner: Aussizz Group

Accounting Partner: Perth Taxation Services

Platinum Sponsor: PDCD Homes Total Solar WA SAFE Driver Training

Gold Sponsor: Gita Jewellers The Designer Outfit. Spicy World
Akshar Imports Australia Property inspection

Supported by: Fusion Rentals 9 Marys PHD- Preeti Hair Design Saptarshi Group Foundation Pump ServicesDesi Kothi Icecream Perth WA Dreamline Photography

27/03/2023

Read this and never worry about your credit score!

Did you know that your credit score plays a critical role in securing a loan? A good credit score can help you get better interest rates and terms on your loan. Here's how to improve your credit score:

🔸 Make timely payments on all your bills and loans. Late payments can negatively impact your credit score.
🔸 Keep your credit card balances low. High credit card balances can indicate that you are over-extended and may negatively impact your credit score.
🔸 Limit new credit applications. Each time you apply for credit, it shows up as an inquiry on your credit report and can negatively impact your credit score.
🔸 Monitor your credit report regularly and dispute any errors you find.
🔸 Pay off any outstanding debts you may have. This will show that you are responsible and creditworthy, which can help improve your credit score.

Is your credit score holding you back from getting a loan? Get in touch with us at Toram Finance. We can help you understand the importance of your credit score and provide you with tips to improve it.

DM “YES” to get started right away!

20/03/2023

Tips for first-time homebuyers to get the best mortgage deal.

Attention first-time homebuyers! Are you looking to buy your dream home but don't know how to get the best mortgage deal? Here are some tips that can help you:

☑️ Start by checking your credit score. A good credit score can help you secure better interest rates and terms on your mortgage.

☑️ Shop around for different lenders and compare the rates and terms offered by each. Don't settle for the first lender you come across.

☑️ Consider a smaller down payment. A larger down payment can reduce the amount you need to borrow and, in turn, lower your monthly mortgage payments.

☑️ Get pre-approved for a mortgage. This will give you a clear idea of how much you can afford to spend on a home and what your monthly payments will be.

☑️ Hire a good real estate agent who can help you find the right home within your budget and negotiate the best deal for you.

Are you a first-time homebuyer looking to get the best mortgage deal? Get in touch with us at Toram Finance! We have a decade of industry experience and can help you secure the best mortgage for your dream home.

Dave Satyam
[email protected]
0400916018

13/03/2023

Are you considering a mortgage loan?

Then you need to know about the role of a mortgage broker.

Firstly, Hello! I am Dave Satyam, founder of Toram Finance. As a seasoned mortgage broker with a decade of industry experience, I help you navigate the complex world of loans and find the best loan products to meet your needs.

From pre-approval to settlement, I will be with you every step of the way. I work with various lenders to ensure you receive the best loan options and rates. As a result, you can trust that you won't fall into the trap of lenders with your eyes close.

On top of all this, I will also handle all the paperwork and negotiations, making the loan process as smooth and stress-free as possible.

Don't go it alone. With a mortgage broker by your side, you'll have a trusted advisor who can help you make informed decisions and achieve your dream of homeownership. Get in touch today to learn more about how I can help you secure your dream home!

06/03/2023

Thinking of applying for a loan?

It's important to consider all the factors before you take the plunge. From your credit score, income, and expenses, to the loan amount and interest rate, these are all factors that will impact your loan application.

- Take the time to understand your financial situation and determine how much you can afford to repay.
- Consider your credit score and history, as well as your employment status and income.
- It's also important to understand the loan terms and interest rate, and to compare loan products from different lenders to find the best deal for you.

This will help you choose a loan amount that won't stretch you too thin.

A healthy reminder: Don't rush into a loan without knowing what you're getting into. Take the time to understand the process and make an informed decision that meets your financial needs.

Stuck somewhere? My DM’s are always open for you!

27/02/2023

Confused about the different types of loans available? Don't worry, you're not alone! With so many options, it can be difficult to know where to start. That's why We're here to break it down for you.

From personal loans to home loans, car loans, and business loans, each type of loan has its own unique benefits.

- Personal loans are great for consolidating debt or covering unexpected expenses
- Home loans can help you achieve your dream of homeownership.
- Car loans can make it easier to purchase a new or used vehicle.
- Business loans can help you grow your business and reach new heights.
- Construction loans can be useful for builders, construction firms who want some funds to invest

Loan types doesn’t ends here. There are many other types of loans as well.

It actually depends on what your needs are!

Understand the benefits of each loan type and make an informed decision that best fits your financial needs. Don't let loan confusion hold you back. Get in touch today and let's start exploring your options!

For more details, just call us at: 📞📞📞
0400916018 or email [email protected]

20/02/2023

Mortgage Industry Poll: What do you think is the biggest challenge facing homebuyers today?

A) High interest rates
B) Tight lending criteria
C) Lack of housing supply
D) Other

Let us know your thoughts in the comments below and stay tuned for the results!

Let us know your thoughts in the comments below and stay tuned for the results!

13/02/2023

Breaking News: The Reserve Bank of Australia announces an increase in interest rates. How will this impact the mortgage market?

I believe this is a great opportunity for homeowners to review their current mortgage and see if refinancing could help lower their repayments.

On top of all, If you're thinking of buying a home, this may be the perfect time to lock in a low-interest rate before they go up.

In fact, you can even save large sums of your interest just by preponing your decision and moving to your new house or getting your desired asset a bit ahead of time.

The only catch is, you must take care despite of a prompt action. This is where you may need someone with experience who can put sunshine on the right product leaving away all the dust.

Toram Finance is here to help! Get in touch to learn more about your options and how we can help you achieve your homeownership dreams.

Over and out,
Dave Satyam
[email protected]
0400916018

"

02/02/2023

Are you confused about the different types of loans available and unsure which one is best for your specific needs? You're not alone! As a mortgage broker, I understand the overwhelming feeling of trying to navigate the loan process. But, this will not be a problem now! I am here to assist you in clearing all your doubts.

First, it's important to understand the difference between secured and unsecured loans. Secured loans, such as a mortgage or car loan, require collateral (i.e. the house or car) to secure the loan. Unsecured loans, on the other hand, do not require collateral and include personal loans and credit cards.

Next, look into the different types of loans within each category. For example, in the secured loan category, there are fixed-rate mortgages and variable-rate mortgages. In the unsecured loan category, there are consolidation loans and peer-to-peer loans.

It's also important to consider the terms and interest rates of the loan, as well as any fees associated with it. And don't forget to review your credit score and financial situation before applying for a loan.

Don't let the confusion of loan options hold you back. By educating yourself on the different types of loans available and what they entail, you can confidently make the best decision for your specific needs.

And if you need additional help, I am available for consultations to guide you through the process. Hit me up in DMs to book a call.

Over and out,
Dave Satyam
[email protected]
0400916018

#2023

23/01/2023

⭐️⭐️⭐️⭐️⭐️
We don't need to brag about how we make a difference; the level of excellence we provide testifies for itself.
Another positive response from our client! 💖
For your free home loan health check, get in touch with us today!
We are offering a FREE 1:1 consultation.
Phone No.: 0400916018
Email: [email protected]

16/01/2023

Refinancing your home loan can result in a lower interest rate, lower repayments, and even cash back offers from lenders.

When was the last time you looked over your mortgage?

Contact us today for your free home loan health check!

We are offering a FREE 1:1 consultation. Please reserve a time on our calendar at your earliest convenience.
https://calendly.com/davesatyam/15min

Email: [email protected]
Phone number: 0400916018

09/01/2023

Banks determine your borrowing capacity according to their risk acceptance, which is why your borrowing ability may differ from lender to lender.

Aside from that, lenders may take into account the following factors:

🏡 Your earnings and financial obligations
🏡 Your credit history
🏡 The assets you may possess
🏡 The amount of your deposit
🏡 The loan term and interest rate you desire
🏡 Valuation of the property you want to buy

As you can see, there are several factors!

If you need assistance navigating this process, please contact Toram Finance, as we will be back in the office and operating as usual starting today, Monday, January 9th, 2023.

We are offering a FREE 1:1 consultation. Please reserve a time on our calendar at your earliest convenience.

https://calendly.com/davesatyam/15min

In the meantime, please visit our website to access all of our helpful resources:

https://toram.smartonline.com.au