Adam Flynn - St James Finance

05/09/2020

For Your Interest,

Please find below a range of competitive Home Loan rates and offers for your consideration:

Owner Occupied Properties:

2.49% Variable – free online redraw and unlimited extra repayments

2.59% Variable – with optional offset account, free online redraw and unlimited extra repayments

2 Years Fixed 2.09%

3 Years Fixed 2.14%

5 Years Fixed 2.54%


Investment Properties:

Variable 2.79% - For Principle & Interest repayments

Variable 2.89% - For Interest Only repayments

2 Years Fixed 2.64% - Interest only repayments

3 Years Fixed 2.49% - Principle & Interest repayments

5 Years Fixed 3.09% - Interest Only repayments

Cash back offers also available for refinances and purchases through various lenders. Up to $3,000 OR $2,000 per security refinanced subject to some conditions

Please note all rates and offers are subject to change at any time, so if you are interested and would like to discuss in more detail, please do not hesitate to contact me on 0413 337 334, PM, or email [email protected]

16/05/2019

🙌Home Loan Rate Update 🙌
💥Sharp offers available💥

Owner Occupied Homes:
➡️ 3 years Fixed 3.48%!!!!!!!
➡️Variable with offset 3.69%
➡️ Variable 3.55%

Investment Properties:
➡️3 Years Fixed 3.69%
➡️Variable 3.99%
➡️Variable 4.24%

💥Cash back offers up to $3,000 also available through some lenders for refinances and up $2,000 for new property purchases💥

If you would like to discuss in more detail, please call or 📧 Adam on 0413 337 334 or [email protected]

10/08/2018

03/07/2018

For your Interest,

The Reserve Bank of Australia decided to once again leave the official cash rate unchanged at 1.5% with the last rate move back in August 2016. I'd like to share today's rate announcement and the thoughts on why the Reserve Bank of Australia has made this decision.

The economy appears delicately poised with slow wages growth, low inflation, a slowing housing market, tighter lending policies and high levels of household debt now leading some economists to believe that the next rate change could be down. Contrasting this, we have seen some lenders increase rates out of cycle, citing an increased cost of funds as the reason. Until the RBA sees a strong economic lead one way or the other it is highly likely to continue to leave rates as they are.

While there has been no change in the cash rate, there continues to be strong competition amongst lenders, with rates available as low as 3.59% for owner occupied lending and 3.99% for investment lending.

If you would like to discuss your finance options. Whether it be for a refinance, a new purchase or you would simply like to know your borrowing capacity. Please do not hesitate to contact me on 0413 337 334, PM me, or email [email protected]

11/06/2018

For Your Interest,

Please find below a list of various competitive Home Loan rates currently on offer.

These rates are available for new purchases and refinances:

Interest Rates for Owner Occupied Properties:
3.63% Variable – Features Offset account, free online redraw and unlimited extra repayments
4.08% Variable – Interest Only repayments - Features Offset account, free online redraw and unlimited extra repayments
1 Year Fixed – 3.58%
2 Years Fixed – 3.72%
3 Years Fixed – 3.83%
4 Years Fixed – 3.92%
5 Years Fixed – 3.98%

Interest Rates for Investment Properties:
4.09% Variable – Interest Only Repayments - Features Offset account, free online redraw and unlimited extra repayments
3.97% Variable – Principle & Interest Repayments - Features Offset account, free online redraw and unlimited extra repayments
2 Years Fixed – 4.09% - Interest Only
2 Years Fixed – 3.99% - Principle & Interest Repayments

To discuss your eligibility, please do not hesitate to PM me, contact me on 0413 337 334, or email [email protected]

19/03/2018

For your interest,

Please see below a range of various home loan offers available for both owner occupied & investment properties:

Owner Occupied:
3.59% Variable – Principle & Interest repayments
2 Years Fixed 3.79% - Principle & Interest repayments
3 Years Fixed 3.89% - Principle & Interest repayments
4.09% Variable – Interest Only repayments

Investment:
3.99% Principle & Interest OR 4.09% Interest only repayments
2 Years Fixed 3.89% - Available on both Principle & Interest AND Interest only repayments

The variable offers all feature Offset accounts and optional credit card facilities if required.

Depending on your position, we can potentially structure the loans so you get owner occupied rates across your investment lending also.

To discuss your eligibility in more detail. Please do not hesitate to PM me, call me on 0413 337 334 or email [email protected]

07/03/2018

For your interest

The Reserve Bank of Australia yesterday decided to leave the official cash rate on hold at 1.50%.

With wages growth remaining modest & concerns emerging around the impact retail deflation is affecting the overall economy. Interest rates are predicted to be steady for the majority of 2018.

Even though rates remain unchanged. There is still strong competition amongst lenders. With variable rates available as low as 3.63% and Fixed rates of 3.54%.

If you would like to discuss your options. Whether it be a refinance, a new purchase or just wish to know your borrowing capacity. Please do not hesitate to contact me on 0413 337 334, PM me, or email [email protected]

16/02/2018

Looking to Refinance your Home Loan, or in the market for a new property purchase???

Please see below a range of various home loan offers available for both owner occupied & investment properties:

Owner Occupied:
3.59% Variable – Principle & Interest repayments
2 Years Fixed 3.79% - Principle & Interest repayments
3 Years Fixed 3.89% - Principle & Interest repayments
4.09% Variable – Interest Only repayments

Investment:
3.99% Principle & Interest OR 4.09% Interest only repayments
2 Years Fixed 3.89% - Available on both Principle & Interest AND Interest only repayments

The variable offers all feature Offset accounts and optional credit card facilities if required.

Depending on your position, we can potentially structure the loans so you get owner occupied rates across your investment lending also.

To discuss your eligibility in more detail. Please do not hesitate to contact me on 0413 337 334, PM me, or email [email protected]

10/11/2016

For your interest,

Below, are some of the more competitive home loan offers currently available, since the recent reserve bank announcement:

Total borrowings of more than $150,000 – With a Loan to Value Ratio below 80%:
3.74% Variable for owner occupied loans
3.99% Variable for investment loans
3.59% Fixed for 3 Years for owner occupied loans
3.74% Fixed for 3 Years for investment loans

Total borrowings of more than $150,000 – With a Loan to Value Ratio up to 95%:
3.89% Variable for owner occupied loans
4.09% Variable for investment loans
3.69% Fixed for owner occupied loans
3.89% Fixed for 3 Years for investment loans

To discuss in more detail, please do not hesitate to contact me on 0413 337 334 or email [email protected]

04/10/2016

The Reserve Bank of Australia has resisted the temptation to further lower rates this month. Keeping the cash rate on hold at 1.50%, and in turn allowing more time to measure the impact of the August rate cut.

For Your Interest. Below are a range of the most competitive lender interest rates on offer:

Lending for Owner Occupied Properties
Variable 3.75% - 3 year intro rate
Variable 3.79% - Lifetime discount off the banks standard variable rate
3 years Fixed 3.59%
5 years fixed 3.85%

Lending for Investment Properties
Variable 3.88% - Lifetime discount off the banks standard variable rate
Variable 4.10% - For lending above 80% of Property Value
3 Years Fixed 3.79%
Variable 3.84% - If investment and owner occupied properties are combined, and the owner occupied lending is more than 50% of total lending amount

If you would like to discuss your eligibility, please do not hesitate to contact me on 0413 337 334, PM me, or email [email protected]