Carruthers Financial Services

14/08/2025

🏦💸 Key Interest Rate Reduction Dates Announced! 💸🏦

Following the RBA’s recent decision to lower the official cash rate by 0.25%, several key lenders on our panel have announced when the reduction will be applied for existing customers. Check out when you can expect your rate to drop:

AMP: 22 Aug (new clients) / 25 Aug (existing clients)

ANZ: 22 Aug

Apollo by LMG: Already applied!

BankFirst: 21 Aug

Bankwest: 22 Aug

CBA: 22 Aug

ING: 26 Aug

Liberty: 27 Aug

MA Money: 18 Aug

Macquarie: 15 Aug

ME Bank: 30 Aug

Mystate Bank: 28 Aug

NAB: 25 Aug

UBank: 21 Aug

Westpac / St George: 26 Aug

Important Reminder: Most lenders do not automatically reduce your repayments with a rate cut. If you’d like your repayments lowered (to put more money in your pocket), be sure to contact your lender after your new rate kicks in and request an adjustment. If you don’t, you’ll pay off your home loan even faster—win-win!

If your lender isn’t listed here, please send me a DM and I’ll check the details for you

If you have questions or need a hand, we’re here to help. Let’s make the most of these changes together! 💰✨

31/07/2024

Check out our latest article

11/06/2024

Ensuring you and your family are safeguarded is crucial, especially with a mortgage in place. Discover in this video how the appropriate protection can provide you with tranquillity.

Feel free to reach out via DM if you're interested in reviewing your mortgage or repayment plan.

This is "Ana's Claim Story" by ALI Group on Vimeo, the home for high quality videos and the people who love them.

15/05/2024

Unexpected events can happen in life. I would like you to watch this video showing a recent claim through ALI Group for the "My Protection Plan" product. Protecting your financial well-being should always be part of your plan when taking out a mortgage.

Reach out if you want to discuss personal risk protection when taking out your loan.

Send a message to learn more

23/01/2024

Hitting the Right Note For Success - Cole Clark Guitars is one of hundreds of Australian manufacturers who partner with non-banks lenders and use Invoice Finance to turn their business dreams into reality.

See how one home-grown business used Invoice Financing to calm their cash flows to create a platform for growth.

The sweet sound of success for guitar manufacturer Cole Clark
https://sppartnermarketing.com.au/auto2/b63scgs62lc1s/bjmptix2aen4o/

16/01/2024

How Working from Home can benefit SME’s.

While the impacts of the coronavirus are being felt, it’s clear that for many SME businesses, the work from home/office hybrid model is not going to vanish when the virus does.

By incorporating strategies like remote working & flexible work hours into company culture, SMEs can find a healthy balance between productivity and employee happiness in the “New Norm”.

Check out our take on the right moves to make the ‘New Norm’ work for your business.

The 'new norm' - How to keep a balance when working from home.

https://sppartnermarketing.com.au/auto2/c4dnc3gdurw6u/bjmptix2aen4o/

09/01/2024

Why Cash Flow Loans are different -A cash flow loan can boost working capital and support growth without the need for real estate collateral.

Unlike a traditional loan, cash flow lending is based on your future cash inflows, not on the value of the physical assets on your balance sheet.

Here’s everything you need to know: https://sppartnermarketing.com.au/auto2/8krtwzesqstv/bjmptix2aen4o/

02/01/2024

5 restructuring fixes for Cash Flow Woes.

Your business finance & loan restructuring can be an effective way to manage cash flow, control debt, and capitalise on new loan products and deals.

Here are 5 ways it could boost your business.

Cash flow woes? 5 ways restructuring your loans could make all the difference.

https://sppartnermarketing.com.au/auto2/z8bafbbt505g/bjmptix2aen4o/

26/12/2023

Too many people claim to be a workaholic like its a good thing. It’s not, it can wreck your mental health and destroy your relationships. Here is how to strike the right balance. https://sppartnermarketing.com.au/auto2/2xki2d1xotr2/bjmptix2aen4o/

Too many people claim to be a workaholic like its a good thing. It’s not, it can wreck your mental health and destory your relationships. Here is how to strike the right balance.