Croft and Gray pty ltd

Croft and Gray pty ltd Croft and Gray is a registered Debt Agreement Administrator. We provide clients with effective and affordable solutions to their debt problems

Whether your problem or opportunity is business or personal we have the expertise and capacity to improve or solve your situation. Our philosophy is simple. We treat our clients with respect and understanding and provide an affordable solution. Our strategy is to employ high quality well trained staff. Develop and maintain excellent systems and support the organisation with good policies. This gen

erally ensures our client have a good experience with us and their problem is solved efficiently and effectively. As a consequence our costs are also generally below our competitors. Croft & Gray's Principals are both qualified accountants with extensive financial and business experience with major blue chip corporations. We provide consulting services to major corporates and SME’s. We employ high quality well trained staff and ensure our clients have a good experience with us while their problem is solved efficiently and effectively.

03/12/2020

We are constantly hear on the news about the problems that will arise after jobkeeper finishes and the banks require people to recommence repayments on their house and the level of mortgage stress but never do they talk about what to do to solve the problems. The reason is its complicated. But whatever your situation their is a solution and the sooner you look at the options the sooner you can solve the problem and get back on your feet. If you need help talk to us john or murray on 1300555237. For a free no obligation consultation. Good luck.

11/11/2020

STD'S Yes sexualy transmitted but not disease DEBT. Yes it is very common and it goes all ways. If you are in a relationship be carefull of what you agree to in regard to debts. Joint debts will be all yours if your partner skips town. A recent article listed a number of things you should avoid or change if your relationship is getting shakey.
Close joint bank accounts including credit cards.
Dont give your partner a second credit card on your account.
Dont allow your partner as a signatory on an account especially with an overdraft or redraw facility.
Do not be a guarantor for anyone.
Remove your name from any loan and or agreement that you can.
Good luck. But remember the more you plan or prepare the luckier you will be.
If you have any Debt or wills and or executor questions call 1300555237 for a free consultation.

08/09/2020

Dont wait until it's too late. If you are unable to pay you debts. Save your house if you can look at your options now go to croftandgray.com.au or ring 1300555237 for a free consultation.

25/08/2020

Get your unused travel payments back. A lot of people are still struggling to get refunds for travel which was not used because of covid19. If you paid by credit card you can claim back these expenses and in many cases you will succeed. In some instances the supplier may fight if he has a no refund clause in the contract. But it is a quick and easy
way to get a refund. Good luck.

20/08/2020

If you have a Qantas frequent flyer card link it to the BP PETROL CARD and get qff points on your petrol purchases. Incidently BP premium fuel is generally a few cents cheaper than shell because its market from standard fuel is less.

03/08/2020

The covid crunch hasn't really struck everybody yet. Prepare yourself by reducing cost that are in your control. Electricity is becoming a bigger cost. You can save by understanding how you are charged. If you have an off-peak tariff then you should schedule as much electricity use to that time as you can. Use the time delay on your dishwasher, your washing machine and your pool if you have chlorination and filtering.

01/08/2020

WITH MORTGAGE STRESS INCREASING AND INCOMES DROPPING YOU MAY SOLVE YOUR PROBLEM BY USING YOUR BANK PRODUCT WHICH ACTS LIKE A REVERSE MORTGAGE BUT THERE IS NO INTEREST YOU SIMPLY SELL UP TO 50% OF YOUR EQUITY AND THE BANK COLLECTS THEIR SHARE ONLY WHEN YOUR HOUSE IS SOLD. FOR MORE INFO OR DEBT HELP RING 1300555237

27/07/2020

Is there opportunities in the corona virus gloom. Yes. A friend asked me about moving to Queensland. He and his daughter are thinking about it. Upon examination it looks like a good opportunity to see property in victoria while it is still relatively high and buy good quality better value home in qld. In my friends case he can sell his Victorian home for about $850k buy an equidistant home for about $550 and he has $ 300k to put in his super and or buy a boat.

10/05/2020

Well I put into practice my own advice to ask for 50% discount on a number of supplies. I started with home insurance. I asked my bank for 50 % off my mum's house insurance. The initial response was ahh no we can't do that. After further discussion I increased the home over from 550k to 770k and also increase the excess from 500 to 5000. I also cancelled her contents insurance as most things were really not worth claiming. As a result the insurance actually went down by 49.8%.
Insurance of all kinds are soft targets to get savings.

07/05/2020

You can save significant amounts on you house and contents insurance. Just ask for a better deal. Also for house insurance which virtually nobody claims against. Increase your excess to $5000 as this will reduce your premium. I asked for s 50% reduction today and after adjusting the excess and eliminating contents I achieved thay reduction. On another property without any change to cover I was given about 20% reduction. Go for it

28/04/2020

Balance transfers offer a
Good opportunity to escape some or all of your credit card debt without paying interest. Bendigo bank is currently offering 18 months interest free on credit card balance transfers. It does cost an initial 2% fee on the balance and I'm sure there are other conditions. Check it out thoroughly before you act. Good luck.

23/04/2020

TIME TO CONSIDER REFINANCING. With interest rates incredibly low Check your current housing interest rate and look around for a much better deal. A small change in your interest rate can have a big effect on your repayments. 1% change on a $500000 loan is $100 a week in interest alone. If you need help just call john or MURRAY on 1300555237

Address

257 Chapel St
Prahran
3181

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

Website

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