Sydney Mortgage Broker - J.C. Finance

🏠 “Unlocking Your Mortgage Freedom: Fixed or Variable?”

🔍 Are you ready to make the most of your home loan? Let’s explore the options that await you as your fixed-rate term approaches its end:

Fixed Loan Warriors:
Refix Your Rate: If you’ve enjoyed the stability of a fixed rate, consider re-fixing for another term. Lock in competitive rates and peace of mind.
The Countdown: By value, $51 billion in fixed-rate loans are set to roll over in the six months to December 2023, with another $44 billion in the preceding six months from January to June1.
Your Choice: Evaluate your financial goals and decide whether to stay the course with fixed rates.

Variable Loan Voyagers:
Embrace Flexibility: Variable rates can adapt to market changes. As the Reserve Bank of Australia (RBA) eyes easing rates, this could be your opportunity.
Inflation Insights: Economists predict the RBA may start cutting rates from September 2024 onwards.
Tax Cuts vs. Rate Cuts: Looming tax cuts will put cash back in households’ pockets just as the RBA aims to tighten the economy. Expect Australia’s first rate cut around September.

Our Expert Take:
Brett Sutton, Two Red Shoes mortgage broker, advises against blindly sticking to your lender’s standard variable rate. Explore the market for better deals.

Stay Informed: Keep an eye on economic trends and consult mortgage brokers for personalized advice.

Remember, whether you’re a fixed-rate loyalist or a variable-rate adventurer, your mortgage journey is uniquely yours. 🌟🏡💰

☎️ Call 8068 6518
🌐 jc-finance.com.au
📍 Suite 227, 813 Pacific Highway, Chatswood NSW 2067

📉 Escape high interest rates! 📉
🌟 SMSF Loan Rate Reduction 🌟

👉 Are your SMSF loan interest rates draining your finances? It's time for a change! 💰·

🤩 Let us help you lower your rate to an incredible 6.89%. 💸 Take control of your financial future today! 🚀

Message us to learn more. Your path to financial freedom starts here. 💪

☎️ Call 8068 6518
🌐 jc-finance.com.au
📍 Suite 227, 813 Pacific Highway, Chatswood NSW 2067

🏡 Breaking Free from Mortgage Prison! 🏡

Are you feeling trapped by your mortgage? Don't worry; you're not alone, and there's a way out!

At J.C. Finance, we specialize in helping families like yours achieve financial freedom.

🔑 Unlock Your Path to Freedom:
✅ Lower Interest Rates
✅ Flexible Repayment Plans
✅ Expert Mortgage Guidance

🌟 Let's work together to transform your mortgage from a prison to a stepping stone toward your dreams. 🌟

📨Message us today to start your journey toward mortgage liberation! 💬

☎️ Call 8068 6518
🌐 jc-finance.com.au
📍 Suite 227, 813 Pacific Highway, Chatswood NSW 2067

🏡 Homeownership Made Easy with J.C. Finance Home Loans! 🏠✨

Looking to buy your first home? Invest in a new property? Need to refinance? No worries! With over 15 years of experience, we've got you covered.

✅ First Home Buyer? We'll guide you every step of the way.
✅ Eyeing an Investment Property? Let's make your dreams a reality.
✅ Overseas Income? We know how to navigate the complexities.
✅ Time to Refinance? Discover better rates with us.
✅ Building Your Home? Our construction loans have you sorted.

Say goodbye to stress and hello to your new home. Contact us today to get started. Your journey to a new chapter begins now!

📞 (02) 8068 6518
🌐 www.jc-finance.com.au

🚘 J.C. Finance - Your Key to Financial Freedom! 🏘

🔹 Unlock Your Dreams with Our Services 🔹
🏠 Home Loan
🏗 Development Loan
🏢 Business Loan
🏪 Commercial Property Loan
🚗🏭 Car/Equipment Loan

🔸 Your Financial Journey, Our Expertise 🔸
🔍 Customized Solutions for You!
💡 Fastest Loan Processing
🏆 Best Loan Interest Rates

🌐 Multi-Channel Loan Solutions
🌍 Serving English & Chinese Speaking Clients

📞 Contact us today for a FREE Consultation!

ℹ️ Call 8068 6518 📣
🌐 jc-finance.com.au💖

Need a commercial loan or know someone who does? Why not drop us a line and see if we can help?

Feel free to call us at (02) 8068 6518

For more information visit jc-finance.com.au

We are licensed mortgage brokers who are accredited with all major banks and many second tier lenders. We customise client's specific circumstances individuals and select the most suitable and cost-effective products for them.

For more information visit jc-finance.com.au or contact us at (02) 8206 9480.

Over the 15 years, with out professional expertise and ethical integrity, we have helped thousands of clients to achieve their dreams of purchasing property, refinancing and saving interest.

For more information please visit our website (link in bio) or contact us at (02) 8068 6518.

When it comes to your mortgage, it is always better to consult a mentor to avoid the rookie mistakes. Our mortgage broker team will be here to help you out on this!

For more information please visit our website jc-finance.com.au or contact us at (02) 8068 6518.

Down, Down, Interest Rates are Down!

Now is the perfect time to grab a Loan with interest rates at an all-time low. With the Reserve Bank of Australia keeping its Cash rate at 0.1%, all of Australia's Major Lenders are now engaged in a Home Loan Rate War!

Westpac is spearheading with the lowest rate at just 1.79% for a 2 year fixed home loan!

This offer is available at all Westpac Subsidiaries as well including St George and Bank of Melbourne, offered to customers with Loan-to-Value ratios of less than 70%.

Our mission is to help you save as much money as possible. Don't hesitate to contact us at (02) 8206 9480. Our services are 100% free!

Merry Christmas!

   

Our mission is to help our clients to save as much money as possible. We can also help you to save money through refinancing the loan! Please contact us at (02) 8206 9480. Our services are 100% free!

It is the end of 2020, it is Christmas season, it is the lowest interest rate season! By refinancing we can save more money and enjoy paying less loan interest. Most people may feel panic with the refinance process but good news that you can simply leave this fuzzy headache process to someone else --  your mortgage broker! Our mortgage broker will help you to handle everything in application process, from the beginning until the end, seamlessly and painlessly! 
 
It is 100% free, give us a call and we will help you out!
         

Over the years has your mortgages become too many to handle, too complex and rates too high?
Our mortgage broker can help you to coordinate them all Process is fast, simple and easy!

Sometimes when some of our clients found us for refinancing, they had several mortgages with several lenders (like 20 mortgages!). They have never thought that they can actually combine all their mortgages into just 2 -3 mortgages and with 1 -2 lenders. By combining the loans, it will be much easier to manage, and clients can get even much better interest rate!

The whole process will be handled by our mortgage broker. It is pain free, simple and easy. Services provided by mortgage broker is free. Please contact us today to discuss about it!

Family is the greatest Christmas gift!

Christmas is not as much about opening our presents as opening our hearts to enjoy friendship & family love.

We can help you to save a lot more money than you can imagine

When it comes to your mortgage, it is always better to consult a mentor to avoid the rookie mistakes. Our mortgage broker team will be the best team to help you out on this!

We use our expertise to help home buyers and investors save time and money.

Please call us for free advices today!
 .

Our mission is to help our clients to save as much money as possible. We can also help you to save money through refinancing the loan! Please contact us at (02) 8206 9480. Our services are 100% free!

Home loan

We have over 15 years of experience in home loans, we maintain good relationships with banks and other non-banking lenders, we know their products and policies very well to help you negotiate the most favourable interest rates and the most suitable products.

· First Home buyer 
· Investment Loan
· Overseas Income 
· Refinance
· Construction Loan

Our services is 100% free. No hidden cost! Please give us a call and save more money today.  

Family -- where life begins and Love never ends

Are you planning to buy a new home for your family? or looking for mortgages that most suit your needs? We could give you free finance consultation on these matters. We are licensed mortgage brokers accredited with all major banks and many second tier lenders. This enables us to customize the client’s specific circumstances individually and select the most suitable and cost-effective products for them.

Our services is totally free, please spend a few minutes to contact us, make the first step for your dream!

Business loan

In Australia, it is difficult for small-Medium- Enterprises to secure funding. We are accredited with major banks and many second tier commercial lenders. With our extensive experience, we will provide the most suitable solutions for your needs.

· Whether you are purchasing franchise, post office, child care
center, petrol station, etc.

· Or you need funds to expand your business, renovate your
shop, increase equipment investment, or stock up in peak
season, you can borrow money

· You can use fixed assets as collateral or company profits as
guarantee.
 
 
Please feel free to contact us for free advices at (02) 8206 9480!

# earnmore

The first blooms of Spring always make my heart sing!
 .

Development loans are relatively complex and take a long time for approval. There are certain requirements in terms of developer qualifications, pre-sales and LVR. If you have any needs in this regard, please contact us :)

· Real estate development in Australia can be divided into residential project development or commercial project development

· Residential project development can be as small as the construction of three or four properties after sub-dividing a land, as large as the construction of multiple apartment buildings. After subdividing the land, you may sell the new blocks of land or offer house and land packages to the customers.

· Commercial projects include the construction of office buildings, business districts, or the development of other types of commercial projects such as hotels, motels, boarding houses, childcare centres, nursing homes, medical centres, hospitals, shopping centres, etc.

· Under normal circumstances, construction loans for more than 4 properties will be regarded as developer loans. 
 .

Citibank now offers $3,000 cashback for customer with minimum refinance and / or purchase home loan amount $350,000!

Sounds attractive? Please contact us for your free financial advices today!

List of lenders offering cashback deals of up to $4,000 for the average homeowner looking to refinance their mortgage - Check it out!

https://www.ratecity.com.au/home-loans/mortgage-news/cashback-home-loans-soar-covid-19-worth-it

Cashback home loans soar since COVID-19 – but are they worth it? There are now 29 lenders offering cashback deals of up to $4,000 for the average homeowner looking to refinance their mortgage – a new record.

Need commercial loan for your business? We’re here to help!

General information on Commercial property loan:

There might be significant differences in terms of fees, interest rates and products. The approval process of commercial property loans is relatively complex. It requires a high level of professional expertise, experience and skills of the broker. 

· Similar to the residential home loans, commercial loans also require assessment on the borrowers’ credit-worthiness and borrowing capacity.

· The commercial securities can be factories, warehouses, offices, shops, farms or child care centers, etc.

· The loan to value ratio is generally around 65%-80%, depending on the types of property, its geographical location, and leasing details, etc.
· The term of loan is 15-30 years, it can be paid off in advance or refinanced.

To find out more information, please get in touch with us today, our service is 100% free!

 
     

Worrying doesn’t stop the bad stuff from happening. It just stops you from enjoying the good stuff.
There is always a way out, so…. Let’s enjoy every little moment 😊
 
If you need financial advices, please call us at (02) 8206 9480
australianhomeloan  

We are accredited with major banks and other non-banking lenders for vehicle/equipment loans and will surely help you choose the most suitable product.

· Purchase or upgrade vehicles/equipment for your business,
reduce funds occupation and obtain tax incentives through
vehicle or equipment loans.

· Depending on the value and service life of the vehicle/equipment, the loan term varies, up to 7 years.

· Vehicle/equipment loans are usually at a fixed rate. You may
choose to repay with or without a balloon.
 
To find out more information, please get in touch with us today!
 

Did you know that we has helped thousands of Australians just like you achieve financial freedom through our lending solutions?

At no cost to you, we provide a tailored service ensuring you get the best rate on the market.

With 15 years professional experiences, it's time to call us at 02 8206 9480 to see how we can support your financial goals.
 

 
australianhomeloan

Compared with the past few years, this year may be the easiest year for first home buyer to reach their goal. Not only property price in general reduced 5%-10% and lenders further cut home loan rates to about 2%, but also lenders’ serviceability floor rates reduced to 5-6% as well.

What is serviceability floor rate? It is the rate used by lender to calculate your borrowing power. When serviceability floor rate reduces, it means your borrowing power increases --- you are able to borrow more than before ---- you will have more property choices to choose now.

Call us on (02) 8206 9480 to take the next step in your dream home adventures!