Review your home loan to a better rate

SAM AYLIFFE - ASTUTE MANLY

Over the last few months, time and again, the Reserve Bank of Australia has increased its official cash rate target (OCR) and most banks have followed with similar increases to their variable home loan rates.

We understand with these ongoing increases, families are doing it tough and are unsure what they can do with their loans to help with these increased costs. Additionally, many Australians have a fixed rate loan where the rate is due to expire in the next 12 months and are keen to get on top of their situation before the rate expires.

For Those On A Fixed Rate

What many people don’t realise is that if you do nothing, your loan will likely default to a Bank Standard Variable Rate (BSVR), often higher than what you could get if you shopped around, or even higher than if you resigned with at the same bank.

For these clients, it’s time to look at reviewing your home loan and preparing yourself well before the fixed rate period ends.

How We Could Help Anyone At This Time

We could refinance for a better interest rate, loan term or loan conditions –we have access to dozens of lenders, hundreds of products, including those from the big banks and smaller lenders. We will spend the time to assist with modelling new vs old repayments to try to get you ready to tackle these expensive rates we find ourselves in.

Choosing The Right Loan For You

Are you after interest-only, line of credit, basic or “no frills”, fixed or variable? We will explain how they work so you can make your decision confidently.

MAKE SURE IT’S WORTH IT

Sometimes it doesn’t make sense to change, and we will let you know if that’s the case. We’re here to help and will ensure you’re making a well-informed choice. We’re not here to push you into a loan you’re not comfortable with in both the short and long term. We are not owned by a bank, nor is our aggregator we are licensed through, so you know that you’ll get the right option for you. We’re a family owned practice with over 23 years’ experience in finance.

WHAT’S RIGHT FOR YOU?

In uncertain times, having a trusted adviser by your side is vital. Our team

SAM AYLIFFE is experienced in helping our clients find a solution that best suits their needs and goals. We’re also able to assist with other types of lending, insurances, and have a Financial Adviser working with our team to help those looking to build wealth.

And there’s no pressure! We’re here to help, have a chat and figure out the most cost-effective and tailored solution for you, your family, or your business.

Contact Astute Manly at manly@ astutefinancial.com.au, send a message to 0414 976 865, or call 02 9984 1911. •

If you take a loan with us, or refinance, you'll go into the draw to win one of our 125CC Manly Scooters.*

FOR MORE INFORMATION

SAM AYLIFFE – Astute Manly – Suite 10, 37-38 East Esplanade, MANLY 20950414 976 865 // 02 9984 1911 // www.astutefinancial.com.au/manlymanly@astutefinancial.com.au or Sam directly: sam.ayliffe@astutefinancial.com.au Astute Financial Management Pty Ltd | ABN 59 093 587 010 | Australian Credit Licence Number 364253. * Minimum mortgage of $250K and must be taken with Astute Manly and settle before December 20, 2023.