Do I have to repeat myself?

Just this morning the TV starts broadcasting about the "Lazy Tax", again. I mean this is an actual community announcement that has been repeated at least once every year nationally.

It discusses the fact that far too many Australians are paying too much for everything related in regular living expenses.

For example:

Internet

Health and general Insurance

Electricity

Gas

and obviously home loans!

Public commentary also claims that corporate Australia has contempt for customer loyalty and will gladly screw you over again and again with no regard to how many years you have been a customer or even if your dad was a 20 year career man with the company( actual client told me this)! To them, you are merely a docile host, of which they intend to suck dry and cast aside when there is nothing left.

Seriously, the average Australian household is wasting thousands of dollars a year, because they can't be bothered to review and shop around. I, myself switched phone and internet and saved 50% on my monthly fees. I reviewed my home insurance and saved 25%, I even switched gas providers and saved another whopping 30%.

I honestly feel empowered after doing this. I changed things for the better, the money I saved now is directed back into saving for something worthwhile, a family holiday. This was something only made available because I wanted more control in my life and something better for my family.

This savings strategy is so easily applied to your home loan. Maybe in the past, your home loan was the one that worked for you then or the only one you thought you could get. How about we look at that as well? It really can't hurt as a mortgage broker this is my sole objective for you.

I made some new changes for a client of mine and saved them over a thousand dollars a month on 2 loans. I even gave the original bank the chance to make a reasonable offer to reduce their rates for the client. There is some guy who writes a book recommending this tactic, suggesting you go to your bank to ask for a better rate or you will switch. I put it to the acid test and walked into the branch with my potential client and told them to put a rate on the table for the benefit of the client. We were told no, then a few days later an offer of .3% reduction. I feel over laughing, what an insult. This how loyalty is rewarded by the bank and the strategy of going to your bank to reduce interest and fees is inherently flawed. Even with my presence as a mortgage broker actually telling them I will take their client off them. So the author's suggested tactic with best intention, was easily dismissed because the bank really couldn't care less. I refinanced both loans for the client, the first one I shaved 1.3% off their rate, the second one, 1% plus I got them a cash rebate of $2000.00 from the new lender. You think the client is happy, you bet your sweet buns they are!

Anyhow, I can find you a saving on your old home loan or customise a new loan to suit your lifestyle. Give me a call 0405 476 765 or an email: info@ahlsfinance.com . You may be pleasantly surprised and empowered!