TnT Finance Solutions

Solutions Not Excuses

  • Ty Middleton

  • Ty Middleton

    I am a Professional Finance Broker working for you to find a soultion to you finance needs. I hold acreditation with over 20 lenders giving access to huge range of products that may suit your requirements.

    My qualifications include
    Diploma in Financial Services(Mortgage Broking)
    Diploma of Management.
    Certificate IV in Frontline Management
    Advanced Diploma in Aircraft Maintenance Engineering.

    Sieze the day and seek Solutions Not Excuses.

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First major bank makes a move on rates

Posted by Ty Middleton on 05/12/2012

National Australia Bank has become the first major to move on rates, almost 24 hours after the Reserve Bank announced it would trim 25 basis points from the cash rate.According to an announcement from the company, NAB will trim just 20 basis points from its standard variable rate, taking it to 6.38 per centInterest rate percent

Posted in Bank News Watch, First Home Buyer Watch, Home Loans, Investor Watch | Tagged: , , , , | Leave a Comment »

RBA lowers rates

Posted by Ty Middleton on 04/12/2012

The Reserve Bank has cut the cash rate to its lowest level since the global  financial crisis, following weak economic data that showed pessimism  in the jobs market, a slowdown in mining activity and lower-than-expected retail  sales.

The RBA cut the cash rate by 25 basis points, or 0.25 percentage points, to 3  per cent, which is the lowest the rate has been since the central bank started  setting rates in 1990
Time to revist your home loan  call me to make appt

Posted in Bank News Watch | Leave a Comment »

Property values climbing steadily

Posted by Ty Middleton on 03/12/2012

JourneyThe current data is a telling sign that although there have been ongoing weaknesses in housing markets, there are signs of improving market conditions. With current low-interest rates coupled with recent value declines and subsequent improving housing affordability, there are signs of life returning to the market.

Following the onset of the GFC, capital city home values fell by a total of 6.1 per cent

Although we don’t expect the recovery in the housing market to be rapid, it is certainly looking as if 2013 will continue to see improving market conditions. It will be interesting to see what transpires over the next 12 months and whether or not the recovery mimics that of 2009 where the premium housing market takes over as the best performer.

Posted in Real Estate News Watch | Tagged: , , , , | Leave a Comment »

Rate cut likely say economists

Posted by Ty Middleton on 03/12/2012

INterest rate holdMany economist are tipping a rate cute by the RBA tomorrow. It was a line ball decision at the last meeting that saw the rates stay on hold. CPI forecast remain unchanged and with in predicted range with a slight upside , but lower than expected growth rates, wages growth slower and the labour markets weaker in Q3.Mining still is showing strength but the remainders are showing lower, retail in particular.

So lets hope that the banks are going to follow if the rates are cut, they will to. Predictions are that the Majors will lose market share in 2013……second tier lenders are putting them to task. Go people power I say.

Dont forget to service your home loan, give me a call for a home loan health check.

Posted in Bank News Watch, First Home Buyer Watch, Home Loans, Investor Watch | Tagged: , , , , , , , | Leave a Comment »

Exit Fee Ban and the side effect

Posted by Ty Middleton on 30/06/2011

NEW home loan customers are being hit by massive increases in upfront mortgage fees because of the Federal Government’s ban on exit fees.

Three lenders have already lifted their “front end” fees by up to several hundred dollars with a “flood” of higher charges expected from other lenders when the ban kicks in tomorrow.

Interest rate watchdog Mozo.com.au yesterday revealed Aussie, ME Bank and Greater Building Society had all ramped up their application and start-up fees ahead of the Government’s ban.

Treasurer Wayne Swan was warned by the finance industry that the ban would worsen competition in the mortgage market by forcing lenders other than the four major banks to increase their application fees.

“This seems to confirm fears that smaller lenders will be most hurt by the exit fee ban and will need to re-price their loans accordingly,” Mozo managing director Rohan Gamble said yesterday.

 

Posted in Bank News Watch, First Home Buyer Watch, Home Loans, Investor Watch | Leave a Comment »

Elders Home Loans works for you

Posted by Ty Middleton on 08/03/2011

Choosing the right finance broker is just as important as finding the right property.

Consulting with finance broker Ty Middleton could save you thousands of dollars over the life of your home loan. He is acredited with over 20 lenders, giving access to huge range of products that may suit your requirements. If you service your car you should service your home loan, after all which one is the bigger asset.

Ty Middleton takes prides on delivering to you unparalleled competitive service that can take the worry out of securing a home loan.

Additional services offered include arranging
Loan / Life Insurance,
Building / Contents Insurance for you and your property and
Motor Vehicle finance.

Call Ty Today for your no obligation consultation.

Posted in Bank News Watch | Leave a Comment »

Buying A Car call me first

Posted by Ty Middleton on 08/03/2011

Through Liberty Financial I can now provide finance to non business customers buying cars up to 9 years old from Licensed Motor Car Traders/Dealers for personal everyday use. I have been authorised through their accreditation training to facilitate finance application for you.

Each application is assessed on its individual merits and offer solutions that are tailored to your situation. While some lenders try to fit everyone into a box, we pride ourselves in treating everyone as the unique person they are. I have the flexibility in beating your local dealers interest rate, by sacrificing my commission to help you get your business and a better deal.

Message me to discuss before you contract to a rate that might not be the best one

Posted in Bank News Watch, First Home Buyer Watch, Home Loans, Investor Watch, Real Estate News Watch, Uncategorized | Tagged: , , , | Leave a Comment »

RBA leaves rates alone

Posted by Ty Middleton on 01/03/2011

The Reserve Bank’s board left the cash rate unchanged at 4.75% at its meeting today.

In announcing the rate hold, the RBA said its current “mildly restrictive” monetary policy stance remains “appropriate”.

The RBA said inflation remains consistent with its medium-term objectives, having declined significantly from its peak in 2008. It expects inflation over the year ahead will remain within the 2-3 per cent target.

It said the current global economist outlook was “accommodative”, with continued expansion led by Asia. Australia’s flood disasters are not expected to result in long-term reductions in output, it said.

Posted in Bank News Watch, First Home Buyer Watch, Home Loans, Investor Watch, Real Estate News Watch | Tagged: , , , , , | Leave a Comment »

BIG 4 Gimmicks

Posted by Ty Middleton on 15/02/2011

Recent moves byNAB and Westpac to increase home loan competition, “gimmicks”. According to Sayer, home loan discounting by major banks will add up to costs being passed on to consumers somewhere else.

“Banks have to maintain their profits. Unless they increase that bottom line year-in, year out, market share will drop and the CEOs won’t be paid out their bonuses,” he told Australian BrokerNews.

According to Sayer, the public may have seen the last of out-of-cycle rate moves for some time, but will be hit with charges elsewhere.

If your with the BIG 4 ask yourself Why…there are better deals out there.

Posted in Bank News Watch, Home Loans, Real Estate News Watch | Tagged: , , , , , , | Leave a Comment »

RBA Says NO Rate Rises

Posted by Ty Middleton on 15/02/2011

Reserve Bank governor Glenn Stevens has moved to end the monthly round of speculation about higher interest rates, taking the unusual step of declaring he has no plans to increase them, perhaps not for a year.

”Market pricing at present has nothing much happening until quite late this year, which means they think nothing much is happening for some time,” Mr Stevens said.

If your Interest rate is not competitive give me a call or email to give your home loan a service.

Posted in Bank News Watch, First Home Buyer Watch, Home Loans | Tagged: , , , , , , , | Leave a Comment »