Major Purchases

Buying “big ticket” items such as a car or a house are significant financial investments that often require building up savings as well as obtaining a loan. Jemma Financial can help you make the best choice for your individual needs.


Buying a house may be one of the most substantial investments you’ll ever make. This may require a down payment that you need to save for. Depending upon the type of loan, your down payment requirement can be as high as 20% plus closing costs.

Whether this is a short or longer-term goal for you, Jemma Financial can help you navigate the process and set up a regular investment program that may allow you to get that much closer to your home-buying dream.

Let’s talk. Click here to get started.


Buying a car is a major purchase that often requires careful planning and thought. Factors to consider include your loan balance, the value of your current vehicle, how many miles you drive, the type of vehicle, maintenance costs and your budget.

Other considerations include:

  • Should you buy or lease?
  • How much of a down payment do you need?
  • What about financing?

It may at times seem overwhelming.

At Jemma Financial, we can help you create a periodic investment plan that will help you save on a regular basis towards this goal. Like most things in life, the more you educate yourself and plan, the more confident you’ll be about your purchase. When you’re in financial control, you may have more options and before you know it, you’ll be in the driver’s seat.

Let’s talk. Click here to get started.