Breaking down the budget.

budget-breakdown

Budget can be a tough time, even if you are financially savvy. Politicians are experts at putting forward a budget that sounds amazing (spin anyone?) but when you break it down it affects you more than you realise. So how does the 2017 budget affect you? Let’s take a snapshot … Read More

Are you looking to invest in property? Here’s what you need to know before you get finance.

property-invest

If you’ve made the decision to invest in property you’ve probably done your due diligence in making sure it’s the right choice for you. If you’ve considered shares, stock market or gold and decided property investment is for you then let’s look at how to get into the right head … Read More

Is it time to review your interest rates?

intrest rate

When finances seem tight in the household budget it’s normal to let go of the luxuries in our lives. From take-outs, to trips to the cinema, we sometimes look at trying to find a better deal on all our insurances. Mind you this is an excellent idea even if the … Read More

How the budget will affect you as a home owner/property investor.

budget-2017

The top 5 points to take away from the 2017 budget if you’re a home owner or property investor: In what has been an idea floated numerous times (and shot down), it’s the old policy of the “first home saver accounts” introduced by Labor. The federal government has given into … Read More

What the RBA is likely going to do with interest rates in 2017?

interestrate

What the RBA do to the cash rate and, in turn, to your mortgage interest rate (if passed on by your lender) can be enough to set your blood pressure going. So what does the RBA have in store for 2017? As always it will depend on who you ask … Read More

Top 10 tips for preparing to sell a home

HomeForSale

As you know we all love lists here and nothing beats a good check-list prior to selling your own (or investment) home. We’ve scoured the web, asked our clients and these are the Top 10 tips for preparing to sell a home: Repaint the walls neutral colours. As much as you … Read More

Top 10 things you need to do before applying for a home loan

top10

We all love a check-list (note financial geek here) but you’ll find a checklist is a great way to make sure you have all you need before applying for a home loan. So here they are: 1. Get a hold of your credit file/score. It’s a fairly straight forward application … Read More

How to keep your emotions in check when purchasing a home

emotions

Buying a home is an emotional experience, especially if it’s your first and you can’t escape it. What you can do, though, is seek to understand how emotions affect your thought process, the price of your home, what you’re willing to pay and what you’re willing to overlook. Emotions are … Read More

Negative Gearing – A Political Game.

negative

Property has always been seen as an easy mark to raise taxes and duties but the price we pay may be higher than what can be forecast during this election campaign. Negative gearing is going to be an election pressure point. Both sides of the government seem to be aiming … Read More

The Family Home

the-family

We have huge under-utilised assets in the family home; why shouldn’t it be used to accumulate wealth for those still earning a living and contributing to the system? If we take that away where will the money go? Certainly not in to our shaky share market with dismal results – … Read More

Housing demand slowing, but no bubbles bursting

housing

It’s going to burst! Property heading for disaster! We’ve all seen the headlines, they make great click bait and generally creates panic for everyone, home owner and mortgage lender alike. But let’s take a step back and look at some facts, they make the world go round and they paint … Read More

Reserve Bank leaves interest rates alone.

reserve-bank

For 12 months straight the Reserve Bank has left interest rates on hold, steady at 2% since last May 2015. But what does that mean? Though the cash rate has been left at 2% it’s possible that the RB is concerned about a rising Aussie dollar, especially in the face … Read More

Are you on top of your cash flow?

are-you

What is cash flow? Its technical definition is “the total amount of money being transferred into and out of a business, especially as affecting liquidity” this pretty much translates to how many money you have at your disposal, cold hard cash! It’s important to remember that your liquidity is one … Read More

Household Debt

household

Australian households have more debt compared to the size of the country’s economy than any other in the world. As of the third quarter of 2015, it now has the world’s most indebted household sector relative to GDP, according to LF Economics’ analysis of national statistics. The overwhelming majority of … Read More

Why re-financing is good for you!

why-are

Let’s face it the paperwork involved in applying for a mortgage is enough to turn anyone off re-financing, am I right? Right! BUT re-financing doesn’t just apply to your home and it shouldn’t be feared, it should be embraced and here’s why. Businesses are competing for your business at all … Read More

Cash is King, but who can help when it’s not?

cash

When it comes to business start-up finances we all know cash is king, but when it seems like cash is more like the court jester who do you turn to for help? The bank? Well, they can be tough task masters and if they are willing to help the procedure … Read More

Attention!

attention

We currently have a loan product for investment loans that lends up to 95% including LMI capitalisation: The RESIDENTIAL INVESTMENT & Owner Occupied loan: If you have been let down by your current lender on a rule change we may be able to help with this new product. One of … Read More

Business Finance.

post

It’s a good time to be looking at business finance as the end of the year is nigh. What is it? Business finance is a term that encompasses a wide range of activities and disciplines revolving around the management of money and other valuable assets. So in layman terms it … Read More

Why it’s a good time to have a look at your home loan?

illawarrapost

While some people in Australia are lamenting that they wished they owned their own homes many home owners are wishing they would pay less interest on their mortgage. There is nothing more disheartening than seeing how your monthly repayments go into one pot of Principal (teeny tiny amount) and one … Read More

Top 10 tips for taking out a home loan

Top 10 tips for taking out a home loan

Taking out a home loan will be one of the biggest financial decisions you make in your life one which you should always approach with caution and ensure you are well informed.  The following is ten key points you should take into consideration when looking to borrow for your new … Read More

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