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

Choose PCL Money for your Vehicle/ Equipment Finance Needs

PCLMoney

Car loans as low as 5.65% We’ve done the research you’ll save the money. As a Broker we specialise if matching your needs to the best deal available.  We get paid when your loan gets approved. We work with you to navigate through the application process and obtain a loan.  … Read More

Explore your Insurance Options

Budget Direct

We have been approved to provide you with a referral to explore your insurance options. Click here  and see how much you could save on insurance. When you get to the reference section (for seeking a quote or quotes [for multiple properties]), select NSW then choose Greg or Cynthia  from the … Read More

Fixed Versus Variable

Fixed Versus Variable

The RBA’s decision to leave rates on hold after Melbourne Cup Day, may have signaled the end of the rate reduction cycle. Is now the time to look at fixing my home loan? In the minutes from the RBA’s November meeting while determining to leave rates on hold, it did … Read More

Dare to Compare

First_Home_Loan

When was the last time you reviewed your current home loans rate and compared it against what is currently available on the market? Despite Interest Rates currently being at historically low levels, according to the Australian Bureau of Statistics only a very small portion of borrowers are actively renegotiating their … Read More

Self Managed Superannuation Funds (SMSF)

bank-better-home-loan Feture

Self Managed Super Funds (SMSF) are the fastest growing segment in the Superannuation industry.  With SMSFs now able to borrow to purchase residential investment property, new opportunities present themselves to investors. Illawarra Home Loans Pty Limited has the ideal funding options for SMSFs wanting to purchase a residential investment property … Read More

Are You Asking “How Much Can I Borrow”?

How much can you afford to borrow?

So, you’re looking to either buy your first home or upgrade your existing home and the first question you ask your bank or lender is “How much can I borrow“. This is one of the most frequent questions people ask when we first speak to them about a home loan … Read More

Are These Basic Inclusions Missing From Your House and Land Package?

house and land package inclusions

Building a home is a great way to get a home that has all of your families needs covered whilst also looking to the future with energy efficient systems and a modern design. House and land packages can also look like a very cost effective deal but you really have … Read More

DIY Kitchen Bench Renovation For Only $250

kitchen bench faux granite

Do you have a kitchen in need of a facelift but don’t have the budget to do a complete refit? Perhaps you are looking to renovate your investment property and don’t want to overcapitalise? If you have a kitchen featuring benches with bright or busy colours it can really date … Read More

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