Australian housing finance data for July

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Home loans up 2.9% m/m, a beat expected 1.0%, prior was 1.2% revised from 0.5% Investment lending down 3.9% m/m … the RBA will see this as showing policies to limit investor borrowing working prior was 2.3%, revised from 1.6% Owner-occupied loan value up 0.9% m/m … renewed efforts on … Read More

Bigger Isn’t Always Better When It Comes to Financial Advice

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Here’s why a smaller, independent adviser could be a better fit for your financial needs than the big-name institutions. To start with, there’s the bewildering array of titles, including broker, adviser, planner, manager and even coach. By the time they get to the method of compensation (fee-only, fee-based or commission) … Read More

Breaking down the budget.

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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

Negative Gearing – A Political Game.

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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

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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

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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.

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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?

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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

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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!

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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

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