The perfect property at an affordable price – its negotiation



  So you’ve found your dream home, but it’s in need of a little TLC. While others may see this as a deterrent, this is actually a great opportunity to nab the house of your dreams at a price tag that’s within your READ MORE

Budget 2018 -2019 Overview

The Federal Budget figures are in, but what does it mean for you? After analysing the numbers overnight, we’ve created a short overview that gives you a quick Budget Breakdown.Agriculture $225 million for better GPS technology to allow farmers to access precision agricultural READ MORE

Mortgage Broker Or Bank?



When you’re looking for a home loan, you could go to a mortgage broker or to a bank. While a bank will only offer you its own products, a mortgage broker is an industry expert who will take the guesswork out of finding READ MORE

“Is switching loans a suitable alternative for me?”



Your home loan is usually your largest financial commitment. We understand that changes in interest rates can have a big impact on your monthly repayments and how long it takes you to pay off your loan. Switching loans might cost you thousands in READ MORE

Your interest rate may not be what it seems….



A recent study about financial literacy found 57% of respondents didn’t know that banks determine actual interest rates – not the RBA. It also found 36% didn’t realise if they reduced the length of their loan they reduced the amount of interest they READ MORE

When was your last home loan health check?



You have probably noticed in recent months that financial institutions have started to increase interest rates independently of the Reserve Bank’s decision to keep the cash rate on hold. Open your home loan account TODAY and you may surprise to find out you READ MORE

Get Ready To Knuckle Down!



You have probably noticed in recent months that financial institutions have started to increase interest rates independently of the Reserve Bank’s decision to keep the cash rate on hold. Not only are interest rates increasing but financial institutions are now starting to significantly READ MORE

Utilising your offset account effectively



What is an offset account? An offset account is a savings or transaction account linked to an eligible home or investment loan. It should operate the same as any other savings or transaction account, ie with a bank card for electronic transactions/transfers and READ MORE

What’s that all about? Cash rate VS Bank rate.



Once upon a time when the cash rate moved
(up or down), most lenders would typically move their interest rate in alignment with the cash rate change. Have you noticed that when the cash rate moves up the lenders are quick to pounce on READ MORE

Life after day care… discover your hidden $avings

When you stop and think about it, there are a number of events in our lives when we DO actually have financial wins but because of our busy lifestyles we often don’t register them. A change in financial circumstances could start as early READ MORE

DEBT GOT YOU DOWN?



Then take action now! A recent survey revealed 41% of Australians have credit card debt and of those nearly 4 million cannot afford to repay it! In addition: The average Australian household has a debt of around 185% of their annual disposable income1. READ MORE

Do you want 2017 to be different? THEN START TODAY!

1. Revisit or redo my budget Email us for our budget organiser to help you get started! 2. Save 10% of my earnings Direct debit into a separate higher interest savings account to avoid unnecessary or emotional spending temptations.
Or, if you have a READ MORE

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