Even the Government is suggesting you refinance, but why?

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For Australians with a home loan, we’re dealing with two major factors that you should know about right now. The first factor is that banks have never been more competitive for your business, and the second factor is that those same banks, ironically, are largely failing to pass on the full rate cuts available, so…


Don’t dig yourself a Christmas debt

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I read recently that the average gift spend at Christmas time is over $500. Then I researched the food bill per person (and let’s be honest, the host get stuck with the lion’s share of costs) and it’s $122 for food and $131 for drinks. But for many of us, we spend a whole lot…


Is refinancing worth the hassle?

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One of the most common questions I’m asked by my clients is, “Is refinancing worth the hassle?”. There is no hard and fast rule, it’s completely dependent on your individual situation and short and long term goals and it’s something you need to consider carefully. The last few weeks have seen quite a shift in…


Apps to Help Save Some Coin

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Don’t you hate rejection? What’s worse is when it comes from your bank. Tighter lending conditions have made it harder for borrowers to secure loans; with many not meeting loan criteria. We know the frustration that comes from meeting with your bank, only to be told that you just aren’t financially ready. And, while you…


EOFY Savings for Small Business

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We are staring down the barrel of the new Financial Year and now is the time to review, get things in order and start planning for, dare I say it, 2020! When it comes to saving money and getting ready for End of Financial Year (EOFY) there are a few tried and tested strategies astute…


Rates are moving. What are your options?

In February, the last of the major Australian banks increased its rates putting its owner-occupiers on principal and interest up 0.12% and interest only rates up 0.16%. These ‘out of cycle’ can add up to big $ in additional repayments over the year of a loan. RBA Governor, Philip Lowe, recently admitted that the odds…


Investment property strategies explained

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Property investment can build wealth. But what are the specific strategies you should consider? Whether you’re just getting started on the property ladder, or already have a few properties in your portfolio, the investment decisions you make will be the difference between success and failure. Here I look at three common strategies and how they…


How to buy a new home before selling. Bridging finance explained.

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Often, clients need to sell their existing home to purchase a new one so it helps to understand the finance options available. The sale of a property doesn’t always align with the purchase of a new property so I often recommend a bridging loan to ease financial strain during the transition. A bridging home loan,…


Does Afterpay affect your credit score?

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Short answer – no, as long as you’re using it responsibly. Afterpay is definitely the current craze, with the buy now, pay later approach to purchases. It allows you to immediately buy a good or service and pay it off later in four equal instalments over eight weeks. Afterpay don’t do a credit check before…