Tuesday 26th March 2024

The Pros and Cons of Extending Your Loan Term: Is It Worth It?

The Pros and Cons of Extending Your Loan Term: Is It Worth It?

When faced with financial challenges or the need for extra cash flow, many individuals contemplate extending the term of their loans. However, this decision should not be taken lightly, as it can have long-term implications on one’s financial well-being. Extending…

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Monday 18th March 2024

The Waiting Game: Anticipating the Next Interest Rate Call

The Waiting Game: Anticipating the Next Interest Rate Call

Determining when the next interest rate call will be made is a topic of great interest for individuals and businesses alike. The decision made by the RBA regarding interest rates can have far-reaching implications on various aspects of the economy,…

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Friday 15th March 2024

Introducing our new property division, Wealth Street

Introducing our new property division, Wealth Street

Introducing our new property division: Wealth Street helps you become a smart investor, growing your money while reducing taxes and debts, and securing your future. Strategic partnerships In a market with rising auction…

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Tuesday 12th March 2024

Taking Control of Your Financial Destiny

Taking Control of Your Financial Destiny

In today’s world, having a will and genuine savings can pave the way for a secure future. A will is a legal document that outlines how a person’s assets will be distributed after their death, ensuring that their wishes are…

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Tuesday 5th March 2024

Instant asset write off has been extended, what this means for you

Instant asset write off has been extended, what this means for you

To provide much-needed support for businesses during challenging times, the government has extended the Instant Asset Write-Off scheme. This initiative, allowing businesses to immediately deduct the cost of eligible assets, offers relief and encourages investment. Stimulating Economic Recovery: The extension…

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Tuesday 27th February 2024

How student debt can be your leverage for a home loan

How student debt can be your leverage for a home loan

Getting a home loan while carrying student debt may seem challenging, but with proper planning and consideration, it is possible to qualify for a mortgage. Here are some tips to help you navigate the process: First, focus on improving your…

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Tuesday 20th February 2024

Tips on getting a parental guarantee for your mortgage

Tips on getting a parental guarantee for your mortgage

Getting a parental guarantee for a home loan can be a great solution for those who are struggling to secure a mortgage on their own. It essentially involves a parent or close relative acting as a guarantor, promising to repay…

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Tuesday 13th February 2024

What are the other costs associated with taking out a mortgage

What are the other costs associated with taking out a mortgage

Taking out a mortgage involves more than just borrowing a specific amount of money. There are several additional costs that borrowers often overlook but need to consider before venturing into homeownership. Down Payment: A down payment is a substantial upfront…

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Tuesday 6th February 2024

Refinancing your home could open up unexpected equity

Refinancing your home could open up unexpected equity

Refinancing your home can be a wise financial decision that not only helps you save on monthly mortgage payments but also has the potential to increase the equity in your home. Equity refers to the value of your home minus…

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Tuesday 30th January 2024

Crack the code on Business Loan requirements

Crack the code on Business Loan requirements

When applying for a business loan, it’s important to know what lenders look for to increase your chances of approval. Lenders consider several factors to assess your creditworthiness and risk level. They will review your credit history, both personal and…

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Tuesday 23rd January 2024

How Credit Cards Can Influence Loan Eligibility

How Credit Cards Can Influence Loan Eligibility

Credit cards have become a popular financial tool, offering convenience and flexibility. However, it’s important to recognize that having credit cards can have a significant impact on your ability to secure a loan.

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Tuesday 16th January 2024

When Should Business Owners Consider Refinancing Their Loans?

When Should Business Owners Consider Refinancing Their Loans?

Refinancing can be a valuable tool to improve cash flow, reduce interest rates, and gain flexibility in managing debt. Read some of the below circumstances when business owners should seriously consider refinancing their loans. Lower Interest Rates: If interest rates…

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Tuesday 9th January 2024

What is debt consolidation?

What is debt consolidation?

Debt consolidation is a financial strategy that can provide relief and simplify the repayment process for individuals facing multiple debts. It involves merging multiple debts into a singular loan or payment, making it easier to manage and potentially reduce overall…

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Tuesday 2nd January 2024

Common Reasons Why Businesses Fail and How to Prevent It

Common Reasons Why Businesses Fail and How to Prevent It

Starting a business is an exciting endeavour, but sadly, not all ventures succeed. Various factors contribute to the failure of businesses, including poor planning, lack of market research, and insufficient financial management. Here are some common reasons why businesses fail…

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Tuesday 26th December 2023

Choosing Between Fixed and Variable Interest Rate Loans

Choosing Between Fixed and Variable Interest Rate Loans

When it comes to securing financing, deciding between a fixed interest rate loan and a variable interest rate loan is a crucial consideration. Each option has its own benefits and factors to consider. A fixed interest rate loan offers stability…

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Tuesday 19th December 2023

Financial Planning for a Dream Holiday

Financial Planning for a Dream Holiday

Planning a holiday is an exciting prospect, but it’s essential to ensure that your finances are in order so you can avoid any unnecessary stress or financial strain. By taking the time to…

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Monday 11th December 2023

Looking to gear back up for the New year? Now’s the time for a business health check.

Looking to gear back up for the New year? Now’s the time for a business health check.

As the new year kicks off, it’s a great time to do a thorough business health check. Taking a close look at different parts of your business helps you see what’s going well, what needs work, and what you can…

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Tuesday 28th November 2023

How to get ahead of outstanding debt with the ATO

How to get ahead of outstanding debt with the ATO

You may find it challenging if you are a small business owner struggling with outstanding debt with the Australian Taxation Office (ATO). However, there are some steps you can take to get ahead and take control of your debt effectively.

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Tuesday 21st November 2023

5 tips to help lessen cash flow struggles during the end of the year

5 tips to help lessen cash flow struggles during the end of the year

As the year comes to a close, many individuals and small business owners face various challenges related to cash flow. It’s important to stay on top of your cash flow so you can set yourself up for success in the…

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Tuesday 14th November 2023

Invoice Finance vs Asset Finance? Choose the right option for your business

Invoice Finance vs Asset Finance? Choose the right option for your business

As a business owner, you understand the importance of having access to capital to fuel growth and maintain healthy cash flow in the business. Often, navigating through these various financing options can be overwhelming. What is Invoice Finance? Invoice…

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Tuesday 31st October 2023

Purchasing a Property Closer to the Christmas Period: Pros and Considerations

Purchasing a Property Closer to the Christmas Period: Pros and Considerations

The holiday season is often associated with family gatherings, celebrations, and a sense of warmth and joy. However, it may not be the typical time most people think about buying a property. While the real estate market tends to slow…

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Tuesday 24th October 2023

What you need to know about getting a home loan pre-approval

What you need to know about getting a home loan pre-approval

What you need to know about getting a home loan pre-approval Getting a home loan pre-approval is an essential step in the home buying process. It helps you determine your budget and shows sellers that you are a serious buyer.

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Tuesday 17th October 2023

7 steps for a first home buyer to get into the property market.

7 steps for a first home buyer to get into the property market.

With Australia’s property market hotter than ever, getting into the property market as a first home buyer can be extremely daunting, but here are 7 steps you can take to make it more achievable: Explore government assistance: Many governments offer…

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Tuesday 10th October 2023

Are there any benefits to making additional repayments on your home loan?

Are there any benefits to making additional repayments on your home loan?

As life gets more and more expensive, it can be hard enough making ends meet let alone considering making additional repayments on your home loan. Let’s face it – it feels like could the money be put to better use…

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Tuesday 3rd October 2023

Are you a mortgage prisoner?

Are you a mortgage prisoner?

What is a mortgage prisoner? A mortgage prisoner is someone who finds themselves trapped in their current mortgage deal and is unable to remortgage or switch lenders due to various reasons, such as changes in financial circumstances or stricter lending…

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Tuesday 26th September 2023

Making home equity work for you

Making home equity work for you

When you enter the property market or transition from your first home to another property, it’s important to pay attention to the value of your house, townhouse, or apartment. The equity in your home is the difference between the current…

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Tuesday 19th September 2023

Working out how much to borrow when buying property

Working out how much to borrow when buying property

The Reserve Bank of Australia (RBA) increasing official interest rates 12 times since May last year – taking the cash rate from a record low 0.1 per cent to 4.1 per cent – has not only had an impact on…

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Tuesday 12th September 2023

Useful tips for buying an investment property at auction

Useful tips for buying an investment property at auction

Investing in property can be an exciting and profitable venture. One way to acquire investment property is at auction. Auctions offer buyers the opportunity to purchase a property quickly and at potentially lower prices than the traditional market. However, buying…

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Tuesday 5th September 2023

How bridging loans can help you secure your dream home

How bridging loans can help you secure your dream home

Finding the perfect home to meet all of your needs can be a challenge, and when you finally find the home of your dreams, you don’t want to miss out. However, the process of buying a home can be lengthy…

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Tuesday 29th August 2023

What is an SMSF loan and how it works?

What is an SMSF loan and how it works?

More than one million Australians have their retirement savings invested in self-managed superannuation funds (SMSF), with these trusts making up almost a third of the nation’s $3.5 trillion superannuation sector. SMSFs have become more popular as they can provide members…

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Tuesday 22nd August 2023

How commercial finance can help you grow your business?

How commercial finance can help you grow your business?

Whether you are a startup or an established small business looking to expand, a finance broker will be able to help you navigate all the important factors when looking at taking out a small business loan. There are many reasons…

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Tuesday 15th August 2023

What you need to know about having an offset account

What you need to know about having an offset account

Among the strategies to pay off your home loan faster and save money long term, a mortgage offset account is one of the more attractive options. An offset account is another bank account which, rather than earn interest on any…

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Tuesday 8th August 2023

What is mortgage stress and how can you manage it?

What is mortgage stress and how can you manage it?

With the double whammy of rising cost of living pressures and the Reserve Bank significantly lifting official interest rates to combat inflation, many thousands of homeowners are struggling to make their monthly or fortnightly mortgage repayments. A broker can help…

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Tuesday 1st August 2023

Serviceability buffer and what does it mean?

Serviceability buffer and what does it mean?

In these times of greater cost of living pressures coupled with higher interest rates, those looking to obtain housing finance or refinance their existing loan can face a stricter test from lenders to secure that mortgage. Lenders are required to…

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Tuesday 25th July 2023

New Era for the Reserve Bank

New Era for the Reserve Bank

Changes are afoot at the Reserve Bank of Australia (RBA) with the federal government appointing Michele Bullock as the RBA’s first  female Governor. The current RBA Deputy Governor has been tasked with implementing a raft of changes to the central…

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Tuesday 11th July 2023

Saving tips: Creating an effective budget for FY24

Saving tips: Creating an effective budget for FY24

With the new financial year looking to be another challenging period of cost-of-living pressures and higher interest rates, a finance broker can show you how to manage your budget more effectively. You will be amazed how much can be saved…

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Tuesday 4th July 2023

Reasons to review your existing home loan

Reasons to review your existing home loan

It never pays to be complacent when it comes to your finances and setting and forgetting your home loan can be costing you money. ‘Should I review my mortgage?’ is a question brokers are often asked, and the short answer…

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Tuesday 27th June 2023

Funding for your next renovation

Funding for your next renovation

Australians have long been a nation of enthusiastic home renovators, with the COVID-19 pandemic resulting in a boom in home improvements as people unable to travel due to lockdowns spent much more time (and money) in their own backyards. That…

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Tuesday 20th June 2023

What you need to know about specialist lending

What you need to know about specialist lending

Are you one of those who may have failed to meet the strict home loan requirements of the major banks? Don’t worry, you may still find the mortgage solution through a specialist non-bank lender. There are thousands of Australians who…

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Tuesday 6th June 2023

No cashback? A broker can find you a deal

No cashback? A broker can find you a deal

While many of the big banks have announced they will discontinue cashback deals, the mortgage market remains competitive, and a broker remains the avenue for a home loan customer to find a top deal. Cashback deals are where the lender…

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Tuesday 30th May 2023

Brokers ready to help borrowers facing a Mortgage Cliff

Brokers ready to help borrowers facing a Mortgage Cliff

According to the Reserve Bank of Australia (RBA), approximately 880,000 borrowers with cheap fixed-rate mortgages are facing a ‘mortgage cliff’ when their fixed-rate terms end this year. Having…

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Tuesday 23rd May 2023

What you need to know about First Home Buyer Scheme Changes

What you need to know about First Home Buyer Scheme Changes

In an attempt to address housing affordability for first time buyers, the federal government has expanded the eligibility for the First Home Guarantee, the Regional First Home Buyer Guarantee, and the Family Home Guarantee schemes. While previously the First Home…

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Tuesday 16th May 2023

Ways that your broker can help you secure extra cash

Ways that your broker can help you secure extra cash

With rising interest rates and high inflation, you may need that bit of extra cash to cover some of the spendings you’ve got on your checklist. Your mortgage broker can help you secure small, fast loans, including personal loans, vehicle…

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Tuesday 9th May 2023

Why a broker beats a bank for personal service

Why a broker beats a bank for personal service

With many bank branches closing around the country, consumers are relying more and more on brokers for advice, particularly when it comes to obtaining a home, business or personal loan. In some parts of Australia, people are travelling more than…

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Tuesday 2nd May 2023

Starting your own business? Here are some tips

Starting your own business? Here are some tips

Deciding to stop working for someone else and starting your own business can be a challenge, but a highly rewarding one. In many instances you will also need some financial support to establish the business by taking out a small…

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Tuesday 25th April 2023

Financing your next holiday

Financing your next holiday

With the world open again after the disruptions of the COVID-19 pandemic, more and more Australians are getting the travel bug and planning holidays overseas or in our own beautiful backyard. Some people may have been able to put away…

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Tuesday 18th April 2023

Funding your winter essentials

Funding your winter essentials

With the days getting shorter and the nights cooler, these are sure signs that winter is coming. How prepared is your home for the colder weather? If there is a great deal of maintenance to be done, a finance broker…

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Tuesday 11th April 2023

Have a black spot against your credit report? Not to worry

Have a black spot against your credit report? Not to worry

In these times of cost-of-living challenges and higher interest rates for borrowers, many Australians are struggling to make ends meet. People, particularly if they are living beyond their means, can be overwhelmed by their debts, and if they are repaying…

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Tuesday 4th April 2023

Why Should You Choose Mortgage Brokers?

Why Should You Choose Mortgage Brokers?

Brokers remain in big demand! The latest Industry Intelligence Service (IIS) report released by the Mortgage and Finance Association of Australia (MFAA) has found the number of brokers has increased 5.2 per cent to 19,236, exceeding 19,000 for the first…

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Tuesday 28th March 2023

Saving Tips: ways to slash your spending and save a home deposit

Saving Tips: ways to slash your spending and save a home deposit

Are you thinking about buying a new home in the near future? If so, now is the time to start saving! With house prices always on the rise, it’s important to have enough saved up in order to make your…

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Tuesday 21st March 2023

Fixed vs variable? Find the ideal home loan for you.

Fixed vs variable? Find the ideal home loan for you.

Are you in the market for a home loan? If so, it is important to understand the difference between fixed and variable home loans. Knowing which one is right for your financial situation can be tricky, but with some research…

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Tuesday 14th March 2023

Here’s what to do when your home loan’s fixed term is expiring

Here’s what to do when your home loan’s fixed term is expiring

With fixed rate home loans, you have the security of knowing that your interest rate won’t change over a fixed period of time. However, when this fixed term comes to an end it can be difficult to know what to…

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Tuesday 7th March 2023

Tips on finding the home loan option that suits your needs.

Tips on finding the home loan option that suits your needs.

Are you looking for a home loan but feeling overwhelmed by the sheer number of options available? Don’t worry, it’s not uncommon to feel this way. With so many home loans and mortgage brokers on offer, it can be difficult…

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Tuesday 28th February 2023

Should you consolidate your debt? What you need to know.

Should you consolidate your debt? What you need to know.

Debt consolidation allows you to combine multiple debt payments into one single payment. It can be an effective way to simplify your finances, reduce debt faster and save money on interest charges. Consolidating debt can also help improve your credit…

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Tuesday 21st February 2023

What you need to know as First Home Buyers

What you need to know as First Home Buyers

For first-time home buyers, the process of purchasing a property can be overwhelming. From understanding your budget and considering location to finding the right mortgage broker, there’s a lot to consider. In this article, we will explore some key tips…

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Tuesday 14th February 2023

What are non-bank lenders?

What are non-bank lenders?

When it comes to getting a home loan, most people go straight to their bank. It’s understandable – banks are usually the most convenient option and can help most Aussies with their home loan needs. But if you want more…

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Tuesday 7th February 2023

Ways to reduce your loan repayments

Ways to reduce your loan repayments

With interest rates on the rise, it is becoming increasingly difficult for people to keep up with their loan repayments. Fortunately, there are some strategies available that may help reduce the amount of money you have to spend on home…

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Tuesday 31st January 2023

Comparing your loan options

Comparing your loan options

Finding the right loan to suit your needs can be a daunting task. With so many loan options and an increasingly complex market, it’s important to compare loan features carefully before making a decision. Whether you need a loan for…

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Tuesday 24th January 2023

Is now the right time to refinance?

Is now the right time to refinance?

When considering whether now is the time to refinance your mortgage, there are several factors to consider. At its core, refinancing means taking out a new loan to replace an existing one; this can be done for many reasons but…

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Tuesday 17th January 2023

Kick off the new year with renovation projects

Kick off the new year with renovation projects

When it comes to the value of your home, investing in renovation projects can be a great way to revitalize its appeal and create a comfortable space to live in. Like most people, you’ve put a lot of hard…

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Tuesday 10th January 2023

3 reasons why you should pay off your home loan faster

3 reasons why you should pay off your home loan faster

There are a few compelling reasons why you should pay off your home loan faster. Here are three of the most important ones: 1) You’ll save money on interest payments. 2) You’ll be mortgage-free sooner. 3) You’ll increase your equity…

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Tuesday 3rd January 2023

The Home Buyer’s Guide to Mortgage Jargon

The Home Buyer’s Guide to Mortgage Jargon

So, you’re in the market for a mortgage? Whether you’re a first-time home buyer or experienced investor, it’s important to know the mortgage broker jargon. This will help you understand what your mortgage broker is saying and make the best…

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Tuesday 27th December 2022

Achieve your dreams with a personal loan

Achieve your dreams with a personal loan

Do you have a dream that you would like to achieve but don’t think you can because of the cost? A personal loan may be just what you need to make your dream come true. With a personal loan, you…

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Monday 19th December 2022

How commercial finance can help you grow your business

How commercial finance can help you grow your business

Commercial finance can be a great way to help your business grow. By speaking to a mortgage broker, you can gain access to the capital you need to expand your operations and take your company to the next level. Commercial…

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Tuesday 13th December 2022

How much can an offset account save you?

How much can an offset account save you?

Including offset accounts in your home loan strategy could end up saving you thousands of dollars. Here’s a look at how they work and whether you should consider going this route. What are offset accounts? Offset accounts aim to…

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Tuesday 6th December 2022

5 tips to help you save money for a summer holiday

5 tips to help you save money for a summer holiday

Saving for a summer holiday? Boost your funds by tracking your spending, cutting one unnecessary expense and staying home for dinner. If you’re still saving up funds for your next getaway, here are tips to help you along the way. Check your bills…

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Monday 28th November 2022

Do you need to be rich to invest in property?

Do you need to be rich to invest in property?

It’s a common misconception that you need to be rich to invest in property. While it’s true that buying an investment property can be a great way to grow your wealth, you don’t need to have a lot of cash…

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Tuesday 22nd November 2022

Are you willing to work 3 jobs to buy a home?

Are you willing to work 3 jobs to buy a home?

It’s no secret that the property market in Australia is expensive. If you’re a young person trying to break into the market, it can feel like you’re swimming against the tide. But all is not lost! There are ways to…

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Thursday 24th March 2016

What you need to do before investing in property

What you need to do before investing in property

There are a plethora of reasons to invest in property, including the tax benefits and retirement planning. But let's be honest, the main motivation is to be able to line your pockets with cash, purchase a sports car.

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Thursday 24th March 2016

Your Guide To Inspections Before Buying A Home

Your Guide To Inspections Before Buying A Home

There are so many costs and processes involved with buying a home - have you considered which inspections you might need? Buying a house is a complicated process, and once you find the right one - as well as a good variable or fixed home loan

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Thursday 24th March 2016

Getting Real About Refinancing

Getting Real About Refinancing

Just because you find the right loan now doesn’t mean it’s going to still work for you in 5 year’s time. That’s where refinancing your mortgage comes in.

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