24 blog posts Filter

Who owns your extra mortgage payments?

October 11, 2018

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We are constantly told to “Make extra payments on your loan. Pay your loan off”. But if you have made extra payments, when times get tough and you need to redraw, could you? According to a recent Household Financial Comfort Report* more Australians are feeling strapped for cash and are being forced to dip into their savings to cover the […]

The real world... Life after GRADUATION

September 26, 2018

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Congratulations! There you are in your cap and gown, degree in hand. This is what you’ve been working towards these past few years. So… what’s next? Completing tertiary study can be both the most exciting AND daunting time of a graduate’s life. Some may head off for post study travel (read our article about ‘debt lag’!) but for most, graduation marks the transition […]

CHANGES TO CREDIT REPORTING… What you NEED to know!

August 23, 2018

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Does it seem like the finance world is dominating the news at the moment? Between the ongoing Royal Commission and the recent federal budget we wouldn’t really blame you if you were starting to ‘switch off’ to finance news. Is there a problem with ‘switching off’? Well possibly -especially if changes in the finance world that […]

Top 5 ways to use your tax refund now

August 17, 2018

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TAX RELIEF IS COMING FOR ABOUT 10 MILLION* AUSTRALIAN TAX PAYERS. PLAN AHEAD NOW FOR THE BEST WAYS TO USE (NOT SPEND!) YOUR TAX REFUND. Tax changes ahead From 1 July 2018, most Australian taxpayers will enjoy a tax cut. There are three major phases, the first of which applies to the next four financial years until 30 […]

Are you suffering from DEBT LAG?

August 3, 2018

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Aussies are a nation of international travellers. In fact, during 2016 a record breaking 10 million residents left Australia to travel overseas on a short term basis*. That’s 41 out of every 100 of us! We often hear people say “no matter where you travel overseas you’ll run into an Australian”. You can see why! […]

So… is the tightening of credit and tough lending criteria a good thing or a bad thing?

July 26, 2018

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It depends on which side of the fence you sit on doesn’t it? Let’s have a look. Let’s look at the ‘bad’ • Your spending habits are now under the spot light – BIG TIME! • Now more than ever you need to make sure you pay all your bills on time • We have to live […]

Beauty at a cost - renovating a heritage listed home

May 17, 2018

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Steeped in cultural and historical significance, it’s understandable that there are restrictions when renovating a heritage listed home. While that’s not to say that you can’t make any changes, a little more legwork and creativity is often required.   We asked Cristina Bertone from The Agency to explain the speciality of buying a heritage property. […]

Mortgage Broker VS Bank... Are you confused?

May 11, 2018

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You may have noticed the Australian finance sector is in the spotlight at present as a Royal Commission is held into the banking, superannuation and financial services industry*. If you’re feeling confused about what it all means you’re not alone – no doubt there will be some improvements in the banking and finance sector. But perhaps it’s timely for a bit […]

How to Boost your Super and reap the long term rewards

May 8, 2018

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You may have recently read our blog on why you should have an annual check-up for your superannuation fund.  We had such a great response that we invited our expert Miral Thakker back to ask him how our clients can boost their superannuation. Whether you are retiring tomorrow or just starting out in the workforce […]

Is up-sizing on your wish list?

May 3, 2018

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With a generation of baby boomers entering retirement there is no end of information on downsizing a home. On the other hand, for a generation of homeowners with entirely different needs what do YOU need to know when it comes to up-sizing your home? Common reasons for upsizing Chances are you’ve been perfectly happy in […]

Why keeping on top of your superannuation fund is as important as having a yearly check up!

April 12, 2018

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Super tends to be one of those items that a lot of us set and forget.  It’s easy to lose track of the long term goal which is to fund your retirement. We asked our resident expert in everything Superannuation Miral Thakker from Ausnet Financial Planning to give us some tips on how to look […]

Are you patting YOUR DEPOSIT?

April 6, 2018

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If you are one of the 3 in 5 Australian households who owns a pet you probably won’t be surprised to know Aussies spent $12.2 billion dollars on pet products in 2016*. That’s a lot of money that could be used elsewhere. So how do we manage the cost of owning our furry friends? The main reasons many love to have pets […]

Are you a successful saver?

March 29, 2018

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Research¹ shows about 57% of Australian adults are savers although only 16% of those manage to save quite easily. When many of us feel burdened by the mere cost of ‘living’ it is often difficult to establish a savings plan. However, creating a savings habit can play an important role in our ultimate financial future. So what are some of the […]

How to obtain a loan with less than 20% deposit?

March 16, 2018

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If you apply for a home loan, particularly if the loan is for more than 80 per cent of a property’s value, you’ll more than likely have to prove to lenders that you have a satisfactory amount of savings. This is to demonstrate your ability to funnel a portion of your income into repayments. We […]

Gen Y is now the leader of the pack

March 9, 2018

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We’ve all seen the headlines – ‘Housing affordability crisis’, ‘Will Gen Y ever own a home?’, ‘Young buyers turn to bank of mum and dad’ etc. Yet despite media reports of an ’affordability crisis’ in the Australian housing market, recent research1 shows that one in every five Australians owns an investment property – an increase of 3% since 2015. Even […]

Are you a reluctant refinancer?

March 1, 2018

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Research shows nearly half of all Australian homeowners have never refinanced1. It’s interesting that when our insurance renewals arrive many of us take the time to shop around and check we’re still on a good deal, yet some of us are happy to sit on the same home loan for decades! With the RBA cash rate still […]

How to buy a house when you have a HECS or HELP debt

February 21, 2018

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Paying off your education is no reason to put off buying property. You can remember it now: sitting in a chair at the back of the lecture theatre, chatting to your friends and ignoring the debt that each day at university was plunging you into. But now you’re older and wiser, and reality has set […]

Should you manage your own investment property?

January 24, 2018

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While managing your own investment property can seem like a simple way to keep more of the rent flowing towards the mortgage, there’s a little more to it than making sure the house is standing and collecting the money. We have asked our expert at The Agency Property Management Marianne Smith to explain more about […]

Forget resolutions! Kick start your 2018 finance evolution now

January 17, 2018

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How many times have you made your new year’s resolutions on 1 January only to see them turn to dust by February? Be truthful… most of us are guilty! So where do we usually go wrong? Most of us lack a clear goal. And without a clear goal it’s trickier to plan how we are going to […]

Income Protection Insurance

January 10, 2018

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Insurance for something you can’t see or touch, such as your income, may seem strange. But how would you pay your mortgage if you were unable to work? We have asked our expert at Ausnet Financial Planning, Miral Thakker to explain more about this often-overlooked subject. When considering insurance, it’s common for people to pass […]