Mortgage stress, what is it? While the term itself has no concrete definition, it is widely accepted that mortgage stress occurs when 30% or more of your pre-tax income is going towards your monthly mortgage repayments. This is based on affordability guidelines from the ’80s and ’90s, and has proven to be a reliable way of [...]
Are you retirement ready? Retirement is coming whether you like it or not, figuring out how much you may need when you retire requires planning and thought, but having an idea of what sort of lifestyle you would like at that stage of your life can be a good starting point. The Association of Superannuation Funds [...]
What is a Self-Managed Super Fund (SMSF)? A Self-Managed Super Fund, (SMSF), is a do-it-yourself superannuation scheme which allows people to take direct control of their investments, strategies and retirement planning. Superannuation is an investment portfolio set up to save funds for retirement which is usually managed by large Industry Funds and Retails Funds. A [...]
Negative gearing, positive gearing, what does it all mean Negative gearing is a term that’s mentioned quite frequently in the investment pages of financial publications and at most barbecues around Australia. It is the cornerstone of the middle-class Mum and Dad property investors and in certain circles of late it has become a shameful tax [...]
How a Mortgage Broker is remunerated? This is a really good question we are asked all the time, even from friends and family. It’s a very important question and one that needs to answered very early in the conversation. When a mortgage broker submits an application to a lender and the application settles, the lender [...]
Why use a Mortgage Broker?I think Mortgage Brokers are needed more today than ever before, why?I have been working in this field for over 10 years now, and every year that goes by it just gets a little bit harder to obtain finance for Clients.This industry is a liquid industry, credit policy is always changing. And [...]
Do you have a risk strategic? Are appropriately insured? Most Australians are under insured or have no insurance at all. Most Australians don’t even have, or given thought to, an appropriate risk strategy. We believe whatever your personal circumstances, it is important that you have an appropriate risk strategy, and like any strategy, it needs [...]
7 key attributes to look for when choosing your Mortgage Broker Quite simply, a good mortgage broker can make your life easier and save you valuable time and money. Here’s how to find one. When it comes to one of the biggest financial decisions you’ll ever make, it pays to have professional help. But, how do [...]
0.0% Car Finance, is it Too Good to be True (Smoke & Mirrors) 0.0%, 1.0%, 1.5% or even 2.0% car finance is a one of the latest marketing strategies car dealers/manufacturers are currently offering in order to obtain your business. Is it too good to be true? Usually when something is too good to be true, [...]
Buying off the Plan, Can be Riskier than People Think History shows time and time again that: real estate is a good investment, whether it be your home or an investment property; we Australians love property; and we love to talk about it. We are all looking for that next big investment or wanting to up-size [...]
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