30 blog posts Filter

FHBs take the lead

January 29, 2019

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You couldn’t miss the recent months’ press coverage on  the cooling Australian housing market. According to leading property experts, first home buyers are the cheeriest of them all*. We are seeing the highest level of first home buyers (FHBs) since 2010**. It seems some FHBs are now feeling more confident to spring into property ownership.But […]

Can we manage a mortgage and a baby?

January 18, 2019

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Many a new parent has been caught out realising our once organised calm life is a thing of the past when we bring our bundle of joy home. It’s amazing how tiny babies can turn our household upside down. We quickly learn that we need to be more flexible about when we eat, sleep, go to the shops and even […]

Can you afford your lifestyle career?

January 11, 2019

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The changing nature of technology, consumer behaviour and corporate policies has influenced an increase in  part-time and work-for-yourself opportunities. While the bright lights of flexibility, choice and creating your own success is very appealing, it is not without its risks – personally, professionally and financially. According to a report by the Reserve Bank of Australia (RBA), one-third of total employment in Australia is […]

SPEND BIG but reduce your costs

December 13, 2018

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Your choice on how to pay for these items can impact your future financial state. All of us will go through some momentous events throughout our life time, many of which will cost a small (or large!) fortune. Isn’t it ironic that many of life’s most exciting occasions can be the most stressful and expensive? Working out the best way […]

Been on the market for a while? Tips to get it moving.

November 28, 2018

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In this current market, properties are moving slower than they were a few years ago.  While some pockets of WA are moving quickly, we are generally finding that some properties are taking longer to sell than others. So what are your options if your house is taking longer to sell than you expected? We asked […]

DON’T TURN AFTERPAY INTO AFTER-PAYN!

November 16, 2018

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ANY KEEN SHOPPER HAS PROBABLY COME ACROSS THE MODERN-DAY LAY-BUY SERVICE (BUY NOW 4 PAY LATER) CALLED AFTERPAY. BUT BUYERS BEWARE – THE PERCEIVED ‘SMALLER’ COST OF INSTALMENTS OVER SEVERAL WEEKS MAY GIVE YOU A FALSE SENSE OF FINANCIAL COMFORT WITH YOUR NEW SHOPPING DELIGHT! Afterpay and ZipPay are the two most known in Australia but there are similar […]

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 […]