Property Myth Busting If you’ve always thought property prices only go up… With so much emphasis on property in the media, it can be difficult to sort fact from fiction. But before investing in any type of asset—including property—it pays to consider the pros and cons, and any commonly held misconceptions. We bust 3 property myths. Myth 1: Prices always go up Believing that property always goes up is understandable—especially given prices have dramatically increased …
How to Get Yourself Independent from Credit Cards Credit cards have almost become a necessity in today’s world for most people. They have made the use of hard cash a little less important in society while simultaneously becoming something on which people seem almost hooked up. Credit cards can be used constructively to have a positive impact on your life. However, there may be times when they cause a negative financial situation in your life. …
Helping you to design your one of a kind picture of tomorrow Our financial advisers can partner with you to help you achieve the results you need. Meet our team “Our aim is to help you reach your financial and lifestyle goals, even those you once just dreamed about.”
The Power of Budgeting A budget can help you work out what you’re spending money on and when Are you aware you need to change your spending habits, but not sure where to start? A budget can help you get back to basics and work out what’s going where and when. Whatever your plans, a budget can help you to: get more organised with your finances cut down spending in areas you have a tendency …
Understanding lender’s mortgage insurance Find out what lender’s mortgage insurance is and how it may affect your home loan. You’re looking for the house of your dreams or maybe you’ve already found it. It’s an exciting time but it can be daunting when it comes to arranging finance and meeting all the upfront and ongoing costs, such as lender’s mortgage insurance. How lender’s mortgage insurance works When it comes to arranging a home loan, if …
How Can You Repay the Debt on Your Credit Card Faster? When people get their first credit card, they assure themselves that they will not use their credit card for unnecessary purchases. However, they have just lied to themselves, as in the coming months; they find themselves in debt. If your credit cards are maxed out and the interest rates are through the roof, you are in a desperate need to get out of debt …
Tips and traps of credit Starting out with a HECS debt is bad enough, but abusing a credit card can also mean trouble. Admittedly it’s tempting to spend with interest rates at current levels, but most credit cards still have double-digit rates.1 Of course a card is useful when you don’t have ready cash, but unless you pay off the balance in full each month the interest costs add up. Credit card statements today …
How can I own my home sooner? It doesn’t have to be the stuff of dreams. There are several strategies that could help you pay off your home loan sooner. And it doesn’t necessarily mean sacrificing the things you love doing today. The first step towards paying off your home sooner is to understand your loan—how much you owe, how much you are paying and what other financial commitments you have. Once you know …
Seven steps to cutting debt It’s time to drop your debt weight and get financially fit. You enjoy a challenge – right? Then step towards financial fitness by cutting your debts this year. Understand and embrace your debt. Firstly, work out where and what type of debt you have and start to plan how you’re going to cut it down. For example, if you roll multiple debts into one, you may save on fees …
3 ways to get a foot on the property ladder Creative ideas for younger Australians to invest in property It won’t come as a huge surprise to learn that Australian homes are among the most expensive in the world. In a recent survey[1] every Australian town and suburb was rated as ‘seriously’ or ‘severely’ unaffordable. And if you’re in a capital city it’s even worse, with the average Sydney home costing nine times average household …
