Financial Planner Blog

Tips for Credit Card Use

We love to rely on credit here in Australia. Indeed, as of January this year, there were some 13,152,514 credit cards in Australia

Five Top Tips For First Home Buyers

Are you a first home buyer looking to get your foot in the Australian property door right now?

Should I Pay Off My Mortgage or Invest?

In Australia we’re conditioned to pay off our mortgage as soon as possible, aren’t we? Our culture drills into us from a young age - buy...

DEBT RECYCLING

Debt recycling is the process of replacing mortgage debt (non-tax deductible), with investment debt (tax deductible). This strategy may...

WHAT REALLY DRIVES INTEREST RATES?

The Reserve Bank of Australia (RBA) and the major trading banks may play the most visible role in setting interest rates, but in many...

FIXED? VARIABLE? OR BOTH?

With so much uncertainty surrounding who now has more control over setting mortgage interest rates - the Reserve Bank or the banks - it...

DO YOU KNOW YOUR CREDIT RATING?

If you have borrowed money, whether as a loan or even signed a mobile phone contract, you have earned yourself a credit history. Each...

EVERYTHING YOU WANTED TO KNOW ABOUT BUYING A HOME

Ready to make the leap from renting to buying a home? Well, before you begin the search for your perfect home there are lots of questions...

‘OFF-THE-PLAN’ PURCHASES

I have recently assisted a few clients with ‘off-the-plan’ purchases, and they have each had their own unique obstacles when it came to...

THE TWO MOST IMPORTANT QUESTIONS TO ASK YOURSELF WHEN BUYING A HOME…

With interest rates as low as they are, it may be the right time to look at buying your first home; or if you have a younger family, it...

HOME LOAN LENDERS MORTGAGE INSURANCE (LMI)

Clients often ask us about Lenders Mortgage Insurance (LMI) and what it is. The easiest way to explain LMI is that it’s a premium charged...