Category: Misc

Breaking down the budget.

Budget can be a tough time, even if you are financially savvy. Politicians are experts at putting forward a budget that sounds amazing (spin anyone?) but when you break it down it affects you more than you realise. So how

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Negative Gearing – A Political Game.

Property has always been seen as an easy mark to raise taxes and duties but the price we pay may be higher than what can be forecast during this election campaign. Negative gearing is going to be an election pressure

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The Family Home

We have huge under-utilised assets in the family home; why shouldn’t it be used to accumulate wealth for those still earning a living and contributing to the system? If we take that away where will the money go? Certainly not

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Housing demand slowing, but no bubbles bursting

It’s going to burst! Property heading for disaster! We’ve all seen the headlines, they make great click bait and generally creates panic for everyone, home owner and mortgage lender alike. But let’s take a step back and look at some

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Reserve Bank leaves interest rates alone.

For 12 months straight the Reserve Bank has left interest rates on hold, steady at 2% since last May 2015. But what does that mean? Though the cash rate has been left at 2% it’s possible that the RB is

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Are you on top of your cash flow?

What is cash flow? Its technical definition is “the total amount of money being transferred into and out of a business, especially as affecting liquidity” this pretty much translates to how many money you have at your disposal, cold hard

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Household Debt

Australian households have more debt compared to the size of the country’s economy than any other in the world. As of the third quarter of 2015, it now has the world’s most indebted household sector relative to GDP, according to

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Why re-financing is good for you!

Let’s face it the paperwork involved in applying for a mortgage is enough to turn anyone off re-financing, am I right? Right! BUT re-financing doesn’t just apply to your home and it shouldn’t be feared, it should be embraced and

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Cash is King, but who can help when it’s not?

When it comes to business start-up finances we all know cash is king, but when it seems like cash is more like the court jester who do you turn to for help? The bank? Well, they can be tough task

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We currently have a loan product for investment loans that lends up to 95% including LMI capitalisation: The RESIDENTIAL INVESTMENT & Owner Occupied loan: If you have been let down by your current lender on a rule change we may

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