We all know that the best work environment for productivity is a tidy one. But we also know that sometimes the papers just pile up and if you are like me you start to feel like you are drowning in it! Here is my before picture: As you can see there are papers everywhere. It […]
Getting your mortgage application together can require quite a bit of financial scrutiny. In order to figure out your serviceability (your ability to pay the loan back), your potential lender will look deeply into your finances. It’s a no brainer to take your credit card debts into consideration when applying for a mortgage. But what […]
With the RBA setting the official cash rate at all-time lows, it’s a good time to work out how this impacts the interest rate on your home loan and whether you are getting a good deal or not. When the interest rate on your home loan fluctuates, it can feel as though you don’t have […]
The array of mortgages available helps a good finance broker to tailor a package to suit your needs. Here are just some of the options. Fixed-rate mortgages With a fixed-rate loan, you know exactly how much you’ll pay per fortnight or month for the fixed period of the loan (usually one to five years). Variable […]
Negotiating the best property price isn’t a matter of swindling a seller. It’s about doing your homework, knowing what you want, knowing the market and making sensible offers. When you are buying property, getting the best price can mean the difference between being able to afford it and having to settle for second best. And, […]
On a high interest rate and swamped with repayments, Jack Delany was referred to a Finance Broker to try to find a solution. Unexpectedly, the solution didn’t just involve dollars and cents, but also a sensible re-education for the young property owner. By all appearances, Jack Delaney was in a decent state, financially. In his […]
End of financial year is a great time to take advantage of business equipment deals, particularly with the threshold for accelerated deductions for small business being raised from $1000 to $20,000. Planning ahead and thinking carefully about your business needs are key to minimising both tax liability and cash flow impact. As business owners rush […]
When Bronwyn set out to build her dream home, luck was not on her side. In fact, it was an all-round disaster zone. At 63 and with a couple of investment properties under her belt already, Bronwyn was ready to demolish her home and rebuild as a dream home for herself, her daughter Lisa and […]
Real estate agents are many things to many people, but their first and foremost role is in sales. This means they’re committed to focusing on a property’s finest features, sometimes using optimistic descriptions that don’t always match up to reality. With this in mind, it’s easy to see how some property advertisements seem to border […]
Building a budget is the act of combining your income and expenses so that you can decide how much money you are going to spend on one item, how much on another, and so on – before you spend the money. Creating a budget doesn’t mean that all of your problems are going to be […]
