That is a really BIG question!
With historically low interest rates a current topic of conversation, many 
clients are asking the question: Do we fix our loan or is it better to have a variable rate?
Well, that all depends on your […]
When our home or car insurance is due for renewal each year, most of us 
invest the time to shop around and investigate the competition to make sure we are getting a good deal.
The average Australian with a mortgage spends 18% of their gross income […]
Purchasing your first home or investment property does not necessarily 
need to be an overwhelming experience. While there are many factors that need to be considered, having a good understanding of the process before you commence will place you in good stead.
Before you commence the […]
Generally the home provides the opportunity to secure the most cost 
effective debt available in the form of a home loan. As the home is used as recourse against the loan, it provides the lender with additional security allowing them to lend money to you […]
If you are already repaying your own home or another investment property, you may be able to use the equity you have built up to purchase an additional property. 
Let’s use an example to explain this process.
Your lender is going to require that the […]
If you have bad credit or are only just starting to build your credit it can be 
hard to get a loan, as lenders see you as a high risk customer. Until you raise your credit score, banks may not want to deal with you.
There […]
Owning an investment property can be a great way to get you on the path 
to financial freedom. Here are some handy hints to help you on your way.
1. Start by paying off any high interest consumer debts
(credit cards, car loans etc).
There would be no […]
We have all heard of credit reporting, but have you heard of credit scoring? 
Your credit file is one of your most important financial assets. Safeguarding this file is an important part of the finance application process.
You will have a credit score calculated from your credit […]
Lots of us like to drive a new car but did you know it costs around $121 per week 
to finance the average small car?
Many Australians have a love affair with new cars with a record 1.14 million new vehicles sold in 2013. […]
In today’s market there appears to be an abundance of credit available with 
banks continuously making offers to customers for new credit cards with pre-approved limits or allowing you to simply ‘tick a box’ to increase your existing credit card’s limit. As a result many […]