Month: February 2019

saving money

Six ways to save money

Are you in the market for a new home? Perhaps you need to pay off some debts? Or, if you’re lucky, save for a holiday? No matter what you need money for, being more conscious of how you will save it makes for a much better outcome. Here, we look at six ways to save […]

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Renovate on a budget

Renovating can be very expensive, but there are a number of ways to keep costs to a minimum. If the cost of renovating is putting you off, consider these options. Make a budget Once you have a general idea of what you want to do, talk to your Smartline Adviser about the maximum amount you […]

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first home buyer

7 Tips For First Home Buyers

Are you planning to buy your first home? This is an exciting time! To help you, we’ve put together some things to think about. Save a deposit If you are thinking of buying your first home, you should already be saving for a deposit. The bigger your deposit, the better your chances of securing a […]

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buying the first home

5 hacks for breaking into the property market

Dreaming of owning your own home? With house prices as they are, saving for your first home deposit can feel daunting. But the good news is, it’s possible. Here are some practical tips for breaking into the property market, and making your dream a reality. 1. Define your goal While you can dream big, and […]

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housing affordability 2018

Housing affordability in 2018

It is the Aussie dream to own your own home. But in the last 15 years, housing affordability has made it tricky for some. The average cost of owning a property is now 7.2 per cent of the average income. Fifteen years ago, it was only 4.2 per cent. While incomes have also increased in […]

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Valentine, home loan

Buying for love? Pause, before you fall head over heels

The shops are full of hearts and roses, and restaurants are booking up. Valentine’s Day is just around the corner and we’ve got our rosy glasses on, because this is the month of love. Between booking restaurants and ordering flowers to woo your dream date, you might also be surfing real estate sites, looking for […]

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bank change 2018

What you need to know about changes to banking in 2018

Things are changing in the banking world thanks to advances in technology, the need for increased security and demand for customer convenience. Last year, the big banks removed ATM fees. The Reserve Bank, the ACCC and the Banking Royal Commission are also keeping an eye on bank fees, rates, and healthy competition between banks and […]

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What are the financial challenges facing Australian women?

Australian women typically live several years longer than men, according to the Australian Institute of Health and Welfare. In spite of this, women face financial disadvantages that men do not, which affects their ability to save. Our country still has a fair way to go until this is no longer an issue, if we take […]

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Making tax payments can be one of the more challenging aspects of managing property investments.

Restructuring, part 2: the costs of restructuring

If you’re thinking about restructuring your home loan, it’s important to weigh up the costs and benefits of doing so. While you may be excited by the thought of that trip to Thailand or that new car you could buy with your unlocked equity, there are definitely fees involved that you’ll need to account for. This […]

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Intending to borrow

If you’re intending to borrow in the near future, there are a few things you should start getting organised now if you want to maximise the amount you can borrow. Having your financial information ready to go also minimises approval times, which is a godsend if you are already looking for a property. Start with […]

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