Category: Debt Consolidation

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Financial tips to keep Dad happy this Father’s Day

With Father’s Day around the corner, we thought we’d prepare a list of tips to help Dad find the happy balance between good finances and family. Before having kids, financial decisions tend to be relatively straightforward. When children arrive, though, parents need to start thinking in a new way. Having children ups the cost, for […]

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New financial year resolutions

Happy New Financial Year! Rather than cringing at tax time, let’s celebrate by setting some meaningful financial goals that can help you get ahead, and live the life you want. Assess your debt How are your credit card bills? Are you drowning in interest repayments? If the debt is weighing you down, now’s a good […]

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Christmas spend debt

Tackle your post-Christmas debt

On average, Australians plan to spend $955 over the holiday season. Most use savings for Christmas presents, but 46 per cent use a credit card, and another 4 per cent take out a loan. The average credit card debt after Christmas is $1,666. Most people will pay off their credit card debt within six months, […]

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Debt consolidation

Having multiple loans can creep up on you. Let’s say you took out a personal loan for a holiday you couldn’t quite afford outright when you were younger. Perhaps a year or two later you took out a car loan because the weekly repayments sounded far easier than a $40,000 lump sum. Several years after […]

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Loan Redraw or Offset Accounts? Which is Best?

Offset accounts and redraw facilities work in similar ways; they both allow you to reduce the balance of your home loan, and therefore the interest charged, by applying extra money to your debt. They also are an effective means to build a “buffer” for a rainy day. Redraw allows you to deposit spare income into […]

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The Truth About Fixed Rate Loans

With interest rates at an all-time low, taking the option of locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one. When purchasing a property, borrowers can decide between fixed-interest loans […]

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When Should I Consider Home Loan Refinancing?

For long-term borrowers, it’s easy to get into a pattern of repayment and assume that there’s no need to tweak things here and there. What might surprise you is that becoming complacent with your home loan could be costing you thousands. It pays (literally) to do a regular assessment of your mortgage, whether it is […]

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What affects your credit score?

There’s a road that more and more Australians are choosing to go down: Home ownership. From building a property investment nestegg for retirement, to providing a long-term home for your family, there is a wide array of benefits to securing a house in this day and age. Once you’ve made the big decision to track down […]

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Client stories

Dee and Henry Nieuwenhuis

Going green wasn’t an optional extra for the Nieuwenhuis', it was an integral element of their property investment strategy....

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Belinda and Ashley Benson

Borrowing money can get awfully complicated and that’s where having the right mortgage broker made all the difference for...

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Elly and Nic Marie

It was Christmas Eve 2015 and Elly Marie and her husband Nic were busy with their new baby and planning their upcoming wedding in...

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