Category: Money

Follow our Smartline blog for up to date latest Australian finance and property news.

reduce energy costs

Reduce your energy costs

High energy prices are often in the news, which is no surprise given Australians pay the highest energy prices in the world. That, combined with increased energy consumption, means a bulk of your household expenses go towards energy bills. Much of the cost of energy is to do with maintenance of network connections, like poles […]

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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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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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new year, resolution, finance

New year new you

Welcome to 2018! Another year has whizzed by. Did you invest wisely last year? Were you making progress financially? If not, here are a few tips to help make 2018 count. The first step is to get your finances in order, if they aren’t already. Make sure you have a budget that keeps track of […]

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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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Christmas financial stress

Feel less financially stressed this Christmas

Christmas is a time to be merry. But for many, it’s a time to stress out. There are presents to buy, holidays to pay for, dinners and drinks out and sometimes, work without pay. But Christmas doesn’t have to mean we stop saving for a first home deposit, or become bogged down by mortgage repayments. Using […]

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5 tips for managing mortgage stress

The term mortgage stress has been bandied around in the news recently. With Reserve Bank of Australia (RBA) cash rate at a record low of 1.5 per cent, house prices continuing to rise and incomes remaining flat, economists are concerned that when rates do increase, many Australians will experience mortgage stress. There are many definitions […]

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Taking the long-term view on your mortgage

Taking out a mortgage is a big commitment, and often you will be paying back your mortgage over 25-30 years. This is a long-term arrangement, and possibly the first time you’ve ever had to think so far into the future. There is a lot to arrange when taking out a mortgage. And to give yourself the […]

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Heating up? 5 ways to cool your house that won’t cost the earth

Summer is fast upon us. In some parts of the country, it has definitely arrived. While summer means beaches, swimming and evening BBQs, it also means high energy bills, as we switch on the aircon to stay cool. Before you panic, and start looking for real estate in Tasmania, there are a few ways you […]

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5 smart ways to spring clean your finances

Spring is a great time to dust off the cobwebs and reorganise the linen cupboard. It is also a great time to reassess your finances, to make sure everything is running smoothly. Here are some strategies to ensure you are getting the most out of your money. Dust the cobwebs off your budget Checking in with […]

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Client stories

Linda and Trevor Friend

Linda and her husband Trevor had their mortgage with one of major banks for years. With rates going down steadily, the time had...

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Udaya and Nita Lohani

With their family having outgrown the two-bedroom unit they had lived in for seven years, Udaya and Nita Lohani knew the time was...

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Belinda Fellows

Having a great mortgage broker can really help ease the stress and strain that comes with buying a property – particularly when...

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