Educate Me

What should I do when my fixed rate expires?

What should I do when my fixed rate expires? If you’re currently playing the waiting game wondering what will happen when your fixed rate term ends, we understand what a stressful time it might be. Fixed rate borrowers have been temporarily shielded from the Reserve…

Stamp duty explained

If you’ve never bought property before, you may not understand what stamp duty is. In a nutshell, stamp duty is a tax. It’s not very sexy, but it’s one of those things that goes hand in hand with purchasing a property. Navigating stamp duty can…

Is your credit report healthy?

One of the things lenders take into consideration when assessing your ability to repay a loan is your credit report. As part of the loan application process, they’ll assess your financial history, including any previous credit applications you’ve made and any payments you may have…

Your suburb research checklist

The golden rule in real estate is “location, location, location”, but how do you know a suburb is right for you when you find it?   Whether you are buying an investment property or a home, finding an area that meets your needs is paramount. Here…

Pre-tax Time Checklist for Property Investors

If you’re like most property investors, trawling through boxes of receipts to tally up your allowable deductions is probably not your idea of fun. So, how can you make tax time a little easier?  Here’s our pre-tax time checklist.  1. Gather all your documents in…

When to leave your lender

When it comes to your home loan, making sure you’re getting the most competitive deal is important. Even a small difference in your interest rate can mean thousands of dollars over the long run. That’s why it’s imperative to ask us to regularly review your…

Take control of your budget

January. It’s that time of year when many of us begin to feel remorse – not just about all those Christmas pies we overindulged on but also about our festive spending blowout. Last Christmas, credit card spending plunged Aussies $24.3 billion deeper into debt. It’s a…

APRA Serviceability Test

Recent changes to how lenders have to assess borrowing capacity for home loans will make it harder for some to borrow what they want. We’ve broken down what the changes are and what they could mean for you. What’s changed?On 6 October the Australian Prudential…

How to protect you and your family from cyberattacks

When it comes to protecting your online information, it pays to be vigilant. More recent data from the Australian Competition and Consumer Commission shows financial losses from phishing schemes, which trick people into giving out personal information, are up 261 per cent in 2021, compared to last year….

Spring cleaning for your indoor plants

There are all sorts of benefits of owning indoor plants which you may or may not have heard about. Aside from making your living space more attractive, indoor plants may help reduce stress levels, sharpen your attention, improve your mental health and boost productivity. Interestingly, studies have…

How to compare home loans and features

Which home loan is right for you? How can you tell when there’s so many different lenders, loan types and features to choose from? How can you compare loans properly when you’re not sure what you should be comparing? Finding the right home loan for…

Get your budget under control

Getting your budget under control and your finances in order is essential to anyone looking to apply for a home loan, but it’s particularly important for first home buyers about to take the first step on the property ladder. Now the end of financial year…

Welcome to our June Newsletter

As the winter property season and end of financial year (EOFY) are upon us, the Australian property market would usually slow down during the cooler months, but experts say with current buyer demand and low interest rates, we are in for a stronger-than-usual winter season….

Want to get the tax-man to help you buy business equipment?

End of financial year is just around the corner, which means time is running out to purchase a vehicle or equipment for your business before June 30. If you are wanting to purchase an asset or vehicle for your business, we have access to wide…

Fun ideas for your Easter celebration

It’s hard to believe Easter is almost here, but by now you would have noticed all the chocolate eggs appearing around the supermarket. Easter is a special time for families, and in this article, we share some fun ideas for your celebrations this year. Remember,…