We possess within us two minds. So far I have written only of the conscious mind. I would now like to introduce you to your second mind, the hidden and mysterious subconscious.
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As the end of financial year approaches, now is the time to take stock of your finances, including your home loan. Whether you own your home or an investment property, this is the ideal time to assess your financial position, review your loan structure, and…
If you’re looking to buy a property, it’s important to remember that your gambling habits could be taken into account when you apply for a home loan. Your lender will look at any track record of gambling when assessing your financial situation and ability to…
When it comes to taking out a home loan, all the options can be overwhelming. Should you go with a Big Four bank or a lender that’s less known? Is it best to choose a variable home loan or a fixed-rate loan in today’s lending…
Winter has arrived and with property prices heating up, it’s probably a good idea not to put your purchasing plans on ice. Last month’s cash rate cut by the Reserve Bank of Australia (RBA) prompted property prices to increase to a record high in May. Experts…
Tax time might not be everyone’s favourite season, but it it’s a great chance to tidy up your finances. If you own an investment property, it’s important to be aware of all of the tax deductions that could be available to you and plan smartly…
The Labor party pulled off a landslide victory in the recent federal election. So, what does this mean from a housing perspective? If you’re an aspiring homeowner, here are the key campaign promises that may impact your buying plans. Keep in mind the measures will…
Retirement often conjures up images of afternoons on a golf course or adventures in a motorhome, of growing your own vegetables or spending quality time with the grandkids. In order to have the retirement you’ve always dreamed of, it’s important to plan ahead. Here are…
If you’re planning a winter property purchase, you’d be feeling a warm buzz after the Reserve Bank of Australia’s (RBA) latest cash rate decision. The RBA delivered the second cash rate cut for 2025 in May, bringing it down 0.25 percentage points to 3.85 per…
If you’re planning to build your own home, a construction loan could help finance your project. Unlike standard home loans, construction loans provide funds progressively in stages as your new home is built. Here are a few of the key points you should consider. A…
Negative gearing is a popular investment strategy in Australia, but it’s also a term that often comes up in the media, particularly when there’s an election looming, like right now. Let’s take a look at what it means, what capital gains tax (CGT) is and…
It’s Federal Budget time, so let’s cut to the chase. What’s in it for aspiring homeowners looking to purchase a property in 2025? Here are some of the key takeaways that could affect you. Purchasing property Help to Buy scheme Labor plans to boost its…
The Reserve Bank of Australia (RBA) kept the cash rate on hold at its latest meeting, but it looks highly likely the RBA’s next move will be a cash rate cut after President Donald Trump’s sweeping tariffs on US imports sent shock waves through global markets. Meanwhile,…
Renovating can be a great way to add value to your property, improve your living space, or boost your rental return. But before you start knocking down walls, there are a few key things to consider. A renovation can quickly turn from a smart investment…
The Reserve Bank of Australia (RBA) has cut the cash rate and interest rates have come down. So, is now a good time to buy property? The answer depends on your unique circumstances and goals. But generally speaking, it’s always best to get a leg…
Managing your home loan well can give you more flexibility and help you pay off your mortgage sooner. A redraw facility could be one way to reduce interest costs while still having access to extra funds when you need them. Here’s what you need to…