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I just responded this exact question on a forum – and while the answer is simple: 1 Get a good economic interest rate and reasonable fees (if any) 2 put as much money into the loan (or offset account) as soon as you can 3 and leave it there!! It’s also really complex! The poster writes: “I was […]
We call it the three C’s of lending, the tests by which it is determined if you can borrow money, and if so – how much: Character Capacity Collateral Let’s look at Capacity. Online borrowing calculators will give you a very standard result as to what the bank might look at lending you – nothing […]
Does the thought of budgeting send a shiver down your back? Home loan comparison show you the easy way! Creating a budget doesn’t have to be ugly, and it doesn’t mean cut to the bone – its’ simply taking a look at your finances, working out what you’re spending on food, housing, entertainment etc. If you have ever looked at your […]
It’s nice to think that choosing a home loan is all about picking the best rate on the internet and there you are, but, here’s an example of some clever thinking that saved someone – my client – massive money, if you will indulge my little brag post. My client wants to increase his loan […]
For many Aussies our superannuation is either set and forget (and believe me, forget is the right word, so many people I meet have multiple funds sitting forgotten and being eaten by fees) or we’re a little complacent because we don’t understand our investing options. Or retirement seems so far away we don’t give it […]
I’ve been asked to give some expert tips on how mums can start again buying property after a divorce or a separation or other major event, when they’re starting out alone and want to keep the property they are in or buy something to stat your new life in. What a whirlwind time it is […]
