RBA Cash Rate: 4.10% · 1AUD = 0.63 USD · Inflation: 2.4%  
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Home Loan Variable: 5.13% (5.89%*) • Home Loan Fixed: 5.14% (6.01%*) • Fixed: 5.14% (6.01%*) • Variable: 5.13% (5.89%*) • Investment IO: 5.64% (6.42%*) • Investment PI: 5.55% (5.96%*)

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General
Kelvin Mason

🚗 Drive Safe, Get Rewarded: NSW’s Cool Road Safety Hack!

Attention NSW drivers! Want to clear your driving record without breaking a sweat? Transport for NSW is giving responsible drivers a sweet bonus. If you’ve kept a clean driving record from 17 January 2023 to 17 January 2024, you could have one demerit point magically wiped away .Quick Details: Applies to

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Cyber Security
Kelvin Mason

Major breach of location data company puts your privacy at risk

Many mobile apps claim they need access to your location data in order to function properly. Some of them share or sell this data to location data brokers. These brokers compile data from various sources, piecing it together to form a detailed picture of user behaviours and movement patterns. They

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First Home Buyer
Kelvin Mason

What are the main challenges Gen Z faces in achieving homeownership

Gen Z faces several significant challenges in achieving homeownership: Affordability Crisis High property prices: Housing affordability is at its worst level in 30 years, with record-high house prices making it increasingly difficult for Gen Z to enter the market Deposit hurdle: The size of the initial deposit needed to secure

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First Home Buyer
Kelvin Mason

Building a Secure Financial Future for All Australians

The concept of the Australian Dream has evolved significantly over time, reflecting changing societal values, economic conditions, and demographic shifts. Here’s how it has transformed: Traditional Australian Dream The traditional Australian Dream, which took hold in the prosperous decades following World War II, centered around: Owning a standalone house on

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Refinance
Kelvin Mason

Why you might want to refinance sooner rather than later

Thinking about refinancing? As interest rates rise, so do the hurdles you need to clear. Here’s why you might want to look at refinancing soon to avoid potentially missing out. When was the last time you refinanced? If the answer is “never”, or you can’t actually remember, there’s a good chance you’re paying a

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Buyers Agent
Kelvin Mason

How profitable is property development?

Property development stands out as the most profitable strategy in real estate, offering significant returns but also carrying inherent risks that need careful management. While renovations can add value, true property development begins with a two-lot subdivision, where one property is transformed into two, effectively creating new assets. There are

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Accountant
Kelvin Mason

Does your accountant talk to your Finance Broker?

For self-employed or business applicants seeking finance, communication between their finance broker and accountant is crucial. In times of economic uncertainty, banks increasingly rely on accountants to explain the business health and future prospects of loan applicants. The Expertise Gap Credit assessors at financial institutions are rarely trained to be

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Lifestyle
Kelvin Mason

House, apartment or townhouse? The pros and cons of each

Let’s explore the main types of housing and their advantages and disadvantages. Houses Houses dominate the Australian property market, accounting for 70% of private residences . They come in different forms: Detached houses: Freestanding residences Semi-detached houses: Share a common wall with a neighbouring home Terrace houses: Typically dating from the

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Mortgage Broker
Kelvin Mason

How to know if you’re paying a fair price

Consider engaging a buyers agent & getting home loan pre-approval Understanding Property Value: A Guide for Home Buyers Overpaying for a property can lead to: Higher loan repayments Stretched budgets Potential funding shortfalls if bank valuations come in low Determining Fair Market Value Professional Valuation Cost: $200-$600 Pros: Expert assessment

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Cyber Security
Kelvin Mason

Chinese Hackers Infiltrate Over 260,000 Smart Devices, Warns FBI

Chinese hackers have infiltrated over 260,000 internet-connected devices globally, including routers, firewalls, and smart gadgets, to create a botnet capable of launching cyberattacks. The operation mainly targeted North America and Europe, with more than 126,000 infected devices in the U.S. and 18.900 in Germany. These compromised devices have been organised

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Cyber Security
Kelvin Mason

What is KYC and why is it important?

KYC is the process of verifying a customer’s identity by collecting and validating their personal information and documents. It’s crucial for businesses to ensure the authenticity of submitted documents and confirm the customer’s identity Importance of KYC Mandatory for regulated companies in Australia Beneficial for unregulated companies to minimize financial

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Fixed Interest Only (P&I)
Interest*
5.55%
Comparison*
5.96%
   
5.55%
6.01%
   
5.55%
6.19%
   
5.55%
6.24%
   
Variable Interest Only (P&I)
Interest*
5.94%
Comparison*
5.97%
   
5.98%
6.17%
   
5.98%
6.35%
   
5.99%
6.01%
   
Invest Interest Only
Interest*
5.64%
Comparison*
6.42%
   
5.69%
6.14%
   
5.69%
6.20%
   
5.69%
6.37%
   
Invest Loans
Interest*
5.55%
Comparison*
5.96%
   
5.55%
6.01%
   
5.55%
6.19%
   
5.55%
6.24%