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Wondering what will happen after your fixed interest rate period ends? With many fixed interest rate periods ending this year, you’re not alone. As a mortgage broker, it’s important to provide clients with comprehensive advice and guidance, especially when it comes to managing their home loan repayments. The end of a fixed interest rate period can bring significant changes to

We have become aware of a recent security incident at Firstmac that may have affected your personal information. Ensuring the privacy and security of your data is of course, our utmost priority. What Happened? Recently, FirstMac IT systems were compromised by an unauthorized third party. This breach ledto the unauthorized access of personal data including names, contact details, tax file

#1 Get Started! As simple as it sounds many people wait. Wait for a deposit – wait for the right time ” wait for right property. These are all important ” but why not get started and talk to an experienced mortgage broker who can confirm what you can afford ” with buffers in case of one of life “oops”

Hi friends, I’m taking part in Cancer Council’s Hills Relay For Life 2024 and I’ve set myself a goal to raise $480 in 48 hours – I have until 8:00am on Friday! I would be so grateful for your support, every dollar really does make a difference. www.relayforlife.org.au/fundraisers/kelvinmason Thank you 💛

In today’s economic climate, grocery shopping can be one of the most stressful aspects of household management, with bills ranging from $78 to $210 weekly. A key factor contributing to high grocery bills is the clever promotional tacticssupermarkets employ. According to Professor Nitika Garg from the University of New South Wales’ School of Marketing, understanding these tactics is crucial to

LMI a great option for first home buyers LENDERS MORTGAGE INSURANCE company Helia has released its 2023Home Buyer Sentiment Report, which reveals the stark truth about the challenges first home buyers face when purchasing property. The report found that 78% of first home buyers are finding it difficult to save for a deposit, which impacts their path towardshomeownership. “This is

As the financial year approaches, the June 1 HECS-HELP indexation deadline nears, impacting the student loans of 2.95 million Australians. Early data suggests an increase of 4.2% to 4.8%, potentially adding up to $1,272 to the average studentdebt of $26,494. Since 2005, student loan debt in Australia has surged from $12.4 billion to $78 billion. The repayment period now stretches

HECS and Home Buying – Understanding Your Options. When you’re in the market for a new home, deciding whether to pay off your HECS debt or boost your down payment is crucial. There are several strategiesto consider. Impact on Borrowing Capacity Take, for instance, an income of $110,000. HECS deductions amount to $7,700 annually from your net income, which can

Diving into property investment is exhilarating yet daunting, offering significant return potentials. Here’s a guide to avoid common mistakes in your first investment property purchase: Managing Cash Flow Effectively: Understand Initial Costs: Know the expenses involved in property buying, like stamp duty, legal fees, and inspection costs.Anticipate Ongoing Expenses: Remember, owning a property involves continual costs such as council rates,

As the trend of self-managed superannuation funds (SMSF) gains momentum, many are seizing the opportunity to take charge of their investment decisions. Particularly, SMSF lending has emerged as a popular choice, offeringsignificant control and flexibility. Here’s why: Available Lending Options: Residential Lending: Up to 80% loan-to-value ratio.Commercial Lending: Up to 70% loan-to-value ratio.Pre-Approval Options: Some lenders offer pre-approval even before

What is it about our great country that makes us so proud, and the previous generations went to war to keep free ? My Country The love of field and coppice,Of green and shaded lanes.Of ordered woods and gardensIs running in your veins,Strong love of grey-blue distanceBrown streams and soft dim skiesI know but cannot share it,My love is otherwise.