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How Do I Get Pre-Approved for a Home Loan?
August 27, 2025
Buying a home is one of life’s biggest financial decisions, and for most Australians, securing finance is the first major step. Home loan pre-approval can provide clarity around your borrowing power, give you a competitive edge when making an offer, and help you move with confidence in a fast-paced property market. But while it’s often...Read More
How Do Home Loans Work?
August 27, 2025
A home loan, often referred to as a mortgage, is money borrowed from a lender to help purchase a property. You repay this loan over time with interest, usually for 25 to 30 years. For many Australians, a home loan is the largest financial commitment they’ll ever make, so it’s crucial to understand the basics...Read More
How to get a good credit score
August 25, 2025Debt Management & Budgeting
What is a good credit score? Your credit score, also known as your credit rating, is a number that represents your creditworthiness. This shows the credit card or loan provider what your history of credit use is and if you’re able to manage your debt(s) effectively. A credit score is calculated and reported by various...Read More
With the new financial year comes a fresh wave of superannuation changes that could make a real difference to your retirement savings. Let’s unpack what’s changing – and how to make the most of it. The SG rate hits 12% One obvious lift to retirement incomes is the increase in the Super Guarantee (SG) rate...Read More
Pros of investing in property Income – you earn rental income from the property when tenanted Less volatility – property income and property value can be less volatile than other investments such as shares or bonds etc Capital growth – if your property increases in value, you will benefit from a capital gain when you...Read More
Planning to retire
August 19, 2025Retirement Planning
Before you retire If you’re planning to retire, you need to consider: your age, including if you have reached your preservation age your super how much tax you will pay on amounts you receive if good leaver conditions apply if you are part of an employee share scheme if the retirement capital gains tax concession...Read More
Volatility indexes are a barometer for where share markets may be heading It should come as no surprise that there isn’t an accurate way to foretell what share markets will do from one day to the next. Yet, while there is no share market crystal ball as such, there are dozens of market indexes globally...Read More
Credit repair
August 19, 2025Uncategorized
If you have a poor credit score or an error in your credit report, it may affect loans or credit you apply for. You have a right to get errors fixed for free, and you can arrange this yourself. What you can get fixed (for free) Here are some of the typical errors in credit...Read More
Define your renovation goals Renovations can be an exciting time to re-shape the look and feel of your home, however before you start getting into the details, it’s important take a step back and clarify ‘why’ you’re renovating. For instance: Do you need more space? Is your kitchen too dated? Are you looking to boost...Read More
By doing a few calculations you can easily see if your portfolio is still on track. If you’re someone who likes a good balance in your investing life, now may be a good time to do some calculations. It’s not something you must do, but doing so may give you some extra peace of mind...Read More