Whether it’s unrequited love, or an unsuccessful home loan application, getting your heart broken is never easy. Here are five common reasons home loan applications are rejected.
It’s a morbid thought that many of us tend to shy away from, but end-of-life financial planning is a crucial stage in any successful financial management plan.
Just as every great movie is carried by a star performance, so too do most small businesses rely on a key performer. Here’s how to protect your business from bombing at the box office with key person insurance.
With some of the major lenders recently lifting interest rates on variable home loans, we’ve had a number of enquiries this week as to whether now is a good time to lock in an interest rate.
When one bank hikes its interest rates, the rest usually follow one after the other like dominos. Here’s how to avoid getting caught up in the chain reaction.
We all want what’s best for our children. So while investing in their name from an early stage might sound like a great idea, you need to tread as carefully as you would around an abandoned lego construction site.
You’ve probably heard of The Barefoot Investor before. Pre-sales for his upcoming book have already surpassed the final instalment of the Harry Potter series. But here’s why you don’t have to tread down the tricky path towards financial independence barefoot and all by yourself.
With a reverse mortgage you can unlock nest egg funds without having to sell your whole nest. Here’s how we can help in the process.
Sydney? Melbourne? Perth? Find out which of Australia’s capital cities have performed best in the property market over the past two decades.
We all experience times in life when we just can’t wait to get our hands on that shiny new item. But as the old saying goes: good things come to those who wait.
Credit card providers love to use all kinds of incentives to get you to put that shiny piece of plastic into your wallet, ripe for usage at your weaker moments. Here’s how to avoid getting snared in credit card debt.
It’s one thing to be ready to pay off a mortgage. It’s entirely another to convince lenders that you’re ready to do so, especially in the current environment of tighter lending standards. Here’s how.
We all know that recycling is great for the environment. But debt recycling? Well, if done right, that could be great for your own little patch of planet earth.
Want to avoid sinking your entire savings balance into your mortgage? An offset account could be the solution you’ve been looking for.
Most Australians grow up with the dream of buying and living in their own home. But, given the difficulty of cracking into the market in trendy locations, another option has emerged.
Most Australians receive a tax refund, but not all spend it wisely. Here’s how to make the most of your tax windfall – and not blow it all in Bali.
So your friend just gave you a hot share tip at the weekend barbecue? Before you jump straight on your computer and blow the kids’ education fund, it pays to do a bit of research.
Everyone dreams of investing in a home or business that will fetch them more money than they originally bought it for. Here’s how to roll-up your sleeves and get started.
Rings? Check. Dress? Check. Prenup…? We make the case for and against this most maligned of agreements.
Keen for a new laptop, car, or even an airport lounge membership? Sick of putting your hand in your pocket for school fees, the rent or your mortgage? All of these things could be paid for through a salary sacrifice arrangement.
Every year thousands of Aussie families flush their hard earned dollars down the gurgler because they put off the simple act of refinancing their mortgage. If you’re overdue, rest assured that it’s much easier than you may think!
Family Tax Benefit changes came into effect this week. How do they affect you and your family?
Sure, the value of the average Australian home may have fallen for nine consecutive months, but it’s far from doom and gloom. Let’s put it all in a bit of perspective.
There are two kinds of debt in this world: the kind that is tax deductible and the kind that isn’t. Knowing the difference, and planning your purchases accordingly, can significantly improve your cashflow, opportunities and overall financial position.
Significant changes have been made to Australia’s credit reporting rules, with a new Comprehensive Credit Reporting regime (CCR) coming into effect in the new financial year. Which means now is as good a time as ever to perform a credit check.
Sure, the new financial year is never anywhere near as exciting as the New Year itself. But that doesn’t make it a less important date on your calendar.
First home owner grants have been extended for another 12 months, which is good news for those itching to get off the property market sidelines. Here’s a playbook to help you with your house hunting.
Just as a personal trainer can help you reach your fitness goals, a financial adviser can keep you on track with your personal wealth journey.
Saving a home loan deposit can be challenging enough. Then, lenders often will put another hurdle in your way by asking for proof of ‘genuine savings’. Here’s all you need to know about clearing that obstacle.
Things start out so rosy. You both like the same movies, sports teams and pistachio-flavoured gelato. Then one day you realise you manage your finances in completely different ways. Well, here’s how to get on the same page.
They grow up so fast. One minute they’re nagging you for a dollhouse, the next, it’s for help buying a two bedroom unit in an up-and-coming suburb. If you always find it hard to say ‘no’ to your kids, here’s how to say ‘yes’ the right way.
Families have just a few weeks before a big change to child care fee assistance comes into effect. Here’s how to find out if your family may need to adjust your mortgage repayments as a result.
Families have just a few weeks before a new child care subsidy kicks in. Find out if your family will be better or worse off after the goalposts shift.
They say a fool and their money are easily parted. But with how sophisticated scams are becoming nowadays, it’s no longer just fools who are being duped. Here’s how to spot a scam in the digital day and age.
We pride ourselves on getting you a darn good home loan. So if someone calls up out of the blue with suspicious promises of a better offer, here’s how to know if you’re being scammed.
Much has been made of federal budget’s tax relief measures. But don’t wait around for them like a chump. They could be pocket-change compared to what you could save from getting your own house in order.
Blink and you’ll miss it. Well, at least that’s how it feels when mustering up the effort to keep pace with the 24-hour news cycle these days. Here’s a good ol’ fashioned post-budget property news round-up.
So you’ve finally found the property of your dreams and you can’t stand the thought of someone else moving in? Don’t let a payment oversight get in the way.
Fishing? Travelling? Lending your expertise to a charity? How you intend to spend your golden years is every bit as important as how you save for it.
First home buyers are finally getting a bigger piece of the east coast property pie, thanks to the availability of first home buyer incentives and the easing in investor activity.
Though the ads are often cliche, overly dramatic, and designed to provoke a sense of fear, life insurance can play an important role for some families.
You know how it goes. You see that dream property you’ve just got to have, and then next minute, the budget is in smithereens. Well, at least that’s what happens to almost a quarter of home buyers.
Ever heard that saying along the lines of: ‘A dollar saved is a dollar earned’? Well, that’s not exactly true. Because a dollar saved can earn you much, much more.
If you had a roadmap for life, buying your first property would fall somewhere around getting married and having your first child. You spend hours upon hours researching up on the first two, so it only makes sense to do a bit of homework on this one, too.
How much money would be enough for you to become financially free for the rest of your life? One million? Three million? Recent research has revealed the ‘magic number’, and it’s a little surprising.
So you’ve decided to finally take the plunge and start saving for a deposit to buy your first home? Here’s a few handy tips to get you started.
If you’re a soon-to-be retiree, you can be forgiven for thinking you’ve been a little hard done by with regards to retirement planning schemes. Rest assured there’s still time to ensure a comfortable retirement.
In a perfect world you select a property to buy, complete with white picket fence, and the settlement goes through on the agreed date without a hitch. But as we all know, we don’t live in a perfect world.
Your bags are packed, your visas are confirmed, and your immunisations are up-to-date. But have you made sure you won’t be charged an arm and a leg during the trip?
Whether you’re planning to send your children to a public school, faith-based school or a private school, here’s how much you can expect to pay for their education.
Looking to sell your current property and upgrade to another? Here’s all you need to know about bridging loans.
Seen an offer along the lines of: ‘Drive away, 0% finance to pay’? Well, like most things in life, when it sounds too good to be true, it probably is.
For most first home buyers, the property market can seem like a tough nut to crack. But today we’ll look at a new super scheme that makes it a whole lot easier to save for a deposit.
Whether you’re moving into a new property, or looking to save for an investment, here are five things you can do now to save money and the environment.
We’ve all seen the movies where the luckless protagonist borrows money from a remorseless loanshark and is warned they’ll lose a finger each day they’re overdue. Fortunately, us Australians have more civilized short-notice borrowing options, but they’re not without their risks.
Purchases don’t come much bigger than buying a new home. So it surprised me this week to discover that most homebuyers spend more time watching one Netflix episode than they do inspecting a property.
Small business owners are risking their health and their businesses by eschewing an annual holiday. Is it time you took a break?
‘Have you heard of my new Kickstarter? It’s a combination smart phone/coffee cup. I just need $100,000 to get it up and running. Want to contribute?’
Taxpayers are being put on notice by the ATO, which will be paying close attention to claims for ‘other work-related expenses’ this year.
The hangover has worn off, the (frightening) wedding bills have been paid, and you finally have time to relax and look forward to a long life of marital bliss ahead. Or do you?
Buckle up: interest charges have risen faster over the past year than any other corresponding period since 2011. That’s despite the Reserve Bank keeping rates on hold for the last 16 months.
The sharing economy isn’t simply here to stay, it’s a thriving part of the Australian business landscape. Here are four platforms to keep an eye on.
Financing options for homebuyers could open up once more with the federal government suggesting that lending restrictions could be eased if property prices fall sharper than expected.
Sure, the first half of this week has seen the Australian share market described as a “bloodbath”. But now’s not a good time to panic. Here’s why.
For many of us, a mortgage is something that stays around for the better part of our adult lives. Not so for Heidi Farrelly and her family.
Drop the clutch of excuses. Here’s how to ensure you never forget recording your work kilometres ever again.
It takes more than just cutting back on avocados to make it financially in Australia. Here’s what the under 35s really need to know.
Taxpayers are confused as to why they’re being put into the ATO’s PAYG instalments system without being informed of the change nor properly advised about outstanding debts, a report has found.
Family trusts can be a good way to protect your family’s assets and ensure smooth succession planning. But be warned: they’re not for everyone.
If you saw on the news that someone’s business was robbed because they left the back door open, you may think they were daft. But don’t scoff, you could be doing the same with your business’s online security.