We keep you 'in the know' with the latest tips, trends and information
So, you’ve decided to invest in property, what do you need a financial adviser for? Whether it's your first property or fifth, upgrading to your family home or part of a long-term property investment strategy a financial adviser can enhance your property journey in...read more
It certainly is a happy new year for property investors. As of January 1st, the Australian Prudential Regulation Authority (APRA) has lifted the cap on interest only loans. I’ll explain why they’ve lifted the cap and most importantly why you should care. What...read more
ASK CARL - Video series Lending criteria is a bit different for these types of properties, so it's a good idea to speak to your Mortgage Broker (hopefully that's me). https://youtu.be/u_enpPyv12c Thanks for watching 🙂 If you have any questions or need assistance...read more
Hands up who loves Christmas?... We do! It’s one of our favourite times of the year. However, the financial burden associated with Christmas can also be really stressful. 40% of Australians use credit to buy gifts for Christmas. On average Australians wrack-up over...read more
ASK CARL - Video series Why it’s a good idea to get a home loan pre-approval before you go house hunting. In this video, I explain what a home loan pre-approval is and where it fits into the home buying/property purchase process Thanks for watching. If you have any...read more
The benefits of refinancing your home loan can include more saving money on repayments, flexibility, accessing equity and potentially paying your home loan off sooner. Despite these attractive benefits, we’ve noticed that sometimes people can be reluctant to...read more
We discuss how to get the MOST out of your property with renovation obsessed Claudia Brda of The Renovate Avenueread more
ASK CARL - Video series When done correctly there are plenty of benefits to refinancing your home loan. However, there are some common traps that many people fall into. In this video, I share what these traps are and how to avoid them. Thanks for watching. If you'd...read more
Find out whether you’re affected and what you can do about it.
You may have noticed in the media recently that some banks have increased interest rates on certain home loan products. The banks with the most highly publicised rate rises are ANZ, Commonwealth Bank, Westpac, Bank of Melbourne and BankWest.
ASK CARL – Video series
Check out Carl’s video on the benefits of refinancing your home loan/mortgage.
Should you fix your interest rate, go with a variable home loan or split your mortgage?…
One of the most common questions I’m asked by clients is whether they should fix their interest rate. It’s a question that can cause much confusion and is often a topic of debate as people gather for barbeques and dinner parties.read more
How to buy a new property when you haven't sold your current home When selling one property and purchasing another, the funds from the sale may not be available in time to use for the purchase deposit. There are typically two options in this scenario: a bridging loan...read more
How to get through school holidays and enjoy them without spending a small fortune.
It’s school holidays again, they seem to come around so quickly and as always, we’re faced with the problem of how we’re going to entertain the kids Every. Single. Day. without it being super expensive.
So, what can you do during the school holidays to keep your kids entertained?…
Here are our best tips and favourite free or low-cost activities.
Our Community Engagement Manager Jo co-hosts a popular podcast and radio show on 98.7 RPPFM. Jo’s co-host Tara Vandeligt is the Founder of Building Dreams. Mornington Peninsula.read more
We all strive as parents to help our kids set healthy habits. Managing money is a helpful skill they can benefit from for the rest of their lives. Kids who develop good money management skills from an early age are more likely to be ready to face financial challenges...read more
Securing a home loan can be time consuming, confusing and at times frustrating. An experienced Mortgage Broker uses their expertise to remove the overwhelm, save you time and money and make sure that you are placed in the right home loan for your circumstances When I...read more
There are plenty of words and phrases that are inappropriate to say in polite company but Lender’s Mortgage Insurance isn’t one of them. My three year old son thinks talking about bodily functions when we’re out in public is an absolute riot. The Funniest. Thing....read more
A Guarantor Loan helps you get into your own home sooner. In my years of helping families buy their first homes one of the biggest barriers I’ve seen people face is saving the deposit. They may be earning a good income, but paying rent prevents them from saving. For...read more
One of the biggest challenges for families looking to buy a home is coming up with the deposit. In fact, the sometimes seemingly impossible task of saving a massive deposit can put people off even attempting to enter the property market or buying their next home. The...read more