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Posted in Reducing Debt

Noel & Leanne's story

Posted by Chris Collard on 31 August 2017
Noel & Leanne's story
Our concerns and fears were cleared in one phone call. We had recently sold our home and were looking to move closer to the family as we have a new grandchild. Our present bank stated that due to our income, age and Noel's change in work situation we could not borrow to buy our new home.  This did not make sense to us as our new home purchase would be less than what our present loan was.  We had some concerns as we had gone unconditional on the new purchase contract a...
Posted in: Property Financial planning Home loans Buying a house Reducing Debt  

Is it time to fix your interest rate?

Posted by Mark Attard on 4 July 2017
Is it time to fix your interest rate?
It is one of the most common questions we get asked. Should I fix the interest rate on my loan? Below are the things you need to consider and talk through with us before making the right decision for you. Principle and Interest Home loans Most lenders offer better rates for Principle and Interest (P&I) repayments. They also offer better rates where your total loan limit is 80% or below the value of your home. Given the increase in property prices in Melbourne and Sydney...
Posted in: Debt real estate Interest rates Financial planning Investment Home loans Upgrading your Home Smart Money Management Reducing Debt  

Buying Melbourne real estate?

Posted by Chris Collard on 26 October 2016
Buying Melbourne real estate?
Here's what you ought to know about Melbourne's latest property hotspots. House-price growth is set to creep further north and west alongside infrastructure spending, with what were once hard-knock suburbs named as Melbourne's next property hotspots. This article looks at the proudly blue collar suburbs of Heidelberg Heights, Sunshine West and Fawkner, which were named the top-three investment areas for affordable houses in PRD Nationwide's Property Affordability 20...
Posted in: real estate Property Personal loan Financial planning Investment Property Investment Smart Money Management Building Wealth Reducing Debt  

15 easy ways to have a millionaire mindset

Posted by Chris Collard on 26 October 2016
15 easy ways to have a millionaire mindset
Here's how to start thinking like a millionaire and you don't need the exorbitant bank balance to do it! Want to be one of the 234,000 odd people in Australia with a "high net worth" i.e. a millionaire? According to global consultancy Capgemini's 20th annual World Wealth Report, there were 8000 more high net worth individuals in Australia in 2015, than in 2014. Largely thanks to low interest rates and more people investing in property. Interestingly, the r...
Posted in: Millionaire mindset Smart Money Management Reducing Debt  

How to retire in your 30s

Posted by Mark Attard on 26 October 2016
How to retire in your 30s
Two key financial steps to get right early plus, a guide to how much you will actually need to save for an early retirement. Attention millennials: the information below is not just about being frugal. After all, life is meant for living, right? Instead, this blog is about having a plan to reduce your debt and build your wealth so that you can work towards retiring in your 30s. Put it this way, if you start taking some simple steps now to get your personal finances in order, th...
Posted in: Millionaire mindset Early retirement Property Property Investment Success Smart Money Management Retirement Building Wealth Reducing Debt