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Apartment Investing

Apartment Investing – Is it a good idea?

Interest rates are low at the moment and the housing market is booming. Because of this, you may be thinking: Is it the right time to buy? What suburbs are set for big capital growth? And are apartments a good investment? The great debate (in our opinion) of buying a house as an investment versus buying an apartment as an investment has been an ongoing struggle for some time. While buying property should never be a rash decision, if you are financially ready, it may be a good time to look into purchasing an investment property as interest rates are … Read more

Wealth through property

The Easy Way to Start Building Wealth Through Property

Investing in property, if done properly, could turn into the quickest way to ensure financial independence in your retirement or improve your quality of life in the shorter term. Many of us worry that investing sounds great in theory but don’t think it’s something we can do on our own. Don’t sell yourself short – it’s not as difficult as you may think. The Inovayt team is here to help you with any questions you may have when it comes to building your wealth through property. Firstly, what are the key considerations you need to think about before purchasing an … Read more

Wealthy Retirement

The Fast Way to a Wealthy Retirement

Most of us imagine our retirement as a time to enjoy new hobbies, travel the world, and spend time with our grandchildren. The bleak reality for many though is that there simply won’t be enough money in the bank to make this dream come true, and with the retirement age in Australia increasing, Aussies are no longer able to rely on the aged pension as their sole income. However, with the right strategy and planning in place, you will be able to build the best retirement plan for you and have solid steps in place for a comfortable retirement. Do … Read more

The Numbers Game Podcast

Tune in to The Numbers Game Podcast

For those of us who feel like we are constantly on the go without five minutes to ourselves, it may seem like we’re ‘too busy’ to research how to set ourselves up financially. To combat this, our Managing Director, Nick Reilly; Head of Sales and Business Development, Martin Vidakovic; and Jason Robinson, CPA and Director of Future Advisory; have created The Numbers Game, a podcast to educate you on all things finance. As the Australian marketplace begins to regain control, people – especially millennials – are becoming more interested in their finances than ever before, with research showing that 68 … Read more

First Home Buyer's Market

Is it a First Home Buyer’s Market?

While a majority of people put their plans to buy property on hold in 2020 due to the uncertainty of COVID-19, the market has bounced back. With easing restrictions, auctions starting up again and government incentives designed specifically to help first home buyers get into the market, there is a mismatch between supply and demand at the moment. However, these factors don’t necessarily mean that it’s not a first home buyer’s market. Let’s take a look at all the considerations to determine whether or not it’s the right time for you to start your property journey. Individual circumstances Deciding whether … Read more

Fix Your Home Loan Rate

Is it a Good Time to Fix Your Home Loan Rate?

With interest rates at an all-time low, you may be wondering if it’s a good time to refinance your home loan or possibly consider a fixed interest rate. Before you rush to fix your home loan rate, there are a few considerations and complexities to determine if it’s right for you. We explore these below. What’s the difference between a fixed and variable home loan? An interest rate refers to the amount of interest a lender charges the borrower in exchange for borrowing their money. Typically expressed as a percentage, interest rates can be fixed, which means they are set … Read more

need to know about financial planning

5 Things You Need to Know About Financial Planning, Including Costs

Everyone can benefit from seeking the advice of a financial planner at some point, regardless of their financial goals, current financial position or income. When it comes to your finances, being proactive and planning is the best step you can take to ensure a stable and comfortable future. In this article, we take you through five things you need to know about financial planning. What is financial planning? We’ve all heard the term ‘financial planning’ but what does it mean and what does a financial planner do? Well, that’s a great question! While many perceive a financial planner as a … Read more

planning for your retirement

Planning For Your Retirement in 4 Steps

Most of us live a fast-paced, busy lifestyle but when it comes to planning for your retirement, the sooner you start, the better. Too often, people start thinking about their retirement when they’re in their late 50s and realise they haven’t thought far enough ahead to live the retirement they desire. Planning for your retirement can be a complex area and it’s important to understand your options, what strategies are on offer and the future implications of the choices you make now. We’ve shared 4 steps to help you prepare for your retirement, regardless of your age. Have a goal … Read more

Choosing the Right Loan While Self-Employed

If you’re self-employed and looking to get into the property market or purchase a new car, chances are there will be a few extra hurdles you have to jump before you can obtain finance. While it may not feel like it, there are options for finance, even for those who are self-employed. Before you take the first offer on the table, make sure you’ve done your research and that you’re choosing the right loan for your circumstances both now and into the future. Finance for self-employed individuals Applying for finance can be daunting at the best of times, but even … Read more

Common Mortgage Terms Defined

If you’re a first home buyer, obtaining a mortgage can seem overwhelming and perhaps even confusing. Often, there’s jargon and terms you may not have heard of and, with something as important and serious as a home loan, you need to get your head around these mortgage terms quickly! We advocate for financial literacy and want our clients to feel empowered and informed at every step along the way. To help you understand mortgages like an expert, we’ve put our heads together and listed the most common terms people find confusing. Appraisal Is an assessment of how much a home … Read more

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