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interest rates rise

Rates on the Rise: Is Now the Right Time to Fix Your Rate?

The cost of living is rapidly climbing, while the national wage growth struggles to keep up. As a result, purse strings are tightening, and budgets are being readjusted to accommodate this new reality. If you’re wondering whether now is the right time to fix your rate, you’re not alone. With rates on the rise, consumers are looking for areas to reduce their spending and locking in their interest rates can be one way to do it. If you’re considering whether you should fix your rate or change it to a variable, keep reading for more information. Fixed vs variable – … Read more

The Purpose of Budgeting and Why it’s Important

When done correctly, budgeting is the best way to manage your money. The purpose of budgeting is to focus on how your money is coming in and going out each month, as well as plan for future repayments. There are so many tips and tricks on the best way to manage your money, but not all methods work for everyone. Unsure why budgeting is so important, or how you can create a budget? Here are our helpful hints. Why is budgeting so important? It keeps you focused on your goals Budgeting keeps you on the right track to reaching your … Read more

how much can you borrow on a car loan

Your Comprehensive Guide to Car Loans

Purchasing a new car is an exciting thing – all your hard work is finally paying off! When it comes to choosing how to finance your new vehicle, there are sure to be some questions bouncing around in your mind – things like how much you can borrow, how to refinance and what a secured loan is. If you’re in the process of (or thinking about) buying a new car, here is your comprehensive guide to car loans. How much can I borrow for a car loan? How much you can borrow is entirely dependent on your financial situation. When … Read more

what is a construction loan

Construction Loans: What are they & how to they work?

If you’re planning to build your dream home from the ground up, or complete structural renovations to your existing home, you may need to take out a construction loan from a lender. This loan differs from a regular mortgage, as it releases the loan funds in stages rather than a lump sum all at once. While building your own home sounds exciting, it can become a bit tricky financially, and the application is more involved than other loans. We’ve broken down how a construction loan works, so you can begin to plan the home of your dreams. What is a … Read more

finance tips 2022

Finance Tips and Hints for 2022

New Year’s resolutions are hard to keep – especially vague ones to which you never properly commit! With two years of chaos that have thrown our finances into disarray, a common resolution for many this year is to get their finances back on track. Setting financial goals, or re-evaluating current ones, can help you keep on track to achieve yours. Finance tips and advice are everywhere, so it can be difficult to know what’s relevant or not. To help set you up for success here are our top finance tips and tricks for 2022. Reflect on 2021 Before you even … Read more

when will interest rates rise

Financial Trends You Should Know About in 2022

The last few years have been nothing short of unpredictable. Financial trends have become tough to predict, with a global pandemic throwing everything into chaos. As the world slowly begins to return to ‘normal’, there are some things you can expect to see. Here are the financial trends our team of experts will be keeping their eye on in 2022. What to watch Inflation One of the significant financial trends consumers need to be aware of in 2022 is inflation. The increased price of goods and services will continue to rise due to issues surrounding the pandemic and other environmental … Read more

When is the Best Time to Buy Property?

Breaking into the housing market may feel next to impossible as house prices soar. With no sign of the boom slowing, many may be wondering when the best time to buy property is, if it exists at all! While some may be holding out in the hope that prices will soon drop, others are taking a different approach and buying a place to satisfy their fear of missing out. So, is it worth waiting for a ‘good’ time to buy, or should you be putting in offers all year round? We’re here to help. When is the best time, seasonally? … Read more

Common Home Loan Application Mistakes to Avoid

Whether you’re a first-time homebuyer or an experienced investor, there are several home loan application mistakes that can be made by anyone. Understanding these mistakes, and how to avoid them, will give you the best possible chance at having your loan application approved by a lender. Here are a few of the most common home loan application mistakes and how you can avoid them. Bidding at auction without preapproval The mistake One of the biggest mistakes you can make as a homebuyer is thinking with your heart and not your head. Going to an auction and bidding without having preapproval … Read more

How a Mortgage Broker Simplifies the Home Loan Process

Whether it’s your first home or your next home, enlisting the help of a mortgage broker can help you get into the property market – and your new home – faster. Many of us will look straight to our current banking provider when looking for a home loan as we feel it’s more convenient to have our money in one place. However, having assistance from a mortgage broker not only ensures you’re getting the best deal but also makes the home buying process a lot quicker and easier. Still unsure whether a mortgage broker is the best choice? Let us … Read more

Impulse Buying: How to Control Your Spending When You ‘Want it Now’

Regardless of how strict your budget is, impulse buying can tempt even the savviest saver. Advancements in technology have allowed businesses to capitalise on consumers’ need to ‘have it now.’ Gone are the days when shoppers needed to physically head to a department store to browse the latest trends. Online shopping means consumers can browse their favourite stores without ever having to leave the house. Add credit cards and buy now pay later platforms to the mix and it’s no wonder impulse buying is an easy trap to fall into. If you struggle with spontaneous spending, here is how to … Read more

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