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Finance

Things to Consider When Buying a New Car

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Buying a new car is an exciting time. Browsing around car yards, looking up new features and searching different makes and models can be fun – until you see the dreaded price tag that comes with it. Much like houses, cars are a long-term purchase, so a decision to buy a car shouldn’t be made lightly. There are many factors to consider before pulling the trigger on a certain vehicle, including what purpose this car will serve, whether you plan on extending your family and how buying a new car will impact you if you’re trying to save to buy … Read more

New home owners

What is a Vendor’s Advocate?

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Selling your home is a stressful time – corresponding with real estate agents, preparing your home for inspections, and navigating through a changing market can all be overwhelming. Enlisting the assistance of a vendor’s advocate to help you through this time can be a way to reduce some of your stress, as well as help you get the best price possible for your home. While they can help take a huge weight off your shoulders when it comes to the selling process, there are some things you need to be cautious of when finding the perfect vendor’s advocate for you. … Read more

What is a Buyer’s Advocate?

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Enlisting the help of a buyer’s advocate can make your property buying process a walk in the park. They take care of everything – from house hunting, right up to bidding on auction day. Using a buyer’s advocate can help relieve stress you may encounter during your home buying journey and assist if you’re time-poor. Here’s everything you need to know about buyer’s advocates and whether hiring one is right for you. What is a buyer’s advocate and what do they do? It’s common for people to get confused between a buyer’s advocate and a vendor’s advocate. While they’re both … Read more

Finfluencers

Finfluencers – Helpful or Dangerous?

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TikTok and Instagram have become increasingly popular when it comes to millennials and Gen Z’ers and the growing interest in money management. While some may say young people showing a greater interest in their financial wellbeing is a good thing, it’s important to question whether this is the right channel to get your information. Financial influencers known as ‘finfluencers,’ have varying degrees of knowledge, yet most do not hold an Australian Financial Services Licence which means they aren’t subject to codes and regulations to act honestly, efficiently, and fairly or to have capital buffers set aside in case of investor … Read more

Buying property in lockdown

Buying Property in Lockdown – Your Go-To Guide

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Buying property is such an exciting time in anyone’s life. Going to inspections, planning out the layouts of your future rooms and picturing yourself in the garden are all fantasies we have when it comes to house hunting. Unfortunately, a lot of these dreams have been thrown into disarray as sporadic lockdowns have shut down the real estate industry in parts of the country. With restrictions on real estate in parts of the country like Sydney and Melbourne, some may be forced to put their house hunting on the back burner until they can start inspecting again. However, other buyers … Read more

First home buyer challenges

Tick all the Boxes but Still Can’t Buy a Home? First Home Buyer Challenges

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Purchasing property when the market is ‘hot’ is a challenge for anyone, but for first home buyers trying to enter the market for the first time, it can be extremely discouraging having offers continually knocked back – especially when they tick all the boxes needed to buy a property. Although it’s easy to get disheartened, there are some ways around some of these challenges first home buyers face. Managing expectations All too often, first home buyers will have a higher expectation of what they think they can borrow, rather than what is realistic. Inovayt Finance Broker, Justin Coughlin, says it’s … Read more

Budgeting tips

5 Budgeting Tips and Strategies You Should Try

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No matter how much you earn for a living, when it comes to budgeting, some of us simply find it easier than others. With so many budgeting tips and tricks available it can get confusing when trying to invest in a long-term strategy that works for you. An alarming 86 per cent of the Australian population don’t know how much money they’re spending every month – that’s a considerable amount of money that’s not being used effectively. Here are Inovayt’s top 5 budgeting tips to help you save. Budgeting tip #1: Decide why you’re budgeting and set a goal  The … Read more

Personal Loans Tax Deductible

Is a Personal Loan Tax Deductible?

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If you’re looking for personal finance to help you out of a jam or to purchase a big-ticket item, one of the many questions you might be pondering is whether a personal loan is tax deductible. What is a personal loan? A personal loan is just that – personal. The motivations people have for obtaining a personal loan vary, but typically, they’re for something special like travel, a new car or maybe new furniture. They may also be to cover a shortfall that you might have. Personal loans are repaid with interest over an agreed term which is typically between … Read more

Loan application

Loan Application: How a Lender Will Assess Yours

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Going through the loan application process can be an exciting and challenging time in your life. Whether it’s for a personal loan, car loan or mortgage, there are many things a lender must consider when it comes to assessing your application and whether they are happy to approve your loan. Lenders consider much more than your income and deposit when it comes to deciding if they’ll lend to you. Here are some of the things you can expect a lender to look at when assessing your loan application. Your ability to service the loan First things first, lenders are going … Read more

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