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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

Are debt consolidation loans worth it

Are Debt Consolidation Loans Worth it for Me?

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Between home, personal and car loans, having to pay back multiple loans may make you wonder if debt consolidation loans are worth it based on your current situation. Debt consolidation loans give users the opportunity to simplify their finances, as well as potentially allow people to increase their borrowing capacity. Let’s look at debt consolidation loans in more detail and how they can benefit you.  How does it work? Essentially, debt consolidation is bringing all your existing debts together into one new debt, which can help you manage your repayments and give you a clearer picture of your financial future. … Read more

Personal loan with poor credit

Can I Get a Personal Loan with Poor Credit?

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If you’ve had previous money problems, you may be worried you won’t be able to obtain a personal loan with poor credit. While many of us are under the impression that no one will lend to those of us without a gleaming track record, this isn’t the case. There are many aspects that make up your overall credit score and there are ways you can improve your score. Read on to see how you can get a loan despite a poor credit score, as well as ways to boost your current one. What is bad credit?  Credit can be a … Read more

Insurance broker

Why Use an Insurance Broker?

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Insurance is an extremely important aspect of our lives – whether it’s for individual or business needs. With an abundance of information available online, it’s not uncommon to feel stressed. Enter an insurance broker and you may have found the perfect person to help you navigate your way through the stressors of insurance. Even with an insurance broker involved, dealing with insurance can be confusing and quite frankly, overwhelming. However, when you engage a broker, you’ve got someone on your side who is working for you, and not the insurer, so you know you’re getting the best advice possible. Why … Read more

Investment Loans Be Interest Only

Should All Investment Loans Be Interest Only?

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If you’re an aspiring investor you are likely knee-deep in research. There are many variables you need to consider, from choosing the best suburb, the type of property and even the type of loan. When it comes to securing an investment loan, you likely have the option to choose between a principal and interest loan or an interest only investment loan, the latter being a common choice for investors. In this blog, we explore the difference between each type of loan and the role they play within your long-term investment strategy. What is the difference between a principal & interest … Read more

What are credit cards

What Are Credit Cards and Should You Get One?

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Credit card, plastic, whatever you call it – the age-old debate of credit cards continues to resurface, especially now with services like Afterpay and Zippay coming into the picture. So, what exactly are credit cards? Are they being edged out to make way for these new services? And are they actually worth getting? Let’s dive down into the world of credit cards to find out whether these plastic rectangles are worth the fuss. What are credit cards? Put simply, credit cards are issued by a financial institution and allow you to borrow funds like you would with a loan. If … Read more

purchase a car

Should You Finance or Purchase a Car Outright?

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So, you’re looking for a new set of wheels. You might be considering whether it’s best to purchase a car outright or if there’s a valid reason to use finance. The answer to that question really comes down to your personal circumstances and your goals for the next few years. In this piece, we’re going to unpack the pros and cons, and hopefully, by the end, you’ll feel more informed to make the best decision for your needs. Things to consider If you’re about to purchase a new car, it’s easy to get caught up in the excitement of choosing … Read more

Fix Your Home Loan Rate

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

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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

Choosing the Right Loan While Self-Employed

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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

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