Superannuation is generally preserved until you reach your preservation age and meet a condition of release, such as retirement.
There are limited circumstances where early access may be permitted, including severe financial hardship, compassionate grounds or permanent incapacity. These situations are strictly regulated and subject to eligibility criteria.
Because accessing super early can impact your long-term retirement security, it’s important to fully understand the implications before making a decision.
Other FAQs
Financial planning is the process of understanding your current financial position and creating a strategy to help you achieve your short-, medium- and long-term goals. It can cover areas such [...]
Investment portfolios should generally be reviewed at least annually, or whenever there is a significant change in your circumstances. Regular review helps ensure: Your asset allocation remains aligned with your [...]
Depending on your loan, penalty fees could apply if you’re paying off your current mortgage early. But these may be offset by repayment savings when you switch home loans. We’ll [...]
In most cases, no. Lenders generally offer the same interest rates whether you apply directly or through a broker. Our role is to help you compare options, negotiate where appropriate, [...]
Everyone is in a different financial situation. How much we can borrow will vary, because lenders will assess our borrowing power according to our income, expenses, and financial commitments. To [...]
Insurance is not mandatory, but if your financial plan depends on your income or ability to provide for others, having appropriate protection can reduce financial vulnerability. The purpose of insurance [...]
The timeframe for the financial advice process can vary depending on the complexity of your situation and the type of advice you require. In many cases, the process can take [...]
There’s no “perfect” time — but common triggers include buying property, starting a family, changing jobs, receiving an inheritance, planning for retirement, or simply wanting greater clarity and confidence around [...]
Off-the-plan apartments are often pitched heavily at investors due to the tax* benefits that come with depreciation on new properties and rental guarantees. Tax savings will depend on your individual [...]
Your Notices of Assessment are in your MyGov inbox: for step-by-step instructions on how to find them, visit the Australian Government ATO site.
Borrowing capacity for an SMSF commercial property loan is assessed differently to a standard home loan. Lenders will typically consider a range of factors, including: The SMSF's existing balance and [...]
Our guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, so talk to us today.
We’re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances.
The appropriate amount of life insurance depends on your individual circumstances. Factors typically considered include: Outstanding debts (such as a mortgage) Ongoing living expenses Income replacement needs Children’s education costs [...]
Because Financial Advice is personal and no two situations are the same. Fees vary depending on your goals, financial position and the scope/complexity of advice required. You can see our [...]
