Other FAQs
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 [...]
Many people hold life and TPD insurance automatically through their superannuation fund. While this can be convenient and cost-effective, the cover amounts are often based on default settings rather than [...]
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 [...]
The earlier you begin retirement planning, the more options and flexibility you’re likely to have. Ideally, structured retirement planning should begin at least 5–10 years before you intend to retire. [...]
We have access to a broad panel of 50+ lenders, including major banks, regional lenders and specialist providers. This allows us to compare loan products and lending policies across multiple [...]
This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 [...]
There isn’t a single number that suits everyone. The amount you need depends on your lifestyle expectations, housing situation, health, travel plans and whether you expect to receive any Age [...]
Now is always a great time to shop around or check that you have the right loan for your needs. We’re a great starting point. It will depend on what interest [...]
There is no fixed minimum amount required to begin investing. The right starting point depends on your financial position, cash flow, emergency savings and overall goals. Before investing, it’s generally [...]
Each time you apply for pre-approval this is treated like any other application for credit and will be added to your credit history, regardless of whether you are approved or [...]
Many people accumulate multiple super accounts throughout their working life, which can lead to duplicated fees and unnecessary complexity. Consolidating accounts may reduce fees and simplify management, but it’s important [...]
Diversification means spreading investments across different asset types, industries and geographic regions rather than relying heavily on one area. The purpose of diversification is to reduce the impact of any [...]
Suppose you’re a builder who has only been operating and working for yourself for a year or so — but you’ve been working in the industry since you started an [...]
As financial advisers, we help individuals and families make informed decisions about their money and long-term financial future. This can include guidance around budgeting, cash flow, investments, superannuation, retirement planning, [...]
All investments carry some level of risk, but risk can be managed — not eliminated. Ways to manage risk include: Diversifying across asset classes Avoiding concentration in a single investment [...]
