Other FAQs
No, if your financial situation changes after you have received pre-approval, your situation will need to be reassessed. This could be because you have changed jobs, had changes to your [...]
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 [...]
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 [...]
It’s natural to wonder whether markets are at the “right” level before investing. However, consistently trying to time market highs and lows is difficult — even for experienced investors. A [...]
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 [...]
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 [...]
Yes. A home loan is just one part of your overall financial picture. Financial planning helps ensure your property decisions align with your broader goals, including wealth creation, retirement, risk [...]
Once you’ve paid off the second smaller loan, you can apply to remove the guarantee. This means your guarantor will only be liable for as long as it takes you [...]
Yes. Self-employed borrowers often require more detailed income assessment, and lender policies can vary significantly in this area. We help identify lenders whose criteria align with your business structure and [...]
Retirement planning advice is tailored to your circumstances, so fees depend on the complexity of your situation and the scope of advice required. Factors that can influence the cost include: [...]
SMSF lending is significantly more complex than standard residential or commercial finance. A specialist SMSF mortgage broker can help you understand lender requirements, compare available loan options, coordinate with your [...]
Salary sacrificing can be an effective way to build retirement savings tax-efficiently, particularly for higher income earners. Concessional contributions are generally taxed at a lower rate than many personal marginal [...]
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 [...]
Approval timeframes can vary, but many asset and vehicle finance applications can be processed relatively quickly, sometimes within a few days. More complex commercial applications may take longer depending on [...]
Shares and property can both play a role in a diversified wealth strategy, but they serve different purposes and carry different risks. Shares and managed investments typically offer: Liquidity (easier [...]
