Other FAQs
One of the biggest advantages of buying off the plan is time. Unlike traditional property purchases with relatively short windows to round up the total finance, you will have at [...]
Most banks do not allow extra repayments on fixed loans. Some banks allow you to make extra repayments on your fixed home loan of up to $10,000 per account which can be [...]
There’s no single benchmark that applies to everyone. The amount you need in super depends on your lifestyle goals, retirement age, other assets and whether you expect to receive any [...]
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, [...]
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 [...]
An LRBA (Limited Recourse Borrowing Arrangement) is the legal structure used when an SMSF borrows money to purchase property. It helps protect other SMSF assets if the loan defaults.
Possibly — but it depends on your financial position and how sustainable your income will be. Early retirement means your savings need to last longer, and you may not yet [...]
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 [...]
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, [...]
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 [...]
We take care to structure applications thoughtfully. Before submitting any formal application, we assess your borrowing capacity and identify lenders whose criteria align with your situation. This helps avoid unnecessary [...]
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 are a number of fees and costs involved when buying a property. To help avoid any surprises, the list below sets out many of the usual costs: Stamp duty — This [...]
Market downturns are a normal part of investing, but they can feel more confronting once you’re drawing income from your portfolio. A well-designed retirement strategy typically includes: An appropriate investment [...]
