Other FAQs
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 [...]
In most cases, we are paid a commission by the lender once your loan settles. This commission is built into the lender’s product pricing and does not increase your interest [...]
You can spend less time saving for a deposit or even not need one at all, so you can get on the property ladder sooner You can borrow up to [...]
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 [...]
Financial planning may assist with: Setting clear financial goals Superannuation strategies Investment planning Personal insurance and risk protection Retirement planning Cash flow and budgeting Estate and legacy considerations Advice is [...]
During the accumulation phase, contributions are made into super and earnings are generally taxed at concessional rates. Once you transition into retirement and commence a pension, income may be drawn [...]
Yes. Eligible SMSFs may be able to purchase residential or commercial investment properties using a compliant borrowing structure known as a Limited Recourse Borrowing Arrangement (LRBA).
To provide tailored financial advice, we’ll need to understand your current financial position, goals, and personal circumstances. This may include information about your income, expenses, assets, liabilities, superannuation, existing investments, [...]
This is one of the most common and important retirement questions. The longevity of your savings depends on several factors, including: How much income you draw each year Investment returns [...]
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 [...]
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 [...]
That’s completely fine. Many clients begin with a borrowing capacity conversation to understand their position before actively searching for a property. An initial discussion can provide clarity and direction, even [...]
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.
Various incentives are still being dangled in front of first-home-buyers, which may add to the appeal of buying off the plan. Concessions vary across Australia and some have been curbed [...]
Not always. Some finance options allow you to borrow the full purchase price, while others may require a deposit depending on the lender, asset type and your financial position.
