nsurance should generally be reviewed when:
- You take on new debt
- Your income increases
- You start a family
- Your employment situation changes
- You approach retirement
Even without major life changes, periodic review ensures your cover remains aligned with your financial plan and current legislation.
Other FAQs
Yes. Financial planners are required to adhere to strict privacy and confidentiality obligations. Your personal and financial information is handled securely and used only for the purpose of providing advice.
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 [...]
If you’re self-employed and want to apply for a home loan, you will need to provide evidence of your business’ financial position. In addition to the regular personal financial information [...]
For most lenders a pre-approval is valid for 90 days, but it can often be extended by resupplying your income and expense information to your lender.
Yes. Eligible Self Managed Super Funds (SMSFs) can purchase qualifying commercial property, either outright using available fund assets or through a Limited Recourse Borrowing Arrangement (LRBA), subject to superannuation and [...]
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 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 [...]
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 [...]
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 [...]
nsurance should generally be reviewed when: You take on new debt Your income increases You start a family Your employment situation changes You approach retirement Even without major life changes, [...]
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 [...]
Deposit requirements vary between lenders and depend on factors such as the property's location, use, value, and the overall strength of the SMSF. In most cases, SMSF borrowers should expect [...]
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 [...]
Financial advice can have a mix of both one off and ongoing fees depending on the types of advice provided, for a better understanding see our fee table here.
Usually you are unable to access an offset account with a fixed home loan; however, there are a couple of lenders we have access to that do offer this feature.
