If you dream of a new home but have nightmares at the thought of building one, an off-the-plan purchase may be the perfect compromise. Although you will not get to design everything as you would with a custom-built home, most off-the-plan developments allow some customisation of finishes and fixtures. Make sure your contract outlines what you can tailor and that you are clear on any additional costs.
Other FAQs
A Limited Recourse Borrowing Arrangement (LRBA) is a specialised borrowing structure used by eligible SMSFs to acquire certain assets, including qualifying commercial property. Under an LRBA, the lender's security is [...]
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 [...]
A wide range of assets can be financed, including: Cars, utes and vans Trucks and commercial vehicles Machinery and equipment Office or specialised business equipment If you're unsure whether something [...]
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: [...]
Yes, refinancing may be available for eligible SMSF loans. Common reasons for refinancing include securing a more competitive interest rate, restructuring an existing loan, improving cash flow, or aligning the [...]
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 [...]
Yes, many lenders offer finance solutions specifically for businesses, including sole traders, partnerships and companies. The structure of the loan will depend on factors such as your business financials, trading [...]
The general appeal of a fixed rate is the rate of interest paid on a loan doesn’t change for a set period. That means when the lender puts its 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 [...]
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 [...]
If you’re having a hard time saving for your first home, your family can help you with a cash gift to put towards your deposit A gifted deposit home loan [...]
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 [...]
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 [...]
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. [...]
The tax treatment of premiums depends on the type of cover and how it is structured. For example: Income protection premiums are often tax deductible when held outside superannuation. Life, [...]
