The recently introduced Stage 3 tax cuts are set to increase the borrowing capacity of many Australians, especially those earning between $45,001 and $200,000 per year. The exact increase will depend on individual circumstances such as income, existing debts and lender policies. However, we can provide some estimates based on current data: ESTIMATED BORROWING CAPACITY […]
The new tax cuts set that have taken effect this month are generating a lot of buzz. But beyond just putting more money in your pocket, these cuts could be a game changer for homeowners looking to reduce the term of their mortgage and lower the amount of interest paid. Here’s how you may leverage […]
As your finance specialist, here’s what we do to guide you through a smooth refinancing transition. One of the great reasons to use our finance services to help with your refinance is because we do this daily as part of our role. We know what to do, what to look for and how to determine […]
While the allure of lower interest rates and reduced monthly payments is enticing, refinancing isn’t a cost free endeavour. It’s crucial to understand the various fees associated with refinancing your home loan. We explain them here. Potential costs to consider: Discharge fees – Think of this as your old lender’s ‘farewell’ gift. This fee covers the administrative […]
What is the gender property gap? At first glance, it may seem like women are doing well in the property market. Overall, women do have a slightly higher rate of property ownership than men. However, when we dig deeper, a different picture emerges. Young women are falling behind Among Gen Z Australians (those under 30), […]
Recent studies, like CoreLogic’s Women and Property report, highlight a stark ownership gap between young Australian men and women. In the Gen Z cohort (those under 30), the disparity is a staggering 24.3%, reflecting systemic issues that make it harder for women to enter the property market. However, various programs, alternative ownership models and tailored […]
As a wise frog once said, “it isn’t easy being green.” For the average person, navigating the plethora of options to adopt greener, more ethical practices can feel like being bombarded with directives to reduce our carbon footprint, embrace zero-waste lifestyles, and minimise our impact on the world. Yet, despite these challenges, the desire among […]
What is ethical lending? Simply put, we can class an ethical lender as one that is not investing in projects or lending to companies that are harmful to the environment, animals or people. For example, ethical lenders steer clear of funding projects involved in fossil fuel extraction or destructive mining practices. Instead, they prioritise investments […]
“Alexa, turn on the lights.” “Hey Google, tell me the news” Commonly heard phrases around the home these days that make our lives much more convenient, but did you know that you can leverage smart tech to make your home more sustainable? Here are some of the Smart tools you can use that can improve energy efficiency, […]
Creating a sustainable home doesn’t have to break the bank. With simple adjustments and mindful choices, you can reduce your environmental impact while saving money in the long run. Here are seven tips to help you make your home more energy-efficient and wallet-friendly: Seal in Savings: Keep your cooled or heated air inside where it […]