Your credit score is a crucial financial indicator that lenders use to assess your creditworthiness. A healthy credit score can open doors to better loan terms, lower interest rates and increased financial opportunities. To ensure your credit score remains in good shape, consider this checklist for a credit score health check. Review your credit reportObtain a copy of your credit report from a...

In today’s ever changing environment it is essential to be prepared for the unforeseen while also being ready to seize opportunities when they arise. Firstly, lets aim to understand ‘What is financial resilience?’ Financial resilience refers to the ability to withstand and recover from unexpected financial setbacks while maintaining a steady course towards your goals. It empowers...

The past three years have painted a challenging picture for the car industry, primarily due to external factors. The: •global upheavals, •production slowdowns and •widespread stock shortages have conspired to create prolonged delivery delays for eager new car buyers. Historically, a consumer could walk into a dealership, choose a model and in many instances, drive away with their...

In recent times, many borrowers who initially secured home loans at lower interest rates have been facing challenges in meeting the regulatory requirements necessary to refinance their loans at current market rates. This predicament is primarily attributed to the stringent changes in the serviceability buffer, which has become more stringent since the pre-pandemic era. Understanding the...

Understanding insurance premium funding Insurance premium funding is a financing option that allows businesses to spread the cost of insurance premiums over a designated period. Instead of making a lump sum payment, you can choose to pay your premiums in instalments to ease the strain on your cash flow. This funding solution is especially useful for businesses that face annual or semi annual...

When considering whether to take the plunge and invest in property outside of their family home, many question their ability to save a deposit within a reasonable period of time when they already have the commitment of regular repayments on their home loan. Have you considered that you may not need a deposit? Maybe you are in a better financial position than you think to be able to invest in...

Attention FIRST HOME BUYERS… Have you heard about the First Home Loan Deposit Scheme (FHLDS)¹ to support eligible first home buyers purchase a home faster? If you meet the criteria – You Could be Saving Tens of Thousands of Dollars and be able to buy your dream first home sooner! But you need to ACT FAST! With just a 5% deposit and no lenders’ mortgage insurance (LMI)... you could welcome...

It is only natural that when a policy or agreement expires that we shop around to find the best deal. When our car and home insurance policies expire each year we find ourselves regularly checking to make sure that we are getting the best value for money. Similarly, we might do the same for our mobile phone contract. However because our home loan is generally over a longer period of 25 to 30 years, we...

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