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First home owners and downsizers are the winners in the Budget – Note: These changes are proposals only and may or may not be made law. Here’s a quick summary of how it impacts our housing market. Please let us know if…
With home loan rates changing constantly in the market and our low interest rate environment, there’s an opportunity for you to save money on your home loan and invest it or spend it on what you really want. Many of…
If you have at least 20% equity in your home you can invest in property to build your financial freedom and most likely you need to start now? It’s more achievable than you think. ASFA has estimated the annual cost…
Offset accounts and redraw facilities work in similar ways as they both allow you to reduce the balance of your home loan therefore reducing the interest charged by applying extra money to your debt. Deciding between an offset account and…
At its meeting today, the RBA decided to leave the cash rate at 3.0% which is the rate it has been since 5 December 2012. • Global growth is forecast to be a little below average for a time, but…
The RBA kept the cash rate at 3.5% in September. The rate has been the same since June 2011 and the last time they were below this was in 2009. Reading the minutes from the 18 September 2012 RBA meeting,…
So many choices, which way to Go! Make sure you get the right loan the first time – it’s a huge consideration when it comes to saving money. You need to make sure your loan is best suited to your…
Another tax change that may affect you and your family. From 1 July 2012, the concessional contributions limit for all individuals, regardless of age or superannuation balance, will be $25,000 per annum. If you have a self managed super fund…
You may know that from 1 July 2012, income testing will apply to the Govt Rebate on private health insurance. Currently, most people receive a 30% rebate on premiums. If you expect to earn more than $84,000 (single) or $168,000…
ANZ have passed on the full interest rate cut announced by the RBA on 5 June 2012. Their variable home loan rate from 15 June is 6.8% the lowest of the big banks.
