4 TOP TIPS TO PAYING YOUR HOME LOAN OFF FASTER (without increasing your payments) Pay your home loan off faster without increasing your payments? That doesn’t sound right! Well of course paying more off your loan will reduce it but short of asking for a raise or getting a second job, most of us are working off what we receive each payday. These pa...

Want to set your children up for financial success? Start teaching them basic money lessons early on to help them develop good practices to last them into adulthood. As parents, you can set your kids up for success in many ways, one of them is teaching them good money habits. Schools are beginning to bring financial literacy into their curricul...

Money has a way of intertwining with our most cherished relationships, and it can be a delicate topic to broach. During the early days of a romance, the last thing you might want to discuss over a coffee date is debts, credit scores or mortgage repayments. However, as your lives become increasingly entwined, addressing your financial matters with o...

What is an offset account? A home loan is a major financial commitment. This is why it’s a good idea to use products that will help you manage this commitment. Put simply, an offset account is a savings account that ‘offsets’ your loan balance and can help you pay it down quicker. Here's an example: Sarah and Tom have a $400,000 Home Sweet Home l...

Planning Ahead: How to Discuss and Document Your Final Wishes Are you planning ahead and preparing for the future? End-of-life planning is a topic that may seem daunting and many shy away from, but it’s an essential part of life. By discussing and documenting your final wishes, you can ensure that your desires for your life celebration are fulfill...

In this post we’ll look at the steps you can take to creating a personal budget for 2024. Creating and sticking to this will teach you discipline with your money and help you to reach your savings goals sooner. It will also enable you to view your income differently which could see you with a surplus of funds rather than living paycheck-to-paycheck...

The process of buying a home can be stressful, and an auction process can seem quite daunting… but it doesn’t have to be! Auctions are often a common rite of passage to owning your first home, going into it prepared with forethought and strategy can help maximise your chances of success (without having to pay too much). If this is your first home b...

Fixed vs Variable: Pros and cons of fixing your interest rate Are you in the market for a loan but aren’t sure whether to take out a fixed of variable rate? Choosing between fixed and variable interest rates can be complex, especially for first-time borrowers. This blog aims to simplify this decision-making process by providing in-depth insights ...

Are you ready to embark on a journey to one of the most captivating destinations along the south coast? Merimbula, nestled on the Sapphire Coast, is calling your name. In this updated guide, we will take you on a tour of what this charming town has to offer.   Where is Merimbula? Merimbula is situated on the enchanting Sapphire Coast, approximat...