Property
Commercial
Personal
"Many thanks to the Team at Finance and Mortgage Solutions which helped me to secure my bank loan without any fuss."
Energy gets expensive
The energy bill forms the largest part of most household budget's. #energy #Energybill #Budget #Householdbudget #savings
Here are a few pointers on how you can manage it better.
1. Turn off appliances at the wall – don’t leave them on standby.
2. Beat the winter chill by keeping your heater at 20 degrees to save energy.
3. Washing your clothes with cold water can result in some big savings and let the sun dry your washing instead of a dryer
4. Short showers do more than just save water – they save energy, too.
5. Chilled beer as needed, an extra fridge can cost you over $250 a year.
To read more savings tips and to subscribe to our newsletters at www.financeandmortgage.com.au
This is a question that people always ask. It is similar to the egg or chicken - What came first? #buy #rent #homeowner #homeloan #firsthomebuyer#newhome
Renting might seem more appealing with soaring housing prices in Sydney and Melbourne but don't expect it to be cheaper than buying.
While investors have boosted the supply of rental accommodation and reduced the rate of growth of rents, rents are still growing in the two major cities, Housing Industry Association senior economist, Shane Garrett said.
Real Estate Institute of NSW president Malcolm Gunning said in many cases, "mortgage repayments are cheaper than rental".
"Take for example a one-bedroom in inner city Sydney which costs about $700,000. At about a 4 per cent fixed mortgage rate, you pay about $580 a week," he said. But rents in these areas are about $650 to $700.
So its up to you really. It is probably cheaper to buy a home in the long run but you will be tied down with a mortgage for a couple of decades. Talk to Madhu on 0425 341 086 to discuss your options and the deals available.
Changing Roles of a Financial Planner
You can plan your finances using an App these days.
Although technology has eroded some of the reasons for people to seek the help of a financial advisor, it has also created new opportunities for advisors to reach more people. #financialplanner #homeloan #wealthcreation #finance#financialadvisor
Many firms have embraced technology to a degree but have failed to see any
significant rewards. For financial advisors to get the most from their online profile, social media and technology as a whole they need to focus on:
1. Having a predefined ideal client type: Create your online profile and message to appeal to these personas.
2. Focus on providing value in exchange for basic contact information: Such as downloadable guides, webinars, videos, free online consultations. Use social media to share and promote.
3. Develop a re-marketing process: It is vital to continually engage with your contacts that are generated through your offerings, remind them of your firm and the benefits you have to offer them.
Discuss your marketing strategies with Madhu on 0425 341 086 or read more at www.financeandmortgage.com.au.
Have you been considering a way to improve your home, get more money in your wallet, and have something to show off to your judgmental neighbors? You might want to think about investing in solar panels for your house. #renovation#investment #solar #Energybill #energy
Below are just four advantages of having solar panels installed in your home.
1. Reduced Electricity Bill
Installing solar power in your home gives you the freedom to look forward to receiving your next electricity bill, as you know it’s going to look much better than before the solar panels existed. Solar power cuts down your electricity usage significantly. If you’re on a budget, start with one and see what difference it makes.
2. Government Pay Back
State governments offer rebates and other financial incentives to those who install solar panels. Just make sure you do a quick search of local legislation as these pay backs change often.
3. Increase the Value of Your Home
Additions like solar panels can really increase your home’s value. You may not be planning to sell anytime soon, but just listing solar panels as a feature can boost your home as an asset, making it even more valuable in the immediate and longer term.
4. Love Your Environment
One significant advantage to the installation of solar panels in your home is the environmental benefit they bring.
Contact Madhu on 0425 341 086 for more saving tips and smart investments
Our digital devices hold much of our personal data, serving as one of our most valuable assets. Over the years, many of us have formed bad habits that could enable criminals to easily hack into our personal and financial information. #Password #onlinerisk #CyberCrime#OnlineDanger #internet
Here are five online habits that put you at risk of identity theft, plus tips on how to can prevent this from happening.
1. RISK: Using the same password for multiple accounts
First things first: if you’re using the same old password for all your accounts – this needs to change!
– Make passwords hard-to-guess
– Password managers
2. RISK: Online banking via public Wi-Fi
Free Wi-Fi is convenient but some networks are more secure than others. Be wary of the tempting ‘Free Wi-Fi’ hotspot which could have been set up by online criminals to access personal details.
3. RISK: Oversharing on social media
Social media is the new criminal hotspot where hackers can easily access your personal information.
– Check your privacy settings
– Think before you share
4. RISK: Being too liberal with online shopping
Online shopping is the new normal for its simplicity and convenience. But it’s also simple and convenient for cyber criminals to tap into your details online.
5. RISK: Ignoring computer software updates
Those software update pop up notifications may be annoying, but they’re very important. Make it difficult for identity thieves to access your personal information by following these security tips:
– Regularly update your operating system
– Invest in antivirus software
Like us on Facebook for all the latest posts.
A mortgage is most likely the largest investment you will make, so you should regularly assess your home loan and see if refinancing can provide you with additional benefits. #refinance #homeloan #Creditcarddebt #mortgage#interestrate #broker #investment
Refinancing is when you switch your mortgage to another lender. There can be multiple benefits to refinancing.
1. To cash out home equity
Refinancing your home loan can be a great way to access home equity so that you can invest in another property. This is called ‘gearing’. Alternatively, you can use your equity to renovate, for home improvements or any other worthwhile purpose.
2. To consolidate debt
Rather than carrying personal loans or credit card debts at high rates, you should consider consolidating them into your home loan so you can pay off your debt at the lower rate. This enables you to pay the debt off faster and potentially save thousands of dollars in interest payments providing you maintain you repayments at current levels.
Madhu and her team can help refinance your home. Discuss on 0425 341 086.
#savings #Smart #budget #Finance #SavingTips
Skip One $20 Purchase a Week
Your daily cups of coffee, that after-work happy hour and the magazines and bottled waters you pick up from the newsstand every week can all easily add up to $20 or more—and fast.
You’re spending your money on the “nice to haves,” as opposed to the “must-haves.” Eliminating these types of small expenses probably won’t require a major change to your lifestyle—but that $80 a month you’re putting into your savings account could have a big impact.
Slash a Big Monthly Spending Category by 10%
Ferret out a budget category that you feel could use a trim and try to shave just 10% from it. Maybe that means cutting a few work lunches a month from your food budget, or skipping a few movies to trim your entertainment costs.
Talk to me on 0425 341 086 to discuss a savings plan that suits you. Subscribe to our newsletter at www.financeandmortgage.com.au.
With the entrepreneurial spirit taking off over the last few years, more and more people are setting up shop from home. If you’re after the flexibility of a career from home this New Year but don’t know where to start, check out some of the great ideas below. #WorkFromHome #PartTimeJobs #EarnMore#OwnBusiness #NewYear #Entrepreneur
1) Get Writing
Great content is always in high demand, and as content is often not needed 9–5, five days a week, many companies prefer to hire freelancers specifically during their high-demand periods. Look for blogging or freelancer sites to find out what the contract or hourly rates are. Do you love to travel and want to share your knowledge? Start Blogging and earn your next holiday.
3) Cooking & Baking
Yes, that’s right; you can cater to specific tastes and cuisines. With more and more couples working longer hours, the demand for home cooked food is on the rise. Home cooked food is perceived as a healthier alternative to eating out. You can also try Ironing clothes or clothes alterations.
4) Mystery Shopping
There are plenty of organizations that will pay you for your opinion. Get paid in shopping coupons or have money credited into your account. Get paid for shopping or even eating out! Talk about having a cake and eating it too!
5) Rent a Room
If you have the space, a great way to make money from home is to let it be someone else’s home too—not permanently of course! Airbnb has caused a tourism revolution- with people all over the world opening their homes and spare bedrooms as affordable accommodation. If you’re going to do it though, do it properly. The best way to do this is by achieving glowing references from guests.
Read other ideas on Facebook.
1) Max out your Super contributions and take advantage of the annual limits #Planning #MoneyMatters #HomeLoan#20172018
2) Dump do-nothing credit cards in favor of New Year specials like 0% interest rates, travel points and cash back opportunities. #CreditCard #NewYear #2018
3) Be prepared for whatever: Set aside one month’s salary for emergencies.
4) Reward yourself: Use the credit card points you’re racking up to buy something just for you.
5) Partner up: An experienced Financial Planner can do wonders for your finances. Making good decisions all year long is easier with the right planner.
Contact Madhu on 0425 341 086 or loans@financeandmortgage.com.au to plan your finances in the coming new year.
We all know that we should spend less and save more. Sometimes it is nor easy to save $50 or $100 every week. Here are a few ways to save by just rethinking a few everyday chores. #Energy #Energybills #Savings #money#budget
1) TURN OFF THE LIGHTS: I can't say this enough. Just turn off the various electronic devices when not in use. How many mobile chargers are left on even when your phones are unplugged. It is a slow drain of electricity,. Save money on your energy bills and save the environment.
2) Plan your meals around your grocery store’s flyer: Instead of creating your meal plan out of thin air, plan all your meals around what’s on sale in your grocery store’s flyer. Look at the biggest sales, then plan recipes based on those ingredients and what you have on hand.
3) Remove your credit card numbers from your online accounts: It’s easy to spend online when you have your card information stored in an account – just click and buy. The best way to break this habit is to simply delete your card from the account. This way you’ll be forced to spend the time to dig out your card – and really think about why you’re spending this money.
These are a few easy everyday tips. Talk to Madhu on 0425 341 086 for more easy savings tips and for financial planning advice.
