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Strategies in a Rising Interest Rate Environment

📊📈 Whilst many of our clients are grasping for fixed rates in the current environment, it is important to remember that there are limitations and pitfalls to watch for when fixing your loan.   Fixed loans have a certain rigidity and may limit the amount that you can pay off per annum, and also prohibit the…

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Why Have Vehicle Prices Risen?

You may have noticed that vehicle pricing, new and used, has risen considerably since the onset of covid-19. If you’ve ever wondered why, and when this will change, this may give you an insight…The current issue with the new car market is that supply has tapered off due to the challenges of manufacturing (in the…

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Prudent Policy on Debt to Income Ratio

You may hear some noise in the media around the government’s measures to control mortgage lending (in an effort to slow down the overheating property market, particularly in Sydney and Melbourne). There is sound reasoning behind the need to control the debt to income ratio (which is aiming to be six times annual income to…

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Top 5 Financial Tips for Young Adults

1. Avoid or pay-off car loans as a priority. This is borrowing for a depreciating asset and accelerates the negative equity of your net wealth. 2. Replace your credit card with a debit card. Use your own money instead of the bank’s and avoid the high interest charges. Debit cards also provide greater security if…

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