Statistics show that Self Managed Superannuation Funds (SMSFs) have a significantly lower participation rate in life insurance and income protection insurance schemes held within the superannuation environment than those in standard super funds. Given that we all need these types of insurance, is this low participation rate something to worry about? How can you ensure [...]
5 Solutions to Home Loan Stress
Home loan stress, or mortgage stress, is a new buzzword in Australia. It’s not just the ordinary type of stress that you feel when it comes to the first of the month and you need to pay the bank again. Mortgage stress is when you are constantly under threat of missing a payment, defaulting on [...]
Life Insurance from 13-21: Your Questions Answered
The teenage years are generally spent believing that you will never die, no matter what happens, than planning for that eventuality. If you can find a teenager that will pay for their own life insurance, I will take them as either a scientific experiment or a good candidate for psychotherapy! However, the teen years can [...]
5 Things to Look for in a Non-Conforming Home Loan
There are thousands of potential home owners across Australia who will need a non-conforming home loan, when they decide the time is right to step off the rental rat wheel. A non-conforming home loan is for borrowers who don’t ‘conform’ to the lender’s usual criteria, and the rules about comparing non-conforming home loans probably don’t [...]
Could YOU Save $70,000 with a Credit Union Home Loan?
Consumer group Choice is well known for ‘keeping the (ahem) companies honest’. They recently claimed that you could save $70,000 over the life of a typical mortgage simply by choosing to take out a home loan with a credit union or non-bank lender, rather than one of the big banks. Today we check out the [...]
Australia’s Top 4 Real Value Life Insurance Policies For Young Professionals
When you’re sorting through life insurance policies, as when you’re making any other major purchasing decision, it can be difficult to sort through the marketing to get to the real benefits of a policy. If you’re a young professional then a family may be looming around the corner….and life insurance will soon be a necessity! [...]
How to Dig Up Dirt Cheap Income Protection Insurance!
Think about it – if you are permanently injured at age 20, income protection could pay 75% of your salary until you turn 65. Therefore, the premiums are usually larger than for some other insurance types … but that doesn’t mean they are unaffordable! Today we check out some ways you can dig up dirt [...]
Home Loan to Value Ratio (LVR) – Your Financial ‘Lever’
Your Loan to Value Ratio simply represents how much you owe on your home loan versus how much your home is worth. Today we check out the ins and outs of this aspect of home loans to help you understand how to use it as a strong financial ‘lever’!
5 Must-Not-Miss Tips for Finding a Home Loan
Your home loan will probably have a greater influence on how you live your life than any other consumer product you have paid for. Here are 10 things that every home loan customer should know, whether you’re a first-timer or an old hand
Aussie Home Loans on the Hot List … But Will They Really ‘Save You’?
Does Aussie’s ‘We’ll Save You’ campaign live up to it’s promise? We pick apart the campaign and its potential benefits to your home loan today.
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