Current Property Owners

If you currently own property you may be in the lucky position and own it outright, however if you're like most of Australians, you own one or more properties but still have a mortgage.

If you're lucky enough to own your property outright, and are interested in using your equity to fund investments - whether they be shares or property etc, take a look in the investment section for advice on financial products that may suit your needs.

Have you taken the time to look at your financial situation and how well your home loan is working for you, or more importantly how much better it could be?

Everyone generally has unique needs when it comes to choosing a financial product. Likewise there are so many financial products in the marketplace today. The key to all of this is finding the products that work for you, not just the banks and lenders. We all work hard for our money, so maximising it use and reducing the amount of income lost simply in interest alone should be the goal. Pay less in interest and reduce the principle owing faster. It sounds simple, yet many people still could be in a better financial situation if they had the correct advice. This is what we aim to assist you with.

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Recent figures show the high levels of credit card debt in Australia. Many of the people caught in this cycle are also paying off their mortgages. It's important to look at all the money we owe people, banks and credit unions - and place the applicable costs and interest on each one.

If you're in a situation where you have several debts, or even just a credit card debt, and the interest rate is higher than that of your home loan, then it may be worth while looking into refinancing your mortgage to eliminate these debts and free up your income.

When looking at refinancing your mortgage, work out the approximate amount of equity in your home, then look at loan products that meet these requirements. There are generally fees and charges relating to refinancing your mortgage, however many people find that when compared to even paying the monthly minimum payments on their debts - refinancing is a wise financial decision.