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The Great Aussie Dream
    Own Your Own Home
    For decades now, Australians have had a love affair with property and with good reason. In any given 10 year period, property has constantly shown the greatest regular growth compered to other markets.

    The aim is to shop around for good prices in growth areas near transport and other facilities like a hospital, industry, shops and schools etc.

    Don't be too greedy with your first home. Your parent's home probably wasn't their first so don't expect a mansion right away. Perhaps get something you can easily afford, pay it off quickly then use it as a stepping stone to get the one you really want a little down the track. This way you'll get to know what you really want in a home. The same goes for an investment property. Be practical.

    Be mindful that an unexpected pregnancy can have drastic effects on your ability to repay finances.
It sure beats renting
    Time to Get Serious
    All successful people explore the alternatives, set goals, create a plan of action, then work their plan. Financial experts tell us that to be financially independt we
    must
    clear our debt then create income-producing assets. The best way to create wealth is to waste less in the first place!


    The Key Is "Wastage
    Most homebuyers agree that their number one priority is to "clear the mortgage and other debts" in order to get on with their next project .... family, investment, lifestyle etc.
    Sadly, most have absolutely no idea how to.

    Consider all the different accounts and statements you have in your household. Think of accumulated fees. Are you robbing Peter to pay Paul at times?
    You may be coping but are you getting anywhere?
    How happy are you with the amount your debt has fallen over the past year or so? Can you account for all of your income? For years now the banks have promoted offset accounts, re-draw facilities and fortnightly repayments as their way of helping, but, though better than nothing, these strategies all have their disadvantages.

    Consider this:
    If you normally pay your income into a transaction card or cheque account ready for distribution, you're probably missing out badly. What does this account earn you? It could be earning you as much as mortgage rates.
Less interest means more fun. Its possible!
    Solution
    We can show you how to combine and simplify your finances, teach you money management skills, and show you how to waste less. This combination would seriously reduce your loan term.
    Before proceeding with any loan application, we'll use your income and expense figures to prove to you just how much better off you could be. Remember, the initial overview is absolutely
    free of charge no matter how long it takes. For more information call Russell on (03) 9431 2998 or email us today...you'll never know if you don't ask.

    Click here for Which Loan Suits You?

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