Change

Do you have a home loan? What sort is it – fixed rate, variable, line of credit, interest only, principle & interest? Maybe you’re applying for a new loan or an extension to the one you already have?

Here are some tips to keep in mind before accepting the till-death-do-us-part terms & conditions your bank will put in front of you.

Borrow what you should, not what you can

Imagine walking into a hamburger shop, looking at the menu and having an idea of what it will take to satisfy your hunger.…

Recently we have seen quite a few major changes announced by some of the biggest operators in the financial planning profession. It started last year during the Royal Commission with Dover, one of the largest independent operators (with over 400 advisers nationally) dramatically closing their doors, and it seems the trend is accelerating in 2019.

Under pressure from ASIC the Commonwealth Bank has turned off all ongoing advice fees and are now only offering ongoing review advice upon request - and…