Are you contemplating a mortgage refinance?  You likely understand that refinancing can be a powerful tool for optimising your financial situation. But when is the right time to make that move? Refinancing can provide various benefits, such as lower interest rates, reduced monthly payments, and even the ability to tap into your home's equity for other financial goals. Here are a few key factors to consider when determining the right moment for a mortgage refinance:

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Why Consider Property Investment with Your SMSF? Diversifying your SMSF investments beyond traditional assets like stocks and bonds can be a wise decision. Property investment offers several advantages, such as potential rental income and capital appreciation. Here's a brief overview of the benefits: Tax Efficiency: Rental income and capital gains from property held within an SMSF can be taxed lower, potentially boosting your returns. Portfolio Diversification: Adding a property to your SMSF can help spread

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Australian banks announced big profits over the past several weeks, and have been roundly criticised by many believing the fees charged (including interest rates) are excessive. What is not well known is that banks have passed on only 2.73% of the RBA’s (Reserve Bank of Australia) 4.00% rate increases since early 2022 as at June 2023. This has actually been a cushioning effect for borrowers. Banks have been competing aggressively and on average have not

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There is increasing talk about the type of investing which considers environmental, social impact, and good governance (ESG) factors when making investment decisions. To understand if it is all just hype or whether its an important part of the future of investment let’s explore the topic. What is it? ESG factors can include things like a businesses' carbon emissions, its labour practices, and its board diversity. There are a number of reasons why investors might

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The national Home Value Index (HVI) assembled by CoreLogic has recorded a third consecutive monthly rise. The index captured continued growth in May of 1.2%, helped by low levels of available housing supply as owners continued to hold properties. By comparison, home values for March and April grew 0.6% and 0.5%, respectively. Notwithstanding the high uptick in price recovery, most housing markets across the country were still recording values well below their recent peaks. The

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While it may seem like a distant memory now, two years ago home loan rates were being lowered everywhere. Locking in your mortgage rate was an excellent opportunity for many people. Since then there has been a significant shift in the interest rate landscape, with mortgage rates broadly following the perpendicular path of the official cash rate. As a result, homeowners who fixed a portion of or all of their loan during 2020 or 2021

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