Placeholder Image
money when you need it
Intelligent financial engineering  1300 133 350

Mortgage Advice: It's now time to call your financial engineer.

Over the last year, there have been many changes at all levels in the financial services industry - retail, wholesale, regulation, reporting & compliance.

You already know why it makes sense to use a mortgage broker, but you may not know that my service to you does not end once you get your loan.

Occasionally it's worthwhile having a financial check up to see if there is a cheaper or better way to manage and structure your finances. Let us do the ground work and research for you so that you can relax in the knowledge that your finances are under control and get on with your life with less worry.

Here are some reasons why you might like to call us this month!

1. Getting the "best deal"

Everyone advertises "the best deal". But what they may omit to tell you about are the hidden costs, break out fees and other associated issues when changing lenders or loans. We have access to many lending institutions and will be able to guide you through your decision if you are thinking about your finance options right now. Don't try to do it yourself. Ask us, your trusted finance consultant, to work through this with you.

2. Switching

You may not even need to change lenders to get better finance. Sometimes your current lender has brought out better products since you have taken out your loan. If they have introduced a better product they are not likely to let you know, well why would they? We, on the other hand, work for you – not the bank. So we will always make suggestions in your best interest, not theirs. It may be as simple as a product switch. We can help you with this. Call the office if you're interested in us finding out for you.

3. Credit card / debt consolidation

This time of year usually starts us questioning how we can better manage our debt - especially credit card balances that creep up and never seem to get paid. Often consolidating loans can free up substantial cash. It is common for us to save our clients several hundreds of dollars each month just by consolidating a few credit cards and personal loans. Why not consolidate all of your debts into one loan? Call us to explore your options.

4. Top up that loan!

If you need extra cash, sometimes it's as easy as taking some from the equity in your home. We get disappointed when we hear that our clients "just went to the bank" for that extra $25,000 when we could have helped them ourselves - and usually through more creative options. Once again, even small changes to your finance, like a "top up" or a small personal loan, can have severe consequences if all avenues are not explored and all changes discussed.

5. Invest

Property is a popular path to wealth. Australia currently faces a chronic housing shortage, which coupled with a rapidly expanding population has put upward pressure on rents. An investment plan is important to build wealth and secure your financial freedom. Call us for more information about your potential to invest. Get your loan pre-approved now before you go property shopping.

New regulation of the Australian mortgage broking industry has been designed to give consumers even more confidence in their brokers. You can now think of your broker as being even more of a professional in the same way you think of your accountant, financial planner or solicitor. Brokers build ongoing relationships with their clients and think of your best interests and not those of the bank.

Read the full article on Mortgage Advice - It's now time to call your financial advisor or mortgage broker to take advantage of the many changes in the financial services industry.

It contains some useful ideas your financial engineer can assist your with to ensure your finances and financial strategies are in the the best shape.

5 Reason to call financial advisor

Personal Finance Management - An overview of personal finance issues and how to manage them.

Pproperty Finance: BRIC and Mortar to Boom

Personal Financial Advice: A Mortgage and a Baby

Buying Investment Property: Born Free -Taxed to Death

Financial Analyst: Life Balance not Bank Balance

Investment loans & Articles - Managing your home mortgage and your investments require quite different approaches.

Investment loans & Articles - Managing your home mortgage and your investments require quite different approaches.

Investment Adice: City versus Suburbs

Home Loans Perth: parents helping Kids

ATO payg withholding tax variation for use to reduce the amount of tax your employer deducts from your wages or salary when you own an investment property.

Buying Property Checklist  A very comprehensive checklist to use when buying a property.

Lifestyle Finance Assesment Form to see just how you are tracking and to start your financial strategy.

Equity Finance - Debt versus Equity

Investment Strategy: High fliers or Budget Savvy Investors

Wealth Management - building wealth

Development Finance for property development

An extensive library of Checklists, Forms and Guides can be found in our archive library.

Loans to Lifestyle Home > Resources >  Finance Articles >  Personal Finance Advice: A Mortgage & A Baby
Business Solutions Cash Flow or ATO Tax Debt? Your turnaround solution starts here today.
Placeholder Image
Home Loans & Mortgages When the bank says “NO” - Even with poor credit! Call us for your Low-Doc loan.
Placeholder Image
Farm Loans Safeguard your Farm & Family's Future with our specialist farm loans.
Placeholder Image
Let’s get Social
Personal Finance Home Loans & Mortgages First Home Buyers Fixed or Variable Interest Low Doc Home Loans Home Loan Types Home Equity Loan Home Finance Articles Home Loan Rates Comparison Rates Bad Credit Loans
Business Finance Business Turn-arounds Small Business Finance Car Loans Equipmentr Financing Investment Loans NRAS Wealth Management Financial Review Development Finance
Financial Strategies Financial Analysis Financial Goals Financial Strategy Volatility Finance Options Financial Solutions Reducing Repayments Financial Strategies Equity Finance Commercial Property Investment Property Financial Protection Retirement Planning
Resources Calculators Why Us FAQ's Case Studies Contact Us Privacy Policy Site Map

© Copyright 2012 Loans to Lifestyle All Rights Reserved 81 Smyth Rd, Nedlands WA 6009 Ph: 1300 133 350