Pay off your home loan faster

Pay off your home loan faster Reducing the life of your loan isn’t difficult; there are many simple things you can do to cut years off your mortgage. Here are some tips that will help you be mortgage-free sooner than planned. Small extra repayments One of the most obvious ways to pay off your home […]

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When did you last think about your mortgage?

We are generally apathetic about our mortgage – what is the current interest rate, are there any fees and what, if any, benefits are available. However, we would always recommend being more active and in particular understand the strategies that could help you pay off your home loan sooner. If you have built up some […]

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CAFSG – Quarterly Newsletter – December 2014

Welcome to CA’s Quarterly Newsletter It seems like a short time ago we were writing last year’s Christmas Newsletter and here we are again. It has been another great year for CA, made extra rewarding by the knowledge that we’ve made a positive difference in the lives of our wonderful clients. Thank you yet again […]

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CAFSG – Quarterly Newsletter – September 2014

Welcome to CA’s Quarterly Newsletter In this quarter’s newsletter we focus on important changes to deeming rules that may affect retirees eligibility to claim social security benefits. While this change applies to a specific demographic, we feel it’s important to communicate widely as we have found that many of our clients have parents or friends […]

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All you need to know about purchasing your first home

Buying your first property is a real achievement. We don’t want to take the shine off this exciting time but a property purchase can also be quite stressful. Not only because there’s so much money involved, but because there are so many things to think about. For those who are considering pursuing the great Australian […]

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The RBA is still not there yet – expect more cuts

This note looks at the decision by the Reserve Bank of Australia (RBA) to cut the official cash rate to its 2009 GFC low of 3%. Key points: While the RBA has cut the official cash rate back to its post GFC record low of 3%, overall policy settings are nowhere near as stimulatory as […]

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Have shares lost their appeal for long term investors?

Key points: While rolling ten year periods occasionally see shares underperform bonds and cash, this is rarely the case over 20 year periods, and has never been the case over 40 year periods. The high returns from cash and bonds over the past 30 years or so won’t be repeated as starting point yields are […]

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Market outlook after a rough financial year

Key points: Worries about the global growth outlook weighed on share market returns over the last financial year. Australian shares additionally suffered under the impact of high interest rates, the strong Australian dollar (A$) and concerns about China. While the macroeconomic environment will remain one of constrained and volatile returns, a lot of bad news […]

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Australian house prices – is the crash upon us?

Key points: Australian housing is still overvalued, leaving it, banks and the broader economy somewhat vulnerable. Undersupply provides some support but the two key threats are a Chinese hard landing and selling by investors. The most likely scenario is many years of range bound house prices around a flat trend in real terms. Right now […]

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Why should you use a Financial Planner over a Mortgage Broker?

Because they can save you time and money! As the Australian Home Loan market becomes increasingly competitive and complex, more people are turning to Financial Planners and Mortgage brokers for advice and assistance than ever before.

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