Our Top 5 things to think about before the 31st of March
End Of Financial Year (EOFY) is just around the corner, so start reassessing where you are financially and where you want to be. Here’s five things you can do.
Bring your debts together and pay less
Consolidating debt involves simplifying many little debts into one loan. A single loan means less juggling; account fee savings; and likely, less interest overall. Leave it with me.
Think about those tax deductions
If you’re an investor, include any payments you’ve outlayed on your rental property for repairs or maintenance. You can also claim depreciation or wear and tear on certain items against your taxable income such as buildings.
Prepare for the unexpected
Insurance documents yellowing in a drawer somewhere? It’s time to pull them out and make sure you and your family have the right cover to pay your loan, if something unexpected was to happen (accident, job loss or death). We partner with Insurance Market who is an expert in this area and can help get you the cover you need.
Make sure your loan is working for you
Refinancing means moving from one loan to another and choosing a better way to pay off your loans. If you haven’t looked at your loan for a while, or your financial goals have changed recently, let me know. With access to over 20 lenders, I will look at what else is out there and find the right loan to suit your needs.
Get ahead on your mortgage repayments
If you want to get savvy with your loan, set up a transfer for an extra $25 per week on top of your loan payment to get ahead. You’ll be surprised how much it helps. On an average loan of $400,000 you could look at reducing the overall amount you pay over the life of a 30 year loan by $59,905!* Not bad!
If you have any questions about my tips, let me know. I’m always here to help.
*Calculations are based on a principle and interest loan of $400,000 at 6.00%p.a. rate for 30 years. It may not include all fees and charges and the impact of additional or increased payments.
Empower Your Journey
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Your journey to home ownership is unique, and we’re here to support you every step of the way. Reach out today, and let’s make your home ownership dreams come true.
