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Is the tide turning on the Property market?

 

For the first time in years, the planets seem to be aligning for homebuyers and property investors. Interest rates are falling, property prices largely appear to be stabilising and constraints on bank mortgage lending have been relaxed. 

It’s welcome news for first homebuyers and anyone who has been waiting on the sidelines for a signal that the downturn in house prices could be at or near the bottom in key markets such as Melbourne and Sydney.

As is always the case though with the national housing market, the full story is more than a tale of two cities.

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What tightened lending means for property buyers

Sure, tightened lending means home loans are becoming harder for some to get, but it’s not all bad news for Property Buyers.

That’s because there’s also reduced competition from investors, housing prices are falling, and clearance rates are too, making it much more of a buyer’s market than in years gone by.

So let’s take a look at a few simple steps you can take to improve your chances of obtaining finance in the tighter lending environment. Armed with these tips you could be better equipped to take advantage of the weakened housing market.

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ETF’s vs Managed Funds vs Shares

ETF’s? Managed Funds? Direct Shares? Hybrid Funds? Corporate bonds? What does it all mean? There are a number of investments available to everyday Australians, however trying to figure out what is right for you and your investment goals becomes a challenge if you don’t know all your options. In this article we focus on alternative investments to your traditional options such as cash and Property.

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5 steps to make income tax easier

The EOFY period isn’t really a time most people relish, but it does offer an excellent opportunity to review your income and finances to possibly free up funds for more important and enjoyable pursuits through any credits or tax savings.

Below we’ll show you, in 5 easy steps, how to streamline the income tax return process and possibly free up funds for the more important things in this great Australian life.

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Creating a Side hustle today

A number of clients I see tell me that their wages haven’t increased for some time or their expenses have increased, or they are living week to week with minimal savings and they need to find a way to do better. My answer to this is create a ‘side hustle’.

What is a side hustle you may ask? This is creating a second job or another form of income which allows you the flexibility to continue working in your full-time or regular job. This will allow you to put extra income towards savings, holidays, expenses and lowering your financial worries. 

With a side hustle, you are not just taking a second job as you are more likely to do something you are passionate about, have experience in or don’t have the funds to start without a primary source of income. 

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7 ways to invest in your future

One fact of life is certain, we don’t stay young forever so we must invest in ourselves. As we grow older, everyday tasks can become tiresome; we suffer inevitable aches and pains and often have difficulty remembering things. But the ageing process should be seen as a privilege. We have retirement to look forward to, access to good healthcare and the opportunity to spend more time with the people we love. To ensure we’re able to enjoy a long and happy retirement, it’s important to plan for this future..

Here are 7 ways to plan for what’s ahead:

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