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25.01.2022 Looking to invest in property or land? If you are wanting to grow your wealth, buying property or land is a great way to start. Whether you decide to purchase a residential or commercial property, both are solid options that can provide consistent returns for your money. Each of the below property types has its unique benefits and considerations that you should keep in mind when deciding where to invest your money.... Residential Property Residential property is the most straightforward form of property investment and perhaps the best to start out with if you do not have prior property investment experience. Residential property can provide consistent income through stable rent payments with potential for fast market growth. The stable rental yields are great for helping you make loan repayments and increase your overall cash flow. Commercial Property Commercial property is any form of property that can be used for business operations such as offices, factories and retail stores. The benefit of commercial property is that you can expect a much higher rental return compared to other property types and you can also expect much longer leases than residential property. The difficulty for commercial property is replacing or adding new tenants. The other benefit is more of the responsibility falls on a tenant’s shoulders in commercial property, building rates such as council fees and water bills are usually paid by tenants. Vacant Land Purchasing land can definitely bring you strong returns on investment but needs to be done carefully as it is probably the riskiest investment option. There are a number of variables that pose a great risk when you purchase land such as zoning, access to utilities and environmental issues. The main disadvantage of buying land is that there is no rental income unless you purchase a farm, so expect to wait a while before seeing your money grow from vacant land. Buying property is a wonderful way to grow your money and increase your overall cash flow. If you are interested in investing in property, please get in touch. 0490 809 734 | [email protected] | acedfinance.com

24.01.2022 With interest rates at all time lows, it's fantastic if you've got a loan. However, it's not so fantastic if you've got savings (earning next to nothing at the moment). If you're after better returns than the banks are offering, consider having a look at Plenti. As at the time of posting, Plenti's Last Matched Rates for Investments were:... 1 Month Rolling - 3.2%pa 3 Year Income - 5.2%pa 5 Year Income - 6.5%pa Investments are also protected by a provision fund. For more information, please visit the link below. DISCLAIMER: This is not a product recommendation. The information contained above should not be taken as financial product advice and has been prepared as general information only, without consideration for your particular investment objectives, financial circumstances or needs. You should read the Product Disclosure Statement and consider your own investment objectives, financial circumstances or needs before making any investment decision.

24.01.2022 Adding Value Through Renovation Whether you're thinking of adding a pool for the summer heat or updating your bathroom, renovation can add both monetary and practical value to your home. However, that value also comes at a price and can be costly so speaking to a broker about your finance options will make funding your renovation painless and stress-free. Home Equity... Using home equity to pay for your renovation is a great option. There are also a number of ways you can use it as finance for your renovation. If your current home loan has a redraw facility, then you can withdraw any extra payments you have made and use that towards the renovation cost. Another possibility is extending the length of your existing loan to fund the desired work. Refinancing Your Home Loan With the cash rate in Australia now sitting at a historic low of 0.25%, you could refinance to a new home loan that better fits your renovation requirements and even has a better interest rate. This may mean refinancing to a line of credit loan or construction loan. Line of Credit Loan A line of credit loan is a great option to consider for those wanting to renovate their home. Rather than receiving one big lump sum immediately like standard home loans, you draw money as it is needed. You only pay interest on the funds you end up using, which is great for renovation as you never know exactly how much it is going to cost until it is completed. If you would like more information on financing home renovations, please get in touch. 0490 809 734 | [email protected] | acedfinance.com

23.01.2022 Finance Options for Home Renovations The costs of any renovation project, large or small, can significantly add up. Finding funding for your home renovation in advance can help you prepare and budget for how much renovation you can afford to do. There are numerous ways that you can finance your renovation, depending on the size of your project and your budget. 1. Home Equity Loan... A home equity loan is the most common way individuals borrow money for home renovations. Equity is the difference between the valuation of your house and the amount you may currently owe on a loan. With this type of loan, you borrow against the current value of your home, before any value adding renovations. Usually you're able to borrow up to 80% of your home, especially if you own your home outright. 2. Construction Loan Designed for those planning to build or complete major renovations in their home. With this type of loan, you receive your loan instalments as you require, allowing you to cover expenses as they occur. 3. Line of Credit A popular option for renovators, this method establishes a revolving line of credit that allows you to access the approved amount whenever you're required. Interest is only paid on balance owed, rather than total amount borrowed. You're able to pay off the funds and re-borrow as required without needing to re-apply for further amounts. 4. Personal Loan If you're only planning to make a couple of small adjustments to your house, a personal loan (usually capped around $30,000), may be suitable. However, interest rates on personal loans are higher than home equity loans but lower interest rates compared to credit cards. When choosing between the different funding options available, it pays to enlist the help of a finance specialist who can explain and find the most suitable option for your project and situation. If you would like to learn more about financing renovations, please get in touch with us today: 0490 809 734 | [email protected]

23.01.2022 Cash rate remains unchanged! The Reserve Bank of Australia (RBA) has decided to leave the cash rate unchanged at 0.10 per cent. As mentioned in Governor Philip Lowe’s official statement, In Australia, the economic recovery is under way and recent data have generally been better than expected. This is good news, but the recovery is still expected to be uneven and drawn out and it remains dependent on significant policy support.... For its part, the Board will not increase the cash rate until actual inflation is sustainably within the 2 to 3 per cent target range. For this to occur, wages growth will have to be materially higher than it is currently. This will require significant gains in employment and a return to a tight labour market. Given the outlook, the Board is not expecting to increase the cash rate for at least 3 years. What does this all mean? Essentially, the RBA is committed to keep funding costs low, meaning now is the time to get a better deal on your existing or future loan. Get in touch today to see if you can benefit from this unprecedented low cash rate! Ash Gardner - 0490 809 734 | [email protected]

22.01.2022 How good is this view!?! #SurfersParadiseOffice

22.01.2022 Hi All, With all that is going on in the world, the uncertainty around COVID-19 and the ever-evolving economical climate we're living in, now is an ideal time to conduct a health check on your finances, and potentially relieve some serious pressure on your budget. As a Lending Specialist & Financial Coach, I am perfectly placed to assist you in this regard. If you have any existing loans, I would highly recommend reviewing these ASAP to see if there is a better deal availabl...e. I can inform you that Interest Rates are at record lows and there are some fantastic (years ago I would've called these ludicrous) rates being offered on Mortgages & Finance for most purposes (see below). If you are keen to take up my offer of a complimentary review of your current loans, I will be able to determine if there's a better deal for you from either your existing bank, or an alternate lender, with the aim to save you as much money as possible. I'm here to assist you through these trying times, so please don't hesitate to get in touch. I look forward to hearing from you. Best Regards, Ash Gardner - Lending Specialist & Financial Coach 0490 809 734 | [email protected] | acedfinance.com

21.01.2022 How we can help you Consolidate Debt? Debt consolidation is the process of combining a number of different debts into a single loan, in order to help improve your overall finances and better manage your repayments. It may be a good choice for individuals who are struggling managing repayments for several debts or if you want to reduce monthly payments and lock in a lower interest rate. A mortgage broker can help you analyse your current financial situation and how debt consol...idation can improve your situation. There are a number of options available to consolidate all your debt. Refinancing Home Loan One option to consider when deciding to consolidate your debts is refinancing your home loans. Interest rates for home loans tend to be lower than other types of debts. Refinancing your home loan to include other debts, could mean a reduction in your overall monthly repayments. Personal Loan A personal loan may be useful for individuals who have multiple debts with high interest rates such as credit cards and other loans. Consolidating many debts into one may provide you with a lower interest rate and/or repayments, making it easier for you to manage your finances. With only one repayment to account for each month, it allows you to budget easier and gives you a clear date for when all the debt is able to be paid off by. Credit Card Balance Transfers A credit card balance transfer involves transferring the balance of one or more existing credit cards into a new one, usually in favour of a lower interest rate on the full balance. This could make it easier to budget and pay off in the long term. When searching, look for a card that still meets all your financial needs while still having a low rate. It's a good idea to consider the revert rate that will apply to any existing balance once the low rate expires. When in doubt, get in touch and let us help you research the most suitable options for your current situation. If you would like to learn more about debt consolidation please get in touch with us today: 0490 809 734 | [email protected]

21.01.2022 Don’t you just love it when someone delivers you a new company car to your designated parking space? Sadly though, they forgot to leave us the keys - Quite rude I thought! If they needed finance , they could’ve just called!

21.01.2022 Is now the right time to refinance your mortgage? If you're having trouble making the payments on your home loan or your financial situation has recently changed, it might be time to refinance your mortgage. Looking at today's market, a large number of home loans now start with a 2, so refinancing might be the right option. ... Have you weighed up all your options? Due to the low interest rates on the market today, refinancing is a strong possibility for those who need it, but that doesn't mean it's necessarily the right choice . The Australian Securities and Investments Commission emphasizes that it's important for consumers to consider other options before refinancing, as it isn't guaranteed to benefit them in the long run. Savvy consumers know it's important to talk with mortgage specialists and make sure the mortgage repayments being asked of them are reasonable, not just now but in the long haul. A mortgage is a big commitment, so giving it its due diligence is key. How we can help you If you decide that refinancing your mortgage is the right decision, we have the resources to help you get set up. With over 100 lenders at our fingertips, we are confident we can find the ideal loan for you. If you are interested in refinancing your property, please get in touch: acedfinance.com | 0490 809 734 | [email protected]

19.01.2022 QUOTE OF THE DAY: Love people and use money; Not love money and use people.

18.01.2022 HomeBuilder Grant Extended! Read more about the grant extension (including time frames and changes to amounts) here: https://treasury.gov.au/coronavirus/homebuilder

17.01.2022 Owner-Occupied versus Investment Loans. When you buy a home, whether it is classified as owner-occupied or investment depends on your intentions behind buying the property. If you are planning to sell the property for a profit on what you originally bought it for or rent it out, then it would be an investment property. If you were planning to live in the home you bought, then it would be an owner-occupied home loan. It’s straightforward but each classification has important i...mplications for applying for your home loan. Each type of home loan has varying level of interest rates with investment loans usually being the more expensive of the two. Additionally, investment loans also have higher closing costs and ongoing fees. So overall, they tend to be the more expensive home loan choice. Banks are becoming more reluctant with approving investment loans, so the requirements are often stricter when applying for one. The most important thing is to be able to show you have enough funds set aside to pay off the mortgage. How much you’ll need depends on a few factors such as the number of repayments, the amount you’ll receive from rent, your debt to income ratio and the potential appreciation of your property. Because of the increased expenses and requirements with applying for an investment loan, it can be tempting to try and get an owner-occupier loan even if you aren’t planning to live in the property. Unfortunately, because of the higher risk involved for the lender, credit assessors are well trained to determine if you’re committing occupancy fraud, so it’s not worth the risk. It’s important to understand what your intentions are when you purchase a home, so you know which loan to apply for and the differences between the two. If you would like more information on home loans, please get in touch: 0490 809 734 | [email protected] | acedfinance.com

16.01.2022 Should You Consolidate Your Debt? Debt consolidation involves rolling all of your debts such as home loans, credit card bills and personal loans into a single, combined low interest payment. It allows you to reduce your overall debt and arrange it so that it is easier to manage. The answer to whether you should consolidate your debt or not is dependent on you and your financial situation. Let's explore some of the factors you should take into consideration. Benefits of De...bt Consolidation Debt consolidation is at its most effective when there are many high interest loans that can be consolidated into a loan with a lower interest rate. You simplify the process of paying off multiple loans and you also save money by turning a 20% interest rate loan into a 10% consolidated loan. Debt consolidation will mean keeping track of one monthly repayment instead of several at once. It will also provide you the opportunity to refinance high interest rate debts into a loan with a much lower interest rate. Consolidation is also useful for reducing your overall monthly repayments as consolidating a shorter term loan into a longer one will reduce the amount you need to pay each month. Problems with Debt Consolidation If done incorrectly debt consolidation can actually result in putting you into more debt. While stretching out short term, high interest rate loans with debt consolidation will lower your repayments, you can potentially pay more in total debt and interest in the long run than if you didn't consolidate. Therefore, if you do consolidate it is important to pay off your consolidated debt as soon as possible in order to maximize the potential savings. Debt consolidation is a useful option to consider for anyone managing their loans but one that should be carefully considered. If you would like to learn more about debt consolidation please get in touch with us today: 0490 809 734 | [email protected]

15.01.2022 Cash rate remains unchanged! The Reserve Bank of Australia (RBA) has decided to leave the cash rate unchanged at 0.10 per cent. As mentioned in Governor Philip Lowe’s official statement, In Australia, the economic recovery is under way and recent data have generally been better than expected. This is good news, but the recovery is still expected to be uneven and drawn out and it remains dependent on significant policy support.... For its part, the Board will not increase the cash rate until actual inflation is sustainably within the 2 to 3 per cent target range. For this to occur, wages growth will have to be materially higher than it is currently. This will require significant gains in employment and a return to a tight labour market. Given the outlook, the Board is not expecting to increase the cash rate for at least 3 years. What does this all mean? Essentially, the RBA is committed to keep funding costs low, meaning now is the time to get a better deal on your existing or future loan. Get in touch today to see if you can benefit from this unprecedented low cash rate! Ash Gardner - 0490 809 734 | [email protected]

12.01.2022 MY 2 CENTS WORTH - HomeBuilder Scheme: A brilliant initiative announced by the Federal Government to stimulate the building industry during COVID to create/retain jobs, which has been completely botched by the State Governments (State Revenue/Land Titles Offices) in the implementation/administration phase. Firstly, for a limited time scheme announced prior to and commencing on June 4 (and ending December 31), it took the States weeks/months to announce how you could actually ...apply for it and how it was going to be administered. Secondly, to only be paid at slab stage of construction means that (as at today) it cannot be used towards the deposit on a new property. So in effect, the only people who can actually access it (with a few exceptions) are people that already have that $25k, and thus don’t actually need the $25k HomeBuilder grant to build a house (it’s just a bonus). So ... most of the people making use of the HomeBuilder Scheme and building new houses are the ones who could already afford to do it prior to the grant being announced, so the grant doesn’t really stimulate the building industry much at all as most of the people who want to use the grant (towards a deposit on a new home) can’t! As I said, complete botch job. If it were administered the same as the First Home Owners Grant (paid to lender at land settlement), we wouldn’t have a problem and there would be heaps more new builds (actually achieving the federal government’s original desired result).

11.01.2022 HomeBuilder Grant Extended! Read more about the grant extension (including time frames and changes to amounts) here: https://treasury.gov.au/coronavirus/homebuilder

11.01.2022 MY 2 CENTS WORTH - HomeBuilder Scheme: A brilliant initiative announced by the Federal Government to stimulate the building industry during COVID to create/retain jobs, which has been completely botched by the State Governments (State Revenue/Land Titles Offices) in the implementation/administration phase. Firstly, for a limited time scheme announced prior to and commencing on June 4 (and ending December 31), it took the States weeks/months to announce how you could actually ...apply for it and how it was going to be administered. Secondly, to only be paid at slab stage of construction means that (as at today) it cannot be used towards the deposit on a new property. So in effect, the only people who can actually access it (with a few exceptions) are people that already have that $25k, and thus don’t actually need the $25k HomeBuilder grant to build a house (it’s just a bonus). So ... most of the people making use of the HomeBuilder Scheme and building new houses are the ones who could already afford to do it prior to the grant being announced, so the grant doesn’t really stimulate the building industry much at all as most of the people who want to use the grant (towards a deposit on a new home) can’t! As I said, complete botch job. If it were administered the same as the First Home Owners Grant (paid to lender at land settlement), we wouldn’t have a problem and there would be heaps more new builds (actually achieving the federal government’s original desired result).

10.01.2022 To further support customers who suffered a loss of income or employment due to COVID-19, the Australian Banking Association has recently announced its member banks will be making available to customers an additional 4 month payment pause extension where required. This is intended to assist customers who have paused their repayments and require more time, where they are unable to start repaying all or a portion of their usual repayments. Banks will continue to work with thes...e customers to find an option that suits their circumstances, which may include extending the term of the home loan, consolidating their debts or providing them with up to an additional four month payment pause once the original six months has ended (total of up to 10 months). Other options may be available, and a financial assessment may also be required. Please contact your Bank or broker to discuss. Please also note, if you are able and wish to start making full or partial repayments before the expiry of the payment pause period, you should contact your bank/broker to arrange.

09.01.2022 Finance Options for Home Renovations The costs of any renovation project, large or small, can significantly add up. Finding funding for your home renovation in advance can help you prepare and budget for how much renovation you can afford to do. There are numerous ways that you can finance your renovation, depending on the size of your project and your budget. 1. Home Equity Loan... A home equity loan is the most common way individuals borrow money for home renovations. Equity is the difference between the valuation of your house and the amount you may currently owe on a loan. With this type of loan, you borrow against the current value of your home, before any value adding renovations. Usually you're able to borrow up to 80% of your home, especially if you own your home outright. 2. Construction Loan Designed for those planning to build or complete major renovations in their home. With this type of loan, you receive your loan instalments as you require, allowing you to cover expenses as they occur. 3. Line of Credit A popular option for renovators, this method establishes a revolving line of credit that allows you to access the approved amount whenever you're required. Interest is only paid on balance owed, rather than total amount borrowed. You're able to pay off the funds and re-borrow as required without needing to re-apply for further amounts. 4. Personal Loan If you're only planning to make a couple of small adjustments to your house, a personal loan (usually capped around $30,000), may be suitable. However, interest rates on personal loans are higher than home equity loans but lower interest rates compared to credit cards. When choosing between the different funding options available, it pays to enlist the help of a finance specialist who can explain and find the most suitable option for your project and situation. If you would like to learn more about financing renovations, please get in touch with us today: 0490 809 734 | [email protected]

08.01.2022 The Queensland Government has finally released the specifics around payment of the $25K HomeBuilder scheme. Key points to note below. It will be paid: - To the client directly (not the lender) - After the base stage claim for a build... - After completion for an off-the-plan purchase (must show you are the owner) - After spending the first $150K on a renovation Full details available at: http://www.qld.gov.au//financial-help/homebuilder/building

06.01.2022 RBA leaves cash rate on hold. With current interest rates at record lows, now is as good a time as any to consider your buying or refinancing options. Get in touch today for a free Home Loan Comparison Report or a chat about your situation. 0490 809 734 | [email protected] | acedfinance.com

05.01.2022 Wooohooo! First settlement of the year completed and many more in the pipeline to come

04.01.2022 ATTENTION HOME BUYERS: If you’re looking to purchase a property shortly, make sure you have an adequate finance clause in your contract/offer. With all that’s going on in the world, some lender’s turnarounds have blown out (some are taking weeks to even pick up an application for first look). We’d recommend at least a 21 days Finance Clause, to save everyone undue stress. That being said, we also have some fantastic lenders offering lightning quick approvals.

02.01.2022 And we've reached the Double Century (200+ Page Likes)! Thank you to each and everyone of you for the continued support

02.01.2022 Further to the post this morning regarding repayment pauses, it is important to remember that a repayment pause is not a loan freeze. This means that whilst you may not have to make any repayments during the pause, interest will still continue to accrue (be charged) and will be capitalised (added) onto your loan balance. As such, once payments recommence, your repayments will either need to be recalculated (increased) to allow you to pay down the higher balance over the remaining term, or your loan term will need to be recalculated (extended) to allow your repayments to remain the same.

02.01.2022 How we can help you Consolidate Debt? Debt consolidation is the process of combining a number of different debts into a single loan, in order to help improve your overall finances and better manage your repayments. It may be a good choice for individuals who are struggling managing repayments for several debts or if you want to reduce monthly payments and lock in a lower interest rate. A mortgage broker can help you analyse your current financial situation and how debt consol...idation can improve your situation. There are a number of options available to consolidate all your debt. Refinancing Home Loan One option to consider when deciding to consolidate your debts is refinancing your home loans. Interest rates for home loans tend to be lower than other types of debts. Refinancing your home loan to include other debts, could mean a reduction in your overall monthly repayments. Personal Loan A personal loan may be useful for individuals who have multiple debts with high interest rates such as credit cards and other loans. Consolidating many debts into one may provide you with a lower interest rate and/or repayments, making it easier for you to manage your finances. With only one repayment to account for each month, it allows you to budget easier and gives you a clear date for when all the debt is able to be paid off by. Credit Card Balance Transfers A credit card balance transfer involves transferring the balance of one or more existing credit cards into a new one, usually in favour of a lower interest rate on the full balance. This could make it easier to budget and pay off in the long term. When searching, look for a card that still meets all your financial needs while still having a low rate. It's a good idea to consider the revert rate that will apply to any existing balance once the low rate expires. When in doubt, get in touch and let us help you research the most suitable options for your current situation. If you would like to learn more about debt consolidation please get in touch with us today: 0490 809 734 | [email protected]

01.01.2022 Should You Consolidate Your Debt? Debt consolidation involves rolling all of your debts such as home loans, credit card bills and personal loans into a single, combined low interest payment. It allows you to reduce your overall debt and arrange it so that it is easier to manage. The answer to whether you should consolidate your debt or not is dependent on you and your financial situation. Let's explore some of the factors you should take into consideration. Benefits of De...bt Consolidation Debt consolidation is at its most effective when there are many high interest loans that can be consolidated into a loan with a lower interest rate. You simplify the process of paying off multiple loans and you also save money by turning a 20% interest rate loan into a 10% consolidated loan. Debt consolidation will mean keeping track of one monthly repayment instead of several at once. It will also provide you the opportunity to refinance high interest rate debts into a loan with a much lower interest rate. Consolidation is also useful for reducing your overall monthly repayments as consolidating a shorter term loan into a longer one will reduce the amount you need to pay each month. Problems with Debt Consolidation If done incorrectly debt consolidation can actually result in putting you into more debt. While stretching out short term, high interest rate loans with debt consolidation will lower your repayments, you can potentially pay more in total debt and interest in the long run than if you didn't consolidate. Therefore, if you do consolidate it is important to pay off your consolidated debt as soon as possible in order to maximize the potential savings. Debt consolidation is a useful option to consider for anyone managing their loans but one that should be carefully considered. If you would like to learn more about debt consolidation please get in touch with us today: 0490 809 734 | [email protected]