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Astute Financial

Phone: +61 416 022 094

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24.01.2022 In a letter to banks today, the Australian Prudential Regulation Authority (APRA) has increased the minimum interest rate buffer on home loan applications from 2.5 to 3 percentage points. Many analysts had expected a move to tighten home loan requirements after recent comments from regulators and the Treasurer, however most did not expect the change to happen so quickly. "The buffer provides an important contingency for rises in interest rates over the life of the loan, as well as for any unforeseen changes in a borrower's income or expenses." Read more here: https://www.abc.net.au//apra-tightens-home-loan-/100516758

23.01.2022 At its meeting today the RBA decided to keep official cash rate on hold for another month. "The Delta outbreak has interrupted the recovery of the Australian economy and GDP is expected to have declined materially in the September quarter. The outbreak is affecting many parts of the economy, but the impact is uneven, with some areas facing very difficult conditions while others are continuing to grow strongly. " Read more here: https://www.rba.gov.au/media-releases/2021/mr-21-22.html

23.01.2022 I have the loveliest clients #lovemyjob #mortgagebroker #homeloans #refinance #1sthome #achieveyourdreams #offeringchoice #astutenelsonbay

21.01.2022 Stress is a major contributor to employee absenteeism, morale and burnout and results in significant loss of productivity and resources. Instead of helping workers take the office home with them, business could pivot to enabling workers to bring mentally and physically positive aspects of the home office into the CBD.

19.01.2022 According to some economists, rapid house price growth is set to slow after the tightening of lending conditions reduced the maximum amount that home buyers can borrow, with investors likely to be more affected. https://www.domain.com.au//property-price-growth-set-to-s/

18.01.2022 Join or switch to combined Hospital and Extras with Astute Simplicity Health and receive SIX WEEKS FREE and the waiver of the two, three and six-month waiting periods on Extras cover, for example general dental, optical and more! Offer ends December 31, 2021. Join online today at astutesimplicityhealth.com.au ... No waiting periods apply when switching to equivalent level of cover, providing all waiting periods have been served with the previous insurer. Extras waiting periods greater than 6 months still apply. All hospital waiting periods still apply.

18.01.2022 This summer, many families may be considering exploring our great country over the warmer months. Whether it’s camping with the family in the bush, heading to mountains for a caravan adventure, or heading out on the water, we can help arrange the finances to get you there with gear including cars, camper trailers, boats and jet-skis. With competitive rates, and flexible terms, financing your new purchase with us is simple, straightforward and often more affordable than a p...ersonal loan. NEED A BIGGER VEHICLE TO GET YOU WHERE YOU’RE GOING? While buying a new caravan or camper trailer can be exciting, you may need more grunt from your vehicle to get it to your destination, but buying a car can be a drawn out and stressful experience. In addition to providing you with finance options, we have access to a car buying service to help find, negotiate and buy the car you’re looking for. With vehicles in high demand and short supply, this service could take some of the stress and the wait times out of purchasing a new car all at a competitive price. If you’re keen to explore our wonderful country this summer, contact us first. We can help with the finance, letting you focus on more important things - like planning the perfect local getaway

17.01.2022 Despite decades of public health campaigns, skin cancer remains a major threat to health in Australia, with more cases diagnosed each year than all other cancers combined. Here's some common myths busted.

16.01.2022 What makes this scam so effective is that it lowers your guard why would a scammer send you more money than you need? Read more about this sneaky scam.

11.01.2022 2020 was a challenging year for many, so let’s start 2021 on the right foot. Now is a good time to review your needs and set yourself up for the year with our friendly team of professionals on your side. ALL KINDS OF FINANCE Our wide range of home loan options are just the beginning. Whether you’re thinking about a new caravan for a holiday, or upgrading your boat for the next fishing trip, we have the finance option to help. For business owners we can assist with Business In...vestment, Commercial Property, Vehicle and Equipment Finance. GENERAL INSURANCE Our General Insurance team can quote on all types of policies including car, boat, home and any type of business insurance, as well as reviewing options to make sure you have appropriate cover. HEALTH INSURANCE Your health is your most important asset, and it may be a good time to review your private health insurance. Astute Simplicity Health offer sound advice, great coverage, and the personalised service from a dedicated team. FINANCIAL PLANNING In uncertain times it is important to have a plan. Our network of Financial Advisers can tailor solutions to suit your specific needs encompassing superannuation, debt management and investments, supported by appropriate personal insurances to provide certainty for the future. If you would like an obligation free chat to review your needs and goals, contact us today

10.01.2022 When you buy your first home, there are ongoing costs you must consider that you may not have had when living with your family or renting. - Rates and water bills which can be thousands a year. - Additional insurances such as building insurance. Insurance premiums vary greatly between suburbs and even streets, so make sure you do your research. - Yearly package fees are often deducted from your account.... - Maintenance such as plumbers or electricians no longer covered by a real estate. - Any strata or body corporate fees if you’re buying an apartment. There's a lot to consider when buying a home, so if you or anyone you know is ready to get into the property market, contact us today.

10.01.2022 What impact does ‘Buy Now Pay Later’ have on your credit score ? https://www.moneyandlife.com.au//how-buy-now-pay-later-af/

06.01.2022 When it comes to Christmas debt hangovers, prevention is better than cure and remember that more gifts don’t necessarily equal a happier Christmas. https://thenewdaily.com.au//christmas-shopping-savings-de/

06.01.2022 There’s a few different ways you may be able to squeeze out a discount at the bowser, and if you’re able to adopt more than one method, you may be able to save even more. Happy driving. https://www.canstar.com.au/budgeting/cheap-petrol/

06.01.2022 The Your Home initiatives will enable homeowners to improve the sustainability and energy efficiency of their homes which in turn will see savings on energy costs while contributing to Australia’s emissions reduction efforts.

05.01.2022 Next time you see an advertisement online, think a little bit more critically about whether what they’re selling or promoting is too good to be true and what they’re getting out of it (because ads are definitely not free)!

05.01.2022 "In a world first, startup Wing is flying drones at 110km/h to deliver everything from roast chooks to medicine through an Uber Eats-style phone application." Is this the future of home delivery?

03.01.2022 Do you plan on dining in fancy restaurants abroad each year, exploring Australia in a camper van, or simply pottering around the house and garden? If you'd like to plan for your future you want, and speak to one of our network of Financial Advisers, please let us know. https://thenewdaily.com.au///11/retirement-how-much-money/

03.01.2022 Many new vehicles already have autonomous features, especially when it comes to premium vehicles, so it’s critical to understand how this may affect your insurance policy and claims experience in the future.