Finance by Peter Ritchie in Mornington, Victoria | Loan service

Finance by Peter Ritchie

Locality: Mornington, Victoria

Phone: +61 417 590 553

Address: 8/35 Progress St 3931 Mornington, VIC, Australia

Website: http://www.financeby.com.au

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25.01.2022 Some more great information from Tick Box Conveyancing.

25.01.2022 What a fabulous service being offered by Tick Box Conveyancing for anyone moving into a new house. https://www.tickboxconveyancing.com.au//tick-box-concierg/

25.01.2022 Interested in Property Investment? Here is some information from Macquarie. https://www.macquarie.com.au//macquarie-ebook-home-loans-i

24.01.2022 Great news for First Home Buyers, the Stamp Duty Exemption and the First Home Owners Grant for either $10,000 or $20,000 has been extended for 12 months until June 2021. Great news if you want to build in a regional area.

24.01.2022 Some great information from ME Bank. https://www.mebank.com.au/the-feed/pick-the-lemons/

23.01.2022 Bored during the lockdown? Take the time and set yourself up for financial success once this is over. Take the time and complete the Budget Planner. The data out is only as good as the data in. So if you show a surplus on the planner, but you dont have that money in your bank - then the data in isnt very accurate. Start again. https://moneysmart.gov.au/budgeting/budget-planner

22.01.2022 More successful First Home Buyers, congratulations Ti & Tau

21.01.2022 A quick update about the Stage 4 Lockdown and what we are currently available to do.

21.01.2022 Some more great advice from Macquarie, this time for First Home Buyers. https://www.macquarie.com.au//tips-for-buying-a-first-home

21.01.2022 In the face of adversity comes success, congratulations Andrew & Kerrie on the settlement of your new house.

21.01.2022 Some fantastic information from Martin Galea, from Tick Box Conveyancing.

20.01.2022 A great way to start the long weekend for customers, 2 new homes settled, 1 refinance and a pre-approval. Congratulations to Adam & Ash on their first house.

20.01.2022 Do you need HELP? CV19 The Help List! Do you need some help, no matter what it is I may be able to assist. The businesses listed below are known and trusted by me, Finance By Peter Ritchie and may be able to assist you in a number of areas. Please contact them directly if you need to. If you need any other assistance, please ask me as there are a number of other businesses I may be able to refer you to....Continue reading

18.01.2022 Self Employed & Sole Traders, the easiest budgeting tip ever. But some quick advice first, your Accountant, no matter who they are, is not special. You earn income doing your work, the Accountant legally deducts the expenses incurred with doing that work and you are left with a taxable income. (NPBT = net profit before tax). I am constantly amazed by people tell me how much they earn, then I see their tax returns and they explain they have a fabulous accountant who reduces t...heir income so they pay less tax. NO THEY DONT! They deduct the expenses it cost you to earn that money, that is all, they are not fabulous or clever. So, here is my fabulous tip to make budgetting better. Firstly, take out your last years tax return, that important document that tells you how your business is tracking, year upon year and find the gross income (the total amount you earned) Now find the NPBT (taxable/net income = the bit that ends up in your pocket.) Now divide the NPBT into the gross income. So as an example - if your gross turnover was $110,000 and your NPBT was $60,000. Divide $60k into $110k and you end up with 0.545%. So very simply, for every $100 you earn, $54 is yours and the rest goes to the ATO, BAS and expenses. A very simple process, but all of a sudden you now have a very basic budget to live to and avoid going into ATO DEBT or not having enough money to pay your bills. Youre welcome. See more

18.01.2022 Quote from the MFAA "Underinsurance is not a hypothetical or academic concept. It is a tragic and painful reality for individuals and families when an unfortunate crisis arises. Underinsurance is particularly relevant to younger families and first home buyers who tend to have high levels of debt relative to income, limited assets and savings." Have you discussed your insurance requirements recently?

17.01.2022 Dont forget to tune into the website for updates or videos you may have missed. http://www.financeby.com.au/

15.01.2022 Thinking about some serious landscaping in the near future? Here is some great information about budgeting for it, from an expert Andrew Whyte. https://www.thelandscapingnarrative.com.au//why-budgets-do

13.01.2022 Business vehicle finance made easy.

13.01.2022 Win for the week, refinancing some investment properties for a couple and saving them $1,800/month. That is over $20,000 a year - nice pay rise for some people.

12.01.2022 My 5 Star Service is FREE!

11.01.2022 Some fantastic advice from Rohan to "IT" protect yourself from the other nasty viruses.

10.01.2022 For those who asked about accessing their Super and not meeting the true rules: https://www.businessinsider.com.au/early-super-withdrawal-p

10.01.2022 ARE YOU A PROPERTY INVESTOR? with thanks to UNfair Advantage Accounting in Mornington: Landlords who provide tenants impacted by the coronavirus pandemic with rent relief, and those unable to secure a tenant because of the pandemic, may be eligible for a 25% or 50% reduction on the propertys 2020 land tax. Owner-occupiers of commercial properties may also be eligible for a 25% reduction on the propertys 2020 land tax. Eligible applicants can also defer payment of their rem...aining 2020 land tax up to 31 March 2021. If you have previously applied for a 25% waiver and you want to apply for this further relief, you must make a new application through My Land Tax. If you have not already, register for My Land Tax. Please watch the full video on land tax relief for commercial and residential landlords in response to coronavirus in Victoria. Thanks Nadia Hughes. https://www.sro.vic.gov.au//how-claim-coronavirus-land-tax See more

08.01.2022 Residential refinance to fund a commercial purchase - we can do that!

07.01.2022 Some more quality information from one of our lending partners, ME Bank - about the costs of buying a home. https://ed.mebank.com.au//12769-costs-wh/story_html5.html

06.01.2022 Dont forget to find us @ www.financeby.com.au

03.01.2022 What to consider when buying off-the-plan? My first rule is pretty basic, if you need a home loan to pay for an Off-The Plan purchase, then you shouldnt sign an unconditional contract. Sure it is a purchase option that gives buyers a range of valuable advantages, like saving on price, the option to customise and stamp duty concessions. But splashing out on plans alone may not be the best choice for every buyer. Make sure you weigh up the pros and cons to buying off-the-plan...Continue reading

02.01.2022 Stage 4 video update.

02.01.2022 A quick summary from a lending perspective of how Covid 19 is afffecting borrowers and lenders.

01.01.2022 Even during lockdown we can assist with finance and home loans. Congratulations Scott & Sheridan on your first home.