Laura Shanahan | Businesses

Laura Shanahan

Phone: +61 423 043 794

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• Property
• Businesses
• Mortgage brokers

23.01.2022 The more equity you have in your home, the more bargaining power you have when negotiating with the banks for better loan terms. (Equity, by the way, is the difference between how much the property is worth and what you owe the bank). If you've recently renovated your home you may have increased the value of the property, which would mean more equity!... Get in touch for a no obligation home loan review, and we can let you know whether you have a good shot at a better deal. See more

22.01.2022 If we could give just one piece of advice, it's to start the process early. Imagine getting to crunch time and missing out on your dream property because your finance isn't sorted, or having to go with your third choice of lender purely because they're the only ones who'll approve you in time. It happens! Getting in touch with us sooner, rather than later, also means we can help you create the best impression with the lender - this preparation will ideally start months ...before you apply. So, what are you waiting for? See more

22.01.2022 Compound interest has been described as the eighth wonder of the world: They who understand it, earn it. They who don’t, pay it. If you've got personal loans and credit cards, compound interest is why it may seem like you're barely chipping away at those debts. It's the thing that's sapping your disposable income, dampening your savings efforts, and diverting resources from your investments.... Get in touch with us if you'd like help earning compound interest - instead of paying it. See more

22.01.2022 Breaking into the property market is no small thing. To qualify for a loan, you usually need a decent-sized deposit, which can be hard to save up for when you're paying rent. Using a guarantor may make sense for you if: You don't have a 20% deposit, but you want to avoid paying that extra insurance (LMI), and You have a close family-member who's willing to put their own property up as security.... A guarantor can give you the boost up the property ladder you need. And the good news is that once you've built up enough equity in the property, your guarantor can be released from their commitment. Get in touch if you'd like to understand the ins and outs of how it works, and for tips on how to broach this subject with your potential guarantor. See more

19.01.2022 If you're saving hard for a home loan but it just doesn't seem to be happening quickly enough, consider these three ways to boost your savings: Consolidate your debts Cancel all unused subscriptions Review (and switch) your ISP and energy providers ... The best thing is you'll save money without having to give up anything - because we have a feeling you're already sacrificing plenty to get that deposit ready! See more

19.01.2022 Those online calculators are not exactly famous for being accurate. It used to be that banks would let you borrow approximately ten times your annual income. These days it's closer to 6 or 7. (It depends on your existing debts, of course).... This is why - if your salary is made up of a base, plus penalties - you need to speak with someone who knows which lenders consider this type of pay structure, and how. It can be the difference between being able to borrow enough for your dream home, or not. See more

18.01.2022 We are HUGE advocates for being in charge of your money because it means you can put that boring stuff on autopilot and focus instead on the truly rewarding things. Making big plans Long lunches with friends Lego with your little ones... Homemade pasta Designing your dream kitchen Kicking business goals A solid 8 hours sleep Over to you. What are you hoping to do more of, or less of in 2021? See more

15.01.2022 Einstein asked if a cluttered desk is the sign of a cluttered mind, then what does an empty desk signify? Sounds a bit like what someone with a messy desk would say, but we're running with it.

15.01.2022 There's nothing wrong with debt, and many of us will need to take it on at some point in our lives. But it can cost you so much more than it needs to. If you're one of the many people who avoid talking about debt, then it's even more important that you do! And, if you're looking to buy a home, and feel your existing debt is stifling your savings goals, then it may be time to get in touch to discuss your options.

13.01.2022 Did you know 'mortgage' is actually an old French word that translates to 'death pledge'. The good news is that in 2021, taking out a home loan doesn't have to be a life sentence. If you're in a position to make additional repayments, you could shave years off your loan and be debt-free sooner. Get in touch with us to review your loan.... Whether we renegotiate your interest rate with your lender, or find you a better option elsewhere - you could save thousands.

11.01.2022 Talking about money with your partner may seem like the least sexy topic there is. But do you know what's even less romantic? Finding out you're not financially compatible and letting this cause friction in your relationship. If one of you is a big spender, while the other is more frugal, then money may become a source of contention.... It's a great idea to discuss your attitudes to debt, whether you share the same level of financial literacy, and to define your financial goals together. And don't worry, 'different' doesn't mean it can't work out - it just means you need to communicate well and create systems so that you DON'T clash over money. See more

09.01.2022 Lenders Mortgage Insurance is what protects the bank on the off-chance you default on your loan before you've had a chance to build up your equity. Generally you'll have to take out this insurance if you have a smaller-than-usual deposit (as you'll be considered a bigger risk). Get in touch for helping working out whether you need to pay it.

06.01.2022 So, you’ve been saving hard for that deposit and now the reality of home ownership is on the horizon. Did you know there are thousands of home loan options. The easy part is that going through a broker is a fee-free service to you (the lender pays us commission and this costs you no extra than going direct to them). Let us know if you want a hand navigating the maze of finance!

06.01.2022 Apparently we're the sum of the five people we spend the most time with. We spend a lot of time with ambitious, switched on people wanting to climb the property ladder, so we're definitely in good company! How about you?

05.01.2022 We absolutely love that in 2021, personal finance is something that's discussed more openly. However, we know that for a lot of people, this is not an appealing topic of conversation! There are all kinds of attitudes to money, and all kinds of emotions surrounding it - from confidence, gratitude and optimism, to fear, shame and panic. Whatever your money mindset, it's worth taking a look at where you sit on the spectrum - it's the first step in taking charge of your fin...ances. It could be a matter of reading the right book, or speaking with a financial adviser who you really click with. Get in touch if you'd like our recommendations. See more

04.01.2022 Are you next? Our door is open to people wanting help with acquiring property. Whether it’s your first or seventh we’re here for expert guidance on how to make your most important investments work harder

03.01.2022 There's more to a home loan than just the interest rate. Some questions to consider: Am I getting a fair rate? Will I use all the bells and whistles?... Does the lender align with my values? Will I get approved, and in time? What fees and charges will I have to pay? We help you uncover the answers to these questions and more, to narrow down the thousands of home loan options available. See more

02.01.2022 We've never met anyone who's wished their way to a property portfolio or profitable business. Have you? Get in touch if you'd like help bringing your property dreams to life.