Planwise Finance & Financial Services | Financial service

Planwise Finance & Financial Services

Phone: +61 400 962 559

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25.01.2022 Our Business is based on a solid foundation of knowledge, experience and most importantly integrity. We put our clients’ best interest first and build long term relationships. We choose to only work with Partners who share the same values. It was a pleasure to be able to say THANK YOU FOR YOUR SUPPORT to our Partners today. May 2021 bring prosperity and good health to you

23.01.2022 A further 10,000 spots have been released for construction of new homes or purchase of newly built homes. Property value threshold increased to $550,000 for most of Perth metro Contribute a minimum of 5% Deposit and pay NO LMI... Income threshold of $125,000 pa for individual and $200,000 pa for a couple Want to know more? Send me a message

23.01.2022 Wishing you a Merry Christmas surrounded by your loved ones and Happy Holidays! Thank you for all your support in 2020 and let's cheer to a better 2021.

23.01.2022 Want to buy an existing Franchise business? Coffee Club is on the list of acceptable franchises with several Banks. This means you can borrow around 60% of the business value without providing brick & mortar (property) security. Send me a PM if you want to find out more information.

22.01.2022 "They gave their lives for Liberty. Lest we forget, we will remember them" To all the women and men who fought for our country - thank you for your service!

22.01.2022 Wishing you all the best for the Ramadan season to my valued clients and friends who celebrate it

21.01.2022 Happy Australia Day! Enjoy your long weekend and remember to drive safely.

20.01.2022 Merry Christmas and best wishes to you all. Stay safe and enjoy the festive season.

20.01.2022 *** UPDATE *** Before you sign a contract to buy, please read the update below regarding how the $25,000 Home Builder Grant and $20,000 Building Bonus Grant are treated on a Loan Application. With both the Federal and WA Government building grants, eligible customers can apply to the relevant authority when construction has started (foundation/slab complete). ... As Banks may not be able to administer the grants, unlike the current $10,000 First Home Owner Grant (FHOG), these additional grants will NOT be available to use towards the deposit and fees. The WA Office of State Revenue still has not finalised its processes, nor has it advised the Banks on how/when the funds will be paid, so this can still change in the future (lets hope!). However, if you submit a loan application right NOW, you would need to show deposit/funds to complete WITHOUT the grants. If you have any further questions, please dont hesitate to email me: [email protected]

18.01.2022 Happy Chinese New Year to all my valued clients and friends who celebrate it. May the year of the Golden Rat brings you prosperity and good health.

18.01.2022 To my valued clients and friends who celebrate it - Happy Eid Mubarak! May this be the start of very blessed year for you.

18.01.2022 Beware of a current text message scam purporting to be ANZ! If you are unsure about the legitimacy of a message, ALWAYS go back to your Bank and utilise the secured messaging platform through your internet banking.

18.01.2022 Happy Mothers Day! Heres a virtual hug to brighten your day Happy Mothers Day! Heres a virtual hug to brighten your day

17.01.2022 Happy World Donut Day! There are plenty of places with Donut offers today. My favourite is the good ol hot cinnamon donuts. Whats yours? Happy weekend and stay safe!

17.01.2022 Thank you Lacey & Co Conveyancing for my EOFY gift

17.01.2022 Always do your due diligence before buying a business. Having an Accountant to look through your purchase terms & conditions is a valuable investment! Sometimes when its too good to be true, it almost always is!

16.01.2022 Happy Mothers Day

16.01.2022 Since the Home Builder Grant $25,000 and Building Bonus Grant $20,000 were announced, I have been getting many enquiries on how it would work. In addition to the information made available, there are still a long list of things the Government (Office of State Revenue) is still trying to work out. When and how will I get the grant? Will my Bank accept it as deposit? Once the OSR has worked out how to manage the 2 payments, they will advise the Banks and we will know how the grants can be applied to your loan application. I will keep you updated!

15.01.2022 We are here for you if you need any assistance or just want to talk. Stay safe and lets all come out stronger at the other end.

15.01.2022 A further $20,000 WA Building Bonus Grant is being made available to West Australians. This is what we know so far: Build a new home or purchase a new home in single tier development currently under construction.... Not means tested and no cap on property value Available for Owner Occupiers and Investors Available to Citizens and PRs available until 31 December 2020 available in conjunction with $10,000 FHOG, $25,000 Home Builders Grant and Stamp Duty Concessions for eligible applicants. More details to be released soon!

15.01.2022 As part of the COVID19 stimulus plan, the Government is considering offering grants of around $25,000 to home owners to build a new home or majorly renovate their existing home. There are conditions that have to be met, including contributing your own cash towards the project. So if you have been thinking about a new extension to your house or adding a second storey, come and talk to me about getting cash out of your property in readiness for your renovation project!

15.01.2022 It is time to say good bye to 2020. What a challenging year it has been and we have come out stronger at the end. Thank you for everything and see you in 2021.

14.01.2022 *** UPDATE *** The $25,000 Home Builder Grant from the Federal Government is available to Australian Citizens only. The applicant for the grant are the owner(s) who are on the Title, therefore, if the property is owned in joint names, both parties would have to be Citizens to qualify for the grant. The $20,000 Building Bonus Grant from the WA Government is available to BOTH Citizens and Permanent Residents.

13.01.2022 The RBA has reduced the official cash rate! This first rate move since August 2016! Eyes will be on the Banks to see if they pass on the full rate cut.

12.01.2022 Happy Fathers Day Australia!

12.01.2022 *** WARNING *** ME Bank has recently removed customers cash from redraw facilities to pay down the home loans. If you had been affected, please do contact ME Bank first to lodge your complaint or let me know how I can help.... Customers of other Banks, to prevent this, opt for a loan with Offset Account and place your surplus funds in there.

12.01.2022 Whether you are a Buyer, Seller, Landlord or Tenant, the proposal to abolish Negative Gearing has an impact on everyone! #votewisely

12.01.2022 Hope you enjoy this long weekend with your family and friends, and drive safely!

11.01.2022 Another Scam to be wary of. The scammers are getting more sophisticated so please be vigilant at all times!

11.01.2022 Be vigilant when transferring money to a third partys account. Always call them to confirm the account details.

10.01.2022 ***COVID19 financial assistance*** If you are financially affected by COVID19 pandemic and are struggling to meet your home loan repayments, you can apply to your Bank for a 6 months repayment holiday. Please understand, this is NOT interest free! Interest is still charged on your loan AND it is compounded onto the loan balance. After the 6 months, you will have a new repayment amount based on the higher loan balance amortised over the remaining loan term.... Stay healthy everyone!

10.01.2022 Potential renters beware of scammers offering up houses for rent. Always do your due diligence.

07.01.2022 Tax cuts passed in Parliament! Tax payers will receive up to $1080 back. What will you spend your money on? Have a great weekend!

07.01.2022 The eligibility criteria for accessing your Super early is that you must have been adversely financially impacted by Covid19. If you had withdrawn your super recently and then apply for a home loan shortly after, you may not like the response you get from the Bank/Lender. However, there are Lenders that will consider this under very specific circumstances. PM me for more info.

06.01.2022 Now that application for both WA Building Bonus Grant and Federal Home Builder Grant are open, one Bank has confirmed it will accept the $45,000 grants as Funds to Complete. There are specific conditions that have to be met, so message me if you want to know more.

05.01.2022 Thank you for your service.

05.01.2022 As we approach 2020, I would like to thank all my clients and friends for their support in 2019. May the New Year bring you good health and financial success.

05.01.2022 Australian Citizens can now secure a home loan to purchase their first home with as little as 5% deposit with No Lenders Mortgage Insurance. A further 10,000 places for FHLDS will be released on the 1 July so contact me now to find out if you are eligible and to reserve your spot!

05.01.2022 Thank you will never be enough. Lest we forget. 11am 11/11.

03.01.2022 The Government has released details of the COVID19 stimulus package to help low income earners and small businesses, as well as households. Here are just a few of them: * One-off $750 tax free payment to be made from 31 March 2020 to pensioners, social security, veteran and other income support recipients and eligible concession card holders. * Tax-free cash support of up to $25,000 for eligible small businesses with employees, calculated based on their PAYG withholding oblig...ations. * No increases to household utility charges for 2020/2021 There are more assistance available. Chat to your Accountant for more detailed information.

02.01.2022 More details on the Federal Governments Home Builder Grant have been released. available for those wanting to build new homes or perform substantial home renovations. This is available to both first home buyers and existing property owners. income threshold apply. Maximum income of $125,000 pa for single and $200,000 pa for couple.... new homes value cannot exceed $750,000 including land. renovations must be for a minimum of $150,000 to $750,000 that will result in the property being priced at less than $1.5M. not available for investment properties or to build things outside of the house (eg. shed, swimming pool, tennis court, etc) available in conjunction with the WA First Home Owners Grant of $10,000 building contract with a Licensed Builder must be signed between 4 June and 31 December 2020. This will be managed by each State and Territory so stay tuned for more information on the process.

02.01.2022 Thank you for my flowers Amy! Enjoy your first home and make many happy memories