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Prestige Mortgages & Mortgages for Women | Financial service



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Prestige Mortgages & Mortgages for Women

Phone: 0408 677 063



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25.01.2022 Looking to buy in the near future? Here's a few things that house hunters often forget to do, so that you don't.



25.01.2022 Today is #RUOKDay. It’s a simple question, but just asking it could lead to a conversation that changes someone’s life. Learn how to keep the conversation going at www.ruok.org.au.

23.01.2022 A helpful guide for the Christmas period.

21.01.2022 Lesson four: We can save more than we think. https://au.finance.yahoo.com//5-money-lessons-that-2020-ta



21.01.2022 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/

21.01.2022 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)!

20.01.2022 If you're thinking about a new caravan, boat or camper in the new year, have a chat to us before you go shopping. We have a range of competitive finance options to assist, and can even handle your insurance. And if you need a bigger car to get the job done, we have access to a car buying service to find, negotiate and buy the car you’re looking for. So if you’re keen to explore our wonderful country, contact us before you buy. We can apply for pre-approval and explain your budget and options, letting you focus on more important things like planning the perfect local getaway.



19.01.2022 Here are 7 ways to ensure over spending isn't your undoing. https://www.moneyandlife.com.au//dont-let-overspending-be/

19.01.2022 Want to consolidate your debts, access equity or see if there is a better option out there for your mortgage? Send us a message and we'll work to find a solution.

17.01.2022 Selling your unwanted stuff online is a great way to earn extra money and reduce waste. What have you sold online? https://www.moneymag.com.au/how-to-make-money-selling-stuff

17.01.2022 Merry Christmas from all the team.

16.01.2022 If it's been a while since you last got a loan, we've got some new tech to make your transaction a little easier.



15.01.2022 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

15.01.2022 A little planning can go a long way in the great outdoors.

14.01.2022 Are you a high income earner? Take out hospital cover with Astute Simplicity Health and avoid paying the Medicare Levy Surcharge* Contact us today or call the team on 1300 090 960 to find out more and to compare your cover.... *The Medicare Levy Surcharge is levied on Australian taxpayers who earn above the income tiers and do not hold an appropriate level of private hospital insurance. Other conditions may apply. See website for details. Health Insurance products are underwritten by St Luke’s Medical and Hospital Benefits Association ACN 009 479 618 (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission.

13.01.2022 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.

13.01.2022 Australian home values continue to rise, but pace of growth eases. "If we are starting to see demand impacted by affordability constraints, at a time when supply levels are rising, it makes sense that we could start seeing a rebalancing between buyers and sellers."

12.01.2022 According to some, 2021 is shaping up to be a strong year for the housing market but certain areas will fare better than others.

12.01.2022 Happy Mother's Day!

12.01.2022 Have you seen the recent car adverts promoting Guaranteed Future Value? It seems like a good idea, so what does it all mean? What should you be aware of? Simply put, this tactic attempts to leverage your fear that your new car will fall drastically in value, especially when your finance contract has a balloon payment (i.e. a large final repayment at the end of the finance contract). It also puts the dealership in a position to ‘control the second market’ by forcing you to co...me back to them for your next purchase, effectively giving you less choice and often under the guise of ‘supporting their brand’. If you are considering this type of guarantee, take time to review all your options and consider the following important points when making your decision: You may have less choice next time you want to trade this car as you must return to the same dealer. If you elect to go to another dealership, and your balloon payment is above the ‘real market value’, you may have a negative equity position and may need additional finance to assist paying the remaining debt. Dealers may seek to recover any shortfall in the ‘real value’ of the car by charging full retail price on your next purchase, accessories, finance etc. This means you may have fewer opportunities to negotiate on price as the money must come from somewhere! Generally all maintenance must be completed by the dealership’s workshop as a condition of the offer, often at a higher cost than competitors. There will be ‘return conditions’ on the contract capping kilometres travelled and allowing for only ‘fair wear and tear’ on the vehicle. Failure to comply will void the offer or may require you to pay a ‘make up payment’. There may be a ‘sunset clause’ - a date the guarantee offer must be taken up by or it will lapse. This may encourage you to consider upgrading your vehicle earlier than you would like to. Independent resources such as Red Book (www.redbook.com.au) can be used to see how specific car models depreciate over time and help ensure balloon values on finance contracts are realistic without locking into arrangements that may not suit you in the future. An experienced finance broker is well placed to assist you and will have access to a variety of finance options and structures that can be tailored to best suit your needs. So if you are considering upgrading or purchasing a car, contact us today!

11.01.2022 The events of this year have encouraged more of us to plan an exploration of our own backyard this spring and summer. Whether it’s to the bush, mountains or out on the water, we’ll all be spending more time out and about in our great country. The first step to your next adventure may be to buy a caravan, camper trailer, motorbike, boat or jetski - and we have a range of competitive finance options to assist and can even handle your insurance. Often more competitive than a p...ersonal loan, leisure finance also has flexible terms and can be structured to meet your specific needs. Need a car to get you where you’re going? While buying a new caravan or jetski can be exciting, you may need more grunt from your vehicle to get it to your destination and buying a car can be a drawn out and stressful experience. You may not be aware that we have access to a car buying service to find, negotiate and buy the car you’re looking for. We can find the car you want at a great price and have it delivered to your home or office for a test drive. We can even handle the trade-in of your old vehicle. If you’re keen to explore our wonderful country this summer, contact us first. We can apply to have your finance pre-approved allowing you to shop with confidence, knowing exactly what you can afford and letting you focus on more important things like planning the perfect local getaway.

08.01.2022 Did you know we can organise insurance for more than just cars and homes? Our General Insurance specialists can help in all areas, so give our team a call.

06.01.2022 Keen for a local holiday? These holiday parks go above and beyond to entertain families and might inspire your next getaway.

06.01.2022 Beautiful photos. Scented candles. Jazz music. Here's how to remain calm and focused if you're planning a purchase in 2021.

06.01.2022 Here's Laura Higgins, head of moneysmart.gov.au, about why getting on top of your finances is so important for mental wellbeing.

06.01.2022 For many of us, COVID-19 has meant that parts of our lives have been put on pause. As restrictions are lifted, we face more changes to our daily routines and an opening back up of our worlds. There will be some who are champing at the bit, ready to spring back into more physical connections and broadening their environments. At the other end of the spectrum, there'll be people who are quite comfortable and safe in the four walls of their home and content with their grocery ...shop as their only outing. Then there are those who are somewhere in the middle. There is no right or wrong in our responses. We all have our own personal circumstances, which includes our own unique vulnerabilities, strengths and just ways of being in the world. We should not necessarily expect that we all have the same skills and abilities to cope with the mental load of COVID-19. We will all need different things and will find some aspects harder than others. This is all perfectly normal and understandable. Mental health clinicians frequently talk about the benefits of going slowly. What we mean by this is: slow yourself down enough so you are tuned in to how you are feeling. When we know how we feel, then we can also think about what we need to manage those feelings and to ultimately cope with more change. With my own recent return to work, I was reminded of these things. I expected to be jumping for joy and race out the door. However, come time to leave the house and break my current comfortable routine, my brain decided to try and rescue me from this by asking: Is this the right time?. I then reminded myself of some handy tips: 1. When things feel uncomfortable (change) it’s normal for our brains to find a reason to avoid them, thus eliminating the initial discomfort. 2. Remind your brain of the facts, such as helpful public health messages. 3. Discomfort is normal, but it doesn’t mean the action that I am taking is wrong. So, before you press play again, remind yourself of the things above. Remember kindness to yourself and others is the key. - Contributed by Caroline Thain, Occupational Therapist, headspace Launceston Source: https://www.stlukes.com.au//Before-you-press-play-again.as

05.01.2022 Caravan and campers are more popular than ever with restrictions to travel. If you need finance for your new purchase, we can help get you preapproved so you can shop with confidence.

04.01.2022 Australia's first robo-home a house built by a mechanical bricklayer in less than four days

04.01.2022 Trying to save a little money on your bills headed into 2021? This government website helps you calculate how much your appliances are costing you. https://www.energyrating.gov.au/calculator

04.01.2022 With record low rates and offers such as cashbacks and other incentives, lenders are extremely busy processing loan applications. With such a large volume of loans being setup, it’s vital to get your application submitted accurately to help ensure the process is as smooth as possible and with minimal delays. If you’re planning on applying for a new loan or refinancing, here are some things you can do to help your application along. Be organised. Get all of your documentation..., identification, and other details ready. Home loan approval delays can often be the result of missing, out of date, or incorrect documents or information. You can directly upload all your documents to our secure online portal. Be upfront with information. Provide all the necessary documents upfront and convey as much detail as possible about your requirements and objectives and have good, current information on your financial position. We can also check your credit score for you. Get preapproval. Houses are selling fast, and there are plenty of buyers in the market. We can help get you preapproved so that when you’re ready to put in an offer, formal approval can usually be a less stressful and more streamlined experience. Reduce or eliminate other debts and excess expenses. Lenders will look at several months’ worth of living expenses to see how you spend, so work on minimising unnecessary spending. They’ll also consider existing loan repayments during the approval process. The simpler these are to verify the smoother the application process. We have access to a system that can retrieve bank statements for you, saving you time and effort. Every application is unique, so the time between our first meeting and approval can differ greatly from loan to loan. The best approach is to act early and be prepared! The best part is we’re here to walk you through the process, answer your questions, and find you a great deal on your finance. Whether you’re new to the process or a seasoned property buyer, speak with us today!

03.01.2022 As we prepare to wrap the year up, many of us make New Year's Resolutions. When it comes to sticking to them, research suggests several practical and easy-to-apply tips.

01.01.2022 Want to sell your car faster? Auto photographer Easton Chang shares his tips to make your listing stand out

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