Reachforth Financial Solutions Pty Ltd | Financial consultant

Reachforth Financial Solutions Pty Ltd

Phone: +61 1300 191 978

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25.01.2022 A morning walk to clear my head , such a beautiful sight. Feeling grateful to be out in the fresh air, near the water and taking in the view. What are you doing for yourself today? Want to connect? See the link in bio #fridaymorning #weekend #timeout #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance

24.01.2022 This is what makes my job all worth while, it is not the money or the perks but helping genuine people like you and me to get the best outcome they can with the money they have for their finance needs. I like to think of myself as a "mower broker " for my clients , smoothing the path in front of them and taking the stress out of what can be a highly stressful experience without someone like me on your team. Call or email if you would like me to review your loans or ...help you get into your first home or buy your investment property If you'd like to discuss give me a call or drop me an email 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~ #happyclient #financialfitness #budgeting #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance See more

24.01.2022 Next week, I'm taking part in the Long Walk Home and will be walking 28km for Wayside Chapel to support people sleeping rough on our streets. For today only, ALL donations will be MATCHED by a generous supporter, up to $50,000! Sponsor my 28km walk today and your donation will be DOUBLED! So together, we will double our impact to support people experiencing homelessness. Click below to view my fundraising page and make a donation: https://www.longwalkhome.com.au/fundraisers/diwilliams Thank you to everyone for your support and encouragement of me to do this and for supporting this cause that really touches my heart Xx

24.01.2022 Good news the Federal Government today launched the new HomeBuilder package with $25,000 grants to go towards home renovation or construction of a new home See the link in bio for more detail. 1300 19 19 78 [email protected] www.reachforth.com.au #HomeBuilder #renovation #stimulus #renovationgrants #sydneymortgagebroker #homefinance #reachforthwithdi #mortgage #realestate #mortgagebroker #finance #homeloans #newhome #homeowners #refinance #refinancenow #homebuyers #refinances

24.01.2022 COVID - 19 is having a widespread effect on us all including the social, health and wellbeing and economic impact. Everyone is feeling it in someway or another . Many of us have reduced income and need to watch what we are spending to be able to get by. Some areas to look at that savings can be made are , * reducing discretionary costs that you can pick up again later - like memberships / subscriptions * Check out your electricity / gas / phone etc - there are savings ...to be made through comparing plans Checkout the Govt's Energy made easy website to compare plans https://www.energymadeeasy.gov.au/ * Reduce grocery bills by meal planning, buy the home brand products and things on special and freeze leftovers for another day * compare insurances for home and car insurance The NSW Govt has introduced specific measures to help individuals and families cope with increased financial pressure placed on them by COVID - 19. here is a link to Service NSW - https://www.service.nsw.gov.au//financial-support-individu It is worth while reviewing what financial support is available to get us through this time as best as possible - whether that is access to govt payments or concessions, mortgage repayment holidays, reduced council rates or assistance for paying energy costs. If you need any help with this please reach out [email protected] 1300 19 19 78 www.reachforth.com.au ~ ~ ~ #InThisTogether #sydneyrealestate #sydneymortgagebroker #reachforthwithdi #womeninfinance #QuarrantineBudgeting

23.01.2022 There were 1,326 capital city homes scheduled for auction last week, higher than the 1,176 over the previous week, and the 1,124 one year ago. Even though there is negative press about the property outlook at the moment a year ago for the same period in Sydney auction clearance rate was 75.7% and 394 properties were listed for sale by auction, as opposed to now being 594 auctions and a clearance rate of 60.6% . How we interpret that is another story but hopefully for ...those 60.6% of Sydneysiders who sold they were happy with the result. If you are interested in buying or selling I would love to support you in that and help you with your finance needs. Please reach out to me for an obligation free chat. 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~ #sydneyproperty #investementpropertyfinance #homeloans #mortgagebrokersouthernsydney #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance

22.01.2022 #happymothersday #mothersday2020 #mothersdayathome #love #twosonsstillasleep #reachforthwithdi

21.01.2022 I recently had a closer look at our credit card and discovered a bunch of things that were on there that we had forgotten about. I still need to take the next step to either cancel the subscriptions / direct debits or if that all becomes too hard to take a leap and cancel the cardand have it replaced or even better - live without it . I would hate to add up the amounts that have gone "through to the keeper" but it is never too late to get a handle on it. No one like...s to call their telco / bank etc etc but while you are working from home it is a perfect opportunity to make those calls in the privacy of your own kitchen / office. Put them on speaker and you are able to keep working while waiting for them to pick up! 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~ #financialfitness #budgeting #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance See more

19.01.2022 ANZAC Day 2020 will be very different from all the others in our memories. We can still show our gratitude for the service men and women who have served our country by reflecting on the sacrifices they have made for us . Also we think of defence personnel both past and present suffering from psychological trauma brought on by their service and their families who are by their side and providing support. Open Arms provides free confidential counselling to Veterans and Fam...ilies Contact 24 hr 1800 011 046 https://www.openarms.gov.au/ Life line Tel 13 11 14 https://www.lifeline.org.au/ #ForTheFallen #ANZACAtHome #ANZACSpirit #OpenArms #TYFYS #homefront #LightUpTheDawn

19.01.2022 Following on from my earlier post, I'd be interested to hear your experience - do you use a budgeting app and does it help you keep control of your spending?

18.01.2022 Core Logic today noted the impact that is starting to appear on rental markets from the outflow of COVID - 19. This is particularly in Inner Sydney and Melbourne with an increase in listings of 34.1% and 36.2% respectively for the week ended 26th of April. This may cause downward pressure on rental yields, property values and added settlement risk for properties purchased off the plan. Some lenders have already adjusted their risk ratings for certain postcodes and the ...amount they are willing to lend . See link in bio for full article [email protected] 1300 19 19 78 www.reachforth.com.au ~ ~ ~ #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homefinance #reachforthwithdi #womeninfinance #mortgages #mortgage #realestate #mortgagebroker #finance #homeloans #realestateinvestor #realestateinvesting #mortgagelender #loans #home #mortgagespecialist #mortgageloans #broker #newhome #homeowners #refinance #fhaloans #mortgagelife #refinancenow #refinancelender #homebuyers #refinances See more

17.01.2022 Working from might have sounded idyllic before we heard of COVID-19 but it may not be all that you hoped for. I know I have found it challenging to have the family at home while still managing to get my work done. Some things that have helped me get through the work day a little more productively include * Get out of the house first thing before you start your work for the day and get some sunshine * Plan your day - before you start - this will help to minimise... distractions and keep referring back to your list * Have a dedicated work space - away from distractions * Set a schedule - like you would on a regular work day if you were going to the office. Start and finish the day at the times you would have if you were in the office and have a lunch break during the day. * Show your face - Keep connected with your work mates and your clients - meet up for a Friday "virtual " coffee or drink * Take breaks - it can be hard to find an end point when you are working from home so it is important to take a break . Get up and move away from your desk and talk to the people at home, have lunch and sit in the sun / have a stretch. * Eat healthy and stay hydrated (not with wine!) - I still get the lunchboxes ready on a "school day" even when the kids are at home learning remotely as it minimises the number of disruptions - my lunch box too :) Hope you get something out of this - it has helped me. If you would like help with your finances or a review of your loan please reach out. [email protected] 1300 19 19 78 www.reachforth.com.au #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #reachforthwithdi #womeninfinance #mortgagebroker #finance #refinance

17.01.2022 It is times like these we know who we can really count on - to stick by us when we need a hand. When there are so many changes happening , employment, health, the local and global economy we need a strong team behind us that we can trust for advice and feel confident that they "have our back" . They should also be looking forward - thinking of how they can add value for you and what they can do for you with you taking into consideration your circumstances to make the mo...st of a dreadful situation so that you come out with minimal damage at worst and at best to use the state of flux as a chance to reset and grow . Since the beginning of the COVID - 19 outbreak I have made contact with all of my clients individually, ask how they are and reassure them that I am there for them. If they wanted to work through anything or just download , I am there. This isn't new for me as I am regularly in touch with my clients - as they should expect - but COVID - 19 demands next level attention and service. Having a professional Broker, Accountant and Financial Planner in your corner thinking about your situation and preempting the next step before you do comes to the fore here. I would suggest , if you haven't heard from your Broker , Financial Planner or Accountant by now, chances are you won't as they are just not that into you unfortunately - even though they should be. Time for a change? My Mum and Dad used to say that this "will sort the wheat out from the chaff " and I think they are right - we will know by now , who are the "keepers" and who are not . https://www.theaustralian.com.au//4b9e93d4af72150b7f5370fd 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~ #sydneypropertymarket #homefinance #reachforthwithdi #womeninfinance #mortgages #mortgage #realestate #mortgagebroker #finance #homeloans #loans #home #mortgagespecialist #mortgageloans #broker #newhome #homeowners #refinance #refinancenow #refinancelender #homebuyers #refinances #sydneyrealestate #sydneymortgagebroker

13.01.2022 Nice to get back into the office yesterday. I couldn't see much from the window because of the rain but felt nice to be a bit "normal" and see my colleagues, we are not meant to be islands !

13.01.2022 Wishing you and your family a Happy and safe Easter [email protected] 1300 19 19 78 www.reachforth.com.au #HappyEaster #sydneymortgagebroker #reachforthwithdi #womeninfinance #WeAreInThisTogether

13.01.2022 The instant asset write-off threshold of $150,000 was due to finish June 30 but has been extended to 31 Dec 2020 . It was to revert to a $1,000 threshold for businesses with a turnover of less than $10 mill but the extension throws the net wider making it available to more businesses and can be for multiple assets The extension can have a positive impact on cash flow for businesses as it frees up cash via the immediate write off for equipment purchased and insta...lled and there is the benefit of the time extension if you were struggling to get it installed and ready for use b4 June 30. If you are a business owner make sure that you have been in touch with your accountant or financial adviser to make sure that all of your financial ducks are lined up - there are only 15 business days until the new FY ticks over 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~ #HomeBuilder #renovation #stimulus #renovationgrants #sydneymortgagebroker #homefinance #reachforthwithdi #mortgage #realestate #mortgagebroker #finance #homeloans #newhome #homeowners #refinance #refinancenow #homebuyers #refinances See more

12.01.2022 I got to see my Mum for the first time in about 5 months and spent the last couple of days with her and my youngest son in country NSW. She is nearly 90 and is doing well, but not being able to see her in person to see for ourselves has been hard for the whole family. The phone is just not the same. It was a relief to see her and to give her a not socially distanced hug and kiss, after all we aren't meant to be islands and all need each other. I hope that the relaxing o...f restrictions means that you have been able to see your loved ones too 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~ #family #weareallinthistogether #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance See more

12.01.2022 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~... #financialfitness #budgeting #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance See more

12.01.2022 Today's the day for a14km walk, shoes , smile , family support , now let's get walking for Wayside and THE LONG WALK HOME . Thank you for the support of the work they do and for your encouragement of me through your kind words and sponsorship. I will check in with an after shot later today

11.01.2022 Hi Friends, in light of mental health day yesterday - I have registered to participate in this fundraiser for the Wayside Chapel to commit to walk 28km in one week - the distance that a homeless person is estimated to walk in a week to access food , shelter and essential services. I am hoping to raise $500 to support the wayside Chapel's work in caring for people who are down on their luck or find themselves in this situation. "There but for the Grace of God Go I" . If you are able to put in a few $ for this cause that's great or even better you could also participate in the walk and garner support and awareness from your friends too for this. Registration is free and 28kms is do -able ( I think ) if we are not carrying all our worldly possessions with us! Thank you :)

09.01.2022 So many of us are feeling the pinch brought on by the virus so itis a good time to review your spending and make savings where you can. I can review your loan for your home loan or investment properties to see if savings can be made. [email protected] 1300 19 19 78 www.reachforth.com.au ~ ~... ~ #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homefinance #reachforthwithdi #womeninfinance #mortgages #mortgage See more

08.01.2022 [email protected] 1300 19 19 78 www.reachforth.com.au ~ ~ ~... #fridayfeels #happyfriday #yoga #workingfromhome #photooftheday #homefinance #reachforthwithdi #womeninfinance #mortgages See more

07.01.2022 If you are self employed ,a business owner ,a property investor or an employee there are a number of things you could do to prepare for the end of the financial year to provide a smooth transition to the new year. The full article is found in the link in the bio . Keep in mind - is general information and not specific to your circumstances - seek specific advice from your financial advisor / tax accountant for your circumstances. Areas to look at include * Income -... assessed for tax purposes on the basis of when your income is derived -relates to your basis of accounting ie cash or accruals * Debtors - are there a lot of old debtors on your balance sheet that are not collectible? It may be time to write those off if you are not likely to be paid . * Prepaying business expenses * COVID - 19 - Support for business and employers - have you reviewed all of the measures that Government is providing to support businesses and your eligibility - registered - check the cutoff dates etc . Speak with your accountant and review the link to the ATO here https://www.ato.gov.au//support-for-businesses-and-employ/ * Stock take time - June 30 - write off stock that is out of date or obsolete * Write off old assets that are obsolete - like old IT equipment * Super contributions - are your contributions up to date? - refer to the ATO website for more information on the contributions cap https://www.ato.gov.au//Key-superannuation-rates-and-thr/ Refer to the link in bio for the full article [email protected] 1300 19 19 78 www.reacforth.com.au ~ ~ ~ #EOFY #30June #endofyearplanning #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homefinance #reachforthwithdi #womeninfinance #mortgages #mortgagebroker #finance #homeloans #realestateinvestor #realestateinvesting #loans #home #mortgagespecialist #broker #newhome #homeowners #refinance #mortgagelife #refinancenow #refinancelender #homebuyers #refinances

07.01.2022 It is easy to lose track of where your money goes - particularly with the tap and go nature of transactions these days . Using a simple budgeting tool like the ones mentioned above or a cash flow tracker will allow you to keep check on spending - which is particularly relevant to us all right now. Once you have your head around what's what with your spending - sorting out your discretionary from essential, you can manage it more closely. A useful goal - if possible i...s to start saving for a security buffer in case you need it. 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~ #financialfitness #budgeting #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance See more

06.01.2022 At its meeting yesterday, the Reserve Bank of Australia (RBA) has kept the official cash rate at the record low of 0.25 % - it has been at this rate since March. RBA governor Philip Lowe said bank's "baseline scenario" was that the Australian economy contracted by 6 %t this year before growing by 5 % in 2021. It is watch and wait brief 1300 19 19 78 [email protected] www.reachforth.com.au ~... ~ ~ #sydneyproperty #investementpropertyfinance #homeloans #mortgagebrokersouthernsydney #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance See more

05.01.2022 With this new collaboration Australian businesses can search for the resources they need or submit what products or services they can offer. The purpose of this joint effort is to try and get the economy back on track. Shoutout to Salesforce, Google and PWC. Link in bio for more information about how Project Spirit could help your business on 1800 008 540 to check. 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~... ~ #projectspirit #sydneymortgagebroker #sydneypropertymarket #homefinance #reachforthwithdi #womeninfinance #mortgage #realestate #mortgagebroker #finance #homeloans #realestateinvestor #realestateinvesting #loans #home #mortgagespecialist #broker #newhome #homeowners #refinance #refinancenow #refinancelender #homebuyers #refinances 13h See more

05.01.2022 The new fy has ticked over and now is the time to get yourself set up for a fresh start to the new year. Forget new years resolutions as often (well for me anyway) they are short lived. Use the new fy as an impetus to make some positive changes in the way you approach your finances. We give attention to our diet, exercise and or personal goals. Why not set some new goals / steps in place to improve your financial outlook for the future? I realise we are in unprecede...nted times but small changes can have a big impact on your financial position and provide a level of comfort that you might not have had before. Some ideas are set yourself a realistic budget review your ins and outs and where you can cut back use an app to track your spending- check out ASICs moneysmart page with some suggestions get rid of credit card debt - work out when you would like to have that paid off by and divide it by the number of months and pay it off each month, imagine the feeling when it is gone develop a savings plan and stick to it - whether that's through having part of your pay paid into a separate account or extra super get your tax return done early and if a refund use it wisely or add to savings consider seeing a financial planner who can review your goals with you and work towards them with you review your insurances, do you have any or enough ? aim to build up an emergency fund - 3 months worth of expenses and in if possible 6 months expenses All of this is general advice but hopefully you can get something from it that will start you on a positive path for the new fy As always reach out to me to review your loand/ finances or to discuss 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~ #financialfitness #budgeting #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance

05.01.2022 Organise your receipts and records Make an appointment with your tax accountant to complete your tax return Tally up your allowable deductions Determine your assessable rental income Review your loans and finances... Start planning for the year ahead We can help you determine if you can access your equity to renovate, or perhaps expand your investment portfolio if youre in a position to do so. Remember, asking us to give you a free property investment loan health check could potentially save you money, so its worth giving us a call. 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~ #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homefinance #reachforthwithdi #womeninfinance #mortgage #realestate #mortgagebroker #finance #homeloans #realestateinvestor #realestateinvesting #loans #home #mortgagespecialist #broker #newhome #homeowners #refinance #refinancenow #refinancelender #homebuyers #refinances

03.01.2022 I had this text message sent through the other day from a contact who referred their friends buying a place . They were happy with the service I provided and it shows in the ,message. They are the kind of texts I like to receive. The best part of this job is helping people walk through the process of finance and navigate the steps involved using my professionalism and knowledge. I like to think of it as giving people a reassuring hand when entering something that can... be overwhelming . If you know me personally you will know that it is not my forte to blow my own trumpet but I thought this was worth sharing . It brought a smile to my face I would love the opportunity to do the same for you [email protected] 1300 19 19 78 www.reachforth.com.au #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance #mortgage #mortgagespecialist #mortgageexpert #mortgageadvisor #mortgageadvice #mortgagetips #mortgageconsultant #mortgagebrokers #mortgagehelp #mortgagebroker #mortgages #mortgageprofessional #mortgagerates

02.01.2022 Rates are at an all time low. Often when we have been with a bank for awhile the rate that we are on is not what is offered to new business. That is where your mortgage broker should be looking after you and asking your bank to review your rate to keep you as a customer. That's what I do for my clients. If youd like to discuss give me a call or drop me an email 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~... #financialfitness #budgeting #firsthomebuyer #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homesweethome #homefinance #reachforthwithdi #womeninfinance See more

01.01.2022 Repayment holidays unfortunately are not about pina coladas and gettin' caught in the rain , they are more about having a break from your mortgage repayments. Generally this is available to you as a borrower when you are ahead in your repayments and when a life event causes you to have to "press pause" on the repayments. Such life event as having a baby , or changing jobs or travel . In COVID - 19 days , the repayment holiday that is being offered by the Big 4 banks... as well as many of the smaller banks is allowing you to pause repayments for 3 to 6 months - without being ahead in your repayments. In a nutshell, the interest keeps accruing on the principal (called interest capitalised) but no interest is charged on the interest expense (ie not compounded) . Some lenders will want to check in with you after 3 months. At the end of the 6 months the loan balance is increased by the amount of the accrued interest added to the loan principal. The good news is that the repayment holiday will NOT affect your credit rating AND depending on your lender the loan term is extended by the length of the holiday (not all do this) - so you are not faced with higher repayments when the holiday ends. Shout out to WBC for announcing new coronavirus assistance measures. They are the first of the Big 4 banks to announce that they will allow their customers who are financially impacted by COVID - 19 to switch from principal and interest repayments to interest only or extend interest only loans for up to a year without undergoing a serviceability assessment . This is double the time announced under the original assistance scheme. It also recognises that customers impacted by COVID - 19 may want to the option of making some repayments during that time but also will need flexibility. If you have been impacted by COVID - 19 it is important to contact your bank as soon as possible. They will be able to help put in place a strategy to help you while you are coping with the current circumstances. I am also able to help you if you have any questions or assist with talking to your lender. See link in bio for blog with link to full article . 1300 19 19 78 [email protected] www.reachforth.com.au ~ ~ ~ #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homefinance #reachforthwithdi #womeninfinance #mortgages #mortgage #realestate #mortgagebroker #finance #homeloans #realestateinvestor #realestateinvesting #loans #home #mortgagespecialist #mortgageloans #broker #newhome #homeowners #refinance #refinancenow #refinancelender #homebuyers #refinances

01.01.2022 COVID - 19 has brought out some great aspects of community but also the darker side where some people have found it as an opportunity to take advantage of people particularly when they are in a vulnerable position financially . Don't be fooled and hand out personal or confidential information over the phone or online. If you are not sure whether an ATO call is legitimate, hang up and phone them on 1800 008 540 to check. 1300 19 19 78 [email protected] ...www.reachforth.com.au https://www.ato.gov.au//On/Identity-security/Scam-alerts/ ~ ~ ~ #covid19scams #sydneyrealestate #sydneymortgagebroker #sydneypropertymarket #homefinance #reachforthwithdi #womeninfinance #mortgage #realestate #mortgagebroker #finance #homeloans #realestateinvestor #realestateinvesting #loans #home #mortgagespecialist #broker #newhome #homeowners #refinance #refinancenow #refinancelender #homebuyers #refinances See more