James Murphy | Consulting agency

James Murphy

Phone: (M) 0413 122 594 & (P) 07 3889 1904 (prefer mobile)

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25.01.2022 Would you like to update your home and opt for something more bold? Add a touch of drama by incorporating patterns in your home like a pro! https://bit.ly/3mxN5Ek

25.01.2022 Many people are wondering what is the best thing to do if their family member or themselves get a cold? Well here is an article answering that exact question! https://ab.co/31dsttn

24.01.2022 Are you staying at home and still struggling to save money? Saving money can be a difficult process but here are some tips that might help you. https://bit.ly/37Y5QdS

24.01.2022 Are you avoiding putting your Christmas tree up due to a tangled mess of tinsel and baubles? Well here are three simple steps to help declutter your decorations. https://bit.ly/39CAnAE

23.01.2022 Are you on the market for a home loan and have been given "advice" from friends and family about what's true and what's not? Here are the most common myths debunked about home loans. https://bit.ly/3cMdJW8

23.01.2022 For those still looking to get into the market or refinance. https://bit.ly/2YiC3JU

23.01.2022 Are you worried to continue or start a home renovation? Here's how you can still achieve your dream home. https://bit.ly/2EAP9uB

23.01.2022 Does your energy bills rise every winter and summer? Are you looking for alternate sources? Why not give this a go! https://bit.ly/3hsgOw9

23.01.2022 For many Australians, mortgages are their greatest debt to accomplish, and since they last about 30 years, we want to help you to pay them off sooner rather than later! https://bit.ly/36zo4TK

22.01.2022 The most expensive renovations, is usually the kitchen. If it is not in your budget for demolition and starting from scratch, here are a few other options. https://bit.ly/34zZ7af

22.01.2022 Are you looking to update and modernise your kitchen but don't want to go through the entire process of a renovation? Here are a few tips to help you spice up your kitchen! https://bit.ly/3jQcnNf

21.01.2022 Choosing colours for a home can be frustrating for a homeowner. With that being said, here are five colours that will stand through time and trends. https://bit.ly/3l6anjB

21.01.2022 As mortgage repayments are exiting their deferral period, Australians are looking towards smaller lenders to continue or start their new mortgage. https://bit.ly/2QuJYPw

21.01.2022 With the second wave of COVID-19 making waves, the Reserve Bank of Australia has decided to keep the official cash rate at an historic low of 0.25%.

21.01.2022 The pandemic has been stressful for everyone and it is important to know how to deal with your wellness and stress levels. https://bit.ly/2PdGJLn

20.01.2022 As the warm season is approaching, many people are looking at getting back into an exercise routine. After months of being indoors, here are useful tips to slowly get back into your routine. https://ab.co/30mdZX2

20.01.2022 If you're looking at adding new colours in your home and just don't know where to start, maybe it will be best to find out what your colour persona is? https://bit.ly/3cI6oXK

20.01.2022 In a historic decision the RBA has cut the official cash rate by 15bps to 0.10%.

19.01.2022 $25k FEDERAL BUILDING BOOST Please be advised that In Qld the $25k Building boost has not yet been formalised by the Qld government, hence lenders are NOT at the moment taking this boost into consideration as funds to complete in loan applications. I will update when this has been resolved .

18.01.2022 While the property sector seems to be dropping, the renter's market shows a different story. This could lead to a major price hike in rental properties. https://bit.ly/3jhDIXt

18.01.2022 The cold affects some people more so than others, but we need to make sure we keep safe among the electrical dangers. Check out how to avoid costly winter hazards: https://bit.ly/2Zp3mmn

18.01.2022 The Reserve Bank of Australia has decided to hold the official cash rate at 0.25bps while maintaining current policy targets. http://ow.ly/CYdR50AroeC

18.01.2022 Are you tired of staring at the same four walls and just need a change? Here are a few simple swaps that can help you refresh your interior! https://bit.ly/3dqgzio

17.01.2022 What is happening with mortgages during COVID-19? Some banks are freezing payments. Here's how to check if your bank is apart of this scheme: https://ab.co/2TmzIub

17.01.2022 FIRST HOME LOAN DEPOSIT SCHEME Today, the National Housing Finance and Investment Corporation (NHFIC) will release 10,000 First Home Loan Deposit Scheme places to our participating lender panel for the 2020-21 financial year. Please find below key information regarding the new Scheme places. General About the Scheme The First Home Loan Deposit Scheme is an Australian Government initiative to support eligible first home buyers purchase their first home sooner. Usually, f...irst home buyers with less than a 20 per cent deposit need to pay lenders mortgage insurance. Under the Scheme, eligible first home buyers can purchase a modest home with a deposit with as little as 5 per cent (lenders criteria also apply). This is because the Australian Government guarantees to a participating lender up to 15 percent of the value of the property purchased that is financed by an eligible first home buyer’s home loan. There are currently 27 participating lenders across Australia offering places under the First Home Loan Deposit Scheme. 44% of applications for the 2019-20 financial year were made through mortgage brokers. 2020-21 FHLDS Scheme places NHFIC will release another 10,000 Scheme places to NHFIC’s participating lender panel for the 2020-21 financial year from 1 July 2020. Eligible borrowers must have a taxable income of no more than $125,000 for individual applicants and no more than $200,000 for couple applicants. Taxable income is assessed using the Notice of Assessment from the previous financial year as evidence of taxable income. From 1 July 2020, applicants need to provide their Notice of Assessment for the 2019-20 financial year, ending 30 June 2020. Borrowers are encouraged to organise their tax return for the 2019-20 financial year as soon as possible after 1 July. First home buyers applying for a Scheme place for a land and separate build contract now have up to six months to enter into an eligible building contract. Useful links Eligibility criteria Participating lender panel Case studies of first home buyers Frequently asked questions Attachments Updated First Home Loan Deposit Scheme fact sheet Updated First Home Buyer Declaration form Media release

17.01.2022 Now that summer is blazing through, the socialising begins! Turn your shed upside down for a new place for family and friends to relax with a cocktail! https://bit.ly/37vyByQ

17.01.2022 Are you looking to declutter your bookshelf? https://bit.ly/3cPhEAF

15.01.2022 If you're a new home buyer intending to access the HomeBuilder grant, there's one detail you may not know about. https://bit.ly/31erkjV

14.01.2022 Are you scared to see debt pile up? Maybe it's rent, student loans or credit cards? Here is how to recognise the difference between good and bad debt: https://ab.co/3e61145

14.01.2022 During COVID many people spent more time in their kitchens than ever before, so now here are a few DIY tips you might be interested in doing! https://bit.ly/2Yt9cCq

14.01.2022 Even though 2020 has not been the greatest year to date for individuals, it has been a great year for home maintenance. If you love plants but aren't sure on how to care for them, this is for you! https://bit.ly/3gC25gJ

14.01.2022 Are you thinking of selling your home? Here are five upgrades that are quick and simple to make your house look more appealing to buyers. https://bit.ly/33Fyboj

14.01.2022 With Christmas dinners and luncheons approaching near, it is clear that we need to declutter all that we fear! Take a tip or two from these 7 steps to declutter your home, and start a new clean slate in time for next year! https://bit.ly/37oHOJa

13.01.2022 Don't stick to a strict colour scheme and don't paint first: Common DIY mistakes to avoid. https://bit.ly/2zzvxEp

13.01.2022 Have you been considering refinancing your home loan? So are many other Australians, here is why. https://bit.ly/2CZUWcq

12.01.2022 Are you looking to buy or build your first home but you're struggling to decide which suburb to pick? Maybe this article can help guide you? https://bit.ly/3jl7MC1

12.01.2022 Amongst COVID-19, many people were lucky to work from home and keep their jobs. If you are still working from home, here are some cleaning tips and DIY hacks for your office space! https://bit.ly/2Vgv81K

12.01.2022 Is now the time to buy or refinance? https://bit.ly/3qn1SUT

12.01.2022 The Australian economy has been hit hard due to the coronavirus, and it has sent our country into a recession. However, premium properties and new car purchases have remained steady. https://bit.ly/34CYBYF

11.01.2022 As the new 2020-21 federal budget was released, you might be curious as to how this budget will affect the property market. Here is an insight on the changes coming into place. https://bit.ly/2G6euxk

11.01.2022 Are you a renter or landlord struggling amid the COVID-19 hardship? Here is an idea of what is to come: https://ab.co/36fSw3A

11.01.2022 Banks have deferred the mortgage repayments of well over 400,000 borrowers in response to the COVID-19 pandemic, equating to one in 14 of all home loans, according to the Australian Banking Association.

11.01.2022 Not a fan of the gym? No worries! Here's an exercise routine to do without ever leaving your home. https://bit.ly/2P74G79

10.01.2022 The property market in Australia has changed! It comes down to the old capital vs country, as the rural hubs outperform their capital cities! https://bit.ly/37RAPdA

10.01.2022 Before thinking of taking out your first mortgage, make sure you pass these 5 money tests. Check to see if you pass the test: https://bit.ly/36icpHc

10.01.2022 Are you still working from home? Why not spend your free time creating a more homely space for yourself during these trying times. http://ow.ly/3pGc50ALTQ7

10.01.2022 M5 East was once toll free, but now the suburbs that have been hit the hardest will need to pay a fee. Do you travel along this road? https://ab.co/31ecICp

09.01.2022 Are you one of the thousands of Australians who have frozen their mortgage repayments? Here are some alternatives that you might not have considered. https://bit.ly/2BEHREK

09.01.2022 Even though we are living through a pandemic, it doesn't mean you should give up on the small opportunities... like your credit card rewards! https://bit.ly/2YvAeJp

08.01.2022 Are you a first home buyer in NSW looking for possible ways to save thousands of dollars on your new home? https://bit.ly/30dv1XM

08.01.2022 Are you in need for comfort food? Are you a pizza fanatic but know your home oven won't do it justice? Well here is a simple and tasty recipe of homemade focaccia! https://ab.co/2AY7Zuc

08.01.2022 Are you in the process of looking at the rental property market and you just don't know what is the most reasonable price? Here is a way to help you out. https://bit.ly/3lgsjct

07.01.2022 Are you having a restless sleep? Is it from stress or maybe discomfort? Snooze the better way with some tips to help you sleep. https://bit.ly/2VexZbo

07.01.2022 Are you looking into selling your property and are stuck on how to get started? To make your experience easier on yourself, here are 4 tips on things NOT to do when selling. https://bit.ly/3n3MgE9

06.01.2022 Are you looking to spruce up your indoor decor and are just missing those extra greens? Here are some interesting and inexpensive indoor plants that you might want to take a look at. https://ab.co/2SdgnLb

06.01.2022 6 months since a historic cut, the RBA is in no hurry to change the official cash rate. Here's why. https://bit.ly/2EA4Cvf

06.01.2022 Take a few steps back and consider all your options. https://bit.ly/2Juje1A

05.01.2022 Are you in the process of selling your home and you just can't figure out where to start? Here are a few tips to help with the stress of selling. https://bit.ly/32wrnYC

05.01.2022 Hi Everyone, Another financial year is done and dusted, so now is the time to start preparing all your documentation required for completing your 2020 tax return. ... I work closely with the amazing team at Acquire Strategic Accounting, who have over 20 years’ experience in delivering an exceptional service tailored to your needs. They specialise in individual tax returns and their tax return appointments start from just $99 for up to one hour. As a valued client I wanted to share with you a special offer from Acquire Strategic Accounting. If you book your 2020 individual tax return appointment by the end of October with them you will also receive a FREE personalised Tax Reduction Strategy Review valued at $299 if your income is over $75,000 per annum. The team at Acquire Strategic Accounting are making it easier than ever to process your tax return by offering you the option to book an online appointment via zoom. If you would prefer, you are still able to have a face-to-face appointment with their accounting team at their Morningside office. To book your online or in-person consultation today with one of their experienced accountants you can: Phone the team on 3899 9934 Email them at [email protected], or Visit www.acquirestrategicaccounting.com.au Please mention Select Home Loans when you book your appointment, so the team know I sent you their way! I hope you are all well and safe.

05.01.2022 The RBA have left the official cash rate on hold despite speculation mounting for a possible drop.

05.01.2022 Whether you're designing your new home or renovating your current one, bathroom designs can become very particular. Here are some bold new trends to check out: https://bit.ly/3cRcOTJ

04.01.2022 During the time we all spent at home, new hobbies peaked our interest. Growing your own veggie patch has probably crossed your mind! Here are some tips for growing the greenest, greatest, vegetables! https://bit.ly/3mBliTr

04.01.2022 Are you desperately in need of a holiday? Here are 7 of the best road trips to take in Australia! https://bit.ly/3qovUYk

04.01.2022 Trying to figure out if downsizing your home is the right step for you? Here are some things to consider: https://bit.ly/2Zqdqf0

03.01.2022 The JobKeeper payment seems to be confusing employees who aren't sure of their entitlements. Here is what two employment experts have to say: https://ab.co/2yl79pP

02.01.2022 With the extra time you have due to the pandemic, start doing those little things that will spruce up your home. Whether it is for you renovating, or you adding value to you home. https://bit.ly/34AyX7j

02.01.2022 With warm weather approaching us, treat friends and family to a fun outdoor entertainment area. If you want to add a dose of beauty and creativity here are some ideas for you! https://bit.ly/3ov9W50

02.01.2022 The kitchen is often referred to as the soul of the home, where people enjoy each other with their love of food. If your kitchen is looking for a touch of luxury and boldness, here are a few ideas that can help you! https://bit.ly/3oDdFxC

02.01.2022 Have you been looking for a way to unwind and think reading is the way to go? Here is a few reasons on why fictional storytelling can change your life. https://ab.co/36kteU4