Money Talk

5 Tips to shave years off of your mortgage

Every homeowner loves the idea of becoming mortgage-free faster and paying less interest in the lead up to that landmark event. Fortunately, there are some easy steps you can take to get there sooner – whether you’ve just got your first home loan, want to increase your property equity or

Read More

How To Buy A Home When You’re Self-Employed

Self-employed borrowers come up against the challenge of not being able to simply present payslips and tax returns to back up their loan applications. But this need not stop you buying your dream home. Many lenders offer loans for self-employed borrowers who can’t hand over payslips and employment records. This

Read More

How to improve your business’s cash flow

You already know the importance of maintaining consistent cash flow. Did you know that your business’s assets can be the solution? If your business’s cash flow is stifling its success, it’s time to look for a solution. Simple steps such as negotiating longer payment terms with suppliers and shorter terms

Read More

Pandemic-driven savings have helped improve financial wellbeing

The median savings balance of Australians has soared 42 per cent compared to before the pandemic. Australians’ financial wellbeing remains higher than it was pre-pandemic despite dipping late last year, according to research from the Melbourne Institute and Commonwealth Bank. The average observed financial wellbeing score, which combines five major

Read More

ANZ breaks free from home loan packages

The bank will no longer sell its Breakfree home loan package, which led to a $25 million fine late last year. ANZ has announced it will no longer offer its Breakfree home loan package from next month in a change that has been pitched as responding to customer demand for

Read More

Succeed by staying healthy

Whether you are aware of it or not, your health plays an important role in how you run your business, writes James Short. In fact, it affects all aspects of your life and not just limited to your business endeavors. You might be tired of hearing and reading about how

Read More

Five Things First Home Buyers Need To Know

Before you decide to purchase your first property there are a number of things to consider, including your current personal circumstances and financial status. 1. Think about why you want to buy a home Do you want to live in it or will it be an investment property? This can

Read More

Why location is key in real estate

For property investors, growing wealth depends on rental income or capital gains, and these are both anchored on the popularity of a property’s location among tenants and buyers. This is why it’s essential to know what makes the location of a property in demand to your target clients. Based on

Read More

How to secure equity finance

Businesses need capital if they are to grow, and sometimes need finance solutions to raise capital. If you are unable to raise capital through a loan, equity may be an alternative solution. “Equity can be a very good solution for businesses where they need capital to grow,” says an MFAA accredited

Read More

Six practical tips to maximise your savings in 2022

Have you ever wondered how much money you can save in a year? It’s a particularly interesting question when you’ve reached a certain stage in life, for example, if you’ve started to draw-down on your super or get the age pension. You may find that younger people make the false

Read More

A property report can help you pay the right price

When you fall in love with a property, it’s possible to get carried away and pay too much. But a property report can help you strike a balance between your heart and your head. After dozens of uninspiring open houses, you finally stumble across a place that just feels right

Read More

Home loan affordability suffered a record decline in 2021

Surging house prices combined with limited wage growth resulted in the biggest fall for home loan affordability on record. The latest Home Loan Affordability Index from Bluestone Home Loans has confirmed 2021 was the worst year for home loan affordability on record with an annual decline of 14.5 per cent.

Read More

Watching our online and social spending

The changes to our daily lives of late have caused us to reframe our views on ‘screen time’, an activity that now more than ever takes up a significant proportion of our day. However, as we spend more time online we are also spending more online and it pays to

Read More

More support added for first home buyers

From July, first home buyers will be able to access more of their voluntary super contributions to buy a home. Aussies planning to buy their first home stand to benefit from a number of changes to superannuation that have now been passed by Parliament. As originally unveiled in last year’s

Read More

How are interest rates and property prices related?

With interest rates set to rise, experts have looked at potential impacts on property prices. Rising interest rates have historically led to weaker home values, potentially setting the stage for falling prices within the year. Analysis by CoreLogic found that interest rates and the national property values had a significant

Read More

What is the difference between remote and virtual?

Increased connectivity allows companies to expand their workforce across the globe to create teams whose members may work from remote locations and across different time zones. Here we explain the aspects that differentiate virtual teams and remote teams. Remote v virtual Remote working and virtual working arrangements are both work

Read More

2022 money: How to set smarter goals to get ahead

The term goal must be one of the most overused, abused and least successful words in the English language, especially in the corporate world. It’s why I prefer the less ambiguous term ‘target’ because when we are seeking to make the most of our financial lives it makes more sense.

Read More

Investing in property with a limited deposit

The Australian property market is a national obsession. It’s a popular topic around the barbeque, with bricks and mortar remaining one of our best loved investments. It’s little wonder, given the potential for providing a solid ongoing rental income and recent rises in property prices providing some optimism as to

Read More

Contact us for an obligation free consultation

Talk to a Centra Money Adviser today!

Centra Money Scroll to Top