To all our terrific clients: thank you for your ongoing support and for being such wonderful, loyal clients.
We are always so appreciative of any opportunities – be they big, small, or anywhere in between!
Life has thrown many of us all sorts of challenges these past two years, so we hope you’re shifting into holiday mode and getting ready to relax and unwind (or looking forward to a few public holidays at least!).
Whether you’re planning to feast alongside family and friends you haven’t seen in a while, or go on a long-overdue holiday somewhere a little more exotic than your local park, we hope you have a Merry Christmas and Happy New Year!
It’s been an absolute pleasure and an honour working with you towards your lifestyle and business goals in 2021. We look forward to helping you towards a prosperous 2022!
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
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Want to buy your first home with a deposit of just 5% and pay no lenders’ mortgage insurance? You could be in luck – the federal government will soon reissue up to 4,651 unused Home Guarantee Scheme spots.
First home buyers who use the Home Guarantee Scheme fast track their property purchase by 4 to 4.5 years on average, because the scheme means they don’t have to save the standard 20% deposit.
The government usually issues spots in the scheme once a year (July 1), but this time it’s reissuing guarantees that went begging earlier.
The government states the scheme will reissue “up to” 4,651 unused guarantees for first home buyers from the 2020-21 financial year.
It adds many of the spots have been unused because of COVID disruptions, but it’s unclear exactly how many guarantees will be made available.
It’s also unclear exactly when the spots will be reissued, with the government entity overseeing the scheme – the NHFIC – saying it’s working with its panel lenders and “looks forward to reissuing unused guarantees soon”.
All in all, that means we’re going to have pretty short notice of when these spots officially become available to apply for, and they could be in short supply.
So if the guarantee is something you’re interested in, you’ll want to get in touch with us today so we’re ready to act when the spots do drop.
Ok, so the Home Guarantee Scheme is broken up into three separate schemes: two for first home buyers, and one for single parents called the Family Home Guarantee scheme.
At this stage, it’s believed (but not confirmed) that the reissued spots will mainly be for the first home buyers through the New Home Guarantee scheme (new builds) and First Home Loan Deposit Scheme (includes existing builds).
These two schemes allow eligible first home buyers to build or purchase a home with only a 5% deposit, without forking out for lenders’ mortgage insurance (LMI).
This is because the federal government guarantees (to a participating lender) up to 15% of the value of the property purchased.
Not paying LMI can save buyers anywhere between $4,000 and $35,000, depending on the property price and deposit amount.
There are price caps on eligible properties, ranging from $950,000 for new builds in Sydney, Newcastle, Lake Macquarie and Illawarra, down to $350,000 for existing properties in regional South Australia.
A full list of the price caps can be found here.
With these schemes, allocations are generally granted on a “first come, first served” basis.
And it’s worth re-iterating that spots this time will be limited and will likely fill up fast.
So if you’re a first home buyer looking to crack into the property market sooner rather than later, get in touch today and we can explain the schemes to you in more detail.
And when the reissued spots become available, we can help you apply for finance through a participating lender.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
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Ever thought about taking out a loan for your business but hesitated because you were worried about meeting your repayments? Don’t worry, it’s a common concern. But some promising data has just come out that might help you put those fears aside.
You gotta spend money to make money, so the saying goes.
But what if your business’s cash flow has been heavily impacted this year due to COVID-19? What options do you have at your disposal?
Well, according to the Australian Banking Association’s latest report, $10 billion in new lending was made to small businesses in the three months to August 2021 – a 26% jump ($7.9 billion) on last year.
Which means as many as 50% of SMEs now hold a borrowing product of some sort.
So while taking out finance for your business might feel daunting, rest assured it’s something most businesses do, and there are a range of different finance products and options available to suit businesses of all shapes and sizes.
So, here’s the good news.
Despite the difficult business conditions during 2021, just 1-in-6 small businesses (16%) found it difficult to meet their financial commitments.
That’s opposed to 41% of SMEs that found it “easy” or “very easy”, while 36% were indifferent.
And many of these businesses are taking out finance to help keep their doors open and operations running smoothly.
The top reason small and micro businesses gave for recently seeking finance was to ‘maintain short-term cash flow or liquidity’ (about 50%), while the second most common reason was to ‘ensure survival of the business’ (about 40%).
Replacing, upgrading or purchasing equipment or machinery came in third (20-30%).
The SME lending space is an evolving one, with a surge of new lenders and products recently hitting the market.
And as brokers, we’re constantly upskilling and learning to make sure we stay abreast of the expanding options available to small business owners.
So if you’re an SME owner who might be in need of funding, get in touch today.
The sooner we can discuss your options with you, the better placed your business can be to hit the ground running in 2022 and thrive beyond.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
Christmas is fast approaching and there’s a good chance you’ve started turning your attention to gifts for family and friends. But be careful this silly season: more than half of Buy Now Pay Later (BNPL) customers are struggling to pay day-to-day living expenses.
Christmas and overindulging: name a more iconic duo.
But one temptation to avoid indulging in this silly season is BNPL services such as Afterpay and Zip.
There are more than 5 million active BNPL accounts in Australia, which make up about 20% of online retail transactions.
And a new report by Financial Counselling Australia has revealed BNPL debt is causing significant financial stress to users who have overcommitted to the products.
The BNPL report, titled “It’s credit, it causes harm and we need safeguards”, shows 61% of financial counsellors say most or all their clients with BNPL debt are struggling to pay day-to-day living expenses.
“Financial counsellors are seeing people with multiple BNPL debts. They are really concerned that so many clients are using the product to cover essentials like food, medications and utility bills,” said Financial Counselling Australia CEO Fiona Guthrie.
“This is very worrying, especially as we head into Christmas which is traditionally a time of heavy spending. Buy Now Pay Later could leave people with a financial hangover come January.”
These days, BNPL can be used for small purchases such as a pair of shoes, to a night out at the pub, to larger purchases of up to $30,000 for cosmetic surgery or solar panels for your house.
“And as the market grows, financial counsellors are seeing more clients with BNPL debt.
“84% of financial counsellors surveyed said that about half, most or all clients presented with BNPL debt now. This compared to just 31% a year ago,” says Ms Guthrie says.
And it’s a trend that has the federal government worried – this week Treasurer Josh Frydenberg announced plans to reform and tighten the rules around new digital payment systems, including BPNL and cryptocurrencies.
While financial regulators and credit reporting agencies have been caught a little flat-footed by BNPL, one of the three main credit reporting agencies in Australia, Equifax, recently announced that BNPL accounts and transactions will be included in credit reports from 24 July 2021.
And most (if not all) lenders pay attention to whether or not you use BNPL services when they’re assessing your home loan application.
That’s because BNPL is still a credit liability that needs to be disclosed when applying for a home loan.
So if you have any doubts about whether a BNPL purchase might affect your ability to secure a home loan – or pay off your existing one – then feel free to get in touch.
We’re all about the Christmas cheer around here, and there’s nothing more cheerful than not suffering from a BNPL financial hangover once the silly season has come to an end.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
Ever thought about buying a property with a friend or family member? You’re not the only one. The rising cost of property and FOMO has led to more than a quarter of Australians considering buying a property with a ‘non-traditional’ partner.
Most of us long for a place to call our own.
But what do you do if the price of your dream home seems to be rising out of reach?
Well, more and more young Australians are shedding the “mine” mentality, and adopting the “ours” approach in order to get a foot on the property ladder.
In fact, according to a 1,000 person nationwide survey by CommBank, a quarter of home buyers have considered buying a property with their mates, siblings or parents because of increasing concerns about housing affordability.
And this co-ownership mentality is being strongly driven by the fear of missing out (FOMO), with 35% of respondents admitting to being bitten by the FOMO bug.
In a nutshell: housing affordability, with more than 60% of survey respondents worried about being priced out of the market.
Other driving factors for teaming up with a mate or family member include being able to buy a bigger and better property, as well as spreading the financial risk if anything goes wrong.
And then there’s additional pressure from family and friends!
More than 4-in-10 prospective buyers admitted to feeling pressure from friends/colleagues who have already bought, or their parents/family who want them to buy.
So, if purchasing a property with family or friends is a viable option, why don’t more people do it?
Well, that’s because there are a number of challenges involved.
For example, the vast majority of respondents said they harboured concerns about putting their relationship with a family/friend under strain/pressure.
Meanwhile, 1-in-10 respondents didn’t even know co-ownership with friends or family was possible.
Another hurdle is that co-buying and co-owning can be a more complicated process.
But rest assured that if it is possible and suitable for you, we can help guide you through it, including making sure that all involved parties are across their financial and legal obligations.
Co-ownership with friends or family, or having a parent go guarantor for you, isn’t suitable or possible for everyone.
But there are people out there for whom it might be a good fit.
If you think that could be you, and you want to learn more, then please get in touch.
We’d be happy to run you through a number of possible structured options and opportunities, as well as the challenges, hurdles and pitfalls you’ll want to consider.
And if co-buying doesn’t look like a good fit for you, we can run you through a range of other buying options – including federal government schemes – that might be more suitable.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
The summer trading season poses a raft of tricky cashflow and stocking challenges for retailers at the best of times, let alone following a global pandemic slowdown. But if done well it can set your business up nicely for the good times ahead.
Ahh summer, how we’ve longed for you – especially this year as much of the nation reopens its stores and borders following another winter of lockdowns.
But there’s just one (more) challenge facing many business owners this year.
Fewer than half (49%) of Australia’s small businesses have the trading stock in place to make the most of the end of lockdowns, according to research by small business lender OnDeck Australia.
And to make stock ordering matters even more tricky, 44% of small businesses say their cashflow has suffered as a result of lockdowns.
The findings aren’t too different from a recent Prospa survey, which found that 37% of SMEs required access to finance to ride Australia’s reopening wave, with the average amount of financing $46,000 per business.
For SMEs less than five years old, that figure jumps to $58,000.
The top reasons cited in the Prospa survey for requiring additional funds included purchasing tools, equipment, or machinery; restocking inventory; and investing in digital software.
The Prospa survey also found that 87% of respondents feared opportunities could be missed without access to additional finance.
Mr Nick Reily, National Partnerships Manager at OnDeck Australia, said with the pandemic continuing to create significant disruptions to global supply chains, cashflow can be critical for small businesses in the re-stocking process.
“Today, businesses need to be able to act fast, and order stock well in advance given possible delays in procurement,” he explains.
“When businesses have appropriate cashflow funding in place, they are in a strong position to have conversations with alternative suppliers if their regular supplier cannot have stock to them on time.”
If you think you might have a gap in your business’s cashflow over the months ahead, then it’s important to start considering your funding options before the summer trading season really heats up.
The sooner we can take you through your options, the better your stock levels can be ahead of the Christmas and new year period!
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
You’ve probably noticed that house prices in Australia consistently outstrip growth in wages. But by how much? And what can you do to make sure you’re not forever chasing the great Australian dream?
Each generation faces its own unique set of challenges (and opportunities!).
And for the current crop, one big challenge can be breaking into the property market. Especially when you’re competing against older generations that have had at least a decade (or two, or three) headstart on the property ladder.
That’s not to say it can’t be done. Far from it. But it does require good planning, discipline, and motivation to stick to a plan.
Because historically speaking, and as you’ll see below, the longer you leave it, the harder it is to keep up.
Over the past year there was a 2.2% annual increase in the Australian wage price index (WPI) – just short of the decade average growth of 2.4% – according to the Australian Bureau of Statistics.
Meanwhile, Australian housing values have jumped by more than 20% over the past year.
But hey, that’s just one year – and an absolutely bonkers year at that.
Let’s look at the trend over the past two decades to give us a clearer picture.
Over the past 20 years, wages have increased 81.7%, while Australian home values have grown 193.1%, according to this CoreLogic cumulative growth graph.
And here’s a state-by-state breakdown. As you can see, Tasmania has the biggest disparity between wages growth (79.6%) and house price growth (294%), followed by ACT, Victoria, NSW and then Queensland.
In short? It’s becoming tougher to save for a house deposit.
In the year to October, a 20% deposit on the median Australian dwelling value has increased by $25,417 to a total of $137,268, according to CoreLogic.
“With wages increasing just 2.2% in the year to September, it is difficult for household savings to keep up with this kind of increase,” explains CoreLogic’s Head of Research Eliza Owen.
“This tends to lead to less demand from first home buyers through periods of rapid property price increase.
“Another important implication of high house prices relative to subdued wages growth is lower purchasing power when it comes to mortgage serviceability over time.”
Well, besides demanding a big pay rise from your boss, rest assured there are a number of options at your disposal.
For first home buyers, most states offer grants and stamp duty concessions/exemptions to help give you a leg up.
There’s also a number of federal government options, including the popular First Home Loan Deposit Scheme and New Home Guarantee initiatives, which on average enable first home buyers to make their home purchase 4 to 4.5 years sooner.
That’s right – 4 years sooner!
Then there’s the First Home Super Saver scheme, which allows you to save money for a first home inside your superannuation fund, which helps you to save faster due to the concessional tax treatment that super offers.
And for those of you looking to purchase an investment property, rest assured that there are ways to leverage the equity in your existing property to help you grow your portfolio.
So if you want to become less dependent on your annual wage for your wealth and retirement, and more invested in property, get in touch today.
We’d love to sit down with you and help make a plan to suit your current situation.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
Whether you’re looking to buy, sell or hold, there’s a good chance you’ve wondered whether the property market will tumble when interest rates rise, right? Today we’ll look at what happened to house prices when interest rates were hiked in the past.
Past performance does not predict future results – we’ve all heard that before.
But it’s also said that an understanding of history can help us prepare for the future.
So with all the recent talk of the Reserve Bank of Australia (RBA) increasing the cash rate in 18 months (or so), and fixed rates already going up as a result, now’s an important time to look at what has happened to property prices when interest rates rose in the past.
History suggests that interest rates do not force property markets into booms or busts, rather it’s often affordability, local economic conditions, consumer sentiment, or access to lending that does, according to a Property Investment Professionals of Australia (PIPA) analysis.
The PIPA analysis looks at the six periods of increasing cash rate movements since 1994, and the corresponding national house price movements, which we’ve summarised below:
June 1994 to December 1994: Cash rate increase: 2.75%. House price increase: 1.1%.
September 1999 to September 2000: Cash rate increase: 1.50%. House price increase: 7.5%.
March 2002 to December 2003: Cash rate increase: 1.00%. House price increase: 35.7%.
March 2006 to December 2006: Cash rate increase: 0.75%. House price increase: 8.4%.
June 2007 to March 2008: Cash rate increase: 1.00%. House price increase: 8.9%.
September 2009 to December 2010: Cash rate increase: 1.75%. House price increase: 10.5%.
Well, for starters, for those holding out for a cash rate rise in the hope of buying during a price dip, history is not on your side – not once did house prices fall during the above periods.
PIPA Chairman Peter Koulizos says the strength or weakness of property markets is often influenced by more than just cash rate adjustments.
“There has been much conjecture over the past 18 months that record-low interest rates are the singular reason why property prices have skyrocketed, when the cash rate was already at a former record low of 0.75% before the pandemic hit,” Mr Koulizos pointed out.
“There are clearly a number of factors at play, including some buyer hysteria I’m afraid to say, but one of the main reasons for our booming market conditions is easier access to credit, which was simply not the case two years ago when rates were also low.”
The RBA doesn’t seem overly concerned about borrowers being able to afford their mortgages when the cash rate rises.
RBA assistant governor (economic) Luci Ellis recently told a parliamentary committee that the majority of borrowers were paying off more of their home loans than required by their contracts, particularly during COVID.
“People have been socking away money in offset accounts and redraw accounts during this period. And particularly where you had lockdowns, some people were not spending as much as they ordinarily would,” Dr Ellis explained.
“If and when rates do eventually rise, a lot of people will not actually need to raise their actual repayment, because they’re already paying more than they need to.”
It’s a sentiment shared by Mr Koulizos: “While we don’t expect rates to rise for a year or two yet – and when they do, they are unlikely to ramp up rapidly – the monthly mortgage repayments on an (average) $574,000 loan may increase by about $73 per week if the interest rate increased one percentage point.”
The moral of the story? You don’t have to sit around and wait for a cash rate increase to make your next move.
If you’re looking to crack the property market with your first purchase, get in touch today and we can run you through a number of government schemes that can help make it easier for you.
And if you’re already a homeowner and are concerned about what an increase in the cash rate might mean for your current mortgage (or next purchase), we’d be happy to run you through a number of options available, which could include fixing your rate, or putting extra funds into an offset account in advance.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
When you pay a supplier or service provider, are you certain you’re paying the right account? You’ve got to be super careful these days, as scammers are compromising inboxes and requesting payments to a new account. Here’s how to protect your business and its customers.
It’s Scams Awareness Week 2021, and over the past year scams have hit Australian businesses hard, resulting in $128 million in losses.
And as alarming as that is, one-third of people who are scammed never tell anyone, so the true numbers are probably much higher.
Perhaps the most dangerous scam this year is “spoofing”, which involves scammers compromising a business’s email correspondence by imitating either your, or your customer’s, email account or website.
The scammers then email you, or your customers, requesting that payments be made to a new account for all future invoices.
The unsuspecting business or customer then makes the payment – in this example $10,000 – not realising they’ve paid the scammers. This not only costs the victim money, but disrupts business cash flow and operations too.
While spoofing is on the rise, there are some simple steps you can take to make sure your business and its customers are sending money to the correct account.
“If you have staff, talk to them about this scam to make them aware of how it works and what to look for if they are targeted,” warns small business ombudsman Bruce Billson.
Small businesses are also being encouraged to register for PayID, use BPAY, or implement e-invoicing when paying or receiving payment for invoices to help beat scammers.
That’s because these payment services will show who you’re paying before you pay, ensuring money is going to the intended account.
“PayID for example is a unique feature that will help prevent scams for individuals and businesses,” explains Australian Banking Association CEO Anna Bligh.
“Unlike paying to a BSB and account number, PayID gives the user the ability to confirm the name of the account holder before you transfer your funds.”
And the good news is that PayID is easy to register for and use.
So far, there are more than 8 million PayID’s registered across Australia, many of which are for businesses.
“As banking becomes more digitalised, no longer do customers prefer to sign a cheque or pay with cash. As a result, we all need to be more cautious about scammers and utilise services that ensure our money is being sent to the right business or individual,” Ms Bligh said.
Other steps to protect your business from scammers are to use services such as two-step authentication where possible, and double-check the authenticity of webpage links before you click.
“These are easy and simple steps to protect yourself from these very costly and abhorrent scams,” says Alexi Boyd, Chief Executive Officer at the Council of Small Business Organisations Australia.
And last but not least, if you ever have any doubts about whether you’re making a payment to the right account, or if you receive a request to change payment account information, simply pick up the phone and speak to your contact at that organisation.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
Open banking is here and it’s charging full steam ahead. So just how are lenders and fintechs using your shared data in this brave, new, data-fuelled world? A new report has shed some interesting insights.
With all that’s gone on over the past two years, one of the nation’s biggest banking overhauls in recent memory has slipped under the radar.
It’s called ‘open banking’, and it aims to allow you to easily and securely share your banking data with your bank’s competitors to make it more convenient for you to switch banks when you think you’ve found a better deal on a financial product.
For example, instead of spending hours and hours gathering documentation (such as bank statements, expenses, earnings and identification documents) to refinance your home loan, you could simply request that your current bank sends the info across for you.
But, like most things, it comes with a trade-off: you’ve got to share your banking data with the prospective lender, fintech or allied professional to make it happen.
Australian open banking provider Frollo has just published the second edition of its yearly industry report, The State of Open Banking 2021, which surveyed 131 professionals representing banks and lenders, fintechs, technology providers, and brokers across the country.
The report shows open banking data availability has accelerated dramatically.
In the first 10 months of 2021, 70 banks started sharing consumer data and 14 businesses became accredited data recipients – including three of the four big banks.
This is an increase from just five data holders and five data recipients in 2020.
And more financial institutions are getting ready to jump on board.
The industry survey shows 62% of respondents plan to use open banking data within the next 12 months, and 38% within the next 6 months.
So what are they using the open banking data for?
Well, the most popular uses can be grouped into three categories:
– Lending: income and expense verification is highly valued by 59% of survey respondents.
– Money management: multi-bank aggregation and personal finance management were highly valued by 50% of respondents.
– Verification: customer onboarding (49%), identity verification (38%), account verification (34%) and balance checks (30%) were all highly valued.
Now, it’s important to note that open banking isn’t the only way you can make life easier on yourself when it comes to switching up financial products.
That’s what we’re here for!
We’re an open book – always happy to check whether you can apply for a better deal on your home loan somewhere else.
And as you know, we pride ourselves on taking on the vast majority of the legwork, whether we’re harnessing the power of open banking or not.
So if you’d like to explore your options, get in touch today – we’d love to help you out!
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
