Housing Affordability – Is there a Crisis?

For anyone who grew up in the 1950’s, 60’s or 70’s, life was pretty good. Certainly, there were some folk who did it tough but for the majority, we had a roof over our heads, reasonable clothes to wear – even if they were handed down – and food to eat. Life felt much simpler then.

Many of us lived in a free-standing house on a ‘quarter acre’ (~1,000 m2) block of land somewhere in the suburbs. Often the house was modest – perhaps three bedrooms, with a kitchen, a lounge room and a dining room. A sunroom was often added on the back and some of the later designs included the ‘rumpus room’. We didn’t have media rooms, a separate study or multiple living areas. Yet somehow, we all survived.
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Buying a Home – A Guide

Life is full of decisions, some big, some small. One of the biggest decisions people make is that of buying a home. This decision will have a big impact on your life and the life of your family. Buying a home is an exciting time and should be one that you look forward to without any financial strain or pressure.

When you have found your dream home there are steps regarding financial arrangements which need to be taken before you can move in and unpack your belongings.
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Managed Accounts

By world standards (as a percentage of population), Australians are significant investors in direct equities, demonstrating a high and increasing level of engagement in their own financial affairs.

 

However, for some investors, managing a portfolio of direct equities creates anxiety and a great deal of paperwork.
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Energy Efficient Finance

We have seen a continuing debate for some years about climate change, controlling energy emissions and the need for cleaner energy. This continued debate has once again been launched into the spotlight recently with the Adani Mine in Queensland and the need to develop effective alternative energy sources to traditional fossil fuel power generation.

The good news is that lenders are now helping businesses reduce their energy costs and environmental footprint by providing financial solutions for energy efficient equipment, to suit a variety of business needs, often at discounted interest rates.
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The Benefits of Equipment Financing

Equipment financing is an easy and cost effective way to finance tangible items used in farming operations, rather than using equity from property or using cash.

Property equity and cash can be better utilised towards growing and expanding business through investment. These investments include property improvements, additional property purchases, cattle purchases or farm efficiency measures.

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