Why we can’t answer… “What’s your best rate?”
The first question anybody wants to ask us is what is your best rate and it seems disingenuous when we literally cannot answer it on the spot, I promise you we are not trying to be difficult or shifty & we would be delighted to throw out a low interest rate, however, what's your best rate depends on who you are - let me explain. Let's assume by best rate you mean the “cheapest” because frankly that's what matters the most to everybody right? The cheapest rate depends on so
From a 300 Credit Score to Mainstream Lending: A Two-Year Journey
Not every lending story starts in a strong financial position. Sometimes the biggest wins come from helping a client rebuild after a difficult period. One of our long-term clients approached us in mid-2024 looking for guidance during a really challenging personal situation. He was going through a really challenging breakup, and, his former partner was not playing the game at all. She was refusing to leave the home, refusing to contribute anything to the mortgage or rates on
Rentvesting: what it is, who it suits, and the real risks to understand
Rentvesting is a strategy where someone rents the home they want to live in, while purchasing an investment property elsewhere that better suits their budget or long-term financial goals. It’s increasingly common among professionals and first-home buyers who want flexibility without missing out on property ownership. The key benefits of rentvesting 1. Access to the property market sooner For many buyers, particularly in capital cities, rentvesting allows them to buy something
A Christmas message from TRS
Merry Christmas! We will be closed for Christmas break from 23 December to 11 Jan, we do have emails being monitored for any urgent matters or work in progress. 2025 is drawing to a close and it has been a very big year on so many levels, for all of us I am sure. We want to wish you the very best of Christmas cheer and express sincere thanks to all who have trusted us with their home buying 'journey', with their budgets and their savings, to our business partners and referrer
Debt recycling is a financial planning strategy, that gets the approval of your accountant needs your mortgage broker to facilitate
Debt Recycling Explained Debt recycling is a strategy some Australians use to turn their home loan into a tool for building wealth. The idea is simple: over time, you replace your non-deductible home loan debt (which gives you no tax benefit) with investment debt (which may be tax-deductible). Now lets stop here and insert the standard disclosures – we are not giving you tax advice and we recommend you bring in your trusted professionals. Here’s how it works: · You star
Cashdeck and Frollo Open Banking
Cashdeck and Follow banking technology making gathering bank statements easy
Domain: Survey finds female investors outperform men despite rating themselves as worse
We spoke recently with the lovely Sue Williams from Domain on the topic of gender differences in investing, and the survey results agree...
Some news about your Essentials Home Loan...
We have just been advised there are some upcoming changes to the Connective Essentials home loans. You may recall, we always cheekily...
Ok – so there’s a rate reduction, what happens next?
In the fast-paced world of finance, interest rate cuts can create considerable waves, especially for mortgage holders and first-time home...
Thinking about cooling down in your own backyard oasis?
2025 is off to a fabulous start and interestingly we have had a huge level of interest in adding a pool, it can be surprisingly affordable
