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Get the latest Mortgage and Loan Advice from the experts at Grace Loans.

Good Debt, Bad Debt

Good Debt, Bad Debt

Wednesday 01 May 19

A couple of generations ago, the view of debt was very different than today. I grew up between those generations. My father saved like crazy for about three years, then built a brand-new home with something like $10,000 from the bank. I imagine that he

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Home and investment loans

Home and investment loans

Wednesday 01 May 19

Home and investment loansA home loan or other forms of borrowing is not free money. But it is something that can enable you to purchase something that you otherwise could not afford, at least at this point in time.It may not be wise to purchase

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Borrow for a business to save tax

Borrow for a business to save tax

Wednesday 01 May 19

Borrow for a business to save taxA home loan or other forms of borrowing is not free money. But it is something that can enable you to purchase something that you otherwise could not afford, at least at this point in time.It may not be

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Superannuation savings for First Home Buyers

Superannuation savings for First Home Buyers

Wednesday 01 May 19

Superannuation savings for First Home BuyersFirst home buyers will be allowed to salary sacrifice up to $15,000 per year until they reach a total of $30,000 of contributions.  That money along with a ‘deemed’ investment return can then be drawn from super and used for

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Refinancing without Boiling the Frog

Refinancing without Boiling the Frog

Wednesday 01 May 19

Refinancing without Boiling the FrogYou have heard of the proverbial frog in the kettle. Being cold blooded, it doesn’t realise the temperature is changing as it slowly goes up. He sits there contented until his eyeballs turn white and he is boiled and ready to

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How Much Can You Save on a Home Loan?

How Much Can You Save on a Home Loan?

Monday 01 April 19

Or, how much do you want to pad the pockets of the banks? Really significant savings is very common when we refinance a home loan here at Grace Loans. Naturally the amount saved will depend on how much is borrowed, how bad the existing loan

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Sources of Retirement Income

Sources of Retirement Income

Friday 01 March 19

Retirement income can come through a number of different sources: Centrelink benefits, defined benefits, investments outside of superannuation or from superannuation income streams. Part time paid work is also a possibility. Let’s have a glimpse at several of them. Aged pension Life in Australia has

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The Fundamentals of Investment Property

The Fundamentals of Investment Property

Friday 01 February 19

Property investments can be loved, endured or fled from. Investors have had all kinds of experiences with them. Perhaps you have had that experience yourself. Given that investment properties can be either wonderful or a disaster, how can a person be reasonably confident of being

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The Home Stretch towards Retirement

The Home Stretch towards Retirement

Tuesday 01 January 19

Some of us are getting a bit more serious about our superannuation. In the early days it was something for a time that was so far away, why worry? Now we wish we had taken it a bit more seriously. But it may not be

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Why use a Family Trust

Why use a Family Trust

Saturday 01 December 18

The smart money is still in family trusts, even though the tax man has been chipping away at them. The ability to arbitrage tax between family members, protect assets from creditors, and help with succession planning makes them as useful as ever in wealth creation.

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Grace Loans is a division of Grace Financial Services. James Massey and Bethany Massey are Authorised Credit Representatives of BLSSA Pty Ltd, , Australian Credit Licence number 391237. Authorised Credit Representative nos. GFS: 472092, James: 472093 & Bethany: 513202. Content of site may not be fully up to date as lenders are constantly changing their loans and policies. Any advice provided on this website is of a general nature not taking into account your personal objectives and situation. Such matters are important to consider prior to taking any action. Please make an appointment to discuss your specific situation so that appropriate advice may be given with regard to suitable products using current information.