Special loans for first home buyers

Special loans for first home buyers

Saturday 25 May 19

You may not be aware, but there are literally hundreds of different loan products available.  We deal with about thirty different lenders, and each of them have their own special niches that sets them apart from the others.  First home buyers are a very special

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Borrow for a business to save tax

Borrow for a business to save tax

Wednesday 01 May 19

A 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 certain things with

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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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Refinancing without Boiling the Frog

Refinancing without Boiling the Frog

Wednesday 01 May 19

You 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 be served up in

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Superannuation savings for First Home Buyers

Superannuation savings for First Home Buyers

Wednesday 01 May 19

First 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 the purchase of their first

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How Much Can You Save on a Home Loan?

How Much Can You Save on a Home Loan?

Sunday 31 March 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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The Fundamentals of Investment Property

The Fundamentals of Investment Property

Thursday 31 January 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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Why use a Family Trust

Why use a Family Trust

Friday 30 November 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 and Bethany Massey are Authorised Credit Representatives of BLSSA Pty Ltd, Australian Credit Licence number 391237. Authorised Credit Representative nos. GL: 523940, 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.