Mortgages and lending

Blogs with the keyword "Mortgages and lending"

Are avocados to blame for housing affordability?

14 Oct 2019

Australian Demographer Bernard Salt wrote a tongue in cheek article for The Australian in 2016 about observing “young people who order smashed avocado with crumbled feta on five grain toasted bread at $22 a pop and more”.

Presidential tweets and inverted yield curves

28 Aug 2019

There has been a lot of media attention on inverted yield curves and what they say about an economy. Contrary to belief, it's not always an indicator of a looming recession.

Keeping it in the family

19 Aug 2019

We spend our life planning for what lies ahead, but it’s also important to think about what we leave behind. This article examines why it’s important to involve your loved ones in the discussion.

Advantages and disadvantages of insurance in super

19 Aug 2019

Find out what to consider when selecting your life insurance cover.

Investment market review - quarter ended 30 June 2019

19 Aug 2019

The Research team provides a performance summary and commentary on each of the five main asset classes.

What's new in super and tax this financial year?

19 Aug 2019

The 2019/2020 financial year introduces some new opportunities to save for your retirement through super. We also provide an overview of the ‘protecting your super’ legislation and personal income tax changes.

Toxic tech: is it time to take a break?

19 Aug 2019

In today’s technology-driven world, we’re expected to be available, online, at any time. But with frequent studies telling us technology overuse is bad for our productivity, our sleep, our relationships and even our mental health, is it time to go offline?

Tax & super tips for EOFY 2019

05 Jun 2019

Want to get the most out of your tax return this year? Shadforth shares tax-efficient tips and strategies for EOFY 2019.

Investment market review - quarter ended 31 Mar 2019

15 May 2019

The Research Team provides a performance summary and commentary on each of the five main asset classes.

Plus, we illustrate the growth of different investments if you invested one Australian dollar in 2003.

Is it time to go off-grid?

15 May 2019

Once considered a radical way to live, many Australians are now viewing an off-grid lifestyle as both economically and environmentally savvy. We delve into some of the pros and cons and to help you determine whether it’s a good choice for you.

Shedding light on financial exposure

15 May 2019

Financial exposure is the gap between the level of life insurance required to meet your basic needs and the level of insurance you actually have in place in case an unexpected health event occurs. Financial exposure is a growing problem in Australia. This article looks at some of the reasons for this and why it’s important to minimise your financial exposure.

Economic outlook for 2019

15 May 2019

Overall, we are likely to see a slowdown in growth for both the Australian and global economies over the next year. Upcoming elections, including our own Federal election, will have a major influence on the economy as will government spending.

Super dependants

15 May 2019

If you have a superannuation fund, you’ve probably been asked to nominate your beneficiary. But, super fund trustees can only pay your super death benefit to eligible dependants1 or to the legal personal representative of your estate. Here’s what you and your family need to know.

2019 Federal Budget announcement

03 Apr 2019

Find out how the Federal Budget proposals could affect you.

Investment market review - quarter ended 31 December 2018

21 Mar 2019

The Research Team provides a performance summary and commentary on each of the five main asset classes.

What I wish I'd known

29 Aug 2018

It can feel like an uphill battle to stay ahead of the game financially.

What's new for the 2018/19 financial year?

28 Aug 2018

The start of the new financial year brings a number of changes and some new opportunities.

Investment market review

28 Aug 2018

A review of the quarter ended 30 June 2018.

Investment market review

24 May 2018

A review of the quarter ended 31 March 2018.

Tax-effective strategies

24 May 2018

With 30 June fast approaching, now’s the time to put in place the strategies that could save you paying more tax than you need to this financial year. And, look at the most appropriate tax strategies for the 2019 financial year.

Market outlook for the new financial year

24 May 2018

The global economy looks strong for the next year but different risk factors may  affect consumer and business confidence.

Federal Budget 2018/19

09 May 2018

This year’s Federal Budget is an ‘election budget’ with tax cuts for all Australians that will be funded by the Government’s higher than expected revenue. All-in-all, changes to super were fairly limited in the Budget, with the Government focused on preventing the erosion of super funds with small balances.

The surplus cash flow trap

20 Feb 2018

It’s great knowing that when a bill comes in, you’ve got the surplus cash flow to cover it. But how can you make your money go further?

Super opportunity for first home buyers and downsizers

20 Feb 2018

Whether you’re buying your first home or you’re ready to downsize, you may be able to use your super to help make the most of your money. These two new schemes support the Government’s goal of reducing pressure on housing affordability in Australia.

Super opportunity for downsizers

20 Feb 2018

If you’re ready to downsize you may be able to use your super to help make the most of your money. This new scheme supports the Government’s goal of reducing pressure on housing affordability in Australia.

Investment market review

13 Nov 2017

A review of the quarter ended 30 September 2017.

Top five tips to prepare for the end of financial year

17 May 2017

With the end of financial year approaching, here are some tips to help you be prepared.

Create your own club

12 May 2017

Having a special interest is an ideal way to boost your mind, body and soul in retirement.

Australia avoids a recession

12 May 2017

Australia avoided a recession at the end of last year

Talking telco trends

27 Feb 2017

How are technological advances impacting the telecommunications industry?

The retirement journey: Where are you now?

27 Feb 2017

Retirement is a journey and what you want will tend to change as you grow older.

Commodities - what a difference a year makes

27 Feb 2017

It’s been a long time since commodity prices rallied like in 2016.

Investment market review

27 Feb 2017

A review of the quarter ended 31 December 2016.

Famous walks around the world

27 Feb 2017

A holiday where you get to see new things, eat delicious food and benefit from exercise.

Apps and gadgets for boosting your brain and body

27 Feb 2017

As you move into retirement the amount of regular exercise you get simply by going to work can shrink.

Can your Will be challenged?

27 Feb 2017

Yes, but only in certain situations

Trump victory propels share markets

27 Feb 2017

Donald Trump’s victory in the US presidential elections surprised both investors and political commentators alike.

Appointing a guardian

24 Nov 2016

Why should you appoint a guardian for your children?

Investment market review

24 Nov 2016

Quarter ended 30 September 2016

Are you eligible? Changes to concession cards

24 Nov 2016

Centrelink asset test rules are changing on 1 January 2017.

Australian holidays: Explore some great festivals

24 Nov 2016

Some of the best Australian cultural festivals that offer art, music, good food and wine.

Boosting inflation: Central banks struggle

24 Nov 2016

Banks boost deposit rates and diverge from the Reserve Bank of Australia

Third quarter 2016 commentary

24 Oct 2016

A review of the third quarter of 2016.

Results season wrap

29 Sep 2016

The major themes from this reporting season.

Changes to Budget super reforms announced

19 Sep 2016

Changes to Budget super reforms announced: $500,000 lifetime NCC cap dropped.

Easy ways to improve your home

25 Aug 2016

You don’t need millions to give a house a new lease on life – little things can make a big difference.

Second quarter 2016 commentary

26 Jul 2016

From the federal election to Brexit, a look at the second quarter of 2016.

Understanding Listed Investment Companies

28 Jun 2016

Listed Investment Companies offer exposure to a professionally managed portfolio of securities.

News from Shadforth

26 May 2016

Stepping up for MS

How to cultivate a community

25 May 2016

Fresh produce, new friends and exercise in the great outdoors — a community garden ticks all the boxes.

Investment market review

24 May 2016

Quarter ended 31 March 2016.

A leap year can also cause your tax to leap

24 May 2016

Because it's a leap year, some may receive an extra pay period.

Is the Eurozone on the path to recovery?

24 May 2016

The economic recovery in the Eurozone has been progressing at a slower pace than initially expected.

Protect yourself and your family — more than just a Will

24 May 2016

If you have an accident or fall ill, you may need someone to make decisions on your behalf.

Australia's transition

24 May 2016

Australia’s transition from mining to a service driven economy continues

Taking on Kokoda

24 May 2016

Preparing for the Kokoda Trail requires both physical and mental commitment, but the experience is one you’ll never forget.

Investing for yield

23 May 2016

Global interest rates are now near zero or negative in some cases. In this environment, investors, particularly retirees who are in need of income, have moved away from traditional fixed income towards using dividends from shares to provide income.

A review of the banking sector: Where to from here?

28 Apr 2016

A review of the latest banking sector results.

The fate of the contractor

24 Mar 2016

This sector will deliver very mixed returns and stock selection is paramount.

Reporting season wrap

24 Mar 2016

This reporting season, 38 per cent of companies beat their earnings per share estimates, outweighing the 34 per cent that failed to meet their estimates.

Market chaos: It's all Chinese to me

13 Jan 2016

The Australian market has taken its lead from China as concerns of a ‘hard landing,’ China’s newly implemented stock market circuit breakers and the devaluation of the Renminbi (RMB) have sent shock waves around global equity markets.

Does the holiday home dream stack up?

20 Nov 2015

It’s coming to that time of year when you spend time relaxing with family and friends in your favourite holiday destinations. A thought that often follows is, ‘Wouldn’t this be a great place to buy for our future holidays and as an investment for our retirement?’

Three mistakes we make with debt

19 Dec 2014

In my previous article 'Time poor and too busy to save' we looked at the key challenges facing young people when it comes to shaping their financial future.  In this article I take a deeper look at one of today's major issues - debt.

Time poor and too busy to save

21 Nov 2014

​Increasingly today's young people are so busy juggling their work, lifestyle and family lives that they often neglect to take the time to consider making the key financial decisions that will help to shape their financial future.

To fix or not to fix — that is the question

23 Sep 2014

Australian borrowers have traditionally been somewhat reluctant users of fixed rate borrowing options. Even with rates at historic lows, 80% of new lending is still being drawn at variable rather than fixed rates.

A smarter way to buy your next car

27 Aug 2014

When it comes time to buy a new car, most of us don't enjoy the process of dealing with the salesperson at the car yard. A recent Gallup Poll rated car salespeople third lowest in a list of professions ranked by 'honesty and ethics' (disappointingly still ranking higher than politicians).

Part 3: Which is better for financial freedom - buying a home or renting and investing?

16 Sep 2013

​I have a 'friend' who was very, very lucky that his mother was willing to assist him in getting a financial headstart (thanks, Mum). My friend was also very lucky that the father of his girlfriend at the time was also very helpful with financial advice (thanks, Charlie).

Part 2: Which is better for financial freedom -buying a home or renting and investing?

12 Sep 2013

​In my previous blog, I suggested that renting and investing could be a better financial option than buying a home outright.

Part 1: Which is better for financial freedom -buying a home or renting and investing?

02 Sep 2013

​It used to be the 'Great Australian Dream'.... finish school, build a career, meet the love of your life, buy a home and start a family.

Stress test your mortgage in advance

17 Jun 2013

As a financial adviser, all too often I meet clients who have overextended themselves when purchasing a property, usually their own home.

The forgotten costs of investment properties

14 Jun 2013

​There are many misconceptions around the real rate of return on investment properties. This is often due to the forgotten costs associated with them.

Neither a borrower nor a lender be!

21 May 2013

Wise words from William Shakespeare's Hamlet, but maybe we need to update it for the 21st century - "be not a borrower".

The impact of irrational decisions on investment performance

01 Jan 1970