Keeping it personal

With corporate giants Facebook and Uber in hot water over privacy breaches, how can SMEs with fewer resources make sure they don’t run foul of Australia’s costly new data breach laws? Fast-growing companies and successful SMEs could be the hardest hit when it comes to new data breach laws, according to cyber security expert Sorin […]

Why you can bank on a broker

One in two Australian home buyers1 now borrow via a broker. A dip in sentiment towards traditional banks, tighter lending criteria for investors and better-educated consumers have all helped boost mortgage brokers’ popularity over the past decade. There are, indeed, a raft of reasons to turn to a broker for your next home loan. Here are […]

Cash in a flash

Australia’s New Payments Platform could turbo-charge cash flow for SMEs, with 24/7 real-time transfers banishing the time payments sit in limbo. Imagine a day where your mobile phone number is all clients need to pay; where bank transfers clear within seconds; and payments into your business account are automatically reconciled. Australia’s New Payments Platform (NPP), […]

How to tackle more than one mortgage

Taking on a mortgage means taking control of your finances. Adding an investment property to your loan portfolio requires additional discipline and planning. With interest rates lingering at record lows, it’s important those taking on another mortgage look beyond the here and now and invest in some long-term thinking. Positive or negative? Positive gearing means […]

Super stoush

The big super funds are targeting self-managed super – a popular choice for small business owners – over burgeoning borrowing for property investment. And the push is on to make the $20,000 write-down facility permanent. Here’s what to watch for in next month’s Federal Budget. It’s shaping up as the battle of the big guns […]

Everyone loves a chat

Live chat can drive higher rates of satisfaction than any other form of customer support1. However, it pays to remember that while customers will excuse a mistake, frustrate them when they have a problem and you’ve lost them forever. We lead you through some golden rules for implementing live chat software on your website. It […]

A world of opportunity

Cracking the export market is becoming easier than ever for SMEs. Take your brand to the world in 2018 with new grants, easy finance and advice from those who’ve done it. In the past year, the federal government has turned its focus to helping launch Australian SMEs on the world stage, with government-backed finance and […]

Show me the money!

“Flipping” might be the new word on the block but Australians have long been part of the reno revolution. Some are looking for fast returns (the flip), while others are upgrading after being in a home for several years. Whichever your strategy, chances are the goal remains the same: to renovate for profit. Here are […]

Don’t bank on it

SMEs are turning away from traditional banks as lending to small businesses becomes big business for a slew of innovative new lenders. Traditional methods of getting a business loan involve patience, piles of paperwork and a few trips to the bank and your accountant. These days, SMEs can apply online and get loans approved within […]

How to be a first home buyer

While many first home buyers might feel thwarted by escalating property prices in some capitals, plenty are still taking the plunge, spurred by low-interest rates and the great Australian dream of owning your own piece of turf. According to the Australian Bureau of Statistics1, first-time buyers currently account for about one in six home loans. […]

All in the family

The trend for adult children to remain in the family home for longer is putting a strain on their parents. But there are ways to make it work for everyone. If you have a happy marriage and a comfortable home, studies indicate it’s more likely your children will delay moving out. Well, they’re not silly, […]

Real estate cheat sheet

If buying or selling for the first time, you might be bamboozled by all the real estate jargon bandied about. Here is our A-Z guide to what it all means. Accrued depreciation The total depreciation of a property over a period of time. Usually the difference between the replacement value at purchase and its present […]

Interior design on a budget

Mention interior designers and most people think glossy magazines, luxe fit-outs and big bucks. But interior designers are not necessarily expensive, and the right advice from the right style guru could add some panache and pizzazz to your décor for fewer dollars than you think. It’s as much about knowing who to use as it […]

Guide to home loans

Variable Variable rate loans often provide additional flexibility and are the most popular type of home loan in Australia. As the name suggests the interest rate is variable and therefore fluctuates with the Reserve Bank of Australia’s movement and the cost of the financial institution sourcing funds to lend. Variable rates are generally broken into […]

Investing in property

Research and having the right people to help you are the keys when investing in property. It definitely pays to do your research on the property market before you dive in, and we’re thrilled to be on board to help you when it comes to financing your decision. Recent share market slides, tight rental markets […]

Buying a home

We know that buying a home is one of the most important decisions you’ll make in life and that it can be exciting and daunting at the same time. An AFG broker can ensure you’re armed with the all the information you need to help you on your way to owning your home. An AFG […]

Are your tenants secure?

From July 1 landlords in WA have been required to step up home security measures for tenants. If you own a rental property, are you doing enough to deter thieves? It’s worth checking with your relevant state authority for specific rules in your market. Here’s a brief round-up of what’s required where. Western Australia: The first state to spell out in detail minimum security requirements for rentals, […]

Pets please apply

Pets have been long maligned by landlords for their potential to make a mess and cause damage. But with pet ownership in Australia ranking the highest in the world, property investors who turn their backs on our furry friends could be missing out on tenants and dollars. Before they dismiss dogs and cats, landlords should […]

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