Your budget should be based off your take home income, from your base pay–if you receive overtime or allowances try not to include this.
Being a homeowner, you'll now have new bills to pay that you’ve never had before. So, in your homeowner budget be sure to consider; internet, gas, electricity, council rates, body corporate fees, building insurance, transport costs (tolls, petrol, car service, rego) and the big one in these hard times…. FOOD!!
TM PEOPLE
Anne, new home owner.
One week before her mortgage settled Anne purchased a Chanel handbag. Not willing to divulge how much she spent on it, Anne believes it was a wise investment. And why shouldn’t a 24 year old who’s spent years studying and now has a well-paying, secure fulltime job buy her self a handbag?
We are very excited to announce the first ever Business to Business networking lunch hosted by TMFG next month.
Thinking about refinancing?
Refinancing doesn’t only apply to home and investment property, you also have the same scope to refinance commercial property and business lending.
People and businesses generally refinance for 1 of 4 reasons:
If any of these reasons relate to your current personal or commercial loans, perhaps it is time to look into your refinancing options, and there’s no better place to start than with a qualified professional. A mortgage broker can help you wade through the pros and cons of re-financing, but first let’s look at a few reasons to consider before making the move toward refinancing.
Chances are, if you have thought about purchasing or refinancing commercial property you may have decided against using a commercial finance broker believing you will save money by going straight to the lender. While it seems like a reasonable belief, this is actually a myth.
The truth is, if you take the time to break down the value of using in a commercial finance broker, you will discover although there may be initial expenses, engaging in the service translates to money well spent.
Here is a quick break down, and only a few of the ways you profit from using a commercial broker, such as TMFG.
Speak to one of our consultants today
