Finance - The Game has Changed

AAA Game Changed  In need of Finance in 2019?

Comprehensive Credit Reporting and the new Open Banking world will have an effect on your mortgage approval.

Will it be easier or will it be Harder? Let's find out...

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Instant asset write-off boosted to $30,000, set to save small business $700 million

AAA_-_New_Digger_.jpgPurchase a new or second hand asset such as a motor vehicle, computer equipment, an Air conditioning system, a solar system or  business machinery for $30,000 or less and claim an immediate tax deduction. There are no limits on the amount of assets you purchase as long aseach asset in under the $30,000 threshold.

If your business is registered for GST then it is GST exclusive prices that count.  You can then also claim the GST back from the Tax man as well on each purchase.

This is the easiest and fastest way to reduce your taxable income when so close to the financial year

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Smart tips for paying off your home loan sooner

AAA Couple dancing in Kitchen   Wondering how to pay off your home loan sooner? We look at some things you could do.

Australian home loan interest rates remain at historic lows, and the opportunities for paying off a mortgage early are better than ever. Used in conjunction with low rates, here are some extra steps that can speed up loan repayments and reduce your loan balance.

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Afterpay & PayWave spending habits creates headaches for new loans

AAA AfterpayThe royal commission and a tougher regulatory environment for the banks in 2018 translated to stricter borrowing conditions for borrowers, and a less competitive market than years gone past.

This environment will carry into the rest of 2019 with more stringent loan assessments from lenders.  This is made easy for them by the spending and saving behaviours of borrowers being increasingly online and electronic.

In short: Australians are living their lives online, and it’s easier for lenders to get a full picture of how they manage their money.

Borrowers have “nowhere to hide” when it comes to their spending habits, and should be aware their discretionary spends are on lenders’ radars.


Most banks now require transaction statements, which means borrowers can’t hide with their history of spending. The rise in ‘tap and go’ payments plus technology such as bankstatements.com.au can classify spending into categories and give a lender full visibility on a loan applicant’s spending patterns and how much they save – this level of disclosure is unprecedented. 

Examples include Afterpay, Zip Pay, frequent holidays, high spending on credit cards and even spending on gambling, alcohol and dining are being hauled into question if they will be ongoing expenses after their loan has settled or if this constitutes discretionary spending. 

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Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House

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