There are many different types of loans available these days and we help you to decide which one is best suited to you. We explain all the financial babble, like redraw, offset, line of credit, equity, variable and fixed and split loans to name a few, in easy to understand language. READ MORE
This is an area that you can potentially free up a lot of money, especially if you have multiple loans going at the same time eg. You may have a home loan, personal loan, credit card and store card. Different types of loans attract different interest rates as some are secured by the asset and some are not. Generally the loans that are not secured by the asset eg credit cards and some personal loans, have a higher interest rate as there is more risk to the lender. READ MORE
There are many simple ways that you can reduce the term of your loan and therefore the interest that is charged. If you haven’t reviewed your loan in the last 2 years, then it is timely that you had a review as this could save you money on interest, you could be giving yourself a rate discount outside the RBA just by reviewing your loan. There are other ways that you can structure your repayments to reduce the term of your loan and also increase your repayments without having a great impact on your budget.
Sometimes our money is not available to make a deposit on a property, it may be tied up in a loan that will be advanced in the future or tied up in another investment, so a deposit bond can be used in certain circumstances. Deposit Bonds are often used at Auctions. If you require a deposit bond, please contact Headstart.
This is an area that I find most people talk about but actually don’t ever do anything about. Where to buy is the most common dilemma that I find most people have and how much do you spend. The two main forms of investment assets that people have access to and confidence in is property and shares. Some feel more comfortable with property as they actually like to see the asset and there are pros and cons with investing in each asset class. READ MORE
Are you self-employed or have a car allowance and need to update your current vehicle or equipment, like computers. Then you may need a lease, a commercial Hire Purchase or a Chattel Mortgage to assist you with any of these purchases. Contact Headstart to get a competitive quote and have your funds available within days.
Property is often the largest and most expensive asset you will ever purchase so it makes sense to protect this asset against something happening which may find you without an asset all together. Most lenders require you to have home building insurance when you purchase a house to protect it if it were to get damaged. READ MORE
We are not specialists in all areas of finance however we do recognise that to provide a holistic service in financial services we need to direct you to people who can assist with Tax, retirement, wills and conveyancers to assist in making your experience the best it can be. If you need to contact an Accountant, Financial Planner or Solicitor, we can refer you to someone local that can assist you further.
What Our Clients Think.... "A couple of years ago we were looking at changing mortgage companies for our home loan. A friend recommended Lara. Lara is a professional, thorough and friendly advisor who was able to present us with a number of alternatives and easy to understand comparisons of each option. She spent time with us asking questions and going through our details. The switch to a new mortgage provider was smooth. In addition, for years I had managed to put off getting to know and understand my superannuation plan. I had no idea how to analyse the intricacies of the plan and determine if it was appropriate for me. I rang Lara. Lara presented me with a number of options that would suit my circumstance. She also clearly explained all the details around insurances I should be considering."Johanne Doherty