Blog

FOMO factor: more Aussies looking to buy with mates or siblings

FOMO factor: more Aussies looking to buy with mates or siblings

Ever thought about buying a property with a friend or family member? You’re not the only one. The rising cost...
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Are your cashflow needs in order ahead of the summer trading season?

Are your cashflow needs in order ahead of the summer trading season?

The summer trading season poses a raft of tricky cashflow and stocking challenges for retailers at the best of times,...
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How well has your salary kept up with house prices?

How well has your salary kept up with house prices?

You’ve probably noticed that house prices in Australia consistently outstrip growth in wages. But by how much? And what can...
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Think property prices will dip when rates rise? Don’t bet the house on it

Think property prices will dip when rates rise? Don’t bet the house on it

Whether you’re looking to buy, sell or hold, there’s a good chance you’ve wondered whether the property market will tumble...
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How to protect your business and your customers from scams

How to protect your business and your customers from scams

When you pay a supplier or service provider, are you certain you’re paying the right account? You’ve got to be...
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Open banking is ramping up, so how are lenders using your data?

Open banking is ramping up, so how are lenders using your data?

Open banking is here and it’s charging full steam ahead. So just how are lenders and fintechs using your shared...
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Wheels in motion: RBA paves the way for early cash rate rise

Wheels in motion: RBA paves the way for early cash rate rise

Mortgage holders are facing a sooner-than-expected cash rate rise after the Reserve Bank of Australia (RBA) revised its outlook due...
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Netflix and too chill: house hunters cutting corners on inspections

Netflix and too chill: house hunters cutting corners on inspections

More than half of Australian house hunters spend the same amount of time inspecting a property as they do watching...
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Seismic shift: two major banks hike fixed interest rates

Seismic shift: two major banks hike fixed interest rates

Are the days of ultra-low fixed interest rates over? It’s looking increasingly so, with two major banks increasing their fixed...
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Are you relying on a personal credit card for business expenses?

Are you relying on a personal credit card for business expenses?

We’ve all been guilty of the odd credit card mix-up from time to time – it happens! But if you’re...
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How 1-in-10 first home buyers cracked the market 4 years sooner

How 1-in-10 first home buyers cracked the market 4 years sooner

Almost 33,000 Australians bought their first home four years sooner thanks to two federal government schemes that give first home...
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SME lending options are on the rise, but how do you access them?

SME lending options are on the rise, but how do you access them?

While many SME owners worry about their access to finance, a surge of new lenders and products is rapidly expanding...
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Bar raised for borrowers: tougher home loan serviceability tests

Bar raised for borrowers: tougher home loan serviceability tests

Some borrowers will soon find it harder to get a mortgage after the banking regulator announced tougher serviceability tests for...
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Refinancing figures are on a record-breaking run: here’s why

Refinancing figures are on a record-breaking run: here’s why

With interest rates at record low levels, the number of homeowners refinancing skyrocketed to an all-time high in July. Today...
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Only half of SMEs have recently been able to secure full funding: report

Only half of SMEs have recently been able to secure full funding: report

Almost one-in-two SMEs have applied for new funding in the last six months, a new report has found, and of...
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Is a home loan lending crackdown on the horizon?

Is a home loan lending crackdown on the horizon?

The federal treasurer has given the strongest indication yet that a home loan crackdown is coming, stating that “carefully targeted...
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Top 5 property investor trends for 2021-22

Top 5 property investor trends for 2021-22

With house prices going gangbusters in the first half of 2021, is it still a good time to buy property?...
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Are you too loyal for your own good? The banks think so

Are you too loyal for your own good? The banks think so

The average Australian homeowner is paying more than $37,000 in extra interest over the life of their home loan due...
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Nine in 10 FHBs trust brokers to help them buy their first property

Nine in 10 FHBs trust brokers to help them buy their first property

Remember that classic TV ad: ‘nine out of 10 dentists recommend using [toothpaste brand]?’ Well, it turns out we’ve earned...
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SME Recovery Loan Scheme revamped to help more businesses

SME Recovery Loan Scheme revamped to help more businesses

More small and medium-sized businesses struggling to stay afloat due to the economic impacts of COVID will have access to...
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CONTACT

Shop 12, Kingscliff Shopping Village

24 Pearl Street

PO Box 1218

Kingscliff NSW 2487

paul.cluff@moneysmithgroup.com.au

M 0433 149 788

AUTHORISED REPRESENTATIVE

Paul Cluff and PCFC Group Pty Ltd, ACN 615 084 243, ATF The PCFC Group Trust ABN 56 993 890 932 trading as MoneySmith Financial.

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AUTHORISED REPRESENTATIVE

Paul Cluff Credit Representative Number 383304 and Skyeblu Pty Ltd, ACN 108 370 341, trading as Moneysmith Australia.

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GENERAL ADVICE WARNING

Please be aware that any advice that may have been given or implied is general advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.