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What’s your debt-to-income ratio? And why do lenders care about it?

What’s your debt-to-income ratio? And why do lenders care about it?

New data from the lending watchdog reveals almost one in four new mortgages are risky. How are they deemed risky?...
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Flood victims can defer loan repayments for up to 3 months

Flood victims can defer loan repayments for up to 3 months

Home and business owners impacted by the floods in New South Wales and Queensland can apply to their lender for...
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Which two capital cities might have just hit their property price peak?

Which two capital cities might have just hit their property price peak?

It’s a three-speed property market across the country right now, with two capital cities showing signs prices might’ve peaked, three...
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Thought about buying an EV? Interest rates for them are dropping

Thought about buying an EV? Interest rates for them are dropping

It wasn’t long ago that the idea of buying an electric vehicle (EV) seemed like a bit of futuristic science-fiction....
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Where are tradies most in demand at the moment?

Where are tradies most in demand at the moment?

Keen to tackle a renovation project in 2022? You might have noticed that tradies are hard to pin down at...
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Fixed rates on the rise, as CommBank tips a June cash rate hike

Fixed rates on the rise, as CommBank tips a June cash rate hike

Hold onto your hats, things are about to get a little bumpy. Economists from Australia’s biggest bank are predicting the...
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Flexibility emerges as a key priority for small business loans

Flexibility emerges as a key priority for small business loans

What’s most important to you when selecting a lender to provide finance for your small business right now? Well, Australian...
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Why are houses becoming so much more expensive to build?

Why are houses becoming so much more expensive to build?

Construction costs just rose at the fastest annual pace since 2005. So why is it getting so expensive to build...
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Which cities are expected to have the biggest price growth in 2022?

Which cities are expected to have the biggest price growth in 2022?

National property prices are predicted to rise by up to 9% in 2022, according to REA Group, but which cities...
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One in five young adults are saving to start their own business

One in five young adults are saving to start their own business

Ever dreamed about telling your boss to “shove it” and starting up your own business? Well, there’s been a big...
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Your suburb’s 2021 property report card is in

Your suburb’s 2021 property report card is in

With all the talk of record-breaking property growth throughout 2021, do you know how exactly your suburb and property type...
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Borrowing soars: average loan up almost $100,000 in 12 months

Borrowing soars: average loan up almost $100,000 in 12 months

How much do you need to borrow to buy a typical Australian home these days? Well, the average loan size...
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What was Australia’s top-selling vehicle in 2021?

What was Australia’s top-selling vehicle in 2021?

Some of us buy cars for work, others for play. So it’s no surprise that the top two cars in...
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Homeowners nearly four years ahead on their mortgage repayments

Homeowners nearly four years ahead on their mortgage repayments

Australian homeowners are loading up their offset accounts in record amounts, so much so that the average household is now...
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2022 forecast: places where housing prices aren’t slowing down

2022 forecast: places where housing prices aren’t slowing down

National housing values grew 22.1% in 2021, and there are two capital cities and one region in particular that are...
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Three (financial) New Year’s resolution ideas

Three (financial) New Year’s resolution ideas

Cut calories, increase your steps, abstain from alcohol: each year we set ourselves some pretty lofty New Year’s resolutions, most...
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Don’t drown in Buy Now Pay Later debt this Christmas

Don’t drown in Buy Now Pay Later debt this Christmas

Christmas is fast approaching and there’s a good chance you’ve started turning your attention to gifts for family and friends....
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Up to 4,600 first home buyer guarantees back up for grabs

Up to 4,600 first home buyer guarantees back up for grabs

Want to buy your first home with a deposit of just 5% and pay no lenders’ mortgage insurance? You could...
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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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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.