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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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COVID hardship and grant options that could help you

COVID hardship and grant options that could help you

With the pandemic once again tightening its grip around many parts of Australia, today we’ll run you through hardship and...
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Cash flow tips for businesses thriving and surviving the pandemic

Cash flow tips for businesses thriving and surviving the pandemic

Australia is a tale of two economies right now, depending on the state or sector your business is based in. Today we’ll run you through three cash flow tips for your business, whether it’s growing or struggling.
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Buy Now Pay Later users put on notice by credit agency

Buy Now Pay Later users put on notice by credit agency

Do you use a Buy Now Pay Later (BNPL) service like Afterpay or Zip? If so, be warned that one leading credit reporting agency has made a big change that means your BNPL data will go onto your credit report.
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What’s the best day to auction your house?

What’s the best day to auction your house?

Drive or walk around your local suburb mid-morning on a Saturday and chances are you’ll pass a few freshly banged up ‘Auction’ signs. But is Saturday actually the best day to auction your home? New data suggests perhaps not.
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Need help paying your insurance and workers comp premiums this year?

Need help paying your insurance and workers comp premiums this year?

As if Australian business owners hadn’t faced enough challenges this past year - now the dreaded annual insurance and workers compensation premiums will soon arrive in mailboxes. Here’s how to smooth ‘em all out (and get an early bird discount!).
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Green thumbs beware: one-third of veggie gardens contaminated with lead

Green thumbs beware: one-third of veggie gardens contaminated with lead

One of the most exciting things about moving into your own home is doing whatever you want with it, such as growing your own veggie patch. But did you know more than a third of Aussie backyards are contaminated with lead? Here’s how to get your soil tested for free.
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How much extra will your mortgage cost when interest rates rise?

How much extra will your mortgage cost when interest rates rise?

After 18 straight RBA cash rate cuts it can be easy to dismiss the notion that interest rates might rise again. But if the cash rate returned to mid-2019 levels, how much extra would an average new mortgage holder expect to pay each month? Let’s take a look.
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It’s on! First home loan deposit schemes open for applications

It’s on! First home loan deposit schemes open for applications

If you’d like to buy your first home with just a 5% deposit and pay no lenders mortgage insurance (LMI), then you better act quick, as thousands of first home buyers are expected to rush to apply for the limited spots up for grabs.
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EOFY alert! Financial year end just days away

EOFY alert! Financial year end just days away

Small business owners wanting to buy a vehicle, asset or important piece of equipment and immediately write off the cost only have a few days to act this financial year.
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Property price caps increased for first home loan deposit scheme

Property price caps increased for first home loan deposit scheme

First home buyers can now purchase more expensive properties under the federal government’s hugely popular 5% deposit, no LMI scheme.
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Size matters: how to get more bang for your buck on property sizes

Size matters: how to get more bang for your buck on property sizes

An increasing number of Australians are prioritising larger homes and bigger blocks in their house-hunting endeavours since the pandemic began. But where to look? Well, a new search tool helps you calculate which suburbs offer the best bang for your buck.
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Aussie businesses load up on light commercial vehicles

Aussie businesses load up on light commercial vehicles

Australian businesses have shifted things up a gear this year, with new asset finance figures revealing a 187% rise in light commercial vehicle purchases since January.
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33 suburbs where buyers still have the upper hand over sellers

33 suburbs where buyers still have the upper hand over sellers

Most of Australia may be a seller’s market right now, but there are still a few dozen suburbs around the country where there’s more housing stock available than in previous years. Today we’ll check out which 33 suburbs are still offering plenty of options for buyers.
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4 in 5 hopeful buyers don’t understand key financial concepts

4 in 5 hopeful buyers don’t understand key financial concepts

While most Australians dream of owning their own home, the majority of hopeful homeowners admit they don’t fully understand how home loans or mortgage rates work. That’s why we make it our mission to enlighten you during your home buying journey.
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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  is an Authorised Representative No. 000355390, and PCFC Group Pty Ltd, ATF PCFC Group Trust is a Corporate Authorised Representative No. 001249859 and of  Spark Advisors Australia Pty Ltd AFSL 380552.

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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: The information in this website and the links has been prepared for general information purposes only and does not take into account your personal objectives, financial situation or needs. It is not intended to provide commercial, financial, investment, accounting, tax or legal advice. You should, before you make any decision regarding any information, strategies, or products mentioned in this website, consult a professional financial advisor to consider whether it is suitable and appropriate for you and your personal needs and circumstances. Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product, together with the Target Market Determination (TMD)”.