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Homeowners refinancing in record-high numbers: explore your options

Homeowners refinancing in record-high numbers: explore your options

Homeowners in record-high numbers are taking advantage of reduced interest rates and competitive refinancing offers. Are you ready to take the leap? 
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How to smooth out your business’s insurance and workers comp premiums

How to smooth out your business’s insurance and workers comp premiums

Getting a bill in the mail is never pleasant, but your annual insurance and workers compensation premiums can be particularly tough lump sums to swallow. There is, however, an affordable financing option that can limit the impact on your business’s cash flow. Let’s take a look.
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$1 lenders mortgage insurance for eligible first home buyers

$1 lenders mortgage insurance for eligible first home buyers

You’ve probably heard something along the lines of ‘you need a 20% deposit to buy a home’, right? Well, not necessarily. Today we’ll look at two options available to eligible first home buyers, including a $1 lenders mortgage insurance offer that’s just been launched.
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Loan deferrals to be extended for customers who need extra breathing space

Loan deferrals to be extended for customers who need extra breathing space

Home and business owners struggling financially due to COVID-19 will be given another four months to resume paying back their loans.
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Why you should care about the new ‘Open Banking’ era

Why you should care about the new ‘Open Banking’ era

‘Open Banking’ is now officially upon us. But what does that mean and why should you care? Well, in a nutshell, it’ll be easier and quicker for you to get a better deal on banking products going forward.
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Want to buy your first home with a 5% deposit and save up to $10,000?⁣⁣

Want to buy your first home with a 5% deposit and save up to $10,000?⁣⁣

On your marks, get set, go! The race is on for limited spots in the federal government's First Home Loan Deposit Scheme, which kicked off again on July 1.⁣⁣
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Final touches on $25,000 HomeBuilder scheme announced

Final touches on $25,000 HomeBuilder scheme announced

The “crucial final touches” on the federal government’s $25,000 HomeBuilder scheme have been revealed. Will your build be eligible?
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Last chance for $150,000 instant asset write-off this financial year

Last chance for $150,000 instant asset write-off this financial year

Keen to buy a vehicle or another asset for your business and immediately write off the cost? You’ve got just a few days left to take advantage of the $150,000 instant asset write-off for this financial year.
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Best Aussie suburbs to find a "renovator’s dream"

Best Aussie suburbs to find a "renovator’s dream"

Most of us have at one time dreamed of discovering a hidden little gem and renovating it into the most enviable house on the street. With the $25,000 HomeBuilder grant, those dreams are closer to becoming a reality for many. But where to look?
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Best Aussie suburbs to find a "renovator’s dream"

Best Aussie suburbs to find a "renovator’s dream"

Most of us have at one time dreamed of discovering a hidden little gem and renovating it into the most enviable house on the street. With the $25,000 HomeBuilder grant, those dreams are closer to becoming a reality for many. But where to look?
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You might be closer to your first home deposit than you think

You might be closer to your first home deposit than you think

You’ve probably heard the federal government is giving $25,000 grants to eligible Australians looking to build or substantially renovate their homes. Today we’ll look at what that means for first home buyers when combined with state and territory schemes.
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SMEs get instant asset write-off extension, but EOFY deadline looms

SMEs get instant asset write-off extension, but EOFY deadline looms

Great news for small business owners: the federal government has extended the $150,000 instant asset write-off to 31 December 2020, but you’ll need to act asap if you want to make use of the scheme this financial year.
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So, who’s eligible for the $25,000 HomeBuilder scheme?

So, who’s eligible for the $25,000 HomeBuilder scheme?

You might have heard that the federal government will give eligible Australians $25,000 to build or substantially renovate homes as part of the new HomeBuilder scheme. Today we’ll look at who exactly can qualify for the initiative.
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How the instant asset write-off applies to vehicles

How the instant asset write-off applies to vehicles

Got your eye on a shiny new vehicle for your business thanks to the $150,000 instant asset write-off? We've got the answers to the FAQs many business owners are asking ahead of the looming EOFY deadline.
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4 important upcoming business deadlines

4 important upcoming business deadlines

Interested in a $10,000 business grant? How about buying a much-needed asset and immediately writing off the cost? Here are four looming deadlines your business may need to start moving on ASAP.
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First home loan deposit scheme reaches capacity (for now)

First home loan deposit scheme reaches capacity (for now)

The 10,000 guarantees available via the new First Home Loan Deposit Scheme have been filled or reserved, but for those who missed out there’s a second chance coming soon in July.
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Goodbye stamp duty?

Goodbye stamp duty?

The dreaded and controversial stamp duty tax could soon be a thing of the past, with calls for it to be abolished gaining momentum.
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Relief for SMEs: tardy paying companies given final notice

Relief for SMEs: tardy paying companies given final notice

Promising news for SMEs this week: supply chain financing provider Greensill has given late-paying companies formal notice that it will ditch them if they continue to extend their payment terms beyond 30 days.
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Cash rate to remain at record-low level until 2023: experts

Cash rate to remain at record-low level until 2023: experts

Here’s a bit of welcome news for mortgage holders: Australia’s record-low cash rate is likely to remain in place until 2023, according to leading economic and property experts.
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Wait, the bank can do that!?

Wait, the bank can do that!?

Every now and then a bank does something that bucks the trend and takes customers by surprise. Today we’ll look at two cases that recently made national headlines and how you can reduce your chances of getting caught out.
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PO Box 1218

Kingscliff NSW 2487

paul.cluff@moneysmithgroup.com.au

M 0433 149 788

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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.