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7 ways you can use a reverse mortgage

7 ways you can use a reverse mortgage

Got retirement on your radar? A reverse mortgage can help you improve your standard of living during your golden years. Today we’ll look at how some Aussies are using them.
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SMEs need more support from lenders to grow: RBA

SMEs need more support from lenders to grow: RBA

The ‘pendulum may have swung a bit too far’ when it comes to the tight lending standards currently imposed on small businesses, says the Reserve Bank of Australia (RBA).
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RBA cuts cash rate, but will the banks pass it on?

RBA cuts cash rate, but will the banks pass it on?

The Reserve Bank of Australia (RBA) has cut the official cash rate by 25 basis points to a new record low of 0.75%. But will the banks pass on the interest rate cut in full to you?
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Four ways to dive into the property market with a smaller deposit

Four ways to dive into the property market with a smaller deposit

Three-in-five prospective first home buyers intend to buy soon with a smaller deposit, rather than wait until they have saved a 20% deposit. So how do they plan on doing so?
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Business loan rejection causing SME cash flow issues

Business loan rejection causing SME cash flow issues

More than one-in-five SMEs are having cash flow problems due to business loans being rejected, according to new research.
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Home-ownership within reach: will you qualify for new buyer scheme?

Home-ownership within reach: will you qualify for new buyer scheme?

Imagine buying your first home with only a 5% deposit and not having to pay lenders mortgage insurance. Well, that dream is one step closer to reality after the government introduced legislation to implement the First Home Loan Deposit Scheme.
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Has the tide turned? Household lending surges

Has the tide turned? Household lending surges

Lending to Aussie households spiked 3.9% in July, the strongest growth seen since October 2014, according to the Australian Bureau of Statistics (ABS).
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Is the housing market drought finally over?

Is the housing market drought finally over?

Marge, Marge, the rains are ‘ere! Home prices have recorded their first rise since October 2017, with national dwelling values increasing 0.8% over August, according to the latest CoreLogic report.
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Ever dreamed of starting your own business?

Ever dreamed of starting your own business?

Ever been tempted to tell the boss you’re leaving to start your own business? You’re not alone. In fact, more than nine million Aussies dream about becoming their own boss.
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Buy now, pay now: the importance of budgeting for gifts

Buy now, pay now: the importance of budgeting for gifts

How much do you think the average Aussie spends on gifts each month? $20, $50 or 100? (hint: we’re a generous bunch). Today we’ll look at why it’s important to budget for these expenses correctly, rather than succumbing to ‘buy now, pay later’ services.
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New code to protect Aussies buying solar panels

New code to protect Aussies buying solar panels

Ever thought about investing in solar panels for your home? If so, you’ll know it’s a big decision and there’s a lot to wrap your head around. Fortunately, the consumer watchdog is proposing a new retailer code to make solar purchases safer and easier.
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Caviar and wine, anyone? What a court ruling means for you

Caviar and wine, anyone? What a court ruling means for you

Indulgences such as caviar, wagyu beef and the finest bottles of wine shouldn’t count against you when lenders assess your application for finance, a Federal Court judge has said.
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On the hunt for a new loan provider?

On the hunt for a new loan provider?

One in 10 consumers have switched credit products in the past year, according to new research, with Millennials and women in particular pouncing on offers from small banks, credit unions and building societies.
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Time’s ticking: ATO to report overdue tax debts to credit agencies

Time’s ticking: ATO to report overdue tax debts to credit agencies

Businesses that put off paying large tax bills for too long may soon find that the Australian Taxation Office (ATO) has notified credit reporting bureaus.
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How criminals steal your identity to steal your money

How criminals steal your identity to steal your money

Scams involving identity theft have cost Australians at least $16 million this year, and that figure is likely to be just the “tip of the iceberg”, says the ACCC.
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Have your smashed avo and eat it too!

Have your smashed avo and eat it too!

One of the most annoying myths for young homebuyers has to be the smashed avo breaky one. You know - to buy a property you have to forego delicious weekend breakfasts. Well, here are three easy recipes that prove otherwise.
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Got a spare pineapple? Pay off your mortgage faster

Got a spare pineapple? Pay off your mortgage faster

Reckon you could scrounge together an extra $50 each week to pay off your mortgage? If so, latest modelling shows the average household with a $400,000 loan could save $46,992 and pay off their home loan four years faster.
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Housing affordability the best it’s been since 1999: HIA

Housing affordability the best it’s been since 1999: HIA

Great news for home buyers - housing affordability is the best it’s been since 1999, according to new data released by the nation’s peak housing and building body.
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What the cash rate cuts mean for other areas of your finance

Whenever the Reserve Bank of Australia (RBA) changes the official cash rate we all hear about how it will impact home loans. But it affects many other areas of finance and the economy, which we’ll look into today.
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RBA goes back-to-back with cash rate cuts

RBA goes back-to-back with cash rate cuts

The Reserve Bank of Australia (RBA) has cut the official cash rate by 25 basis points to a new record low of 1%. Yep, that's right, back-to-back rate cuts within just one month.
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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.