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Here are our expert tips for a brighter New Year

jan new year

1) Max out your Super contributions and take advantage of the annual limits #Planning #MoneyMatters #HomeLoan#20172018

2) Dump do-nothing credit cards in favor of New Year specials like 0% interest rates, travel points and cash back opportunities. #CreditCard #NewYear #2018

3) Be prepared for whatever: Set aside one month’s salary for emergencies.

4) Reward yourself: Use the credit card points you’re racking up to buy something just for you.

5) Partner up: An experienced Financial Planner can do wonders for your finances. Making good decisions all year long is easier with the right planner.

Contact Madhu on 0425 341 086 or loans@financeandmortgage.com.au to plan your finances in the coming new year.

Renovation paint card

Renovation paint card

Purchasing a home is a big expense and responsibility. When you take possession or live in a home for a few years, you tend to want to make changes. The following are the top 5 most popular and value adding renovations you can do for your home.

#homeowner #HomeBuyer#Renovation #Construction #HomeLoan #Mortgage #DIY

Entry Door
Your front door is the first impression many visitors will have of you and your home. Getting a door that suits your taste allows you to differentiate yourself from your neighbors. A steel entry door provides the best value, security and energy efficiency or a fresh coat of bold paint will make a statement. It also makes an easy DIY renovation project.

Wooden Deck
When home buyers look at houses, a deck is one of those items that almost everyone can picture throwing a party on. It also adds a lot of value and added usable space in your home.

Pergola
A pergola offers a sleek and stylish option to not only protect your deck investment, but also you and your furniture. Having a covered portion of your deck allows you to still use your beautiful deck and backyard even in difficult weather.

Kitchen
The kitchen is often the room where every member of the family spends the most amount of time. Unfortunately, it is also one of the most expensive rooms in the home to renovate. As kitchen cabinetry trends go in and out of style within a decade it can often be the one area of your home that can look dated quickly. An updated paint job or just changing the hardware will make a big impact.

Garage Door
Finally, the garage door is often neglected. It represents about 20% of the front of your home visually if it faces the front. A new automatic electric door can also provide that luxurious comfort of simply driving into the garage during hot summer or cold winters, making its value and luxury unbeatable.

Contact Madhu on 0425 341 086 to value your home and to capitalise on your property's equity.

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