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Energy_

 

 

 

 

Energy bills have been on the rise and are likely to keep increasing.

Energy bills are a big part of the monthly household budget and recent price rises have added to these costs.#budget #SavinCleanenergy #greenenergy#energy

From using the clothes line instead of a dryer to using solar panels there are plenty of options to stay within your household budget.

The good news is that there are lower price plans in the market and you can save money by switching, especially if you have been on the same plan for a while. So read your current bill carefully and make the necessary changes.

Read more on our Facebook page or at  https://www.energymadeeasy.gov.au/tips-switch.

renovation

 

 

 

 

 

Everyone feels the need to have a home but buying or building a brand new property might be hard for some. Buy what you can afford and over time you can work on a renovation schedule that turns the house into a great home. #FirstHome #Renovation #NewHome #Mortgage #Investment

“The current new home building boom is unlike any other that has come before it. It is the longest and largest in Australia’s history and has provided an unprecedented economic boost to the nation, without which domestic demand would be in or close to recession,” HIA chief economist Harley Dale said.

But as new home construction is expected to bottom out, HIA’s national outlook predicts a recovery in renovation work. Buying a rundown home that is in need of a little TLC makes a smart investment.
Contact Madhu on 0425 341 086 for a mortgage calculator and for investment and mortgage advice .

Read more on LinkedIn and Facebook.

Unity in Diversity

I actively recruit women to join our team though my business operates in the male dominated finance and mortgage industry. Learning to work more effectively and in an environment which is supportive is more important than working 9:00-17:00. As women and family makers we need to work less hours, be productive and need to keep our energy levels. We need to enjoy the small daily pleasures like sitting down to enjoy a chat with the family at the dinner table not completely exhausted. #MortgageBroker#HomeLoan #Broker 

#Women #Diversity #Language

 

How diversity helps

I find that incorporating cultural diversity into my workplace delivers immediate advantages and long-term benefits. Employee diversity greatly increases our ability to rise above the competition. We speak 8 Indian languages apart from English in our office. Taking on a home loan is a huge responsibility and our personalized touch goes a long way in making our clients feel secure.

How you fit in

We encourage self-starters, disciplined and motivated individuals from a Non finance background. Contact us to see what we can offer to people who are optimistic and are constantly learning and applying. Read more on LinkedIn or email your resume to loans@financeandmortgage.com.au to join our team as a business partner, Mortgage broker, Financial Planner and more.

Currency and money in soil with young plant seedlings representing sustainable develepment, finance, economic investment, and finacial growth for the future.

Currency and money in soil with young plant seedlings representing sustainable development in finance, economic investment and in the mortgage industry for the future.

 

 

 

 

 

 

 

 

I have been a mortgage broker for over 10 years now and all I see are the same old products - home loans with fixed rate, variable rates and Line of Equity. As a mother of 20 year old children, I am beginning to question, how best to advise a young client. The aim is to save, earn, invest and grow in a global economy which is changing, but we don’t have products that change. #MarkBouris #Innovation #OlderAustralians #Mortgage #Homeloan

Look ahead, but don’t forget your rear-view mirror: Before venturing into an investment unknown, historical data and forecasts are essential, as input factors and indicators respectively. These provide a comprehensive picture of what you’re diving into.

Don’t go surfing into the storm: Pay extremely close attention to market anxiety levels. You must measure your own ability to react to a crash and avoid it above all.

Should we all not evolve and find a way to sustain ourselves? We can work and be productive till about 55 years of age, then our physical limitations change to a more passive life, but we still want to engage and do things with money and get pleasure out of life.

I love the fact that Mark Bouris is talking about innovation of mortgage products. Why can’t we lend to older Australians ,when we know we will have an aging population? Why not advice reverse mortgage? Why can’t we have a Whole of Life Insurance products that a young 25 year can buy to boost their super, with the knowledge that they are insured till age 99?

“We are always exploring different funding lines," he said. Reports indicate that more than $15 billion of RMBS deals have been issued since January double the amount over the same period in 2016.

“The banks have to change what they can and can’t do, and that is leaving a big gap for many different types of products,” Mr Bouris explained. “One of the things to consider is manufacturing those products ourselves, whether on our own or with somebody else. We’ve got great distribution, and our distribution channels are asking for these types of products. We should all be thinking how we can change the looming social problems with housing unaffordability and create a solution."

The world is evolving and we need to adapt to it, if we want to stay in the race. What changes would you like to see? Let's discuss your ideas on 0425 341 086. You can also read this on LinkedIn and view others' comments.

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