With just one RBA rate decision left for 2024, homeowners may be holding onto hopes of a summer cut. We look at when rates may start falling – and how you could possibly give yourself a rate cut before Christmas. “Are we there yet?” It’s the catch cry of kids on long summer road trips, and it could just as easily apply to homeowners waiting… Read More »Can we expect the RBA to cut back rates this summer?
Saving for a 20% house deposit is like house training a wilful Labrador. It requires plenty of patience and persistence. Not your thing? You could take out lenders mortgage insurance (LMI). But how much extra does that cost? And can you avoid paying for it? (for the LMI, not the dog…) LMI is a type of insurance that protects the lender (not you or any guarantors) if… Read More »How much does LMI really add to a home’s cost?
It’s the great Australian dream for many: giving the 9-to-5 grind the flick and running your own show. But when it comes to taking out a home loan, being your own boss can dish up some unexpected hammer blows. Rightly or wrongly, lenders tend to see self-employed borrowers as a higher risk compared to employees. That’s largely because, by and large, their income isn’t as guaranteed.… Read More »How to nail a home loan if you’re self-employed
Negative gearing is in the headlines again. But what is it all about, and could it affect you? We explain how negative gearing works, why it’s so popular among investors, and why it’s attracting fresh attention. Australians love property. So much so that more than one-in-ten adults (2,268,161 Australians) own an investment property. So why is property such a popular investment? Well, landlords can earn… Read More »What’s going on with negative gearing?
Planning to buy your first home? It takes (on average) about five to six years to save a deposit at present. But who’s got the patience to save for six years? Today we’ll look at four ways you could fast-track home ownership. They say patience is a virtue. But the narrator/protagonist of the poem that coined that famous phrase was an idle vagabond – not exactly an inspiration for… Read More »How long it takes to save a deposit (and how to fast-track it)
Thinking of holding off buying until interest rates fall? Wait until you see what could happen to home prices. Here’s why it could make sense to buy sooner rather than later if you’re home loan-ready. September saw the nation’s official cash rate kept on hold once again. But there is growing consensus that the RBA may cut the cash rate at one of its next… Read More »Could rate cuts mean house prices heat up again?
Starting a small business is exciting, but it can also be daunting, especially when you’re competing against larger, more established companies. However, with the right strategies, you can level the playing field and succeed. Identify Your Unique Selling Proposition (USP) Your USP is what sets you apart from the competition. It could be the quality of your product, your excellent customer service, your niche focus,… Read More »David vs. Goliath: How Small Businesses Can Compete with Larger Competitors
Remember the first time you stepped into a gym? It’s unlikely you swaggered your way over to the free weights rack and started busting out squats. Well, it turns out buying your first home can be just as daunting, with 91% of first-home buyers turning to a mortgage broker for guidance. When it comes to financial decisions, they don’t come much bigger than buying a… Read More »Why 9 out of 10 first-home buyers use a mortgage broker
TikTok and Instagram reels are fun, fast and free – but it’s important to be picky about whose content you’re viewing, especially if you’re in the market for a home loan. Chances are, if you’re reading this blog via a social media site, then you’ve also watched a TikTok or Instagram video before, too. In fact, more than 8.5 million Australians are active on TikTok and almost 14… Read More »TikTok vs talking to your broker? It’s no contest
A reliable bookkeeper can be a valuable asset, but finding the right one at the right price can be a challenge. In this post, we’ll explore the factors influencing bookkeeping rates in the Gold Coast and provide insights on how to choose a service that aligns with your business’s needs and budget. Key Factors Affecting Bookkeeping Rates: Scope of Services: The level of bookkeeping support… Read More »How Much Does Bookkeeping Cost? A Gold Coast Business Owner’s Guide
Then, let Flexible Financial Solutions, your trusted partners, help you with your lending and business needs. We're here to help.
Flexible Financial Solutions is a Commercial & Residential lending and Xero bookkeeping specialist located on the Gold Coast. Our focus is simple; to help you keep track of your financial needs so that you can maintain a strong financial position and focus on growing your revenue and your profit.
Flexible Financial Solutions Pty Ltd (CRN 553675) and Angelique Sheedy has access to a panel of lenders through National Mortgage Brokers Pty Ltd., (ACN 093 874 376 / Australian Credit Licence 391209), which is a fully owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248 983 / Australian Credit Licence 286596). Angelique Sheedy & Flexible Financial Solutions Pty Ltd has access to products including those from Liberty Financial
