We have continued to enjoy largely positive results with equity markets overall despite increased volatility and political uncertainties globally. Positivity seems to be the state of play despite many alarming factors, such as the wars waging in Europe and the Middle East; shift away from the ... Read more
Your fixed rate loan is ending? What should you do? by David Agius
I am having a lot of conversations with existing and new clients about their fixed rate loans that are coming to an end. During the peak of the pandemic, the RBA provided banks access to cheap three-year fixed rate funding which they on-lent to their customers. It was estimated that fixed rate ... Read more
Economic and Market Update by Aziz Meherali
As largely expected, 2023 has seen market volatility and uncertainty reign high despite company reporting still being robust and performing above market expectations for the most part. The market rally, in particular over the past 3 or so months, has been largely concentrated in the Big End of town ... Read more
Construction loans by David Agius
If you’re thinking of building your own home or doing a major renovation on your existing home, you’ll need to be familiar with the ins-and-outs of construction loans. Construction loans are not as straightforward as standard home loans. There are additional decisions to be made about the structure ... Read more
Economic and Market Update by Aziz Meherali
It is exciting coming into the Christmas and Festive Season break and I am sure we are all looking forward to it. Hopefully, the gathering of families, the excessive appetite for all things yummy (and fattening), and the sense of warmth and well-being will help us overcome what has been a very poor ... Read more
Property Review by David Agius
With the old adage, what goes up must come down, we saw that with Australian housing market in 2022, but what for next year? During the pandemic, house values across Australia increased some 28% driven largely by record low interest rates, a shortage of housing supply and pent-up demand ... Read more
Tips to help ease the guilt and anxiety of indulging at Christmas
It really is the most wonderful time of the year! For adults, Christmas is synonymous with relaxing with family and friends in the warmth of summer, a cold drink, BBQs, chocolates, cheese, cake and every other decadent and delicious thing you can think of. You often feel the pangs of guilt and ... Read more
Economic and Market Commentary by Aziz Meherali
Reality and theory often do not go in tandem with how markets react. This has been our experience since the beginning of 2022, and markets have continued to remain erratic for the duration of this year so far. Recent data across the US shows jobs and retail sales are still quite robust and ... Read more
Top tips for negotiating a property price by David Agius
Here are our top tips to tactfully negotiate the price without ruining your chances of securing the property. Tip #1: Never enter a negotiation empty-handed Whether it’s hiring inspectors for a building and pest report, or obtaining quotes from tradespeople, obtaining facts and figures ... Read more
Economic and Market Update by Aziz Meherali
Rising inflation, the conflict in Ukraine, prolonged supply chain issues, pandemic-related lockdowns in China and monetary policy tightening by central banks have weighed on financial markets recently, stoking concerns about a global economic slowdown. Most analysts put a US recession at 50/50 ... Read more