It’s easy to get wrapped up in the busy-ness of the season and end up spending far more than you intended at Christmas time. From buying extravagant gifts to decorating your home to the endless entertaining: Christmas spending quickly adds up. Which is why creating a Christmas budget makes perfect sense. Here are some key steps you can take to set a budget for Christmas that won’t break your bank.

When assessing your home loan application, your lender will look closely at your financial situation, including your employment history, your income and any assets, as well your liabilities – or debt – and your outgoing expenses. Your debt to income ratio (DTI) is an important factor in this process, which some lenders use to measure your ability to make repayments.

New research has revealed that nearly a third of Australian households are already under mortgage stress, a figure that looks set to continue rising if past figures are anything to go by. Read on to find out how to prevent yourself from falling into mortgage stress, and what to do if you’re already in it.

According to the Reserve Bank of Australia, the nation spent an estimated $30 billion dollars on credit cards in December 2017. Almost half of all Aussies won’t be able to repay their Christmas spending within their interest-free period. If you’re one of those who overspent during the holidays, it’s time to take action. Here’s how we suggest you manage your Christmas debt hangover.

There’s nothing quite like Christmas for evoking memories of long, lazy summer days, presents under the tree, and BBQ’s on the beach. Unfortunately, for many people though, Christmas can be a stressful time too. Coping with extra expenses at this time of year without blowing the budget is a challenge. Here are our tips for doing just that.

Your credit score is used by lenders to determine your lender-ability and in deciding what interest rate you’ll be charged. Having a good credit score could mean the difference in thousands of dollars spent or saved, so it’s understandably an important factor in your financial life. Here are some of the things that could impact your credit score.

Finding the right home loan isn’t as easy as it sounds. With so many mortgages on offer – each with its own conditions, terms, features and rates – it can start to feel like you’re navigating a mine field. To help you avoid a potentially costly mistake, here are some of the mortgage traps you need to look out for when choosing the right home loan.

With house prices reaching record-high levels, the amount of debt that home owners are having to take on is quite staggering when compared to previous generations. If you’re fortunate enough to own your own home, you’ve likely already experienced some form of mortgage stress. Have a look at these simple strategies that will help you take control of your mortgage and relieve some of the mortgage stress you may be feeling.

Does it feel as if you can’t keep track of all of your debt? Are you missing repayment dates? Do you need help reducing your debt? If you need to take control of your debt, a debt consolidation loan may be the answer.

While it may feel a little like you’re simply moving your problem to another loan, a debt consolidation loan can help simplify your repayments and can even help reduce your debt over time. To help you decide whether or not a debt consolidation loan is the right decision for you, here are a few things you need to know.

Getting a mortgage has always been harder for people with bad credit. But having bad credit doesn’t necessarily mean the end of the road when it comes to buying property. By working with a mortgage adviser or mortgage broker, we’ll analyse your credit situation against the various lending policies, and find the best possible solution to fit your needs.