Six ways to fund a renovation

Six ways to fund a renovation
Have you been dreaming of renovating but unsure of your finances? Discover how to make your renovation dreams a reality

Finance made simple

Finance made simple
Are your finances driving you crazy? Take a quick lesson is how to simplify complex finances

The Value of Mortgage Broking

The Value of Mortgage Broking
Are you ready for higher home loan interest rates? How about more expensive home loans? New legislation threatening the mortgage broking industry could make this nightmare a reality

10 Questions to Ask Your Credit Adviser

10 Questions to Ask Your Credit Adviser
You've saved & you've saved & you've saved. So, what now? Here are 10 important questions you'll want to ask your credit adviser to get you heading in the right direction.

Property can be a Challenge

Property can be a Challenge
When we talk about buying a home, there a few things that will be a greater financial commitment. So this is where the experts come in.

Refinancing a Business

Refinancing a Business
Do you have plans to restructure or refinance your business? The key to success may be simpler than you thought

A home of one’s own

A home of one’s own
A Credit Adviser recently helped a single first-home buyer who wanted to live in the eastern suburbs in Sydney. She decided to downsize from her large rental and buy an affordable studio in which to live.

What to expect from your first meeting with your credit adviser

What to expect from your first meeting with your credit adviser
Your first meeting with a credit adviser is an opportunity to really get cracking on making your dreams a reality

How a guarantor can help you secure finance

How a guarantor can help you secure finance
When you’re desperately trying to save up a deposit for a home and just see the prices of property climbing and climbing, it’s difficult to remain patient. But there is another way: a guarantor can help

Case study: corporate restructure to improve cashflow

Case study: corporate restructure to improve cashflow
Case Study: Experiencing difficulty covering superannuation payments, the directors of a large medical company asked their Broker if he could provide them with financial knowledge to help get them back on track

Beauty at a cost - renovating a heritage listed home

Beauty at a cost - renovating a heritage listed home
Working on a heritage listed property comes down to knowing the implications of your proposed plan.

What to consider before renovating

What to consider before renovating
The decision to renovate is a common sticking point for homeowners, who can spend hours weighing up the cost benefits.

Can you make extra home loan repayments?

Can you make extra home loan repayments?
Making extra repayments on your home loan can be a clever financial strategy. Investing your extra cash into your home can speed up your loan’s life cycle, with the added benefit of saving money in the long run

Is Brexit a Good Thing for Australia?

Is Brexit a Good Thing for Australia?
Under the United Kingdom’s exit plan, the government voted to leave the European Union on the 23rd of June 2016, the UK will remain a member until the 29th of March 2019.

On the First Day of Christmas, My True Love Gave to Me… An Overpriced Partridge in a Pear Tree

On the First Day of Christmas, My True Love Gave to Me… An Overpriced Partridge in a Pear Tree
It turns out the classic ‘12 Days of Christmas’ carol is not actually that cheap. In 2018, the total twelve gifts of Christmas are equal to $53,922.27 AUD- a 1.2% increase from 2017.

Why paying off your credit cards is not enough

Why paying off your credit cards is not enough
It seems like a no-brainer, right? You are buying a home, so you’ll pay off your credit cards to reduce your debt, but keep them active so you can buy some furniture or deal with emergencies even when you have a mortgage to pay. Wrong.

Investing in a holiday house? Location is everything

Investing in a holiday house? Location is everything
When deciding whether or not to buy a holiday house or unit as an investment, you would be best served to consider location first. Call us today on 130 930 106

The Bright Side to the RBA Raising their Rates

The Bright Side to the RBA Raising their Rates
Although the Reserve Bank is expected to continue to keep the cash rate low, small banks and non-bank lenders are increasing their rates, with the big banks following suit.

Three things you need to ask your partner before you apply for a home loan together

Three things you need to ask your partner before you apply for a home loan together
You’ve found someone you want to spend your life with. You know each other well enough to know whether or not you each blow the budget every month, but before you buy a property together, there are plenty of discussions you need to have

4 Red Flags you Should Break Up with your Home Loan Lender

4 Red Flags you Should Break Up with your Home Loan Lender
Like all relationships which start out with that romance where you are swept off your feet by everything that is promised by the other party, your partnership with your bank may have come to the end of its honeymoon stage/

Save $2,000 by Christmas by doing this One Thing

Save $2,000 by Christmas by doing this One Thing
At LKFS, we have two options that can help you purchase those last minute gifts and that much needed holiday, either through obtaining a cashback offer or through refinancing and saving thousands!

Is Australia Really In a Housing Bubble?

Is Australia Really In a Housing Bubble?
According to CoreLogic, approximately 60% of Australia’s wealth is concentrated in residential properties, equalling almost $6.5 trillion dollars, across 9.6 million dwellings

Barriers to Growth for South Australian Businesses and how to Mitigate Them

Barriers to Growth for South Australian Businesses and how to Mitigate Them
While there are 143,000 small businesses in South Australia, growth has remained stagnant at 1.6%, from 2016 to 2017, compared to the national growth rate of 3.1%; this small stymie of growth is likely the result of high overhead costs, along with wage costs and materials.

A buyer’s guide to purchasing a property with friends

A buyer’s guide to purchasing a property with friends
If you’re looking for a creative way to overcome being locked out of the property market by rising prices, buying a house with a group of friends may be a solution. It can also be a minefield though, so here’s how to avoid a blast.

7 tips for securing a business loan

7 tips for securing a business loan
Banks and other financial institutions offer a wide range of business finance options. Here are some tips on how to improve your chances of success

What to look for at an open house

What to look for at an open house
There’s an old saying that you should never judge a book by its cover, and this is true for houses – after all, who would buy one having never seen more than the front door?

Dopamine and The Dangers of Afterpay

Dopamine and The Dangers of Afterpay
The Afterpay addiction is real- shoppers are signing up in trolleys.

Westpac Raises Interest Rates on Home Loans - Which Bank is Next?

Westpac Raises Interest Rates on Home Loans - Which Bank is Next?
The banking industry has been subject to severe condemnation after the royal commission exposed highly damaging revelations that brought about intense political pressure for industry revisions.

3 Simple Steps to Switching Banks

3 Simple Steps to Switching Banks
Studies have found that 40% of Australians fell into this category and have been with the same bank they were signed up for in childhood. Out of this 40%, one in five individuals said that the thought of switching banks either hadn’t occurred to them or they just couldn’t be bothered.

Young Australians are keen to invest in bricks and mortar but don’t know where to start.

Young Australians are keen to invest in bricks and mortar but don’t know where to start.
Since building a home does not happen every day, it should be a fun and enjoyable process, so it is important to feel as comfortable as possible along the way.