Category Archives: Haven Newsletter

Haven Newsletter – Autumn 2017

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Welcome to our first edition of Haven for 2017. Our lead finance articles focus on two topics that are frequently in the home loan headlines. With interest rates still low, should you be looking to switch your home loan to a lower rate option to help pay down your mortgage quicker? We’ve put together a guide to refinancing that may help you make the decision. Our second article focuses on first home buyers and affordability, and with many feeling it’s near–on impossible to get into the market for the first time, we run a microscope over this contentious topic. If you fall into either of these camps, be sure to read our thoughts. It might not be a common thing in our modern times, but nothing beats the smell of freshly baked bread wafting through a house. In Haven Food we have a great recipe for a delicious oatmeal bread...
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Haven Newsletter – Summer 2016

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Welcome to our summer edition of Haven. Do you know what an offset savings account is? A recent survey has shown almost half of those Australian mortgage holders quizzed were unsure about how they work. We investigate how an offset account may help you pay off your mortgage sooner. If you're new to the property buying game, you may be mystified by the real estate jargon. To help clear the air, we've put together a list of terms you're likely to encounter when buying or selling a house. Are you planning to renovate? With DIY going digital we've put together a list of ten useful design and renovation apps that should help you on your way. Think of them as your virtual tradie. Please enjoy this edition of Haven and as we move into the festive time of the year I would like to wish you and your family a...
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Haven Newsletter – Spring 2016

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Welcome to our spring edition of Haven. The federal election brought with it lots of chatter about negative gearing in the property market. And while the word tax is enough to make anyone cringe, we thought it timely to take a closer look at the tax implications of owning a property. Are you looking to sell your house? While spring is traditionally considered the best time to sell a property, we delve into some strategies that will help you get the best price for your place regardless of the season. Our Haven Food recipe is a decadent raspberry, pistachio and chocolate brownie. And it’s even bordering on guilt-free because it’s vegan! Be sure to check it out if you have a sweet tooth. If there is anything happening in your financial landscape that I may be able to assist with, please don’t hesitate to get in touch. I’m always here...
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Haven Newsletter – Winter 2016

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Welcome to our winter edition of Haven. In 2015 regulators sought to apply the brakes to investment lending and this saw many of the country’s larger lenders tighten up on investment loans. The changes made by the lenders meant borrowing for an investment property was in many cases tougher, however there are still many funding possibilities out there. Check out our article on how to improve your investment borrowing power and pick up the phone if you’d like to talk through your situation. With many Gen Ys staying in the family home late into their twenties, the risk of them becoming a long-term financial burden on their parents is a new reality. We take a look into the importance – for both your savings and your child’s budgeting skills – of charging your adult kids board. I hope you enjoy this edition of Haven. If you have any questions about...
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Haven Newsletter – Autumn 2016

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Welcome to our first edition of Haven for 2016. The great Australian dream of owning your own home is one that many still hold dear. While escalating property prices may make many first home owners feel that this dream is out of reach, continued low interest rates are a tantalising carrot that could be too hard to resist. Our lead story runs through the key ways of getting into the market if you’re looking to buy your very first home. Dorothea Mackellar wrote of her love of a sunburnt country, despite its flood and fire. Indeed the flipside of the very things we love about this wide brown land are the natural disasters we are exposed to. Recent devastating bushfires and floods are a timely reminder to carefully consider if you have adequate home insurance cover. Our story on this delves into what you need to know to ensure you...
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Haven Newsletter – Summer 2015

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Welcome to our summer edition of Haven. You may have thought about the need to get in shape for summer, but how about some focus on getting your finances in shape? Our lead article revisits the time-tested basics to help you shrink the size of your mortgage. The ways to do this might be familiar, but it's always worth a reminder to help keep you on track in the mortgage reduction race. And how do you think you rate when it comes to general knowledge about money and how it can work for you? We've put together a quick money quiz to test your finance smarts - see if you can get a perfect 10. As we fly towards the end of 2015, I would like to take this opportunity to wish you and your family the very best for the approaching festive season and a happy and safe New...
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Haven Newsletter – Spring 2015

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With spring in the air it’s time for another information-packed edition of Haven. Interest rates are at record lows, but at the same time the average mortgage size in Australia has reached an all-time high. During such a cycle it’s crucial that mortgage holders aren’t lulled into a false sense of security, leaving them open to a shock when rates inevitably rise. Our Ease the Squeeze article looks into ways to take advantage of low interest rates now, to ensure that you’ve built a safety buffer for the future. Do you feel that you’ve missed the investment property boat? Our Late Bloomers article considers becoming a first-time property investor when middle-aged, so if you fall into this category be sure to cast an eye over this story. Banana bread is nice to eat on its own, but it’s even better as an ice cream sandwich! Our Haven Food recipe features...
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Haven Newsletter – Winter 2015

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Welcome to our winter edition of Haven. Did you know that Australian credit reporting has changed in the past year? Where once an individual’s credit report only looked at the negatives, since March 2014 credit reports have changed to consider both the negatives and positives. Check out our lead article to understand what this change may mean for you. With the end of the financial year on the horizon, winter is a great time to think about your fiscal fitness and run a health check of your incomings and outgoings. Just as you might make new year’s resolutions in January, the move into the new financial year is a great time to make some money-related resolutions. Haven takes a look at how to bring your financial fitness up to speed. We love rewarding our readers via our quarterly competition. In this edition we want to dig back into your childhood,...
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Haven Newsletter – Autumn 2015

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Welcome to the autumn edition of Haven. After enjoying record low interest rates in 2014, many Australian borrowers are wondering what lies ahead in 2015. While a crystal ball is perhaps the only thing that might provide the definitive answer, a combination of economic factors indicate that rates are likely to remain a hot topic. Our lead story delves into what the year ahead holds and looks at ways for borrowers to plan and adjust in readiness for potential changes. Figures show that more Australian families are pooling resources and moving into living arrangements with their parents or in-laws in order to get ahead in the property market. Multi-generational living in Australia has increased massively in the past 30 years, and we take a look at why so many are making this lifestyle choice. In our Haven competition this quarter, we’re searching for Australia’s most mischievous toddler. Do you have...
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Haven Newsletter – Spring 2014

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Welcome to the spring edition of Haven. Spring is here and as we shake off the winter chills now could be a great time to get cracking on making sure your house is in order. Spring is traditionally considered a great time to sell a house, so if you’re thinking about making a move, take a look at our article that considers ways to get top dollar for your home. In this edition we take a look at the subject of superannuation and a situation so many Australian’s find themselves in, the need to consolidate multiple funds. If you’ve had more than one job you may fall into this category. So be sure to have a read to figure out how best to handle the consolidation process. Don’t forget to enter our competition to be in the running to win $1,000. We’re looking for Australia’s best DIY disaster story. With...
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