Loans.

Helping kids get into a property is a common question. It is one that requires good planning. Some ways to help are:

1. Family Gifts 
2. Co-ownership 
3. Family Loans (sometimes)
4. Loan products, like family pledges.

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Investing is one pathway to financial freedom. If you have the capacity to invest, you should probably do so. Our accounting and loans teams can assist you in understanding your capacity to acquire an investment property and the tax benefits available.

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If you are about to start a business, the right time is likely before you do that. If you are in business, it is a good idea to look at your options on at least an annual basis. If you have had a good year, that is a good time. We review this for Equals Three clients on an ongoing basis.

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It’s our specialty. We were originally an accounting business for family businesses. In that business, we found a need to support our clients with their loans. The great majority of our mortgage broking clients are involved in family businesses.

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We think offsets are great. The accounting team love them because they are often very tax effective. An offset is usually a very low cost or sometimes free, solution offered by many lenders. We will usually recommend an offset.

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There are a few simple strategies for reducing your interest. Some good ideas:

• Holding funds in an offset account. 
• Making your loan repayments more regularly. Paying weekly or fortnightly rather than monthly can take years off a loan. 
• Making additional repayments. Even if very small. 
• Ensuring you have the best rate and features available to you. We can help with this.

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There are always competitive lenders offering benefits to new customers, often one of those benefits is a better rate. We recommend reviewing your current loans at least every two years.

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