Please read through these points. Any further questions, Contact Us

Plan to not fail, by not failing to plan. The best of intentions don't constitute a plan.

To allow you to plan, you must have goals, which are definable, reachable, and concrete. Goals should be set for the short term (3-6 months), and the medium term (1-3 years), and the long term (5-10 years).

Goals are a road map to help you get to where you want to go. Sometimes this can change, therefore so can your goals.

The difference between a millionaire, and a billionaire, is that the millionaire reads and follows through on his goals once a day, whereas the billionaire reads and follows through twice a day.

Having goals, and following them, will help demonstrate a sound ethic when seeking finance

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Your credit rating is important for your entire future financial plan. Do whatever it takes to preserve your good record.

If you are requiring low document or no document loans, you should have an ABN number, preferably current for two years, or at least be on good terms with your accountant.

Your life is a business. Perhaps you should consider running the administration side of your life as such. A short course in basic record keeping will open your mind, make your paperwork jungle tame, and save you money and headaches with your accountant or financier.

Try to create a 12 month rolling monthly budget so that you know where you are financially at any time.

Use credit card interest free periods to your advantage. Quick quiz... Do you know, off the top of your head, when your interest billing period starts and finishes for each of your cards???

Always keep your last 2 years tax returns and notice of assessments.

Don't change jobs just before you apply for a loan, even if it is at a better rate of pay. Apparent security in your job is highly regarded.

If you have the chance of getting permanent work over full time casual, it would usually be better to accept permanency to obtain finance more easily.

When applying for a loan, reduce the maximum available limit on your credit cards to as little as possible. They affect your serviceability calculations terribly.

To shorten the term of your loan, and the total interest you pay,

or calculate payments monthly and pay weekly or fortnightly;

or use a line of credit or redraw facility, and have your incomes going directly into the loan account, while living from a credit card account, paying the total off every month via redraw facility, (can be an automatic sweep facility)'

or make your first payment as soon as you get the loan approved (thereby being 1 month or more ahead),