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PPF introduces Financial Planning

We are excited to announce that we now offer additional services to meet our clients needs.

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Understanding the home loan process

We’ve made it nice and simple for you

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PPF features in MPA Magazine

Hayden Dempsey selected as one of the Young Guns in Australia

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How to add value to your home by renovating

You spent a lot of time saving to buy a home, and once you finally manage to swing that huge expense, the last thing you want to do is dip into the savings and spend even more. But have you considered the possibility of adding more value to your home through renovation?

What if you could make your house $20,000 more valuable, but you only had to spend $10,000 to do it? This is a great way to invest in your future, and it’s a very real possibility. If your home has the potential for major value-adding renovations, why not go for it?

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Can you afford to begin investing in Australian property?

For many Australians who have the means, investing in property is a great move for one’s financial future. Buying real estate represents a way to add to your portfolio with something that’s a stable source of value. Because the population is increasing, demand for housing is sure to stay strong nationwide, and whatever property you own is likely to keep getting more valuable over time.

That doesn’t mean buying real estate is a good idea for everyone, necessarily. If you start buying properties before you can afford them, you may get yourself into serious financial trouble. Take a close look at where you stand before jumping on an opportunity that might be ill-timed.

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LMI – Explaining the three magic letters

What is LMI?

LMI stands for lenders mortgage insurance. That’s right – it’s not just home buyers who have be insured. LMI protects a mortgage lender in the unfortunate, but feasible, case where a borrower can’t meet their repayments and defaults on their home loan.

While it’s true a lender will hold the purchased property¬†as security in case this should ever happen, it may not always be enough to cover the loss – if the value declines, for instance.

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Finding the right time to refinance your home loan

If you’ve got a long-term schedule for loan repayments to buy your home, refinancing that loan can be a great way to save a lot of money for yourself and your family over the long haul. Fed up with the interest rates you’re paying and eager to find lower ones? The solution is easy – refinance and get them.

The tricky part, though, is figuring out the timing. If you’ve got a 30-year mortgage, you’ll be presented with the possibility of refinancing dozens of times. When will you choose exactly the right moment to make your refinance choice official? We can help you figure that out.

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