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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 millennials are affording to buy their first homes

Australians are buying homes less and less, as research from the Australian Institute of Health and Welfare (AIHW) recently indicated. This could be caused by factors that millennials are dealing with more and more, such as economic constraints like student debt or a market downturn, lifestyle choices and working from home, all of which may restrict their home savings.

However, while home ownership among those in their late twenties and thirties may be dropping, an ING survey showed that a third of this generation are saving to buy a home in the next three years.

So, with the restraints millennials are facing, how can they still afford to buy their first homes in the near future?

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Reasons why you should refinance your home loan

Saving money and unlocking equity – those are two good reasons why you should consider refinancing your home loan. Before we start talking interest rates, it’s important to know if you can achieve one of those two things.

Unlocking equity

There are countless reasons why you might want to unlock equity in your home. These could include:

  • Renovating or adding to your property
  • Buying an investment property
  • Paying off other debts or bills
  • Financing your education or your child’s
  • Paying for medical treatment

The first thing you need to consider is whether unlocking equity is the best way to fund your venture. While it’s a great way to access cash when you really need it, using home equity does mean you could pay more interest on your home loan over its life as well as increasing its length.

A personal loan is a more suitable option for smaller purchases and renovations.

Saving money

Refinancing could save you money in a variety of ways by:

  • Securing a lower rate and paying less interest
  • Switching from a fixed to a variable interest rate so that you can make extra repayments without incurring fees and pay your loan off earlier
  • Consolidating high interest debt such as credit cards or personal loans
  • Locking in a fixed rate at an opportune time

If you would like to find out whether refinancing is suitable for you, our professional mortgage brokers are here to help you work out the details. contact the team at Premium Portfolio Finance to learn more about your loan options.

What is negative gearing for property investment

Negative gearing – it may seem like investor mumbo jumbo, but it’s really quiet a simple concept to get your head around. More than that, it’s an important option in an investor’s toolkit when looking for a property to invest in. Gear yourself up for a lesson in the basics of this investment system!

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How to purchase your next car with a car loan

Australians have a few options when it comes to financing a car, and you should make sure you know what each finance option entails before committing to one or the other. Different types of financing can cost more or less depending on the details.

We have put together some pros and cons of the two most prevalent options – car loans and dealership finance.

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