Mann Financial

19/12/2023

Merry Christmas! 🎅🎄

Thank you for allowing me to be part of your 2023 financial journey.

My aim is to support you throughout your entire financial path. No matter what lies ahead, I’m here to assist you in seizing any new opportunities that come your way.

But that’s for later. For now, here’s to a wonderful and relaxing summer break for you, your family, and your loved ones.

Happy Holidays and all the best for 2024. 😍

Kind Regards,
Matthew Mann

21/11/2023

Good news for QLD First Home Buyers. 😁🏡

An increase to the QLD First Home Owner Grant to $30,000 is an effort to alleviate cost-of-living challenges. Starting from November 20, 2023, eligible first home buyers will now have access to an increased amount of $30,000 in government funds.

16/11/2023

Have you been thinking about a move into politics? 🤣

By the conclusion of this month, ACT home buyers purchasing an off-the-plan apartment or townhouse will no longer have to pay stamp duty if the property's value is $800,000 or less.

06/11/2023

Let’s get Christmas ready! 🎅🎄

With only seven weeks to go before Christmas (yes, I've counted), it’s time to finalise your festive budget, plan for pressies, and organise your social calendar to ensure you’re not overdoing it and most importantly not overspending!

As always, I'm here to help. I have put together six savvy pre-Christmas budgeting tips and preparation tricks to keep your bank balance in check.

1. Christmas budget 🧑‍🎄

If you haven’t saved throughout the year and Christmas is looming, now is the time to do some quick calculations. Take the total amount you earn each week and minus your outgoings. With that total, multiply it by the remaining number of weeks until Christmas – this is your Christmas budget. Divide your budget into three categories; events, gifts, and travel, and allocate an amount for each category. Now stick to it!

2. Don’t panic buy! 😱

Don’t do your Christmas shopping in December. Spread the cost and start buying and stashing away presents early. Look out for sales and good lay-by offers. Research presents online to find the best deal. Get the kids to write their Christmas lists early and grab the gifts when they’re on sale.

3. Be a smart host 👩‍🍳

Family get-togethers around Christmas are very special, but if you’re the one hosting, it can be super expensive. Make sure no one arrives empty-handed by giving everyone a specific dish to bring.

4. Clever gift giving 🎁

Everyone loves homemade baked goods. These always get a smile and cost very little to make. Other homemade ideas include propagating plants, artwork, framed photos, or wooden creations. Or consider a gift of time i.e., a voucher for an hour gardening, cleaning, or a day at the beach. Another fabulous idea is to make a family donation to an agreed charity, rather than traditional gift giving.

5. Use your reward points! 🤩

You’ve been collecting them all year, but have you checked how many points you have? This is the perfect time to cash them in for gifts or vouchers and do it early to be sure they arrive on time.

6. Plan and save early 👩‍🏫

Now when I say early, I'm talking January! You’ll probably still be recovering from last Christmas, but by putting a small amount into a savings account every week, you will reap the rewards at the end of next year!

Looking for a loan pre-Christmas? Let’s get you prepared!

If you’re on the hunt for a property and anticipate needing a home loan before Christmas, it’s wise to start the process now. Remember many businesses involved in the buying process tend to close in December and January. These include banks, solicitors, accountants, builders, movers and more. To prevent any last-minute hassles, reach out and I'll help get things underway.

We hope you’ve found my tips for the holiday season useful. Once the groundwork is behind you, you’ll be relaxing in no time.

May your holiday preparations be both productive and enjoyable!

31/10/2023

It was great to catch up yesterday morning with some of my fellow Central Coast Mortgage Brokers to learn more about the great products from Deposit Power, Ubank, and Oak Capital. Keeping updated with the latest product features and policies helps me offer my clients the best products.

26/10/2023

Will interest rates start to rise again next month?

What are your thoughts?

Recent inflation figures for the third quarter have set off warning bells among financial analysts, with the Reserve Bank of Australia (RBA) adopting

04/10/2023

With fluctuating economic conditions and rising interest rates, not everyone is able to refinance with a new lender. However, this doesn't mean borrowers have to accept any terms their current lender offers them.

https://www.mannfinancial.com.au/articles/post/5-tactics-to-help-home-loan-borrowers-negotiate-better-deals

With fluctuating economic conditions and rising interest rates, not everyone is able to refinance with a new lender. However, this doesn't mean borrowers have to accept any terms their current lender offers them.

03/10/2023

25/09/2023

Are you struggling with cost of living pressures due to rent or mortgage repayments? Have you thought about moving West?

Western Australia has outpaced NT and the ACT in terms of housing affordability, despite a slight increase in the percentage of income required for loan repayments in the June quarter, according to the Real Estate Institute of Australia (REIA).

25/09/2023

If you’re stuck in a “mortgage prison” and can’t refinance to a lower interest rate or if you’ve had to give up your home ownership dreams because of tough “serviceability” requirements, there’s hope on the horizon.

If you’re stuck in a “mortgage prison” and can’t refinance to a lower interest rate or if you’ve had to give up your home ownership dreams because of tough “serviceability” requirements, there’s hope on the horizon.

28/07/2023

Sydney has 3 of the top 5 rental suburbs in the country.

Rents across the country shot up by record amounts in 2022 and it was no different in these five Smart Property Investment Fast 50 suburbs.