Contact Us Today
The Lending Team
| Phone: |
07 4041 3100 |
| Fax: |
07 4041 6355 |
| Mobile: |
0418 716 033 |
Opposite Show Grounds
140 Mulgrave Road
Cairns QLD 4870
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Choose an MFAA Member
We're a member of the Mortgage & Finance Association of Australia (MFAA), the peak professional body representing over 12,000 mortgage and finance professionals and organisations around Australia. To join this body we had to meet a strict set of criteria and to maintain our accreditation annually we are required to keep abreast of industry changes and trends and keep our skills and knowledge up-to-date.
As a member, we adhere to the industry Code of Practice which requires high standards, fair business practices, ethical behaviour and compliance with the letter and the spirit of relevant laws and regulations - all in the interest of you, the borrower.
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As I mentioned in our last newsletter, we have moved to 140 Mulgrave Road. Moving from a 70 square metre office to a 260 square metre premises has meant that we can now offer you more services. The only drawback has been that we have not seen Gus or Lizzie since we moved, I am sure they are here somewhere.
Our new offices accommodate, Cairns Wealth and Insurance with financial planner Rob Gaul. Cairns Wealth and Insurance can assist you with income protection, life insurance, and financial planning, so please call Rob Gaul on (07) 42 255 222 to make an obligation free appointment. Rob can help you to learn more about growing and protecting your wealth with us.
Donnie Martin, manager of Cairns Car Loans, now has his own office on premises also, and has been busy keeping the car yards honest with their quotes. If you have a quote from a yard for car finance it is worth giving Donnie a call on(07) 40 411 997 to see if we can get you cheaper rate
Lizzie Thompson will leave us for 3 weeks September/ October to go and get married we wish her all the best.
Our Branch offices, Jacqui in Atherton, Simon in Port Douglas and Lee at Smithfield all have their heads down at the moment keeping it real, in a market that can be best described as trying. Feel free to contact them at any time.
Regards,
John Watts
In this issue we cover:
- Next-time buyers - Thinking about upgrading or buying your second home? If so, you're not alone. Read below to find out more.
- Buying an Investment Property - Let your head not your heart have the deciding say when buying an investment property. We provide you with some useful hints.
- Retirement Nest Egg - Working out the best way to build your nest egg for retirement is never easy, but many agree that relying on superannuation alone is not enough. Have you planned for retirement?
Please be in contact if you wish to discuss these or other mortgage matters in more detail. Whether you are investing, refinancing or borrowing, I can provide advice and expertise to help you secure a suitable funding arrangement.
Feel free to pass this e-newsletter on to family and friends, and let me know if there are any other topics you wish to see covered in future editions.
Next-time buyers
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Thinking about upgrading or buying your second home? If so, you're not alone, with recent data showing it's the established - or next time - buyers who are currently fuelling interest in the property market. |
The latest BankWest/Mortgage and Finance Association Home Finance Index shows that three quarters of next-time buyers believe it is a good time to buy an investment property, a dramatic increase from the 14.5 per cent recorded during the midst of the credit crisis.
Buying an Investment Property
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Let your head not your heart have the deciding say when buying an investment property. It's tempting to allow your emotions to get the upper hand if you are purchasing your own home, but if you don't intend to live in the property, look at it with 'investment eyes' only. |
Take a long term view - Take advantage of the cyclical booms that occur in property by planning to keep your investment for the long term. Be prepared for the highs and lows by making sure you have realistic financial goals and are comfortable with how much you are borrowing.
Retirement Nest Egg
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Working out the best way to build your nest egg for retirement is never easy, but many agree that relying on superannuation alone is not enough. |
According to the Westpac ASFA Retirement Standard, a retired couple needs to earn more than $51,727 per year to live 'comfortably' or more than $28,080 per year to live 'modestly'.
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