The Latest Rate Cut Could Save You Nearly $50,000
Here’s How… The Reserve Bank has just cut rates, and while that means a small drop in your minimum repayments, the real opportunity is much bigger. On a $1 million loan, the cut could save you $150 a month if your bank passes it on. But if you keep paying the old amount instead of the […]
Protect Your Super: Consult Your Adviser
How to Tell a Real Adviser from a Risky Caller: ASIC has sounded the alarm on a wave of superannuation scams and aggressive marketing calls. Some may look convincing – but the risks are real, and the consequences can be devastating. These scams evolve fast, and no one is immune. Even “Legit” Calls Can Hurt […]
SMSFs and Property: The Myths, the Risks, and the Red Flags
We’ve seen it far too often: Australians are approached with a “hot tip” – set up a Self-Managed Super Fund (SMSF) and buy property. On the surface, it sounds like a clever way to take control of your future. But look closer, and it’s often just a sales pitch dressed up as retirement planning, with […]
Family Guarantor Loans: Helping Loved Ones into the Market
For many young Australians, getting into the property market feels just out of reach. Not because they can’t afford repayments, but because saving the deposit (plus stamp duty and other upfront costs) is a steep climb. One option available is a Family Security Guarantee (also called a Family Pledge). Used carefully, this can help first […]
How to Turn ‘One Day’ into Reality
Clarity beats guesswork, and setting the right financial goals – matters more than you think. A lot of people say they want to “retire comfortably” or “make the most of their super.” But when we sit down and unpack it, those big-picture ideas don’t always turn into clear, meaningful goals – and that’s where the […]
Smart Moves before the Financial Year Ends
The end of the financial year is an opportunity to optimise your financial strategy, take advantage of tax deductions, and set yourself up for the new financial year. Whether you’re looking to maximise tax benefits, rebalance your investment portfolio, or to simply ensure you’re ticking all the right boxes, smart end of financial year (EOFY) […]
Lock In Your Repayments, Unlock Financial Freedom
By Sanna Tammila, Director & Principal Finance Broker – Clear Sky Finance Today, the Reserve Bank of Australia announced a 25-basis point cut to the official cash rate, giving homeowners across the country some much-needed breathing room. For many, it means lower monthly mortgage repayments. But what if you could do more than just pocket […]
Turbocharge Your Super before 30 June
More than half of us set a new financial goal at the beginning of 2025, according to ASIC’s Moneysmart website. While most financial goals include saving money and paying down debts, the months leading up to 30 June provide an opportunity to review your super balance to look at ways to boost your retirement savings. […]
How Political Events Affect the Markets
From the economy-bending policies of Trump 2.0 to the strengthening far-right in Europe, the new alliance between Russia and the United States, ongoing wars in Ukraine and the Middle East, and the US President’s vow to rewrite global trade rules, the markets are navigating an extraordinarily volatile period. In recent months, we’ve seen a mix […]
Market Drops Happen. So Does Recovery.
What’s happening in global markets, and why it’s not as unusual as it feels. What Just Happened? Global markets have reacted sharply this week to a major shift in U.S. trade policy. Under the new ‘Liberation Day’ tariff regime, sweeping import taxes were imposed in an effort to rebalance the U.S. trade deficit and bring […]
