Savvy Finance + Insurance
Savvy Finance + Insurance
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  • Your big rig is the heart of your business. Like any business, you need to make as much profit as possible. How can you get cash flowing and keeping it that way when you need a new - or several new – trucks? Of course, the toss-up is between buying a truck and leasing one. In 2015, via the Truck Industry Council Report, the Australian Equipment Lessors Association reported the Truck and Trailer...

Savvy Finance + Insurance
Savvy Finance + Insurance
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  • Your home will be one of the biggest investments you will be making during your lifetime. Most of us do not have the funds to buy a house outright, and therefore need to make a home loan. As part of the home loan, there will be interest charged above the amount that your will be borrowing. However, according to the Australian Bureau of Statistics debt is on the increase, mostly due to inflation...

Savvy Finance + Insurance
Savvy Finance + Insurance
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  • The great Aussie dream used to be a house on a quarter acre yard filled with trees, but this is changing. New buyers and even the baby boomers are choosing apartment living. According to a study commissioned by the Reserve Bank of Australia, which indicated that, there was a bigger demand for apartments in major cities as compared to houses in suburb locations. In fact, apartments that were const...

Savvy Finance + Insurance
Savvy Finance + Insurance
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  • Buying your first home can be exciting and scary, if not a bit overwhelming. But there are a few rules that you should keep in mind when you are planning to buy your home. Besides helping to reduce your nerves, these rules will help you to reduce your risk when the market turns negative and in good times you could gain the maximum value from your property. Also, with the average home costing $6...

Savvy Finance + Insurance
Savvy Finance + Insurance
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  • The Australian rental market is finding itself in a bit of a puzzle. On the one hand, landlords are seeking good tenants willing to pay the rental fee, and on the other hand, many potential tenants have been turned down since they own pets. With around 63% of Australian households owning pets, if you follow the stats from Animal Medicines Australia, then you will grasp that that is a large sect...

Savvy Finance + Insurance
Savvy Finance + Insurance
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  • The Australian dream of owning your own home outright might be dimming a bit, but it is still possible to pay off your home loan sooner than the normal period of 20 or 30 years. It might seem a bit daunting, but by making some small, still strategic, changes you could not only pay the loan off faster, but also save thousands of dollars in the process. The 2016 Consensus reported that 31% of Aus...

Savvy Finance + Insurance
Savvy Finance + Insurance
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  • Granny flats have become more than just the retired home of granny in the backyard. These outbuildings have become potential money spillers for passive income when rented out or as a space to have a home office. According to the research, the popularity of granny flats as measured by listings on their site increased by 16% in 2016 alone. In addition, they reported an increase of 84% for granny ...

Savvy Finance + Insurance
Savvy Finance + Insurance
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  • Young would-be property investors are struggling to compete against established property investors, never mind being able to enter the market. According to the research from the Australian Bureau of Statistics (ABS) home loans for first-time buyers have dropped to its lowest level since May 2004. Besides, it should be stated that first-time buyers as of March, only made out 14.2% of the housing...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • This month, the Reserve Bank of Australia met to leave the official cash rate at the same level. This is the 11th consecutive time the RBA hasn’t moved the interest rate, still at a record low. Even so, average home loan interest rates have been creeping up. The Standard Variable Rate hit an 18-month low of 4.78% - it now stands at 4.92% (all following figures are averages.) The “cheapest” of a...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • Life insurance, as most people understand it, is insurance that your family claims when you die prematurely, due to an accident or unforeseen circumstances. This type of insurance covers the loss of your future earnings. These earnings could have paid a mortgage off, or catered to the wellbeing of dependents. However, life insurance isn’t just “death cover.” Life insurance has more than one narro...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • This is something we will all probably ask ourselves at some point. The thing is, nobody wants to fork out money unnecessarily, especially when budgets are tight and we have to watch our spending. You are already paying for a new car and its insurance, is it really worth adding another expense to your budget? Depreciation on your vehicle The unfortunate truth is that your cars value depreciates...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • It seems the jury may finally be out on this age old debate, if findings of various studies is to be believed. The results is what many have been proclaiming for years- that women are the safest behind the steering. The numbers don’t lie Recently, the Insurance Institute for Highway Safety (IIHS) released a report based on gender specific traffic deaths and they found that “many more men than w...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • Most teens cannot wait to get behind the steering wheel and out onto the road. Gone are the days of asking parents for lifts, or relying on friends who can drive. The freedom that comes with driving is insatiable and it is such a dampener to know that younger people often pay more on insurance, especially considering that you are just starting your life and probably not earning millions. Insura...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • Car insurance is definitely not something you want to skimp on. Yet, those monthly instalments could mean very little if you are doing something that could void your insurance claim. It is important to be aware of the various factors that could lead to a claim being rejected. Un-roadworthy vehicle A number of issues could lead to your vehicle being deemed un-roadworthy. This could range from yo...

Savvy Finance + Insurance
Savvy Finance + Insurance
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  • Savvy is a leading online financial services business provider in Australia, Savvy is accredited by over 10 lenders and insures and focuses on a range of personal and business financial products and services including finance for cars, equipment, truck, leisure, car insurance, car buying and home loans. Visit us at http://savvy.com.au to get approved today!

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • Paying off credit card debt with another credit card may seem rather counterproductive. However, switching to a balance transfer credit card could be a good way of taking stock of finances, especially for small to medium business owners who may have already accumulated debt on high-interest credit cards. In the long run you could end up saving on interest rates while also simplifying the manage...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • Managing your personal loan correctly could go a long way in easing financial strains and freeing up cash flow during dry spells. It is no secret that many cash strapped Australians are turning to personal loans as a means of alleviating some of their monetary pressures. According to the Australian Bureau of Statistics, approximately six million dollars has been allocated over recent months for...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • Property crowdfunding is becoming an increasingly viable option for Australians wanting to break into the market. This is according to a new study conducted by the University of South Australia in conjunction with Domacom, one of the largest property crowdfunding platforms in Australia. The aim of this project was to analyse crowdfunding trends in the real estate market and their findings were ...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • Online credit card fraud is on the rise and Australians are warned to be vigilant when making transactions. In the past year Australians have embraced the convenience of card payments, reportedly making over 8.1 billion transactions in a year. However, along with this comes an increase in card-related fraud. Cold, hard facts A recent study conducted by the Australian Payments Network (APN) show...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • If you have a credit card balance that’s out of control and only getting worse as time passes, a balance transfer to a different credit provider is a leg up – not a cure-all – for wiping the debt out. Many people believe transferring the balance to another card will fix the problem. It doesn’t happen in isolation, but you can make the most of your credit card balance transfer by following a few s...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • When you need to purchase something but can’t pony up the money for it, what is better? Taking out a personal loan or putting it on your credit card? Looking at the numbers, a personal loan looks more appealing than a credit card. But there’s more to it than the numbers. What other factors are in play when it comes to choosing a personal credit product? Loans win on rates, but lose in convenien...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • If you were one of thousands of Australians tempted by End of Financial Year sales last month, you are definitely not alone. Australians bought the largest number of new vehicles in June 2017 than any comparable time in our history, according to the Federal Chamber of Automotive Industries. Official figures, collated by the Australian Bureau of Statistics, show a whopping sale of 134,171 vehicl...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • Did you know 82% of Australian consumers belong to a customer loyalty or rewards card scheme? How can you make the most of it? With a bit of planning and foresight, you can make the most of your rewards cards to justify the extra you’ll be spending on fees and interest rates compared to standard or “classic” credit cards. Use your credit card as a charge card It’s easy to rack up lots of transa...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • No one likes surprises. As would-be home owners, we definitely don’t want any surprises. But how can you avoid unpleasant surprises such as a mortgage application rejection? The surefire way to ensure your best possible chance of getting approved for a home loan? It’s not as complicated as it seems. Here’s your guide to a “bulletproof” first home loan so you can maximise your chance of approval...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • Generation Y (born between about 1985-2000) have been called lazy and entitled by the old media and older commentators; but are we also “addicted to debt?” Australians seem addicted all round; according to ASIC, Australians owe a collective $32 billion on their credit cards. That’s $4,300 per cardholder. The Experian credit-reporting agency looked into Generation Y and debt, and found startling...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • If you’ve been in a petrolhead’s car (or perhaps your own!) you might have spied an “S” button, or “sports” mode button (also called Dynamic mode) on the console or dash. Sports mode isn’t for a trip to the local oval; many believe it’s for enhanced performance, much like a “turbo boost” on a computer increases the MHz of the CPU. There is some overlap between the two “boosts,” but it’s a lot mor...

Savvy Finance + Insurance
Savvy Finance + Insurance
Blog Post
  • Do you often ask yourself, “where does all my money go?” If you’re on a good salary and consider yourself “well off,” your personal finances can still be out of whack. You could be spending too much on goods and services you don’t need; or make savings in critical areas. If the job seems too big, don’t fear: we have a step-by-step guide to show you how to do an audit of your finances. Get your ...

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