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How to “bulletproof” your first home loan approval
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...

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Have we become “Gen Y Are We In Debt?”
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...

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That “S” button – sports mode explained
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...

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How to audit all your personal finances
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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The five crucial ways you can keep your family safe
Some argue today’s world is less safe than 20 – even 10 – years ago. This may or may not be true, but we do have to keep more things in mind. Cyberattacks were not unheard of 20 years ago, but right now they are far more widespread than ever before. In fact, 24,925 Australians reported phishing attacks, losing a combined $373,860, according to ScamWatch. This isn’t limited to just computers, thou...

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What age is the right age to invest in real estate?
There are over 1.7 million landlords in Australia – that means 1 in 7 of us is some kind of property investor. The common perception is that property investors are young urban professionals. That couldn’t be further from the truth. According to the Australian Taxation Office, upwards of three-quarters of over 45s hold investment properties in Australia. The “Baby Boomer” segment of the population...

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Should you apply for a credit card?
Credit cards are everywhere. As of January 2017, there are 16,699,272 credit cards circulating in Australia. The combined total of credit card lending is north of $42 billion! (APRA statistics.) With credit cards being so convenient and useful – especially for online transactions – is it worth applying for one if you’re on the fence? Credit cards are convenient Credit cards have one over-archin...

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Budget 2017 and the new changes coming to credit cards
The Federal Budget for 2017-18 was unveiled in Canberra on May 9. Though nothing seismic will shift the industry, the Federal Government has hinted that it will get tough on improper practices in the credit card market with new, tougher regulations. According to reports in the media, Australians have been “ripped off” to the tune of $3.49 billion since 2011. This is largely due to credit card c...

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The newbie’s caravan checklist
A lot of us are here because we know and love caravanning – but those venturing into the sometimes pleasure, other times “sport” of caravanning got there the hard way through trial and error. If you’re a bit stuck on what kind of caravan is right for you, or just need a bit of a helping hand, this post is for you. What can your car tow? Before looking around Caravan World or on classifieds site...

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What to look for in a family car?
In many ways, the family car is just as much as part of the family as the kids, the dog or the pet fish. Many of us can’t imagine life without it. Since it’s so vital to a modern family, it’s important we pick the right kind of features. Safety, comfort, storage – we have to get it right the first time. So what are the most important features in a family car that you should look out for? Safety...

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How long should you wait before refinancing your existing home loan?
If the prospect of lower monthly repayments, an offset account to reduce home loan interest and other features that reduces the lifespan of your mortgage appeals to you, then refinancing your home loan is definitely something you should look into. Though the question is, just how regularly should you look for new and better deals? The answer depends on a few factors, including your current circum...

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Do you get motion sick? Can you stop it before it starts?
Are you one of the many Australians that experience motion sickness? Motion sickness can creep up on anyone and at any age. When there’s a long stretch of highway and the feelings of nausea hit, it can cause discomfort and anxiety in many. Here are some tips and tricks to help you prevent or lessen motion sickness. What is motion sickness? Motion sickness is the sensation of nausea or vomiting ...

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How to save better for your first home?
Saving while renting can feel like you’re walking on a hamster wheel. As soon as money comes in, it’s right out to bills, rent and necessities. But you can get into a first home faster with some smart strategies that won’t mean tightening your belts or giving up your Sunday eggs and avo. (Although making it at home might help!) Set a budget and spread out your accounts Budgets might be for poli...

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Ex-demo cars - can you save more?
If you’re in the market for a new car but love a good bargain too, looking at ex-demonstrator (ex-demo) cars is a tried and true option. Ex-demo cars differ from brand new cars in one critical way – dealers have let prospective buyers test-drive the car, used it as a loan car, or driven it themselves. Dealers sell cars as “ex-demo” when they’re over three months old and have fewer than 5,000km ...

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Savvy - Drive Your Wheels with a Better Deal
Drive your wheels with a better deal with Savvy. We are linked with over 25 reputable lenders in Australia and can get you approved faster with great interest rates. Think finance, think savvy! Visit http://www.savvy.com.au for a free quote today!

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Savvy Finance - think finance, think savvy.
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!

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How I found my perfect car and saved money - a mum story
Buying a new car as a mum is a bit of a juggling act. It must be a “troop” carrier for all the kids and hubby, spacious enough for a weekly shop, and fuel efficient so we’re not always stopping off for petrol. When it comes to finding a car that ticks all the boxes, being organised is your best bet. It also helps you save money, too! First things first – set a budget This is the BIG downfall fo...