Financial guides and resources for Australians.
Plain-English guides for Australians, on the things people ask us about most. Property inside super, buying a first home, retiring, insurance, refinancing, and what a buyer's agent really costs. Written to be read, not to sell you something.
Six guides, written to be read.
One page each, covering one thing properly. Eight to twelve minutes to read. Where the rules change from state to state, we say so. Where there is no clean answer, we say that too. The point is that your first conversation with us beats an evening of googling.
All of this is general information. It doesn't take your own situation into account. Read the relevant Product Disclosure Statement, and think about whether you need advice that applies to you, before acting on anything here.
Pick the one that matches your decision.
SMSF property investment guide
The rules on buying property in your own super fund, how the borrowing works, who lends for it, what it costs, and where people come unstuck.
First home buyer guide
The deposit, the grants in each state, the government schemes, getting pre-approved, inspections, and what to do once you have the keys.
Retirement planning guide
How much super is actually enough, how it turns into an income, easing out of work, downsizing, the Age Pension, and a bad first few years.
Income protection guide
What income protection does, whether the amount is locked in, which job it measures you against, the tax, and what claiming is like.
Refinancing guide
When switching is worth it, when it isn't, what it costs to break a fixed loan, the truth about cashback offers, and how the process runs.
Buyer's agent cost guide
How they charge, fixed fee against a percentage, what you get and what you don't, with real numbers at four different price points.
Read enough? Let's talk.
The guides cover the general ground. A conversation covers your numbers. The first one is free.