- What is SMSF?
A Self-Managed Superannuation Fund (SMSF) is a fund that allows individuals to manage their own retirement savings. Essentially, you become the trustee of your own superannuation fund, giving you greater control over investments and management, but also increasing your responsibility.
- First HomeOwner Grant (FHOG)?
The First HomeOwner Grant (FHOG) is a cash grant designed to help people who have never owned property buy their first home. Every state offers their own buying assistance of the FHOG.
In NSW, $10,000 FHOG is available if you purchase a newly built house, townhouse, apartment, unit not exceeding $600,000 in purchase price OR If you purchase vacant land and sign a building contract not exceeding $750,000 in combined cost. Please visit First Home Owner (New Homes) Grant | Revenue NSW to check the criteria for FHOG.
- What is Negative Gearing?
Negative gearing is a property investment strategy used in Australia where the costs of owning an investment (like mortgage interest, maintenance, and other expenses) exceed the income it generates — typically rent. This results in a net loss, which can then be deducted from your taxable income, reducing your overall tax bill.
- Why Use Negative Gearing?
Tax benefits: Reduces your taxable income
Capital growth: Investors hope the property’s value increases over time, offsetting the short-term losses
Rental supply: Encourages investment in housing, which can help keep rents competitive
- What is the average return on Property in Australia?
The average return on property in Australia typically combines rental yield and capital growth, and varies by location, property type, and market conditions. Here’s a snapshot of what investors generally see:
Home Loans for NSW Government Employees
Home Loans for NSW Government Employees
Public sector workers have one major advantage when it comes to home loans—job stability. Whether you’re a teacher, police officer, nurse, or public servant, your secure employment status makes you a lower-risk borrower.
This allows us to access special interest rates, flexible credit policies, and low-deposit options from lenders who work closely with government employees. Some products even allow you to borrow with a 5 per cent deposit without needing to pay LMI, depending on your circumstances.
We also understand salary packaging and allowances unique to public sector roles, and we’ll factor those into your borrowing power calculation.
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Strategy Meeting
A meeting dedicated to building a strategy & financial model aligned to your goals.
Discovery call
Book a FREE call and let us understand your current position and goals.
Client Onboarding
Access our secure client portal and fill out necessary information.