You know how the saying goes; the earlier you start the better off you’ll be. Even if you’re only just starting to think about or just have aspirations to one day own your own home, there are things you can do now to improve your financial behaviour and get smarter with your money. Then, when the time comes and you’re ready to invest in some real estate, you will be better prepared and in a more financially comfortable position.

If you’re not someone who likes to spend their weekends pouring over interest rates and comparing bank products, having a mortgage broker who will do the leg work for you is essential.  It is also important to find a mortgage broker who understands your unique financial profile.

If you entered the world between 1980 and 1996, you’re part of the “millennial generation”. You’ve grown up in an age of unprecedented abundance and incredible technical innovation, and as a group, enjoy a greater wealth of opportunity – professionally, socially and recreationally – than any previous generation.

Talk about hammering the plastic. In November 2016 Australia’s 16.7 million credit card accounts were used to make 226 million transactions with a total value of $27.8 billion. We are currently paying interest on $32.2 billion worth of credit card debt, running up an annual interest bill of over $5.6 billion (that’s $5,600,000,000!)