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Securing a loan as a self-employed business owner can feel like an uphill battle. Unlike salaried employees with predictable income and PAYG payslips, self-employed individuals often have fluctuating earnings, making it more challenging to meet traditional lending criteria. However, with the right approach and guidance, obtaining finance is not only possible but can be a smooth and stress-free process.

As we step into 2025, we’re excited to help you achieve your financial goals and unlock new opportunities for your future. Whether you're looking to refinance, restructure your loans, or explore new mortgage options, now is the perfect time to review your current situation and consider how to make the most of your finances.

As we step into 2025, many of us are setting ambitious goals for the year ahead. Whether you want to build wealth, plan for a major life event, or simply achieve greater financial security, engaging a financial planner can be a game-changer. Here are a few key ways a financial planner can help you stay on track and make the most of your finances:

As you near retirement, a Transition to Retirement (TTR) strategy offers flexibility by allowing you to access a portion of your superannuation while still working. This can help supplement your income or boost your retirement savings, depending on your financial goals.

For many Australians, home ownership can seem like a distant dream, especially in today’s economic climate where saving for a deposit can take years. However, for some first-time home buyers, a Family Guarantee could help bridge that gap and get them into the property market sooner. This increasingly popular arrangement allows family members to assist home buyers without having to gift cash or take on a loan themselves.

Spouse contribution splitting is a valuable superannuation strategy in Australia that allows one partner to transfer part of their concessional contributions to the other’s super account. This approach can equalize super balances, maximize Age Pension eligibility, and optimize tax benefits, especially when there is a significant age or income gap between spouses. While beneficial, it's important to understand the eligibility criteria and consult with your super fund and financial adviser to ensure this strategy aligns with your retirement goals.