Many home owners will have enjoyed the historic low interest rates over 2021 and into 2022 where they got as low as 2.19% for a while there.   Well that probably seems a distant memory now, as you face the prospect of rolling off those wonderful rates onto something more despairing in the 6%+ space....Read More

Buying a home is a significant life event that for most comes with the largest financial commitment you will face in your lifetime: A Mortgage. Over the 30 year life of a mortgage borrowers face significant changes to market conditions and movement through the peaks and troughs of the interest rate cycle. With interest compounding...Read More

The new Credit Contracts and Consumer Finance Act (CCCFA) came into effect on Dec 1 2021 with a vision to protect vulnerable borrowers. This has shaken up the housing market, spooking borrowers and making banks more tentative in their lending. The act has increased analysis on customer expenses, causing numerous sensationalized headlines about that extra...Read More

Physical health has always played a huge part in my life. Playing football has shown me persistence, commitment, teamwork, accountability, patience, and tactic. Owning an F45 gym enables me to combine my passion for fitness, with investment. I admire how someone’s fitness journey can empower them to learn new things about themselves and essentially look...Read More

You may have heard the quote by Francis Bacon “Knowledge is Power”, but since then, there have been a few derivatives: “Knowledge is power. Knowledge shared is power multiplied.” Robert Boyce “Knowledge is not power. Knowledge is only potential power. Action is power.” Tony Robbins “Knowledge is power. Information is liberating. Education is the premise...Read More

When you are self-employed, buying a house can be more challenging than it is for someone who has a steady income as an employee. The applications are scrutinised so much more closely because the profitability is usually more variable. Often being self-employed means your income varies from year-to-year. This makes you a risk. The banks...Read More

Your credit score is a number between 1 and 1,000 that indicates how likely you are to pay your bills on time. The higher the score, the better your credit rating is. If your score is low, mainstream banks can be reluctant to lend – to both individuals and businesses. Companies may be reluctant to...Read More

Okay, you’ve tracked your spending, made savings, and cut corners where you can – even gone without coffee! In the end you’ve compiled quite a nice deposit. It’s a long shot, but you think you’re getting close enough that maybe, just maybe you have enough to become a first-time property owner. You fill in all...Read More