Belinda Gibson
What Value do Finance Brokers provide?

Don’t see the value in a Mortgage Broker?  

What Value do Finance Brokers provide?
Belinda Gibson
DECODING the ABCs (and Beyond!) of Mortgage ...

Navigating the world of mortgages can feel like learning a new language. There are so many terms and processes involved! To help simplify things, let's break down the ABCDs (and beyond!) of mortgage broking, giving you a clearer picture of what to expect.

DECODING the ABCs (and Beyond!) of Mortgage Broking....
Belinda Gibson
Google Reviews, the ultimate gift...

Recently, a client went out of their way in their own time and uploaded an exceptionally well thought out and complimentary review of her experience with TM Finance Group. It totally blew us away. …

Belinda Gibson
TMFG's Budget Tips for new homeowners...

Your budget should be based off your take home income, from your base pay–if you receive overtime or allowances try not to include this.

 

Being a homeowner, you'll now have new bills to pay that you’ve never had before. So, in your homeowner budget be sure to consider; internet, gas, electricity, council rates, body corporate fees, building insurance, transport costs (tolls, petrol, car service, rego) and the big one in these hard times…. FOOD!!

Belinda Gibson
Businesses have less than six months to claim ...

The clock is ticking for businesses that want to take advantage of the instant asset write‑off and Small Business Energy Incentive, which expire on 30 June.

EOFY Top 5 Tax Tips

EOFY Top 5 Tax Tips

It’s that time of year again! 


As the 2016/17 Financial year comes to a close, we spoke with Chartered Accountant Jon Madgwick, from J D Madgwick in South Melbourne for his EOFY top 5 tax tips and planning opportunities.

Here’s what he had to say:
 

1. Deferral of income

Subject to cash flow considerations and anti-avoidance rules, if your income is high this year consider deferral to the following year, you will eventually pay taxes on your earnings, but you may be able to defer or postpone income taxes by a few months for a much-needed tax break:
         • delay selling a capital asset
         • adjust deposited funds so that interest income is not paid, or
         • delay invoices to after year end.
If your business has high cash income, deferral could be risky by putting you outside the ATO small business benchmarks.
 

2. Instant Asset Write Off

Our TMFG Autumn Newsletter is Live!

What makes TMFG stand out from other brokers?

Our services and interests go far beyond your pure financial needs.  Beginning with personalised lending advice, TMFG see you right through to settlement.
We believe there is no end to your financial future and we make it our personal goal to support and drive your venture.


That is why in this month's newsletter, WE FOCUS ON YOU.

  • We spoke with Chartered Accountant, Jon Madgwick, to share his top five tax tips for this end of financial year. 
  • Property investors - Are your interest rates rising? Are you looking for ways to take advantage of tax savings this financial year? Do you want to secure a low rate?
  • First home buyers - We explore what it means to be a FHB coming into a period of regulatory changes.  TMFG have had much recent success helping FHB achieve their dreams.
  • Finally, we share five exclusive market specials to help you save by:
    • reviewing your existing lending,
    • saving on first home buying, or;
    • purchasing a new car before the EOFY.

See the full edition here

Property Investors – don’t get left behind with new interest rate rises!

Property Investors – don’t get left behind with new interest rate rises!

Interest only payments in advance could see you on the front foot, securing a low rate and tax savings.

No doubt if you are a property investor, you have noticed the recent interest rate increases on your lending – particularly if you have interest only repayment terms.

In March this year, The Australian Prudential Regulation Authority (APRA) clamped down on interest-only loans in an attempt to slow the property market.  APRA’s restrictions have limited new interest-only loan approvals to 30 per cent of overall residential mortgages.  These regulations have also stimulated a subsequent increase in investment interest rates.

What does this mean for my investment loans?

Our Summer Newsletter Edition 6 is now out!

TMFG have always placed a primary focus on community, and this year is no different.
Community to us starts with, but encompasses more than just our clients.
Community is clients, colleagues, connections, friends, family; any individual or company we touch is part of our community.


Our first quarterly newsletter of 2017 demonstrates just a few of the many ways TMFG is committed to its community:

  • Ladies who Lend – Empowering Women in Business
  • TMFG Annual Golf Day
  • Is Invoice Finance your key to growth?
  • Our Social Prosperity Drive
  • What’s your resolution this financial year?
  • $1,500 Cashback on your Refinance

For inquires or to discuss any content of our newsletter further, please do not hesitate to contact the team at TMFG.

Warm Wishes,
Belinda, Evelyn and Mandy

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