Guides

Binding financial agreements (BFAs) set out how assets are to be allocated in the event that a relationship breaks down. It can be made before (prenup), during or after a relationship. A Binding Financial Agreement sets out how all the assets, financial resources and liabilities,...

Changes were introduced by the Department of Immigration (DIBP) on 1 July 2015 for the Business & Investment Migration Program for Australia. Please find below a short summary and discussion of some of those changes.   The Premium Investor Visa (PIV) The new PIV will be available from...

Recent years have seen a rise in divorce rate for older Australian couples aged 50 years and above. It is unclear why this is happening. However, in some instances, the more assets a couple has accumulated over the years the more complex the situation can...

The Australian Taxation Office (ATO) 2014 amnesty initiative to disclose your offshore income and assets is winding up. So what if you didn't apply for amnesty under Project Do It? Is it too late for you? Project Do It On 27 March 2014, the ATO announced the...

A lot of people are confusing recent media regarding APRA & investment lending rules with the NCCP Act. This is a handy guide regarding loans for personal, investment and business purposes & how the credit legislation affects their respective loan approval criteria and compliance requirements. NB: This is...

From today’s vantage point, the 2014/2015 financial year was certainly an interesting one. We saw interest rates cut further to bring them to the lowest levels in a generation, helping to fuel higher capital city house prices. We also saw the ongoing effects of the...

Going to auction can be a gamble. But there are a few simple things you can do to help win your dream home. 1. Kick the tyres first  Inspect the property multiple times with the right specialists. Consider any required inspections – including building and pest – before you go...

Look for an eager vendor A vendor under distress is the most obvious component of a cheap purchase. There is no moral high ground here– often it’s a case that the seller needs a quick disposal and is willing to cut back on the price in...

Unfortunately not all renovations add value and if you don’t want to be pouring good money down the drain it’s wise to be conscious and informed about where you spend your money.    Beautiful Bathrooms The bathroom is no longer just a place to get clean, we look...

Building a home is a complex process that involves multiple parties including builders, contractors, lenders, solicitors, accountants, quantity surveyors and the council. With so many people involved in the process, there is always the possibility that some experts will not understand each others field and things...

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