Shane, Author at Pearl Financial - Page 5 of 12

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About the Author

Shane specialises in helping Gen Y professionals and business owners make an impact by accumulating more assets, generating more income, and having more time to enjoy life. He has a Master of Applied Finance, an MBA, and a Master of Financial Planning. He is also a terrible golfer.

May 11

How Do You Refinance Your Home Loan

By Shane | Refinancing

Refinancing your home loan can help you achieve important goals. It can be a great way to access home equity to invest in other areas such as investment property, shares, or managed funds. Refinancing can offer you the chance to take advantage of more flexible features if your circumstances have changed, or if you’ve had your home loan for a few years.Continue reading

May 09

3 Common Myths About Refinancing That You Need To Be Aware Of

By Shane | Refinancing

Do you think that refinancing is too hard? Have you checked your mortgage recently? Whether you’re looking to lower your monthly repayments, restructure your loan or access more flexible options, refinancing may be a viable option.

With the general perception being that it’s complicated, expensive, and best left in the too-hard basket, there are many myths surrounding refinancing and here are three common myths about refinancing that you need to be aware of.Continue reading

May 08

What Is A Cash Flow Positive Property

By Shane | Investing

Have you heard the term “cash flow positive” and weren’t exactly sure what it means? In a nutshell, cash flow positive property is whereby the rental income exceeds the expenses of the property. Let’s say for example that you’re making a thousand dollars a month and your bills were roughly seven hundred dollars, then that means that you would be getting around about three hundred dollars’ cash flow positive from your property every month.  Continue reading

May 05

Confused About Pre-Approvals? Follow These Three Steps

By Shane | Fundamentals

So, you’re buying your dream home. First and foremost, that’s a great decision. It’s a smart investment; it’s a long term investment; and at the end of the day, for most people owning is better than renting. So, you’ve made a decision and it now comes down to the pre-approval process.

Pre-approval is a very important and critical step. It’s important to do that and make that the first step, prior to looking at any homes. Pre-approval is a critical step because what pre-approval allows you to do is to determine if you’re able to buy. It’s essentially important to get pre-approved before you begin looking for your dream home. Confused about pre-approvals? There are a few things to understand and get in order. You may follow these three steps to ensure that you get the home loan that’s right for you.Continue reading

Apr 27

How To Make Sure That You Are Ready For Your First Home Loan

By Shane | First Home Buyer

It’s always important to get a good loan and it’s particularly a big deal for first time home buyers. First time home buyers are often just getting on their feet financially. So, how do you make sure that you’re ready for your first home loan?

There are five questions to help you find out. These are questions that will determine when you should venture into home ownership. If you can’t answer yes to each of these questions, you’re definitely not yet ready for your first home loan.Continue reading

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