Shane, Author at Pearl Financial - Page 8 of 12

All Posts by Shane

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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.

Mar 03

The First Home Owner’s Grant Guide: Western Australia

By Shane | First Home Buyer

If you’re buying or building your first home, you may be eligible for the First Home Owner Grant. The First Home Owner Grant scheme is completely funded by the Western Australian Government and managed by the Office of State Revenue.

First home owners purchasing or building a new home may be eligible to receive a grant up to $10,000. The First Home Owner Grant is not means tested. There is no income test. But if you or your partner have owned residential property before, you may not be eligible for the First Home Owner Grant.Continue reading

Mar 02

The Pros & Cons of Buying a Property in a SMSF

By Shane | SMSF

There’s an increasing number of Australian investors who have taken control of their super fund and are utilising them to purchase property investments. Self-Managed Super Funds (or SMSFs for short) have become the single biggest asset class in Australia. But before going in-depth with the advantages and disadvantages of borrowing with a SMSF, you should first understand SMSFs.Continue reading

Feb 28

The First Home Owner’s Grant Guide: South Australia

By Shane | First Home Buyer

Are you eligible for the First Home Owner Grant in South Australia? A once-off First Home Owner Grant of up to $15,000 is available to eligible first home buyers purchasing or building a brand new home. The grant is not just restricted to houses. It is also applicable to a new unit, townhouse or apartment. You may be eligible for the First Home Owner Grant if you’re building a brand new home or purchasing a brand new home which has not been previously occupied or sold as a place of residence, including a substantially renovated home.Continue reading

Feb 27

The Pros & Cons Of Family Guarantee Loans

By Shane | First Home Buyer , Guarantor

Home ownership may be more difficult to attain as compared to previous generations. Many Australians are putting off buying their first home until later in life. With the overall homeownership rates across the nation have been dropping since the mid 90’s, it seems like an uninviting scenario. But still, don’t get discouraged for there are still solutions available and it isn’t just a matter of saving more or for longer to have a larger home deposit.Continue reading

Feb 24

Home Loan Refinancing Mistakes You Should Avoid

By Shane | Refinancing

Refinancing your mortgage is not as scary as you imagine. So, how do you get on board and save more on your home loan?  According to a new research, the number of mortgage holders considering refinancing continues to grow over the past year. The latest housing finance data from the Australian Bureau of Statistics (ABS) shows that the number of home loans being refinanced increased by 20% in the past twelve months.Continue reading

Feb 23

The First Home Owner’s Grant Guide 2017: Victoria

By Shane | First Home Buyer

Searching for and buying your perfect first home is an exciting time. Congratulations for taking the first steps towards it! You may have heard about the First Home Owner Grant, especially now that you’re in the market for your first home. There are also duty concessions available from the Victorian Government to help you on your way with this important step in your life.Continue reading

Feb 21

Should You Refinance Your Mortgage?

By Shane | Refinancing

So you’re wondering if refinancing your home loan is right for you? Well, the principles behind refinancing are simple. The usual motivation is to get the best deal possible in terms of interest rate and fees. You’re probably looking for more affordable repayments or to pay your loan off sooner. But whatever the reason, if you’re considering moving your loan from one lender to another, you need to make sure that your next home loan ticks all of them.Continue reading

Feb 20

The First Home Owner’s Grant Guide 2017: Queensland

By Shane | First Home Buyer

Are you looking to buy a new home, a townhouse or an apartment and live in Queensland? You can qualify for the First Home Owner Grant which is quite substantial. Introduced by the Australian government on July 1, 2000, the First Home Owner Grant scheme is a great opportunity for first time home ownership. It also makes it easier for young Australians to get into the property market sooner.Continue reading

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