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Don't pay the Lazy tax

Don't pay the Lazy tax

Added on 22 November 2017

With the number of products available, comparing home loans can be a daunting experience. For this reason most of us don't consider reviewing our current home loan and making  a move from our current lender. This can be costly and have disastrous effects for your finances in the long run. Banks rely on personal inertia to extract a Lazy Tax - the extra premium they make on the difference between the rate they charge... READ MORE


4 tips to better manage your cash flow

4 tips to better manage your cash flow

Added on 15 November 2017

Everyone would love to have not only the cash flow to pay all our bills on time, but also to be organised enough to do so. Ultimately we prioritise payments based on the importance of the supplier, credit terms, discounts offered for early/on-time payments, but most importantly on the financial penalties imposed on late payments. Sometimes penalties/interest exceed the original fee or interest on credit cards in particular can... READ MORE


Tax Deadlines

Tax Deadlines

Added on 14 November 2017

If you are worried that you may have missed the much publicised lodgement deadline for individual Income Tax Returns, worry no more…. That deadline of 31 October 2017 only applies if you lodge your own income tax return. Etairos receives the tax agent lodgement extension for the majority of our clients, meaning that lodgement is required by 15 May 2018 for 2017 Income Tax returns, not 31 October (earlier dates may apply for ... READ MORE


SBE Capital Expenditure Concessions

SBE Capital Expenditure Concessions

Added on 13 November 2017

In the May 2017 Federal Budget, the $20,000 immediate write-off tax concession was extended by another year, so whilst being available for 2017 as legislated the previous year, it is also available in 2018. This means that if you need capital items and they have a cost of less than $20,000 (net of GST), then they can be deducted against your income 100% in 2018, not depreciated and that expense claim spread over the following ... READ MORE


7 years since the last rate increase

7 years since the last rate increase

Added on 03 November 2017

It's been seven years since the last time the Reserve Bank of Australia raised interest rates. The last time they did the AFL grand final between Collingwood and St Kilda resulted in a draw, the Commonwealth games were in Dehli and Steve Jobs and Osama bin Laden were still alive. It was seven years ago today, and the RBA board has met 76 times since, cutting rates 12 times with not one increase. The result of this month’s m... READ MORE


6 things you need to know before you set up an SMSF

6 things you need to know before you set up an SMSF

Added on 15 September 2017

The decision to take control of your superannuation and establish a Self Managed Super Fund (SMSF) will be one of the most important financial decisions that you will make.  Establishing a Fund can be a great way to take control of the dollars you're saving for retirement by putting you in the driver's seat when it comes to all decisions - investments, insurances, management - in relation to your fund. For people whose ci... READ MORE


Interest rates to rise but not for a while: RBA

Interest rates to rise but not for a while: RBA

Added on 14 August 2017

Despite optimistic comments that suggest the high Australian dollar is ­increasingly the main impediment to mortgage rates, the Reserve Bank of Australia believes they are more like to rise than fall.  Speaking in Melbourne at his six-monthly testimony before a key parlia­mentary committee, RBA Governor Philip Lowe said he "didn’t want to dissuade” anybody from the idea that, gradually, "the average level of rates w... READ MORE


Reasons to refinance

Reasons to refinance

Added on 19 July 2017

It makes good sense to review your home loan from time to time to check that it is still continuing to meet your needs with the features you need or want while offering you an interest rate that is competitive with the current market. Today’s mortgage market is very competitive. New loan types with features and packages are becoming available and loan interest rates vary widely too. As your circumstances and stage of life c... READ MORE


Tax tips for the new financial year

Tax tips for the new financial year

Added on 05 July 2017

Just as many people make New Year’s resolutions, it might also be a good idea to look to make changes in the new financial year and become as tax effective as you can be.  The new financial year is a great time to reassess your financial position and look for any tax benefits you qualify for.  One of the first things you should do is review deductible and nondeductible debt. Having high levels of non-deductible de... READ MORE


Rates hold eleven months in a row

Rates hold eleven months in a row

Added on 04 July 2017

The Reserve Bank of Australia (RBA) has made its monthly cash rate call, deciding to hold the official rate at 1.5% for the 11th month running. This decision was widely expected by all economists and commentators. Mortgage Brokers were also fairly confident in a hold call with a survey finding that 88% of more than 440 brokers thought rates would remain steady in this month.  However, there is a developing consensus that ... READ MORE


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Latest from the blog

Don't pay the Lazy tax 22 November 2017

With the number of products available, comparing home loans can be a daunting experience. For this reason most of us don't consider reviewing... READ MORE

4 tips to better manage your cash flow 15 November 2017

Everyone would love to have not only the cash flow to pay all our bills on time, but also to be organised enough to do so. Ultimately we prioritise... READ MORE

Tax Deadlines 14 November 2017

If you are worried that you may have missed the much publicised lodgement deadline for individual Income Tax Returns, worry no more…. That deadline... READ MORE

“Fantastic service from Paul and Jaeneen when I built my first property earlier this year, it was outstanding. The process was seamless and stress free which is exactly what I was after. Etairos were amazing to work with. I highly recommend working with them for anyone seeking finance and look forward to working with them again in the future!” more testimonials

Robbie Rintoul, Gladstone

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