RESOURCES
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Quick links
Meet Mark Jones
0:15 What is the difference on getting a loan for something that will depreciate?
1:50 Am I risking my property if i default on my car loan payments?
2:26 Payment agreements
Small versus large business.
00:00 Are loans harder to get for Self Managed Super Funds?
1:02 Do people buy residential or commercial properties?
Is one better than the other?
What is a line of credit?
00:00 What is Lenders Mortgage insurance?
00:35 Does paying 5% and 10% deposit mean you will pay Lenders Mortgage Insurance?
0:00 What is the process for a home loan?
0:48 What happens if the valuation comes in less than the pre-approval?
2:00 Free health check
2:28 Tips for what to bring for the meeting?
What to do and how to get started.
0:10 Investment property location - does it matter?
1:10 How does your life stage affect your loan?
0.07 What if my last three months are not reflective of my actual finances?
0:40 What documentation do you provide for forward planning?
0:01 Doe your industry determine your rate?
0:01 What can a broker offer?
1:13 Policy changes - are they being communicated to everyone?
1:45 Why do banks channel interactions through brokers?
Personal story
0.20: What does a broker do? Personalisation.
1:11: Why do clients go back vs bank.
0:00:What kind of checklist should I get together to apply for a loan?
0:09: What impacts your credit score?
0:56 What can I do to improve my credit score?
1:42 Can you debate your credit score due to circumstances out of your control?
2:40 Can you leverage from a guarantor?
2:50 How far back do the banks go to look at your credit score?
3:30 Does the broker or borrower do the credit check?
4:25 What happens if you are married, does your partner's score impact you?
0:01 Common Mistakes Residential Lending
1:23 Common Mistakes Business/Commercial Lending.
0:00 Are credit cards able to be consolidated into my home?
0:00 What are the steps you take to switch banks?
0:00 Going to a larger organisation - how does it differ?
1:07 What does a bank get out of it?
2:23 What is your relationship with the bank?
0:07 Example of a lending outcome for a Commercial client.
2:15 What happens if you go to an Auction without Pre-Approval?
3:08 Is commercial lending tighter than residential lending?
0:10 How many lenders do you have access to?
0:50 Tailoring different clients to different banks
1:46 If I were to go online, can I do the same thing myself without a broker?
When it comes to financial planning, there's no one-size-fits-all approach. Some people choose to save everything they can, while others are more comfortable with a mix of savings and investing. The key is to find the right balance for your situation.
Understand what Risk Appetite means in the world of investing and how it impacts your portfolio. Discover strategies for determining your own risk appetite or profile. Explore the advantages and disadvantages of researching your risk profile independently versus seeking professional advice. Learn why it's crucial to regularly monitor and review your risk profile to ensure it aligns with your financial goals.
Wondering if your investments align with your changing goals? Let's find out! Learn how to assess if your current investments still match your evolving objectives. Discover how to determine if it's the right time to sell your investments. Explore reliable sources online where you can get accurate information to guide your investment decisions.
Curious about Dollar Cost Averaging? Let's break it down! Understand what this investment strategy entails and how it can benefit you. Explore the communication involved in implementing this strategy and how it relates to fees. Learn about the potential tax deductibility of these fees.
Wondering if you're receiving the right financial advice? Let's find out! Learn how to ensure that the individuals and firms you're working with hold the necessary licenses. Explore whether you'll receive similar financial advice and options regardless of where you seek guidance. Understand the types of communication you should expect from your financial advisor. Discover how to gauge if your progress is in line with your goals.
Discover the current retirement age and potential changes on the horizon. Understand the reasons behind age increases and explore options for early retirement. Delve into tax implications and access to funds, plus the importance of sticking to a retirement plan.
Learn about current rates and future changes, understand your yearly contribution limits, and discover the benefits of catch-up contributions come tax time.
Let's talk about non-concessional contributions! It's all about putting money into your super without getting a tax break. We'll explore how much you can put in, why it's good for tax time, and the smartest ways to handle it.
Find out if there's a middle ground for contributing that's neither concessional nor non-concessional. Discover if this trend is on the rise with more baby boomers retiring. Learn about the strict rules involved and get the lowdown on how to kick-start your journey into this unique contribution space.
Find out why it's important to consider who's managing your Super. We'll discuss the benefits of reviewing and potentially switching provider.
We'll talk about weighing your long-term goals against short-term needs. Discover how to balance saving for your future with meeting your current financial goals.
Understand the difference between diversification and customisation, and why it matters. Plus, find out if you can gather this info on your own.
Life Insurance is all about and how it can protect you and your loved ones. Discover how long it takes to receive a payout when you need it most. Understand the terms and conditions outlined in the contract to make informed decisions.
Learn what TPD (Total and Permanent Disability) is and how it can safeguard your finances in case you're unable to work due to a disability. Discover the ins and outs of income protection and how it can provide a safety net if you're unable to work due to illness or injury.
Understand what a waiting period is and how it affects your insurance coverage. Explore the different types of insurance available, each offering unique benefits and protections.
Explore the various types of premiums available and how they impact your coverage. Gain insights into the different options you have when it comes to paying for your life insurance policy.
Ready to understand the ins and outs of tax and life insurance? how Trauma Insurance and Income Protection may impact your tax situation. Get clarity on whether your life insurance premiums are tax deductible.
Ever wondered about Group Life Insurance? Let's uncover it! Understand what Group Cover entails and how it differs from individual policies. Explore the potential drawbacks of relying solely on Group cover. Learn why tailored cover might be a better option for meeting your specific needs.
Considering waiting and benefit periods for insurance? Let's break it down! Explore the factors to consider when choosing the best waiting and benefit periods for your coverage. Discover different strategies to tailor your insurance plan to fit your needs.
Understand the reasons behind the drastic shifts in the financial planning landscape. Explore how the quality of financial planning has evolved over time. Discover whether there's a trend towards technical expertise over sales experience among professionals. Learn about the potential impact of increased compliance standards on service levels. Plus, find out what it really takes to become a financial advisor in today's dynamic environment.