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Today | Tomorrow | Together
How to build an Emergency Fund (without feeling overwhelmed)
How to build an Emergency Fund (without feeling overwhelmed)

Life has a funny way of throwing curveballs, and when it does, having an emergency fund can be a total lifesaver.

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Ayal Fernando3 March 2025
How did property prices go in 2024? And what’s tipped for 2025?
How did property prices go in 2024? And what’s tipped for 2025?

As we head towards the end of 2024, let’s take a look at how property markets performed over the last year – and discover what the experts say may lie in store for home prices in 2025.

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Ayal Fernando12 December 2024
How long it takes to save a deposit (and how to fast-track it)
How long it takes to save a deposit (and how to fast-track it)

Planning to buy your first home? It takes (on average) about five to six years to save a deposit at present. But who’s got the patience to save for six years? Today we’ll look at four ways you could fast-track home ownership.

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Ayal Fernando10 October 2024
Could rate cuts mean house prices heat up again?
Could rate cuts mean house prices heat up again?

Thinking of holding off buying until interest rates fall? Wait until you see what could happen to home prices. Here’s why it could make sense to buy sooner rather than later if you’re home loan-ready.

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Ayal Fernando4 October 2024
The home loan feature 70% of new borrowers are hooked on
The home loan feature 70% of new borrowers are hooked on

When it comes to home loan features we’re spoiled for choice. Even basic loans can come with a fisherman’s basket full of options. But one feature in particular is being targeted by seven out of 10 home buyers.

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Ayal Fernando5 September 2024
How to buy an investment property using your home’s equity
How to buy an investment property using your home’s equity

Want to grow your investment portfolio but have most of your wealth tied up in your family home? You may be able to leverage recent gains in the property market as equity for an investment property. Let’s take a look.

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Ayal Fernando15 August 2024
Here’s why your borrowing power might soon get a lift
Here’s why your borrowing power might soon get a lift

Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.

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Ayal Fernando2 May 2024
THE DANGERS OF CHASING INVESTMENT RETURNS
THE DANGERS OF CHASING INVESTMENT RETURNS

It can be a hard temptation to avoid; you sit there and watch while other investments outperform your own, and you begin to wonder… why don’t I just invest my money there instead?

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Ayal Fernando13 March 2023
HOW TO PREPARE FOR A FIXED-RATE MORTGAGE CLIFF
HOW TO PREPARE FOR A FIXED-RATE MORTGAGE CLIFF

Do you have a fixed-rate mortgage contract that’s coming to an end soon? It can be a stressful time, particularly with rate rise news dominating the headlines. So today we’ve got some tips for a smooth transition.

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Ayal Fernando16 February 2023
Are they really OK? Here’s how to check in with them today
Are they really OK? Here’s how to check in with them today

Do you know how the people in your world are really doing right now? Chances are you know someone who’s doing it tough, but silently pressing on. As always, we’re here to support you, and for R U OK? Day we’re sharing ways you can help others.

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Ayal Fernando9 September 2021
SINGLE PARENTS AND FIRST HOME BUYERS GET BIG BUDGET BOOST
SINGLE PARENTS AND FIRST HOME BUYERS GET BIG BUDGET BOOST

Single parents saving for a property and first home buyers are the big winners from this year’s federal budget. Today we’ll break down the three schemes that will help them crack the property market sooner.

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Ayal Fernando25 March 2021
CONSIDERING INVESTING IN YOUR CHILD'S NAME? TREAD CAREFULLY
CONSIDERING INVESTING IN YOUR CHILD'S NAME? TREAD CAREFULLY

We all want what’s best for our children. So while investing in their name from an early stage might sound like a great idea, you need to tread as carefully as you would around an abandoned lego construction site.

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Ayal Fernando25 March 2021
FIRST COME, FIRST SERVED: FIRST HOME BUYER SCHEME NOW OPEN
FIRST COME, FIRST SERVED: FIRST HOME BUYER SCHEME NOW OPEN

Applications for the new First Home Loan Deposit Scheme are now open, with 10,000 guarantees available to first home buyers looking to get a leg up into the property market.

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Ayal Fernando6 January 2020
CAPS FOR NEW FIRST HOME BUYER SCHEME REVEALED
CAPS FOR NEW FIRST HOME BUYER SCHEME REVEALED

The property price caps in each state have been revealed for the federal government’s new first home buyer scheme. Read on to find out the maximum value of a property you can purchase under the scheme.

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Ayal Fernando31 October 2019
FOUR WAYS TO DIVE INTO THE PROPERTY MARKET WITH A SMALLER DEPOSIT
FOUR WAYS TO DIVE INTO THE PROPERTY MARKET WITH A SMALLER DEPOSIT

Three-in-five prospective first home buyers intend to buy soon with a smaller deposit, rather than wait until they have saved a 20% deposit. So how do they plan on doing so?

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Ayal Fernando26 September 2019
HOME-OWNERSHIP WITHIN REACH: WILL YOU QUALIFY FOR NEW BUYER SCHEME?
HOME-OWNERSHIP WITHIN REACH: WILL YOU QUALIFY FOR NEW BUYER SCHEME?

Imagine buying your first home with only a 5% deposit and not having to pay lenders mortgage insurance (LMI). Well, that dream is one step closer to reality after the government introduced legislation to implement the First Home Loan Deposit Scheme.

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Ayal Fernando19 September 2019
RBA GOES BACK-TO-BACK WITH CASH RATE CUTS
RBA GOES BACK-TO-BACK WITH CASH RATE CUTS

The Reserve Bank of Australia (RBA) has cut the official cash rate by 25 basis points to a new record low of 1%. Yep, that’s right, back-to-back rate cuts within just one month.

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Ayal Fernando2 July 2019
A SUPER HEADS-UP BEFORE THE EOFY
A SUPER HEADS-UP BEFORE THE EOFY

Superannuation changes are afoot, and time is running out this financial year to take action. Here’s what you need to know about your superannuation account ahead of the EOFY deadline.

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Ayal Fernando13 June 2019
GETTING HOUNDED BY ATO IMPERSONATORS? DON'T GET SCAMMED THIS TAX SEASON
GETTING HOUNDED BY ATO IMPERSONATORS? DON'T GET SCAMMED THIS TAX SEASON

No doubt, like most, you’re suffering from a bit of election fatigue. But stick with us – here’s one last article that explains what you can expect from the 46th parliament of Australia.

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Ayal Fernando6 June 2019
WHAT THE RE-ELECTED COALITION GOVERNMENT HAS PROMISED
WHAT THE RE-ELECTED COALITION GOVERNMENT HAS PROMISED

No doubt, like most, you’re suffering from a bit of election fatigue. But stick with us – here’s one last article that explains what you can expect from the 46th parliament of Australia.

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Ayal Fernando23 May 2019
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222 Blackburn Road,
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Australia
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today | tomorrow | together
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Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.

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