Ask Alan, Blog and Articles...
How to Buy a House
It’s Spring – The family has grown, you want to be closer to schools… Or … the kids have left, it’s time to downsize … It’s time to shift house. Spending your weekends going to open homes and after a while – it becomes so confusing… My brother recently asked for...
What is going on with Interest Rates…
I have asked you (my clients) many times if you want to know my opinion on why interest rates and house price are as they are. The clear answer is... NO ! What we do want from you – is what should we do… Let me go back a bit first. Every decade has had a defining...
A Budget Thought You Won’t Be Expecting – the THREE mistakes people make.
The Council of Social Services (ACOSS) always makes a submission to the budget. This year it notes that the top 10% of Australians have over $5.2 million in net wealth and that the gap between the top 10% and those below is somehow inherently wrong. It also notes that...
What is a “Tracker Mortgage”?
A report from a government committee has suggested that Australian Banks be forced to issue “Tracker Mortgages” (Aust Financial Review 27 March 2024). Australian banks have unsurprisingly pushed back. A “tracker mortgage” supposedly “tracks” the Reserve Bank cash rate...
Early Retirement – Be careful what you wish for…
I once wrote an article titled “A funny thing happened on the way to the cemetery”. When the pension was conceived, average life expectancy was 62. Retirement age was 65. The pension was predicated on the assumption that most would never receive it. Someone born in...
Question of the Week: Inter-generational financial support
How best to deal with the worry of inter- generational issues…? In my email last week, I posed the question of how best to prepare for your own future… One client asked how they could help their (young) children – not yet born – because of their concerns about what...
Let’s Start a Conversation…
I spent time with long term clients and even longer friends over the weekend. Here was one part of the conversation – and I’d like you to continue it, along any pathway you choose… more of that later. “How much do I need to live comfortably in later life?” Average...
2024 The Year Ahead
There are things that can be taken as almost certain this year – so let’s plan for them. On the money supply side: At some stage this year the Reserve Bank will start to reduce rates. When rates fall by 0.25% it is almost certain that banks will act with their usual...
Wishing you all a very Merry Christmas
As 2023 comes to a close, I’d like to thank you all for continuing to trust in me to look after your loansand continuing to work for your best interests. A home loan is more than just more than just money, it is an opportunity to create a foundation forour future and...
Explore Our Blog Topics
Mortgage Tips & Advice
Industry News & Updates
Home Buying Strategies
Financial Planning & Budgeting
Why Choose Us
Expert Guidance
Benefit from Alan’s extensive experience and in-depth knowledge of the mortgage industry.
Competitive Rates
Access exclusive mortgage rates that are tailored to suit your financial needs.
Personalized Service
Enjoy a customized mortgage experience with solutions designed just for you.
Ready to Secure Your Dream Home?
Reach out to Alan Heath for expert mortgage advice and personalized solutions. Schedule your consultation now to explore the best options for your financial future.
