by Nick Rainsford | 6 Oct 2016 | General, Home loans, Investments, SMSF, Uncategorized
When I first put in place a home loan 32 years ago all I could think about was how I was going to pay it off and own my own home. The day I made the final repayment was one I’ll always remember. I was free of the bank…until we decided to upgrade but that’s another...
by Nick Rainsford | 19 Sep 2016 | General, Home loans, Investments, SMSF
One of my neigbours is a builder. He and I often chat when we run into each other in the front of our houses. He has a philosophy about his personal finances that would surprise most people. He is debt averse. In fact, he boasts that he has never owed a single dollar...
by Nick Rainsford | 12 Sep 2016 | General, Home loans, Investments, SMSF
A few weeks ago I heard a wonderful expression to describe people that are always negative. The speaker at a seminar I attended was comparing those negative people in Australia to those crossing borders whilst fleeing war torn countries and yet remained hopeful and...
by Nick Rainsford | 5 Sep 2016 | Business, General, Home loans, Investments, SMSF
We at Thyme Financial are often astounded when clients tell us they had banked with a particular institution for decades and now in their late sixties they are met with bad service, products that are irrelevant or a loan rejection. That rejection may be for an...
by Nick Rainsford | 29 Aug 2016 | General, Home loans, Investments, SMSF
Be careful what you wish for… All of us love a bargain. It’s irresistible. Why pay the rack rate for something when you can get it for a quarter of the retail price. Those that have travelled to the US and frequented their outlet malls will know what I mean. So it is...
by Nick Rainsford | 22 Aug 2016 | General, Home loans, Investments, SMSF
A few weeks ago, after attending a property seminar, one of our clients contacted us and asked us to assess his borrowing capacity for an additional investment loan. By way of background, we had procured loans for this client of $1.6M in February this year. Nothing...
