Many people have found us at FinancialAdvisor.com.au after searching for the ‘best financial advisors Sydney’ or ‘financial advisor sydney’ in google.

We at FinancialAdvisor.com.au have been helping Sydney siders make good finance decisions since 2001. Whether you are starting out or nearing retirement, have a think about making an obligation free appointment with James Gerrard, award winning financial planner and understand why many people in Sydney have trusted James to be their personal financial adviser.

Now that we are well into 2013, we have been seeing quite a few people who are looking to either enter the property market or upgrade property this year.  With the property market relatively stagnant over the past few years, with interest rates now the lowest they’ve been for years and the property market showing signs of life, many are now considering whether now is the right time to make the plunge into the property market or upgrade their existing property.

Purchasing a property is one of the biggest investments that most people make in their lives and there are many considerations that should be factored into the decision making process.  It is advisable to seek to seek professional financial advice.

Some of the questions that people have come to us for advice in relation to property purchases this year have been:

- How much can I borrow?

- How much deposit will I need?

- Should I fix part of the home loan?

- Can I pay the loan off quicker?

- What can we do to avoid paying lenders mortgage insurance?

- How can I utilise Government grants and exemptions?

- Can I use my super to purchase property?

- Can you help me determine where to buy a property?

Another area people have sought our advice this year has been around budgeting better.  Today it is not uncommon for people to have multiple credit cards and bank accounts and with electronic payments, tap and go payments and thousands of ATM’s around Australia, I would argue that it has never been harder for people to manage their finances.  Then add high rents (or mortgage repayments) and increasing cost of living pressures along with wanting to spend some money to enjoy yourself, and there may not be any money left at the end of each month!

We help people gain control of the finances by understanding how they spend, setting goals around savings, and implementing low maintenance budgeting tools to assist people start to save money so they can either reduce debt or start to save for a property.

If you’d like to speak with James about purchasing a property or budgeting better and live in Sydney, feel free to send us an e-mail atjames@financialadvisor.com.au otherwise call us on (02) 9324 8877.