It’s hard to believe it’s already Easter, but by now you would have noticed all the chocolate eggs appearing around the supermarket. Easter is a special time for families, and in this article, we share some great ideas for your celebrations this year! Remember, if you have any plans to purchase a new property during the busy Autumn property purchasing season, we’re here to help with all your home loan needs!

Dye your own eggs

Dyeing and decorating eggs is a great way to get into the spirit of Easter, particularly if you have children. It’s super easy and fun! Simply boil up some eggs then make the colouring. Mix 1 teaspoon of vinegar and 20 drops of food colouring in 1 cup of hot water. For different colouring effects, leave the eggs submerged for different amounts of time. Get creative with glitter, stickers and multiple colours, and let the good times roll!

Easter egg hunt

Easter egg hunts conjure up fond childhood memories for many of us, so why not celebrate this year with an egg hunt in your backyard? You could even go all out and make it a clue-based Easter egg hunt if your players are a little older. If you’re looking for an egg hunt on a bigger scale, check out your local entertainment guides or newspapers. There may be community events such as this Easter egg hunt and family picnic in Melbourne.

Easter brunch for the adults

Another idea is to host a lavish Easter brunch and invite your nearest and dearest. There are plenty of great Easter recipes online, for example, this lamb recipe with caramelised onion and carrots sounds divine. If you’re looking for a dessert to ‘wow’ your guests, try making this hot cross bun and rhubarb cheesecake. It’s positively decadent!

Volunteer

Taking part in a feel-good activity like volunteering is be a wonderful way to celebrate Easter. You could help in a soup kitchen or lend a hand at your local opportunity shop. Retirement villages often need volunteers to chat to the elderly and keep them company. For inspiration, check out the volunteer opportunities on GoVolunteer. There are heaps of options, from becoming a volunteer tutor to refugee high school students to doing some light gardening in an aged care facility. You may even be able to find a volunteer activity for the whole family!

Real story of Easter

If Easter has religious significance for you, you may like to share the story of Easter with the kids. You could curl up on the couch as a family and watch biblical moves, or check whether your local church has any special Easter services or displays.

Host an Easter hat parade

New clothes, or a new hat at Easter is an ancient tradition, but these days it’s the realm of little kids who love getting crafty and dressing up. Celebrate both tradition old and new, by hosting an Easter hat parade! Invite all your kids’ friends to put their creative thinking caps on and bring their Easter hats to the party. Prizes for originality are a must.

Bake an Easter bunny cake

If you love seeing the ubiquitous Easter bunny at this time of year, why not bring him into your home as well? You could bake an Easter bunny cake and enlist the help of your kids. If cooking isn’t your strong point, here’s a great recipe for an Easter bunny cake, complete with a how-to video.

Make Easter basket gifts

Making an Easter basket is another fun activity to do with the kids. Why not move away from traditional baskets and go for a non-conventional design? You could use a glass jar and turn it into a terrarium filled with Easter eggs and decorations. Alternatively, transform an old watering can into an eye-catching Easter “basket” by getting creative with some ribbon. Check out this slide show for inspiration.

Make Easter cards

Put the kids to work making Easter cards for family and friends. It’ll keep them busy and the recipients will love receiving a handmade gift from a child in the mail. Cut up last year’s cards or collect Easter-themed cut-outs from junk mail advertisements. Discount stores usually stock a treasure trove of creative bits and pieces for this kind of activity.

Have a toy exchange

Recycle and spoil the kids at the same time by hosting a toy exchange or swap party! Go through your little one’s belongings and purge any unwanted items (you may have to do this when they’re not around). Invite other mums to do the same. You could make it fun by giving the kids “tokens” to redeem for new toys. Anything that’s left over at the end could go to your local charity shop.

We hope you find these Easter celebration ideas handy! We’d like to wish you and your family all the best for the Easter Holidays. Remember to give your Element Finance mortgage broker in Joondalup and Fremantle a call if you need support for your Autumn property purchasing plans, once the break is over. We’d love to hear from you.

Many people begrudge paying for insurance, but the peace of mind that comes from knowing you, your family and your home are protected against unforeseen events is priceless! Insurance provides protection against short term financial hardship and set-backs that could have a serious long term effect on your future financial security.

In this article, we explain the types of insurance you should think about when buying a home. If you’d like to know more, simply talk to us about your requirements, we’re here to help.

Income Protection

This type of insurance provides an income safety net should you become sick or injured and are unable to work and make your home loan repayments. You may also like to consider trauma/critical illness cover, total and permanent disability insurance and life insurance – that way if you are unable to go back to work, you won’t lose your home.

Mortgage Protection 

Mortgage Protection insurance covers the cost of your mortgage repayments if you die, or become seriously ill. It should be noted that it is only meant to cover your mortgage repayments and not any other expenses for you or your family. It may be a wise choice if you already have some other kind of life insurance – say with your super plan.

Building & Contents

Building or home insurance protects against the cost of rebuilding or repairing your home from things that are outside your control, like fire or natural disasters. You can opt for total replacement cover (to rebuild your home as it was prior to the event), or sum-insured cover (coverage up to a certain amount). When you buy a home, your mortgage broker will most likely recommend that you insure the property before settlement day.

When choosing your policy, make sure you have the right amount of coverage, as well as the right type of insurance for your actual needs. Talk to us, as we are an invaluable source of information to help you determine this.

Contents insurance protects your belongings, including carpets, rugs and curtains, in events such as fires, storms or theft. Often it will be bundled together with home insurance. Many people consider it a must-have to protect from those smaller disasters – even a contained kitchen fire could render your home unliveable until you can repair the damage!

How can your mortgage broker help?

We can access some of Australia’s most respected insurance providers, and offer you a competitive price on your insurance needs. What’s great is that we can do it all – from setting you up with a home loan that meets your financial circumstances, and also help you to arrange the right insurance to protect you and your family. You’ll find we can offer a range of options and make it easy. You may also be able to save by bundling insurances together, so please get in touch today! What insurance do you need to know about when buying a property?

Buying an investment property can be a clever way to build wealth for your future. There are government incentives that make this form of investment great for mum and dad investors – such as the potential to claim back losses as a tax deduction.

So, how do you go about finding the right property for your needs, particularly if you’re not an experienced property investor? In this article, you’ll find some insights about what to look for in an investment property. And remember, when you need the right finance for your investment, we are here to help!

Capital growth potential 

Capital growth is the increase in value of a property over a period of time. Investors use a range of strategies to build wealth, and looking for the properties that are most likely to experience significant capital growth, is often high on their radar.

So, how do you find an investment property with solid capital growth potential? Look for locations and suburbs experiencing economic growth. Economic growth creates jobs, which brings more people to an area, which may flow through to the property market via increased demand for housing. Greater demand means more chance of capital growth.

Next, be sure to choose an investment property that is close to amenities such as schools, shopping centres and public transport – when an area is experiencing economic growth, these properties will be in the most demand.

Rental returns

Some investors choose to focus on properties with a high rental yield, rather than just looking at capital growth potential. The rental yield is the rate of income return compared to the costs associated with the investment property. It’s typically expressed as a percentage, and may be calculated as a gross or net figure.

Investors who are following a rental yield strategy will typically look for areas where rents are high compared to the property value. Talk to us as we have access to have access to exclusive property tools to help you locate a suitable area.

Low maintenance costs

As an investor, it’s wise to opt for a low-maintenance property. They not only cost less to keep, but they’re less hassle too. Units can be easier and cheaper to maintain than old houses for example, but keep in mind you’ll most likely have to pay body corporate fees.

Ways to add value 

When choosing an investment property, ask yourself whether there is room for improvement, or ways to add value. You might not renovate it right away, but when you do, be sure to do plenty of research to find out what’s in high demand. Ask your local real estate agents what kinds of property features resonate well with tenants and future buyers in the area.

Choosing the right investment property requires careful research and planning. Luckily, one area you don’t have to worry about is finding the right investment loan for your specific needs. We can take care of finding you a loan product that matches your financial circumstances, while working with your investment goals. Please call us today!What to look for in an investment property

Christmas is such a special time of year! You can feel the magic in the air at shopping centres as the decorations come out, or when you’re driving around and notice people transforming their homes into a wonderland of lights.

If you’re also looking to fill your home with holiday cheer, here are some unusual festive home décor ideas you’re going to love. And remember, if you need finance for a really big gift (like the kind that’s just too large to wrap), please give us a call!

Create an unconventional tree

If you feel like a change this Christmas, why not invent your own tree? Pinterest has plenty of great ideas, like dressing up a ladder as a Christmas tree or using driftwood to create a rustic-looking tree display. Check out the effect here.

Go big with your light display

Instead of spending a fortune on the electricity bill with miles of rope lights, why not turn your pad into a light show spectacular the easy and inexpensive way, with cool options like Target’s Snow Flurry Lightshow Projector, which blasts a bright swirling display of snowflakes onto your home. Otherwise, you could opt for something more subtle. For example, you could line walkways with luminary bags or lanterns to create an ambient effect. Here’s some inspiration.

Make your own snow globes

If you have small children, they are going to love this one! DIY snow globes are easy to make and a great way to create festive cheer. All you need is a small glass jar, a plastic figurine of something Christmassy, glycerin, glitter, water and glue. Simply glue the figurine to the inside of the jar lid, fill it with water and glycerin, add a couple of teaspoons of glitter, screw the lid back on and glue it down if necessary. There you have it, Christmas cheer in a jar! You can even make a winter wonderland terrarium by adding small twigs, pinecones, and cotton wool to the jar and leaving out the water.

Make merry in the throne-room

Why not dress up your toilet with Christmas cheer and give your guests something to talk about? You could make a Santa toilet lid cover and toilet mat, or if you really want to impress them with your Christmas cheer, invest in an LED toilet bathroom night light like this one, available on eBay. It’s motion activated, so your guests won’t have to stumble around in the dark looking for the light switch.

Jazz up your front door

Have you heard of Christmas front door covers? We hadn’t either, but apparently you can give your house a Christmas facelift with a front door mural. There are some really high-quality designs available, and what’s great is that they are removable and reusable. Banners come in all different colours and feature everything from the big man in red to Christmas trees and nativity scenes. Click here to check them out.

What else would be fun for Christmas?

How about a new family car, boat or a jet-ski? Buying that dream home or investment property you’ve always wanted would also be a great reason to celebrate with your family.

We are here to help you have yourself a merry little Christmas indeed, with a loan for a new home or investment, or tailored finance to fit your other purchasing needs. Please give us a call today!Unique Home Decoration Ideas for Christmas

Christmas is just around the corner and isn’t it a wonderful time of year? It’s a time for family and friends, a little self-indulgence, of recognising how hard you’ve worked all year and rewarding yourself for your efforts. If you’ve been contemplating a property purchase, why not make that dream a reality? We can help you secure the finance you need, so please get in touch!

Interest Rate News

Thankfully, there was no pre-Christmas surprise this month from the Reserve Bank of Australia. The board decided to leave the cash rate on hold at 1.5 per cent. The central bank’s board will next meet in February 2018.

Property Market News

On the whole, national dwelling values were largely steady in November. Again, Melbourne seems to be proving more resilient than Sydney, with dwelling values up 0.52%. In contrast, Sydney’s housing market saw prices fall -0.72% in November. Canberra’s dwelling values rose by 0.86%, while Hobart experienced 0.64% growth. Things are looking up for property owners in Perth, where values rose by 0.21% in November. The city recorded the first rolling quarterly capital gain since late 2014 (up 0.3% in the three months to November). In Brisbane and Adelaide, there was less fluctuation (0.07% and 0.01% growth respectively). Darwin, like Sydney, experienced a fall in property values – the month-on-month change was -0.42%.

In the week ending December 3, there were 3,276 auctions held across the combined capital cities. According to CoreLogic, the preliminary clearance rate was 63.5% – up from the previous week’s clearance rate of 61.6%. Auction volumes remain in line with last year’s figures, but this time last year the clearance rate was much higher, at 72.3%.

Melbourne and Sydney’s clearance rates picked up compared to previous weeks. In Victoria, there were 1,800 scheduled auctions and a clearance rate of 67%. New South Wales held 1344 scheduled actions and cleared 62% of the stock. Meanwhile, the ACT had the highest clearance rate – 76% on 105 scheduled auctions. Tasmania only held 11 auctions and cleared 67% of stock, while South Australia had 148 scheduled auctions and 65% of properties sold. In Western Australia, 61 properties went to auction and 46% went under the hammer. Queensland held 395 auctions and the Northern Territory had 17. Both had clearance rates of 36%.

As the sun sets on 2017, we’d like to take the opportunity to wish you a safe and happy festive season. Remember, now is a great time to purchase a new property for the New Year, or to re-evaluate your mortgage. If you’d like advice about finding a mortgage that suits your financial circumstances and plans, we’d love to help! We’ll do the hard yards for you, so that you can concentrate on the fun stuff this summer, like playing beach cricket and being with the family. Here’s to an exciting 2018 – hopefully one that includes an exciting new property purchase! Welcome to our December Newsletter


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