Annette Tothill Finance

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Business Loans – What you need to know

Business Loans - What you need to know Business loans can be great when you need to get your brand up and running or cover unexpected expenses. However, it’s useful to understand the difference between the available options before committing to one. They’re designed...

Refinancing – How it works

Refinancing - How it works What is refinancing? Refinancing is the process of replacing an existing loan with a new one. With home loans, it means your existing home loan is paid off and replaced with a new one. This is different from a second mortgage, where you draw...

Financial Smarts

How to instil financial smarts in your kids. Worried about your kids not mastering the skills to manage their finances as adults? These tips for parents will help children develop good financial sense from a young age. Most parents want their children to achieve the...

Say goodbye debt

Say goodbye debt (and hello home loan) in seven straightforward steps It’s all too easy to rack up debt – credit cards, HECS, car loans – and may seem all too hard to pay it off. Debt can also have a big impact on how much money you can borrow for a home loan, so...

Choosing your broker

Seven things to look for when choosing your broker A good mortgage broker can be the key to your property portfolio success. Here’s how to find one. When it comes to one of the biggest financial decisions you’ll ever make, it pays to have some professional help. But...

How Redraw works

How redraw works and why it’s a handy loan feature It’s one of the less glamorous home loan features, but the redraw facility deserves a second look. Here’s why: The redraw facility explained A redraw facility lets you make additional repayments to reduce your...

Inspection Checklist

Your property inspection checklist When you’re house hunting, it’s easy to get distracted by aesthetics. This checklist will help you focus on what’s really important at a property inspection. Is it right for you? Is a spare bedroom, second bathroom or ensuite a must?...

Fixed, variable or split

Fixed, variable, split – find the right fit for you In Australia, there are a number of ways to structure your home loan repayments. Finding the best option may save you time and money on your mortgage. Here is some information to help you choose the repayment...

Investment Property

Treat your investment property like a business and your tenants like clients It’s important to look after the tenants in your investment property – it encourages them to stay long term and take care of your property. So how can you keep your tenants happy? By treating...

Six mistakes

Six mistakes business owners make when taking out a business loan A small business loan can be invaluable when you’re establishing your business or when an unforeseen setback occurs, but you don’t want a loan to be short-term gain and long-term pain. Here are six...

Ten questions

Ten questions to ask a mortgage broker Using a mortgage broker to help you choose a home loan can save you considerable time and could result in huge savings. However, before you decide on a broker, you need to make sure they’re going to meet your needs. Here are some...

Break-ups

Mortgages and break-ups: Some practical tips when separating Breaking up is hard to do. On top of the emotional impact, there are practical ramifications as well. When there’s a separation or divorce, debts you’ve accrued during the relationship unfortunately don’t go...

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Contact

PO Box 389 McLaren Vale SA 5171

Ph: 0420 973 551

Fax: 08 8556 2836

annette@tothillfinance.com.au

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