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Debt Management

Fixed Vs Variable Interest Rate – Fight!

So, about your home loan interest rate. When to fix your interest rate is a question we always get asked by clients, so let’s share our professional response! Firstly, let’s outline what a fixed or variable rate is, and the key factors you’ll need to consider. A fixed rate? This ...
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What’s the difference between borrowing capacity and affordability?

So you want to buy your first home? Maybe your second or even an investment property? Well here is a tip from a friend for free: Just because the bank says you can borrow a certain amount doesn't mean you should! When it comes to borrowing money, many people confuse ...
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Credit Card Hangovers Video

Ever suffered a credit hangover? Many people have and do. They take longer to fix than a night at the pub! So here is your CC hangover cure video.
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Tips and traps of credit

Starting out with a HECS debt is bad enough, but abusing a credit card can also mean trouble. Admittedly it’s tempting to spend with interest rates at current levels, but most credit cards still have double-digit rates.1  Of course a credit card is useful when you don’t have ready cash, ...
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How can I own my home sooner?

It doesn’t have to be the stuff of dreams. There are several strategies that could help you pay off your home loan sooner. And it doesn’t necessarily mean sacrificing the things you love doing today. The first step towards paying off your home sooner is to understand your loan—how much ...
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    Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.

    7Wealth Pty Ltd ABN 44609210246 is a Corporate Authorised Representatives and is authorised through Cobalt Advisers Pty Ltd ABN 64 628 654 099 who is an Australian Financial Services Licensee 512550. 7Wealth Pty Ltd is a Credit Representative of Australian Finance Group Ltd ABN 11 066 385 822 (AFG) Australian Credit Licence 389087.