So the 2019 Federal election has come and gone. So what does the Coalition victory mean? The following article provides a summary of the main impacts of a re-elected Liberal/NP Government based on their campaign commitments.

Click here to read the article

Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
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Email: integrityone@iplan.com.au

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This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. Please consult your adviser before making decisions using this information.

Carers are people who provide care and support to family members and friends who have a disability, mental illness, chronic condition, terminal illness, an alcohol or other drug issue or who are frail aged.

The Carers AustraliaVic website is a great resource for support material for carer’s and their loved ones.

The following are links to some recent articles that tackle issues from both the perspective of the carer and the person being cared.

• Carers and sleep problems
• Carers and back problems
• Carers and depression
• Carers and anxiety

Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

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This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. Please consult your adviser before making decisions using this information.

Federal Treasurer Josh Frydenberg MP delivered the budget in Federal Parliament on Tuesday 2 April 2019.

If you are interested in learning more about what changes will occur should the government hold power in the upcoming Federal election, and how they may impact you,  then following articles should help.

Federal Government Website
Australian Financial Review
ABC News
News.com.au

If you have any questions or concerns regarding any of the items contained in the budget please give your adviser a call to discuss.

Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

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This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. Please consult your adviser before making decisions using this information.

When Mark saw that to win the Birdman title was more about fundraising than actually ‘flying’ he knew he had a chance to pull it off. Mark & his Rotary Club of Frankston Sunrise set a target of $15k & ultimately raised $16k. Under the rules of the Birdman Rally each $500 raised earns you a point which is added to the distance you ‘fly’. Mark flew 7 meters but had 32 fundraising points. The total of 39 was enough to win.

Mark & his Rotary Club raised money to buy SkyHydrants (Mark is holding the one he had on his back when he jumped) which filters dirty water (like the Yarra) into clean drinkable water at 1000 litres an hour. Rotary Clubs purchase these Skyhydrants & send them to schools in 3rd World countries. The end result is that children attend school more often as they are not so regularly sick from their local water. As a consequence they get a better education & & hopefully a better life. $5k buys one SkyHydrant so $16k will buy 3. However, the really good news is that the City of Melbourne donated a further $10k for winning plus Mark has another $9k donated which wasn’t officially counted. This total of $35k will then be matched by a Rotary Global Grant to become $70k. 14 SkyHydrants now not 3.

Well done Mark!

Video courtesy of Channel Nine News

Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

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Welcome to the next in a series of videos featuring Integrity One staff members sharing stories of day to day experiences which may be of interest to you.

Today we hear from Tom Bailey & Matt Borg who are teaming up with Gino Nardella of ProAcct Integrated Financial Services & Amy Hawker of Surfcoast Podiatry for a big event being held at the end of March.

Click here to find out what they are up to.

Or

Click here to support the boys in their quest

To speak to Tom or Matt about this article or another Integrity One staff member regard this or any other financial financial planning or accounting matter please call on –

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

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This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. Please consult your adviser before making decisions using this information.

Following the lodgement of a home loan application, hopeful borrowers are often keen to know what will happen next and how long it will take for them to receive the verdict. The bad news is that there is no one-size-fits-all answer. The good news, however, is that a solid application is the key to keeping the approval time short.

The amount of time it takes for you to receive a response to your home loan application can vary. An answer is usually received between two days to two weeks, depending on a range of factors.

For a reasonably straightforward application, it’s around 48 hours to a final approval. But, depending on how complex the circumstances are, it can take longer than that.

Before offering conditional approval, your potential lender will need to make an assessment of your application and conduct a valuation of the property. Of course, having a valuation that is acceptable to the lender done in advance will expedite the process.

With valuations, the intention is to support an application rather than to make or break it.  There are a few things that can result in an application not being approved based on valuation, like zoning, property size, or if the condition of the property is poor enough that major repairs would be required before it could realise its market value.

The lender will also assess your capacity to repay the loan amount you have requested. This is where all of the information about your salary and liabilities come into consideration, and where accurate and complete information is essential.

The credit review by the lender can include a bit of to-and-fro between the customer, the broker and the lender due to the lender’s request for further information as that credit review takes place.

Your potential lender makes an overall judgement of you as a borrower and the complexity of your financial history will affect how long this takes.

It’s best to be full and frank in disclosure from a borrower’s perspective. The biggest red flag is non-disclosure of liabilities or adverse information on a credit history, whether it is included in documentation or not.

The complexity of the application process is a great reason why you would sit down with a reputable broker, as they can just explain all of that to you.

Following the submission of an application, you can expect your finance broker to be in touch with you to update you on progress, and to notify you of the outcome. If your application is approved, your broker will also advise you of when to expect a formal letter of approval from your lender.

Integrity One’s Mortgage & Finance Association of Australia accredited Finance Brokers Nic Berry and Tom Bailey are  happy to speak to you about how they can simplify the home loan application and approval process, and create the strongest application for you.

Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

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Nicholas Berry Credit Representative Number 472439 and Thomas Bailey Credit Representative Number 472440 are Credit Representatives of Integrity Finance (Aust) Pty Ltd – Australian Credit Licence 392184.

This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. These articles are not owned by Integrity One Planning Services. Please consult your adviser before making decisions using this information.