
Articles, Stories, Tips & Resources
FOMO factor: more Aussies looking to buy with mates or siblings
Ever thought about buying a property with a friend or family member? You’re not the only one. The rising cost of property and FOMO has led to more than a quarter of Australians considering buying a property with a ‘non-traditional’ partner.
Are your cashflow needs in order ahead of the summer trading season?
The summer trading season poses a raft of tricky cashflow and stocking challenges for retailers at the best of times, let alone following a global pandemic slowdown. But if done well it can set your business up nicely for the good times ahead.
How well has your salary kept up with house prices?
You’ve probably noticed that house prices in Australia consistently outstrip growth in wages. But by how much? And what can you do to make sure you’re not forever chasing the great Australian dream?
6 Misconceptions About Buying Your First Home
With all the information available to first home buyers, there are also quite a lot of misconceptions around purchasing your first home! We’ve put together the top 6 (and the truths behind them) to put your mind at ease.
Think property prices will dip when rates rise? Don’t bet the house on it
Whether you’re looking to buy, sell or hold, there’s a good chance you’ve wondered whether the property market will tumble when interest rates rise, right? Today we’ll look at what happened to house prices when interest rates were hiked in the past.
How to protect your business and your customers from scams
When you pay a supplier or service provider, are you certain you’re paying the right account? You’ve got to be super careful these days, as scammers are compromising inboxes and requesting payments to a new account. Here’s how to protect your business and its customers.
Open banking is ramping up, so how are lenders using your data?
Open banking is here and it’s charging full steam ahead. So just how are lenders and fintechs using your shared data in this brave, new, data-fuelled world? A new report has shed some interesting insights.
Want to Use Your Credit Card Effectively? Here’s How!
Deciding to get a credit card - or even learning how to use your existing cards effectively - can seem like a daunting task. With the amount of information available out there, it’s easy to get lost in the jargon!
Wheels in motion: RBA paves the way for early cash rate rise
Mortgage holders are facing a sooner-than-expected cash rate rise after the Reserve Bank of Australia (RBA) revised its outlook due to the economy bouncing back strongly from the Delta outbreak. So just how soon can we expect a rate rise?
6 Ways to Optimise Your Chances of Home Loan Approval
Getting approval for a home loan can be stressful.
Luckily, the team at ZENRG Finance are there to help you with your journey. We’ve put together a list of key things you can do to increase your chances of getting your home loan approved!
Netflix and too chill: house hunters cutting corners on inspections
More than half of Australian house hunters spend the same amount of time inspecting a property as they do watching an episode on Netflix, according to new research.
Are you relying on a personal credit card for business expenses?
We’ve all been guilty of the odd credit card mix-up from time to time – it happens! But if you’re consistently relying on a personal credit card to pay your business expenses – like 4-in-10 SME owners – then it’s probably time to explore other funding options.
Seismic shift: two major banks hike fixed interest rates
Are the days of ultra-low fixed interest rates over? It’s looking increasingly so, with two major banks increasing their fixed rates this week. So if you’ve been thinking about fixing your mortgage lately, it could be time to consider doing so.
How 1-in-10 first home buyers cracked the market 4 years sooner
Almost 33,000 Australians bought their first home four years sooner thanks to two federal government schemes that give first home buyers a leg up into the property market. Could you, or someone you know, be eligible?
SME lending options are on the rise, but how do you access them?
While many SME owners worry about their access to finance, a surge of new lenders and products is rapidly expanding the options available. And brokers have an important role to play for businesses, says the Productivity Commission.
Bar raised for borrowers: tougher home loan serviceability tests
Some borrowers will soon find it harder to get a mortgage after the banking regulator announced tougher serviceability tests for home loans. So who will they impact most?
Is a home loan lending crackdown on the horizon?
The federal treasurer has given the strongest indication yet that a home loan crackdown is coming, stating that “carefully targeted and timely adjustments” may be necessary to avoid troubled waters. So what could a potential lending crackdown look like?
Only half of SMEs have recently been able to secure full funding: report
Almost one-in-two SMEs have applied for new funding in the last six months, a new report has found, and of those SMEs only half were successful in obtaining the full amount they were seeking.
Top 5 property investor trends for 2021-22
With house prices going gangbusters in the first half of 2021, is it still a good time to buy property? The majority of investors think so, according to the latest annual survey. And investors have their sights set on one city in particular.
Loans, Deferment and Options During COVID
COVID has placed unprecedented pressure on Australian families. What are your options for saving money during the current crisis?