About Us
Keith L. Ng
Our team are here to help you, whatever your needs may be. Select from one of our services below to learn more.
- Budgeting and Planning Tips
- Buying Your Frist Home
- Investing In Property
- Personal Loans
- Pre-Approval
- Refinancing Your Loan
As an independent financial services firm, we can access many different products so you can get the right products and services for you.
BUDGETING & PLANNING TIPS
As the cost of living increases, young Australian’s are starting to budget and plan much earlier on in their lives. But as easy as it sounds, budgeting is not as straightforward as most people think. If you’re having trouble budgeting, here are a few easy hints and tips to follow;
Take control of your spending
Firstly, you’ll need to set up a budget plan. Your budget needs to work best for you, so this means working with real numbers! Start by working out your income and main expenses, figuring out what you have left when all bills are paid. Once you’ve worked out your net income, you’ll be able to determine what you can do to make that figure a little higher. You might be paying for something you don’t use – that gym membership you got as a part of your new year’s resolution perhaps…?
Stay on top of your bills
A new pair of shoes or suit isn’t worth getting behind on your bills for! Be smart with your money, make sure all your bills are up to date before making your next luxury purchase. Setting up automatic monthly payments for your phone bill, credit card bill or any other out-going bills will help you in the future! You don’t want to accompany a bad credit rating. A bad credit history can have serious consequences for your financial future.
Put money towards your future
Whether you’re saving for your next European holiday, brand new car, first home or investment property it’s better to have some savings, then no savings at all. The more you save now, the less you’ll need to cut back or borrow when it comes to purchasing.
Looking for more advice on budgeting and planning?
Contact a Keith Laurence Financial Services today or fill out the enquiry form and a member of our team will be in contact.
INVESTING IN PROPERTY
Investing in property isn’t just for the mega-rich. Everyday Australians have started taking the first steps towards growing their long-term wealth.
Here’s how you can do the same;
Play it smart
Ensure that you’ve thoroughly researched the areas in which you’re looking to buy into. Investing in real estate is usually all about equity growth, so choosing a location and property that is more likely to increase in value is the most important decision you will make, and buying at the right price is critical.
Use your existing equity
Buying a second property can be a great opportunity to expand your property portfolio and when used properly the equity that you hold in your first property can secure the finance needed to achieve your property investment goals.
Whilst overseas investors are appearing frequently in the market place, traditional investors are still those who have existing property. In most cases, this means investors can leverage the existing equity in their current home to raise the capital necessary for an investment property.
If you’re interested in property investment and growing your long-term wealth, then call Keith Laurence Financial Services. Our specialists will guide you through the entire process, find you the ideal loan for your situation and help you build your wealth faster.
REFINANCING YOUR LOAN
If you’ve had your current home loan for a few years, it may be time to look at your options.
There’s a number of reasons why you may want to refinance your home loan:
- You may be looking for a better interest rate
- You may be looking to use the equity in your home to renovate
- Your living situation may have changed – additional family members, relationship status change or you may have had family members leave the nest.
- You may be looking for new features and add-ons such as flexible repayments.
Whether your situation has changed since getting your first loan or not, our specialists are here to help. With access to over 40 lenders, we can help you find the ideal loan for your current situation and guide you through the entire process.
BUYING YOUR FIRST HOME
In the market for your first home? Don’t know what steps to take to secure your first home? Keith Laurence Financial Services will guide you through the steps and assist you in reaching your goal.
Below are a few key pieces of advice to help you get on your way to buying your first home;
Don’t be blindsided
The most common thing we see with first home buyers is unexpected and overlooked expenses. Make sure you add in the cost of extra fees to your budget. Extra fee’s may include strata fees, stamp duty, pest and land inspections, legal fees and hidden loan fees.
Budgeting won’t stop after you’ve purchased your first home. Remember that on top of the repayments, when you buy a home you will also have ongoing costs like land and water rates, home and contents insurance, renovations and furniture, and repairs to put in your budget.
Don’t hurt your future!
Many first home buyers find the process of buying a home stressful and often turn to bigger lenders for a loan, however it’s not always the right option.
This is where Keith Laurence Financial Services can help you. With access to hundreds of loans from over 40 lenders, we have the ability to choose the right home loan option that suits you.
Our specialists will guide you through the steps of choosing the right home loan, to applying and getting approved, making the process of buying your first home less stressful.
If you have any more questions about finding the right home loan or getting approved, then contact our team today.