Fern Financial

10 years. Wow. 🎉

Last month we celebrated 10 years of FERN Financial!

To every client who placed their trust in me, every business partner who believed in what I was building, and every friend and family member who cheered me on (and put up with me!) — thank you.

Here's to what's next! 🥂

As of 1 July, the compulsory super contribution has increased to 12%. That means more money heading into your retirement fund, great news for future you.

But with this change, there are a few things to keep an eye on:

Is your salary package inclusive or exclusive of super?

If it’s inclusive, you might notice a slight dip in your take-home pay.

Are you salary sacrificing into super?

This increase could push you closer to the concessional contributions cap meaning now’s a good time to review and adjust if needed.

If your payslip looks a little different this month, this might be why!

When it comes to home loan features we’re spoiled for choice. Even basic loans can come with a fisherman’s basket full of options. But one feature in particular is being targeted by seven out of 10 home buyers. 🎣

The home loan feature 70% of new borrowers are hooked on — Fern Financial When it comes to home loan features we’re spoiled for choice. Even basic loans can come with a fisherman’s basket full of options. But one feature in particular is being targeted by seven out of 10 home buyers.

Want to grow your investment portfolio but have most of your wealth tied up in your family home? You may be able to leverage recent gains in the property market as equity for an investment property. Let’s take a look. 👀

How to buy an investment property using your home’s equity — Fern Financial Want to grow your investment portfolio but have most of your wealth tied up in your family home? You may be able to leverage recent gains in the property market as equity for an investment property. Let’s take a look.