by admin | Oct 13, 2026 | BLOG
Interest rate rises and changing caps mean the refinance question looks different for NFP employees who package their living expenses. When an NFP refinance may be worth exploring You might consider a refinance if: Your interest rate is no longer competitive. Your...
by admin | Oct 9, 2026 | BLOG
Many NFP workers feel behind in the property game because base salaries can be lower than in the private sector. But with salary packaging, some NFP employees are actually in a stronger after-tax position than they realise. Turning salary packaging into deposit...
by admin | Oct 6, 2026 | BLOG
The way your income is packaged as an NFP employee can significantly change how much you may be able to borrow, positively or negatively, depending on how the lender treats it. How banks usually calculate borrowing capacity Most lenders look at: Gross taxable income....
by admin | Sep 28, 2026 | BLOG
Many NFP employees have heard that “you can pay your mortgage pre tax” but are not sure what that actually means or whether it applies to them. Used correctly and within the rules, salary packaging can be a powerful tool in your home loan strategy. Who can package...
by admin | Sep 25, 2026 | BLOG
If you work in the not for profit sector, your pay and benefits probably look very different to your friends in the private sector. Between salary packaging, FBT caps and multiple allowances, it is no surprise that many banks struggle to read an NFP payslip properly....
by admin | Sep 21, 2026 | BLOG
Are you struggling to keep up with monthly repayments and feeling the pressure of rising costs? If you live in Canberra and have a home loan, car loan, personal loan, credit cards and maybe store cards, you’re not alone. Many families and individuals find themselves...
