Articles & Insights

How can I buy a residential investment property in Logan with an SMSF?

Are you a Logan or Gold Coast resident considering using your SMSF to buy a residential property? Find out the strict rules you must follow, from the 'Sole Purpose Test' to understanding a Limited Recourse Borrowing Arrangement (LRBA), to make sure your retirement investment is compliant and successful.

What are the responsibilities and risks of being an SMSF trustee?

Are you ready to take control of your retirement but worried about the risks of a Self-Managed Super Fund? Find out why the ATO has strict rules for trustees and what could happen if you get it wrong.

What is a Limited Recourse Borrowing Arrangement (LRBA) for an SMSF?

Thinking of using your Self-Managed Super Fund (SMSF) to buy an investment property? You've likely heard of a Limited Recourse Borrowing Arrangement (LRBA). But what is it, and is it a safe way to leverage your super for property investment in Logan, Beenleigh, or on the Gold Coast? This guide breaks down the complex rules of LRBAs so you can understand the risks and rewards before you make a move.

Benefits of a Corporate Trustee for an SMSF: An Overview

Thinking of starting a Self-Managed Superannuation Fund (SMSF) in Australia? The first big choice is your trustee structure. While an individual trustee setup may seem simpler, could a corporate trustee actually save you from future headaches and protect your assets? Discover the surprising benefits of choosing a corporate trustee for your SMSF, and why it's the smarter long-term choice for Australians building their wealth.

Are there any special considerations for buying property with an SMSF in the Logan region?

Are you a Logan investor or business owner considering how to leverage your super for a strategic property purchase? This article goes beyond the general rules of SMSF property investment and explores the unique benefits and opportunities right here in the Logan region. From affordable residential properties to buying your own commercial premises, discover how to make your super work for you.

Buying a Logan Investment Property with Your Self-Managed Super Fund (SMSF)

Are you a Logan, Beenleigh, or Gold Coast investor wondering how to get your superannuation working harder for your retirement? Discover how a Self-Managed Super Fund (SMSF) could be the key to unlocking a property investment. This guide breaks down the complex rules and shows you how to leverage your super for long-term wealth—without the guesswork.

Understanding Australian SMSF Rules and Regulations in 2025: A Guide for Logan and Gold Coast Investors

Considering a Self-Managed Super Fund (SMSF) for your property or business in Logan or the Gold Coast? The rules are changing in 2025, and staying compliant is more critical than ever. Discover the key updates, including new contribution caps and the "sole purpose test," to safeguard your investment and avoid costly penalties.

An Australian Guide to Self-Managed Super Funds (SMSFs)

Are you a first home buyer, investor, or self-employed in Queensland, dreaming of taking control of your financial future? Discover if a Self-Managed Super Fund (SMSF) is the smart move to help you grow your retirement savings and secure your financial future through property investment.

How to use an SMSF to buy property in Logan and the Gold Coast.

Dreaming of using your super to buy an investment property? Whether you're eyeing the bustling Gold Coast or the high-yield Logan market, this strategy could supercharge your retirement. But before you jump in, do you know the crucial rules you can't afford to break? This guide breaks down everything from the "sole purpose test" to the legal must-haves, so you can make a smart, compliant investment decision for your financial future.

Navigating Finance Options for Your New Coffee Roasting Business

Ready to launch your coffee roasting business but don't know where to find the money? Discover the different finance options available for new businesses, from Logan to the Gold Coast, so you can stop worrying about funding and start perfecting your blend.

What are the finance options for new businesses needing IT equipment?

Just launched a new business in Logan, Beenleigh, or the Gold Coast? Need to get set up with essential IT equipment but not sure how to pay for it? This article demystifies the finance options available to new businesses, from popular asset finance like Chattel Mortgages to flexible unsecured loans. We'll help you understand the pros and cons of each, so you can make a smart financial decision and get your business off to a flying start.

How can machinery operators get finance for trucks and heavy equipment?

Are you a machinery operator or transport business owner in Logan, Beenleigh, or the Gold Coast needing new equipment? Don't get bogged down in finance jargon. This article cuts through the complexity, comparing the most popular finance options like Chattel Mortgages and Commercial Hire Purchases, and introduces "Low Doc" loans designed specifically for self-employed professionals. Find out what lenders look for and how a local broker can help you get the gear you need to grow your business.

What is a Chattel Mortgage and is it Right for Your Logan Trade Business?

Are you a tradie in Logan or Beenleigh looking to upgrade your work vehicle or equipment? Worried about how a big purchase will affect your cash flow? This article explains what a Chattel Mortgage is and its key benefits for your business, including immediate ownership and potential tax deductions. Discover how this popular business loan can help you grow your business and keep your cash flow healthy.

What is a Chattel Mortgage and is it Right for Your Gold Coast Trade Business?

Got a Gold Coast trade business? Thinking about a new ute or machinery but worried about cash flow? Discover how a Chattel Mortgage could be the perfect solution for your business. This article breaks down what this popular finance option is, how it works, and the powerful tax benefits that could save you money. Stop letting cash flow hold you back and find out if a Chattel Mortgage is right for you.

Understanding Equipment Finance in Logan, Beenleigh, and the Gold Coast

Are you a tradie in Logan, a cafe owner in Beenleigh, or a small business on the Gold Coast needing new equipment? Don't let a lack of cash flow hold your business back. Learn how equipment finance can get you the tools you need today, without draining your working capital.

Understanding the Logan Plan: A Guide for Homeowners and Investors

Are you a Logan resident, homeowner, or property investor? Do you know how the new Logan Plan could impact your property's value, zoning, or future development potential? The Logan City Council's new draft planning scheme is a blueprint for the region's growth over the next two decades, and it's open for public feedback now. Learn how to get involved and ensure your financial future is protected.

What are the long-term financial implications of investing in Logan's rapidly growing property market?

Positioned between Brisbane and the Gold Coast, Logan is quickly becoming a top location for savvy property investors. But what makes it so attractive? This article explores Logan’s long-term financial potential, from strong capital growth driven by major infrastructure projects to competitive rental yields and crucial tax benefits. Learn how to navigate this booming market and build a sustainable property portfolio for the future.

Tax-Effective Investment Strategies for High-Income Earners in the Logan Area

Are you a high-income earner in the Logan area burdened by a hefty tax bill? Discover the tax-effective investment strategies that can help you legally reduce your taxable income and accelerate your wealth creation, all while building a strong financial future in your community.

Overcoming Mortgage Stress and Building Wealth in the Scenic Rim

Feeling the squeeze from your mortgage in the Scenic Rim? You're not alone. Our latest article reveals the common signs of mortgage stress and provides practical, actionable strategies to help you get back on track. Discover how simple steps like budgeting and exploring government support can provide immediate relief, and learn how professional guidance can help you refinance for a better deal. Don't let mortgage stress hold you back from enjoying life in our beautiful community. Read on to start your journey towards financial freedom.

What are the best investment strategies for families in Logan?

Are you a family in Logan looking to secure your financial future? With rising costs, building a stable foundation can seem daunting. But what if the key to long-term family wealth is right here in our community? Discover smart, strategic investment options—from leveraging the local property market to optimising your superannuation—that can help you grow your family’s wealth for generations to come.

Your Guide to Building Long-Term Wealth: A Young Professional's Roadmap

Are you a young professional in Logan, Beenleigh, or the Gold Coast feeling overwhelmed by rising costs and property prices? You're not alone. What if we told you the key to building long-term wealth isn't just about earning more, but about making your money work for you, right here in your own community? Find out how you can start today and set yourself up for financial freedom for years to come.

Financial Planning for Your Aged Parents in Logan Reserve, QLD

Is navigating the costs of aged care in Logan Reserve, QLD causing stress for your family? Discover how a proactive financial plan can help you understand government support, manage debt, and protect your parents' assets, ensuring their dignity and security as they age.

How to Buy Out Your Ex-Partner's Share of a Property in Logan?

Separation can be overwhelming, but for many in Logan, keeping the family home is a priority. Have you ever wondered if you can afford to buy out your ex-partner on a single income? This article demystifies the Spousal Buyout process, from valuing your property to securing a new home loan, and reveals how a local finance broker can help you navigate this complex journey and find a solution that offers stability for your family.

More Than a Hero: A Logan Dad's Guide to Financial Security for His Family

Dad's, are you worried about the mortgage, rising costs, or what would happen to your family if you couldn't work? This Father's Day, give your family the ultimate gift: peace of mind. We'll show you how to tackle debt, protect your loved ones with insurance, and build a secure financial future, with tailored advice for dads in Logan Reserve and across the Gold Coast.

How can a single parent in Logan plan for the future?

As a single parent in Logan or on the Gold Coast, building financial security can feel like a mountain. But what if there was a way to make homeownership a reality with as little as a 2% deposit? This article reveals the powerful strategies—from mastering your budget to leveraging government initiatives like the Family Home Guarantee—that can help you create a stable and prosperous future for your family.

How to Combine Finances with Your Partner After You Get Married

Just married? Congratulations! Now comes the next exciting step: combining your financial lives. But where do you even start? Do you get a joint bank account, keep things separate, or try a bit of both? This article explores the three main ways couples in Logan, Beenleigh, and on the Gold Coast are managing their money and how getting on the same page now can set you up for success when you're ready to buy your first home together.

What If My Partner Won't Agree to a Spousal Buyout?

Separating from a partner can be tough, especially when you're trying to buy them out of a shared property in Logan, Beenleigh, or on the Gold Coast, and they won't agree. Have you wondered what your legal options are when direct negotiation fails? From mediation to a court-ordered sale, this article breaks down your pathways and explains how a local finance broker can help you secure the necessary home loan to make it happen, turning a difficult situation into a new beginning.

The Best Ways to Save for Your Wedding in Australia

I Do, I Save: Your Guide to a Debt-Free Wedding in Australia The average Australian wedding can be a significant financial undertaking, but it doesn't have to be a source of stress. This guide provides actionable, strategic tips for saving for your dream day, from setting a realistic budget and choosing the right high-interest savings account to embracing a savvy money-saving mindset. Learn how to work as a team with your partner to achieve your financial goals and start your married life on a solid financial footing.

How much does a wedding cost in Logan, QLD?

Your Logan Wedding, Your Budget: A Practical Guide to Costs Planning a wedding in Logan or the Gold Coast? Don't get caught off guard by the costs. While the national average can seem overwhelming, this article provides a realistic breakdown of typical wedding expenses in our region. From venue and catering to photography and flowers, we help you understand where your money will go, so you can set a sensible budget and celebrate your big day without the stress.

How to manage debt after a relationship ends?

Beyond the Breakup: Taking Control of Your Debt in Australia The end of a relationship is a major life event, and it often brings a confusing web of shared debts. This article offers a clear, step-by-step guide to navigating your finances after a separation in Australia. Learn how to take stock of what you owe, legally separate your financial ties, and explore refinancing and debt consolidation options to build a secure, independent future.

Can I Get a Home Loan After Separation in Australia?

Your Fresh Start: Getting a Home Loan After Separation Separating from a partner brings major life changes, and securing your own home is often a top priority. While the thought of getting a new home loan on a single income can be daunting, it's a very achievable goal. This guide explains how lenders assess your individual financial situation and outlines your key options—from refinancing to buy out your ex-partner to purchasing a brand-new property. We're here to help you understand the process and build a clear path toward a secure future in Logan, Beenleigh, or the Gold Coast.

How do I buy out my ex-partner's share of our home?

Navigating Your Separation: A Guide to Keeping Your Home in Logan and the Gold Coast Going through a separation is tough, but deciding what to do with your home doesn’t have to be. If you're in Logan, Beenleigh, or on the Gold Coast and want to stay in your home, this guide walks you through the process of buying out your ex-partner's share. From understanding property valuation to securing a new mortgage and navigating costs, we simplify the complex steps so you can focus on your future.

First Home Buyer Loans for Single Women in South East & South West Queensland

Can refinancing help me consolidate my high-interest debts in the Logan area?

Refinancing your home loan is a popular and effective way to consolidate high-interest debts. By rolling multiple debts like credit cards or personal loans into your mortgage, you can reduce your total monthly repayments and potentially lower the overall interest paid.At Ferns Finance Brokers, we understand the specific financial needs of the Logan community and can help you navigate this process with confidence.

Refinancing for a Renovation: The Queensland Homeowner's Guide

Many homeowners in Queensland are looking for ways to improve their properties, whether it's to create more space for a growing family or add value before selling. One of the most common ways to pay for a renovation is by refinancing your home loan. But what are the benefits, and is it the right choice for you?

Unlock Your Wealth: Using Home Equity to Invest in Property

Using Your Home Equity to Invest in Property

You can use the equity in your home to invest in another property by either taking out a new loan against your existing property or by refinancing your current mortgage to release a lump sum. This process allows you to access the accumulated value of your home without selling it, providing the capital needed for a new investment.

How to buy your first home

Struggling to save for a home deposit in a market where prices seem to rise faster than your savings? This article provides a comprehensive guide to buying your first home, revealing how strategies like leveraging a guarantor loan, utilising government schemes, or even paying Lenders Mortgage Insurance (LMI) can help you get on the property ladder sooner than you might think.

Australian properties see record profits in 2024

Did you sell a house in the last financial year? You were likely part of the 96% of Australians who turned a profit, with the median gain hitting a remarkable $326,000. This article dives into the latest data, revealing the top-performing capital cities, and why getting into the property market continues to be a powerful wealth-building strategy.

How to protect your home from bushfires, flood and storms

With bushfire, flood, and storm season upon us, is your home truly ready? This article provides a quick guide to preparing your property with measures that can be taken right now, from creating a buffer zone for fires to securing outdoor structures, and offers long-term solutions to protect your biggest asset.

How the property market looks as we head into 2025

Heading into 2025, the Australian property market is not a single entity—it's a "two-speed" market, with some cities seeing impressive growth while others are slowing down. This article breaks down the key trends, revealing which markets are hot and which are not, and why factors like interstate migration, housing supply, and even state taxes are creating vastly different outcomes across the country.

Your money new year resolution hit list

Ready to make 2025 your best financial year yet? Whether you're a first-time buyer, a homeowner with an existing mortgage, or a business owner, this article provides a "hit list" of practical steps to boost your finances. From slashing expenses and improving your credit score to refinancing for a better rate and securing business finance, find out how to set yourself up for success in the new year.

Government to launch new Help to Buy scheme

Struggling to save for a home deposit? The Federal Government’s new Help to Buy scheme is finally here, and it could be your ticket to homeownership with just a 2% deposit and no Lenders Mortgage Insurance. Find out how this shared equity program works and if you could be one of the 40,000 Australians it aims to assist.

How to buy a property through an SMSF

Many Australians have used funds that are ‘stuck’ in superannuation to purchase investment properties as a way to grow their retirement wealth.

Four different ways to finance a car purchase

Ready for a new car but unsure how to finance it without overpaying? Beyond just picking a vehicle, your loan choice—whether it's secured or unsecured, includes a balloon payment, or even leverages a novated lease—can significantly impact your budget and long-term costs. Discover the ins and outs of each option to drive away with the smartest financial deal.

The pros and cons of paying for LMI

Lenders Mortgage Insurance (LMI) often gets a bad rap, seen as an extra cost when buying property. But what if paying LMI could actually get you into your dream home years sooner and even be a smart financial move in the long run? This article explores the hidden benefits of LMI, even with its significant upfront cost.

February cash rate cut: What it means for you

Good news for many Australian households! The Reserve Bank of Australia has just cut the cash rate for the first time since 2020, dropping it to 4.10%. What does this mean for your budget? This significant move could lead to lower home loan repayments and increase your borrowing power, potentially saving you thousands each year.

The impact of natural disasters on property prices

North Queensland is facing floods, but how do natural disasters really impact property values in the long run? You might be surprised to learn that while initial price drops are common, most markets tend to recover within 12-24 months. Discover what factors truly drive this resilience, from insurance coverage to location desirability, and why some "risky" properties still command premium prices.

Rental growth slows as affordability is stretched

Australian rents soared again in 2024, with the national median climbing 4.8% and some capitals seeing over 8% growth. But despite these increases, the heat is coming out of the market. Why? This article reveals how "affordability has become a significant drag," pushing renters to their limits and changing household dynamics.

How to upgrade to a new, improved car loan

Did you know you could be paying too much for your car loan? Just like a home loan, you can refinance your car loan to potentially slash your monthly repayments, access better features, or even consolidate other debts. Find out how this smart financial move could save you money and simplify your finances.

Claiming the instant asset write-off for your business

Looking to cut your business's tax bill and boost cash flow? The Australian Taxation Office's Instant Asset Write-Off scheme could be your answer!

How to refinance your home loan

With recent interest rate changes, are you wondering if you could be saving thousands on your mortgage? Discover the eight key steps to refinancing your home loan, from understanding your goals to settling on a new, better deal, and learn how this process can unlock significant savings or even help you access equity.

What the federal budget means for buying property

Australia's latest Federal Budget just dropped, and it's set to impact your hip pocket and property aspirations! From expanded Help to Buy scheme access and new infrastructure spending to direct tax cuts and electricity bill relief, discover the key takeaways designed to ease the cost of living and reshape the housing market.

More consumers buying EVs as tighter efficiency standards kick in

Thinking about a new car in Australia? As of January 1, 2025, the New Vehicle Efficiency Standard (NVES) is shaking up the market, pushing car companies to supply more fuel-efficient and electric vehicles. While it promises lower running costs and reduced emissions, the industry is seeing mixed results. But beyond the NVES, did you know you could also qualify for a significant tax break on electric vehicles if you acquire one through a novated lease?

Help to Buy scheme and changes to how lenders consider student debt

Struggling to get into the property market as a lower or middle-income earner, or worried your student loan is holding you back? Big changes are coming! The federal government's expanded Help to Buy scheme could let you purchase a home with just a 2% deposit, and new ASIC guidance means your student debt might no longer be the barrier it once was for mortgage approval.

Home loan redraw facilities explained

Did you know you could access those extra home loan repayments you've been making, essentially giving yourself a flexible financial safety net? Discover how a redraw facility works, how it differs from an offset account, and whether it's the right feature to help you manage your mortgage and unexpected expenses.

What are low-doc loans and who are they for?

Self-employed and struggling to get a home loan due to a lack of traditional payslips and tax returns? Low-doc loans might be your solution! Discover how these specialized loans allow you to prove your income differently, but be aware of the higher deposit and potential interest rates.

How to use equity to purchase property

Did you know your home could be the key to unlocking your next property investment, without needing a cash deposit? Discover how leveraging your home equity can open doors to wealth building, but also learn the crucial risks and considerations before you dive in.

6 ways to fund your wedding

Planning an Australian wedding? With the average cost hitting $36,000, chances are you'll need more than just savings. Discover six popular ways couples are funding their big day, from personal loans to leveraging home equity, and learn the pros and cons of each to ensure a financially stress-free start to married life.

How much do you need for a home deposit?

Think you need a massive 20% deposit to buy a home in Australia? You might be surprised! While it's the standard, discover how you could get into the market with as little as a 5% deposit, and what other crucial costs you need to budget for beyond just the deposit.

What are deposit bonds and how do they work?

Planning to buy a property but don't have the 10% cash deposit ready to go? Discover how a deposit bond can be your secret weapon, allowing you to secure your dream home without tying up your funds upfront.

Quick guide to green loans

Did you know you could get a loan with lower interest rates to make your home more eco-friendly? Discover how "green loans" are helping Australian homeowners and investors fund everything from solar panels to energy-efficient appliances, potentially saving you money and boosting your property's value.

Understanding conditional loan approval

Dreaming of buying a property but worried about getting your offer accepted in a hot market? Discover how conditional approval can give you the edge, showing sellers you're a serious buyer and giving you a clear idea of your borrowing power before you even find your dream home.

How property markets are performing throughout Australia

Australia's Property Market in 2025: A Landscape of Steady Growth and Shifting Dynamics Are you tracking the latest movements in the Australian property market? Dwelling prices are on a steady upward trend across most capital cities, with national median prices rising 0.5% in May and 1.7% over the first five months of 2025. While this broad-based growth is promising, some cities are clearly outpacing others. Read on to discover which markets are leading the charge, the key factors driving these price increases, and how the gap in growth rates between capital cities is narrowing, signalling a more synchronised market nationwide.

Top tax tips for property investors

Navigating Property Investment Tax in Australia: Don't Miss These Crucial ATO Tips! As the 2024-25 financial year draws to a close, are you confident you're maximising your property investment tax entitlements and avoiding common pitfalls? The Australian Taxation Office (ATO) has released essential guidelines to help property investors just like you navigate the complexities of tax time. Discover what you can and can't claim, how to handle capital improvements, and the vital importance of meticulous record-keeping to ensure a smooth tax return.

New buy-now-pay-later laws could impact your credit score

Think your "Buy Now, Pay Later" accounts don't impact your financial future? Think again. With new regulations in Australia, your BNPL activity is now under the same scrutiny as credit cards and personal loans, potentially affecting your credit score and future borrowing power.

Almost 95% of property resales delivering a profit

Did you know nearly 95% of Australian property resales turned a profit last quarter, with a median gain of over $300,000? This article dives into the latest trends from the Cotality Pain & Gain Report, revealing which areas and property types are seeing the biggest boosts, and what it could mean for your equity.

Mortgage Refinancing Options

A guide to mortgage refinancing options, including benefits and considerations for homeowners.

Business Lending Options

A guide to various business lending options available for entrepreneurs, including traditional and SBA loans.

Understanding Mortgage Options

A comprehensive guide to understanding different mortgage options, including fixed-rate and adjustable-rate mortgages.