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It all starts with a goal, what's yours? Buy or build my first home and

Start kicking your financial goals today.

A few simple steps may be all it takes to begin ticking off items on your list of financial goals.

So, you have a key financial goal in mind?

That’s a strong starting point as you have a target to work towards. The next step is to develop a plan of action to achieve this goal.

Develop a savings/investment plan

Start by determining how much you need to set aside on a regular basis to achieve your target. For something like a holiday, this can be reasonably easy to work out. For bigger or long term goals like saving for a quality retirement, it helps to further refine your target, noting down the type of lifestyle you plan to lead, as this will give you a clearer picture to work towards.

No matter what your goal – whether it’s simple or complex, a financial adviser can help you refine what you’re aiming for, and help you develop a realistic savings or investment plan to reach your target.

Use debt to achieve goals

In some cases, borrowing money is the often a more realistic means of achieving a goal. This definitely applies if you are saving to buy a first home, or hoping to invest in a rental property. Using debt can also help you achieve other personal goals including buying a car, boat or other asset.

Your Mortgage Choice financial adviser can explain the impact of using debt on your financial wellbeing, and suggest a range of different options to borrow the funds you need.

Draw up a budget

Drawing up a household budget is a useful way to know how much you can afford to set aside regularly to achieve your goals. When it comes to longer term aspirations like growing a retirement nest egg, a range of strategies are available, and your financial adviser can discuss these with you.

If you are borrowing funds to finance your goals, a budget is an essential tool that can show whether your cash flow will comfortably handle the repayments over time. 

The main point is that having a goal to work towards is important. Developing a blueprint of action that will see you achieve this goal is just as critical, and your Mortgage Choice financial adviser can offer expert advice and strategies tailored to your needs to help turn your aspirations into reality.

How can an adviser help me?

Understand your goals

Meet with you to understand your financial objectives and work out how you can make your money work harder for you.

Develop a plan for you

Work with you to develop a step by step plan for your finances to help you reach your goals.

Find your local adviser

Find a financial adviser close to you

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What do I need to know?

Top tips for your life stage

This handy online tool offers you practical tips and financial planning ideas, based on your life stage and age group.

Get to know your budget

Download this budget planner which makes it easy to write out a spending plan, and look for areas where you can save.

Learn more

Find out about our cashflow coaching tool

We believe that every Australian has the right to home loan and financial advice they can trust and afford.

Our transparent and consistent pricing structure tells you exactly what you’ll get for your money so you are always in control. No hidden fees… no surprises!

How does a financial adviser get paid?


Whether you have a single need or want a full financial plan, we'll help you work out the advice you need now – and we'll be there to help as your goals change in the future.

It's relevant for everyone, no matter what's going on in your life or how much money you have.

Top tips for your life stage


Great advice is fantastic but only if it’s actually implemented – and then regularly reviewed so you can tick off those goals as you achieve them.

Not only will we keep you on track to achieve your goals, we’ll help protect what you’re building along the way.

What does a financial adviser do?


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