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Whether you need to renovate your home, plan for a holiday or wedding or need to consolidate your debts, a mortgage broker from Intellichoice can help you with a personal loan to make it happen.

A personal loan is essentially a lump sum of money that you borrow from a mortgage lender. Personal loans are generally meant for personal use only. That is, the money must be wholly or predominately for personal or domestic use. Personal loans cannot be taken out for business use, such as starting a business, stock for a business or to purchase a car for the business. If you do require a loan for your business or to purchase inventory, we have alternative business finance solutions to suit your needs.

Our wide range of personal loan products offer flexibility to help finance your personal needs, so whatever your requirements, speak to the mortgage brokers at Intellichoice on 1300 55 10 45 and let us help you find a personal loan to fit your needs.

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Written by Darin Hindmarsh

Wondering how to protect your Super?  Want to make sure it’s going to look after you when you retire?

Superannuation is one of the major retirement strategies for Australians.  The Australian government has structured it for the purpose of enabling Aussies to utilise a finance funding system that will provide them with income when they have finished their working years. When you retire, your superannuation may be your largest asset other than your home.

That’s why it’s important for you to make sure your existing super is protected and your future retirement income is maximized so that you can enjoy a comfortable retirement.

You may be wondering how your super works with your other financial assets, your estate and succession plans or even your insurance.  Intellichoice Financial Planning will provide you with a thorough understanding of how every aspect of your financial plan can complement the other.

Did you know there are substantial tax breaks with superannuation?  That’s right!  The Australian legislation has created some significant tax benefits for superannuation.

In the majority of cases you can choose how you would like your money invested by your super fund through the investment options.  Even if you don’t choose the options, your money is invested in a default investment option.  This method means that your money is going into a suite of assets.  Your investments are spread across a mix of higher and lower risk assets.

Without having the expertise of a financial planner, you run a high risk of ‘shoot and miss’ approaches without really knowing how to take advantages of the super strategies that will help you make the most money and protect what you have.  At Intellichoice, we take the blindfold off and empower you to see clearly what you need to do with your superannuation.

 A lot of people underestimate the amount of money they are going to need for retirement.  A financial planner will help you define your retirement goals and show you the steps to take in order to achieve them.

Intellichoice Financial Planning will determine what you lifestyles preferences are, how you want to spend your time, how soon you want to retire and what your goals are.  Through our experience we will help you develop a financial roadmap for reaching your goals.  With our finger on the industry pulse, we know how to provide the best financial planning advice for clients throughout Australia and within their individual circumstances.

Take advantage of the favourable tax benefits of superannuation.  The Australian government offers workers significant tax savings to encourage you to build your super assets.  With the mandatory obligation of employers to pay superannuation contributions on behalf of their employees, Australians are preparing for their future while they are still at work.  Ever wondered whether you should add money into your super but don’t know where to start?  Intellichoice Financial Planning will provide you with everything you need to make a smart decision.

Why not save money today?  All it takes is some simple financial planning advice.  Don’t wait until it’s too late!  Take the steps to ensure your super is going to work for you. 

Have a look at our Financial Planning Care packages and find out how we can provide suite of expertise at the level you can afford.