July 2011 Newsletter

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Hello,

With cost of living pressures and the carbon tax the hot topics of recent months, our first newsletter of the financial year is all about helping you save money!

To help you do just that, we have arranged some very special offers for you -

* FINANCIAL PLANNING, INSURANCE, CONVEYANCING

Exclusive to MOR MORTGAGE OPTIONS clients, one of Australias leading independent owned financial advisory firms is offering -
- A free Estate Planning health check
- Discounted fee-for-service financial advice
- Free personal insurance advice (valued at $550) and
- Discounted conveyancing services

* PROPERTY MANAGEMENT

Canberras newest and most innovative Property Management Agency, The Landlords Club, is excited to offer the following -

For new members, The Landlords Club is offering 3 months FREE property management with a UNIQUE 'Service Guarantee. *

*The Landlords Club is so confident in their level of service and expertise, that if for any reason you are not happy with the service provided, they will not only facilitate the smooth transition of your properties to a new agency, but will also cover the cost of your new agencys management fees for 3 months.

Please note this is not to be used in conjunction with any other offer.

Thats extremely powerful. If you have investment property here in the ACT, or know of anyone with investment property, I dont think you will find a better offer than this one.

If you would like any more information about the terrific OFFERS above, please email Kathryn@mmo.com.au.

If youre looking to conserve even more of your hard earned dollars, our articles this month bring you other tips and strategies for saving, lowering your home loan and doing your part for the environment (and in the process lowering your energy bills).

P.S I have seen some interesting figures recently which I thought I should share with you. Over the last 10 years, capital city property values have increased at an average annual rate of 7.4%p.a whereas over the last 5 years, weve witnessed more subdued growth conditions of 5.6%.p.a. Apart from a period of exceptional growth between 2002 and 2004, the Canberra market performance has closely mirrored the combined capital city performance. With current sales volumes 15% above the five year averages, it would perhaps indicate that a slowing of sales activity may occur in the near future. Something to watch for....

We hope you enjoy this newsletter. Please feel free to pass it on to family and friends.

Til next time,
Michael

Michael O'Reilly

B. Rur. Sc Dip Fin.Services

PO Box 236
MAWSON ACT 2607

Tel:	02 62 866 501
Fax:	02 62 866 509

Flat market favours Buyers

7 Ways to pay down your Home Loan sooner

Beat the Cost of Living

Living Green

Flat market favours Buyers

You've probably heard the reports about the Australian property market being 'flat'. What does it mean to have a flat market and what are the implications for you as a buyer or seller?

'Flat' is a stage in the housing market where little or no growth occurs and there is slightly more supply than demand. Buyers tend to be cautious and sellers tend to hold on to unrealistic price expectations.

7 Ways to pay down your Home Loan sooner

You don't need to win the lottery to pay off your home loan. There are a number of great strategies for reducing your loan balance and saving thousands in interest repayments. It's never too late to begin, so pick and choose which of the following work for you.

Beat the Cost of Living

How to cope with the rising cost of electricity, fuel and groceries? If asking for a pay rise is out of the question, let's look at what else you can do to survive the escalating cost of living.

Living Green

Lower your energy bills and reduce your carbon footprint by making some green improvements around your home.

How much or how little you do is up to you but every improvement benefits your family, your hip pocket and the environment.

Our Partners

MO'R MORTGAGE OPTIONS was admitted in mid 2002 as a full member of the Mortgage & Finance Association of Australia, the peak industry body.

All members are bound by a strict code of ethics to ensure the highest levels of service, integrity and professionalism.

About Us

MO'R MORTGAGE OPTIONS - 2009 REIACT Mortgage Provider of the Year.

Michael has worked in the "people industry" as he calls it, i.e. Finance, Real Estate, Building & Construction for over 26 years. He established MO'R MORTGAGE OPTIONS in 2000 after realising that by assisting people to structure their loans correctly he could help others improve their financial health.

"There is no greater job satisfaction available than to know you can do something tangible to improve another human being's life."
... Michael

Disclaimer: This newsletter is intended to provide general news and information only. Readers should rely on their own enquiries before making any decisions regarding their own interests. Please do not rely on any part of this newsletter as a substitute for specific legal or financial advice. All material is copyright 2011.