Mortgage Matters | Issue 3 - April 2016
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 Mortgage Matters | Issue 3 - April 2016

Welcome to Autumn <<First Name>>! Now that the cooler weather has arrived it’s a great time to get stuck into home improvements and maintenance before winter is officially upon us. In this issue of Mortgage Matters we share “6 Tips for Autumn Home Improvements” and getting your property in tip top shape!

Also in this issue, “5 Questions First Home Buyers Should Ask Themselves”, a useful guide to help you decide if you’re ready.

5 Star Finance staff attended the 2016 Better Business Summit at Crown Entertainment Complex earlier this year and discovered the three most googled questions about Mortgage Brokers. We answer these questions for you below.

Finally in this issue we introduce you to 5 Star Finance client Zeljka Vladic of Zeljka Vladic Photography. Zeljka talks to us about her passion for photography and the importance of using professional photography to sell. Have you got a business you’d like us to share? Email Ivana to see how we can include you in the next issue of Mortgage Matters.
We hope you enjoy this issue of Mortgage Matters! If you have any feedback, feel free to leave your comments here. We’re always listening.

6 Tips for Autumn Home Improvement

With Autumn upon us, now is the perfect time to make improvements around your home and get your property in tip top shape for winter, Here are ideas for the to-do list.

Repair Roof Problems
Small roof leaks will make it harder to keep your house warm in winter. Inspect your roof for damage (or have a professional do it) and fix any holes or gaps.

Get Your Gutters in Order
Autumn’s falling leaves look picturesque but can cause a problem for gutters and spouts. Clean your gutters to prevent blockages, check for cracks or holes and add mesh guards for extra protection.

Inspect Your Heating
Whatever type of heating system you have, now is the time for a proper inspection to ensure it’s safe and working well. If you have a fireplace, get it checked and cleaned by a specialist to prevent fire hazards. If you’ve been considering installing extra insulation, do it now to keep your home warmer during winter and cut your heating bills.

Add a Fresh Coat
Autumn is a great time to paint the interior or exterior of your home. The temperatures are generally good for paint drying and it’s still warm enough to allow plenty of ventilation into your home to let out the fumes.

Mind the Gaps
Keep things cosy and reduce energy use by draught-proofing your home. Inspect all your doors and windows and seal any gaps you find. Consider upgrading any single-glazed windows to double-glazing (being mindful that this comes with a significant price tag).

Let The Light Shine In
Autumn and winter bring less daylight, but a few small measures can help keep your home light and bright. Replace those blown light globes you’ve been ignoring (choose energy efficient globes) and consider splashing out on a new feature lamp. Translucent curtains can be a great alternative to heavy blinds.

SOURCE: Inspired Living Newsletter by Plan Australia Autumn 2016

Meet Our Client...

Introducing our Customer, Zeljka Vladic of Zelkja Vladic Photography, Photographer, Mother, Magician.
A long-time client and friend of 5 Star Finance, Zeljka recently took our staff corporate photos and we couldn’t be happier with the results! So what does it take to take great photos? We discuss.
Where/When did your passion for photography begin?
My family lost all our photos due to war. I have always felt a piece of me is missing because I have lost so many precious memories. Ultimately this is where my love for photography comes from but more than that I have a deep appreciation for what the photo represents. It is much more than a piece of paper or pixels on a screen.

What are most inspiring locations?
I love to shoot nature and the outback. We have some amazing locations in Australia that I plan on visiting in the future.

How important is professional photography in business?
Depending on the purpose of the photographs, sometimes taking them yourself is OK, especially if they are used in a non-formal environment such as social media. However when it comes to formal communication (website, ads, brochures etc) where the photos will be seen by potential and current clients, it is best to outsource the work to a professional to ensure your business is presented professionally too.

What are your top tips for a great photo at home?
These days people tend to take photos with their iPhones or other smart phones, as they are always near and make it easy to share photos online. The best tip I can give is to always try and shoot near a natural light source, so choose the best lit room in your house. Having said this, you should never point your camera to the light source, unless you are going for a particular effect. Always away so that your subject is looking at the light source. This ensures their face and body is well lit, avoiding any shadows and dark areas. It also prevents photos from being over exposed.

Describe a typical day in your working week.
It would involve a lot of editing. Most people don’t realise that once the photo session is over there are many hours of editing that follow. I also spend time managing my Facebook page, answering client’s queries, location scouting and of course reading up on photography and new and exciting technology.

Visit Zeljka's Facebook Page Here.

5 Star Finance

08 9418 3703
08 9418 3890





What is a Mortgage Broker?

The three most googled questions about Mortgage Brokers.


5 Questions Potential First-Home Buyers Should Ask Themselves.

As a home owner, you may be asked by friends and family interested in buying a first home what to consider before diving in. Here are five tips you can pass on.

1. Is it the right time?
Moving house can be stressful and time-consuming, so consider whether it’s suitable right now.

2. Am I ready?
Do  you have debts, like a personal loan or credit card that you’ll need to manage? Perhaps you can consolidate these into your home loan, or pay them off first.

3. How much money do I need?
While the purchase price of your home will be your biggest cost other costs include stamp duty, home owner’s insurance, legal fees and removalists.

4. Can I afford the repayments?
Try using an affordability calculator to determine how much you can borrow whilst still accounting for your your current everyday expenses.

5. Are there any grants that I can access?
The government’s First Home Owner Grant (FHOG) scheme may provide a grant of up to $7,000 to first home owners ($15,000 in Queensland) who meet certain criteria.

Copyright © 2016 5 Star Finance, All rights reserved.
Cockburn Mortgage Solutions trading as 5 Star Finance.
Australia Credit Representative Number 391245.
ABN 44 116 238 629. ACN 116 238 629.

Our mailing address is:
17 Castellon Crescent, Coogee, W. Australia 6163

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