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First home loans are tailored for those purchasing their first property, and they often come with benefits like lower deposit requirements. Occupier loans are exclusively for individuals who will live in the property, rather than individuals looking to buy an investment property as a source of rental income. Our advisors guide you with personalised advice to help you make informed decisions and secure the right loan for your unique situation and goals.

To assist you in determining which loan is best for your needs, our advisors will assess your current financial situation, goals, income stability, and credit history. Your preferences, like fixed or variable rates, will also be considered. Our experts will then recommend a loan that aligns with your unique circumstances, ensuring you secure financing that suits your short and long-term objectives.

The amount you can borrow to buy a home depends on factors such as your income, credit score, and existing debt. Lenders will also consider factors like the size of your deposit and the value of the property. Our advisors evaluate these variables to provide a clear picture of your borrowing capacity and help you understand how much you can borrow and how much you can afford to spend on a home.

Commercial loans are for business purposes exclusively, like expanding or purchasing property, while personal loans cater to individual needs. Commercial loans often require business financials for approval, and the terms can vary based on business prospects. Personal loans are based on personal income and credit history and have different eligibility criteria.

Refinancing loans tend to be favoured for the lower interest rates that they offer which reduces your overall repayment amount. They can also provide access to equity in your property for other financial goals, and they also allow you to consolidate various debts into a single payment to simplify your finances. Our advisors can guide you through the advantages and disadvantages of these loans to ensure your refinancing decision aligns with your financial objectives.

While individuals of all ages can secure life insurance policies, the ideal time to invest in life insurance is when you're young and healthy. By locking in your coverage when you’re at a lower risk of experiencing health issues, you’re more likely to secure lower premiums. By investing in life insurance early on, you’ll be ensuring your loved ones are protected from the outset, and you can adapt your coverage as your needs change over time.

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Choosing the right insurance type depends on your goals and circumstances. Life insurance provides a payout to beneficiaries upon your passing, while income protection covers lost earnings due to illness or injury. Trauma and critical illness insurance offer lump sums for specific conditions. Our advisors help you understand your needs and guide you toward the best fit for your individual circumstances.

Income protection insurance replaces a portion of your income if you can't work due to illness or injury. Trauma cover and critical illness insurance offer lump sums for specific severe conditions, like heart attacks or cancer. While income protection provides ongoing financial support, trauma and critical illness insurance provides immediate support for medical expenses and lifestyle adjustments.

Yes, some situations may not be covered, such as participating in dangerous activities with an inherent risk of injury. It's crucial to understand the terms and exclusions in your policy, because each individual policy lists its own individual exclusions that apply to the provision of coverage. Our advisors work with you to clarify the coverage details, ensuring you have a comprehensive understanding of when and how your insurance protects you.

The ideal time to consider investing in property depends on several factors tailored to your financial objectives and personal circumstances. Typically, a stable financial situation, a well-defined investment strategy, and a long-term perspective are favourable indicators. It's essential to conduct thorough research and seek expert advice. The property market also varies significantly from one region to another and experiences cyclical trends, so it’s important to stay up to date with market conditions. By aligning your investment timing with your unique situation and objectives, you can make informed decisions that set you up for long-term financial success.

Investing in property presents a range of advantages. Firstly, it offers the potential for rental income, providing a consistent stream of cash flow. Additionally, properties can appreciate in value over time, contributing to capital growth. There are also tax benefits associated with property ownership, including deductions on mortgage interest and property expenses. Property investment also provides a tangible and secure asset, offering peace of mind. These versatile investments can also be leveraged for further financial opportunities, such as leveraging equity for additional property purchases.

Yes, our comprehensive property services encompass both residential and commercial property investments. We understand that our clients have diverse investment goals, and we tailor our strategies accordingly. Whether you're interested in investing in a family home, rental property, office space, or retail space, our experienced team is well-versed in both residential and commercial property markets. We work closely with you to develop a personalised investment strategy that aligns with your specific objectives, risk tolerance, and financial aspirations. Our aim is to provide you with a holistic approach to property investment, ensuring that your portfolio is diversified and optimised for growth.

Generally, residential properties carry lower investment risks when compared to commercial properties. Residential properties tend to have a more extensive pool of potential renters and are generally less sensitive to market fluctuations. However, it's essential to consider that risk levels can vary depending on factors such as location, local market conditions, and property management. While residential properties tend to be less volatile, specific risk factors should be evaluated on a case-by-case basis. Our experts can conduct a thorough risk assessment tailored to your investment goals and risk tolerance to ensure you make a well-informed decision that aligns with your financial strategy.

At Asti Advisory, we understand that every investor is unique, with specific financial goals and preferences. To develop your personalised investment strategy, we start by thoroughly assessing your financial situation, risk tolerance, and short-term and long-term objectives. We also consider any ethical or socially responsible investment preferences you may have.

Based on these findings, we create a bespoke investment plan that aligns with your goals. This plan takes into account factors like asset allocation, diversification, and tax efficiency to create a strategy tailored specifically to you. Our approach ensures that you receive a roadmap that not only seeks to maximise returns but also resonates with your values and aspirations, ensuring your investments are both financially rewarding and meaningful.