Money Buckets

Home
Australia
Davistown, NSW
Money Buckets

Money Buckets has easy to use and Simple to Save Budgets - one for home, one for your business, they are FREE to use and to save Got Debt problems?

Debt Solutions, Planning for the future, Home Loans & Lending

At Money Buckets we have lots of answers to your Debt Problems. If you’ve been knocked back for a Home Loan, we may have a solution for that. Have your thought about a specialist lender, who may look at your situation a little (or a lot) more favourably? A refusal by a big bank may not be the end of your home loan journey. Do you have

other debts that you might like to add to your home loan? This may be an option for you too. With home loan interest rates at all time lows, it’s time to think about how this can work to your advantage. Maybe you’ve run out of options with your credit cards or personal loans, are they at their limits and you don’t know where to turn now? Are your payments now too large for you to handle or are you just paying the minimum each month and your debts are growing? We have some solutions there too. There are things that can be done to help people with organizing payment options, it may be a Debt Agreement or an Informal arrangement with those you owe money to. Before you borrow more money to pay down your debts, think about how a no interest or lower interest payment option may assist you. Planning for your future is important! Do you know how to make a savings plan and stick to it? Can you see things or events in your future that need you to save for ... a home, a car, a wedding or that big overseas holiday? With Money Buckets you can allocate money for your expenses, and your everyday needs into separate buckets. Once you’ve got all your expenses covered there’s a budget for your savings. This may help you to reach that goal and get your savings plan in place. Go on, see how easy it is to take control of your finances and be in a better place.

27/11/2025

Refinancing surges as borrowers chase better deals

A record number of Aussies are switching lenders - and for good reason! ABS Data shows external refinances in the September quarter climbed 25.2% on last year.

Borrowers aren't restless - it's all happening because there are savings that are too big to ignore.

Lenders are adjusting pricing unevenly after recent rate cuts, some lenders are passing on full rate cuts, while others have made only smaller movements. If your home loan is coming off an older fixed or variable rate, there may reductions in new rates that could reduce your monthly payments.

New to bank offers are often sharper than existing customer rates

Wondering if you could be saving money each month and owning your home sooner?

21/08/2025

At Money Buckets, we don't think you need to pay to get your finances in order. If you are looking to wrangle in your spending or wondering if you can afford to buy a home, it's great to have a budget that's easy and that you can play around with. Money Buckets Budgets are FREE, click the link and make them yours.

https://www.moneybuckets.com.au/category/all-products

01/08/2025

Even though the Reserve Bank of Australia (RBA) held the cash rate steady in July, some lenders have already started trimming their home loan rates.

That's because not all lenders are moving in sync. Some drop rates early to stay competitive and attract new customers - which means loans that once had very sharp rates may no longer be as competitive.

Is switching the right move?

A proper review of your current home loan matters. Here's some things to consider:

🔵Your lender might not be keeping up. But some do adjust selectively for existing customers.

🔵The lowest rate isn't always the right deal for you. Making sure your loan structure and features match your financial goals is most important.

🔵A loan review can reveal where you stand. The right choice might be switching – or staying put, with confidence.

Not sure if your loan still stacks up? Let’s take a look together.

Get in touch to see if your loan is still competitive - 1800 825 010

https://www.moneybuckets.com.au/homeloans-specialists

16/06/2025

The End of Financial Year is a Time to review your business going forward

Is there going to be a Tax Bill? Do you have substantial Tax Liabilities to pay?

What options do you have?

Payment plans with the tax office are normally a bit too short and interest is not a tax deduction. But you can refinance tax debt over longer terms with some of our specialist lenders

Sometimes we can refinance your tax debt into your Home Loan and keep the interest rate even lower

Debt Agreements can handle interest free repayments for unsecured debts in difficult situations, so its worth finding out if you can get some help. Don't have debts hanging over for years, it's time to look at options whilst they are available.

Contact Money Buckets on 1800 825 010

More information is available at moneybuckets.com.au

20/05/2025

RBA Reduces Cash rate to 3.85%

The Reserve Bank of Australia (RBA) reduced the official interest rate by 25 basis points to 3.85% following today’s monetary policy meeting. Yay!

The move was in line with market expectations, particularly after the Australian Bureau of Statistics found that annual trimmed mean inflation (the RBA’s preferred measure) had dropped to within the target range of 2-3% in the March 2025 quarter, falling from 3.3% to 2.9%.

Looking ahead, forecasts indicate there could be more cuts to come in 2025, but that will depend on changes to inflation, the labour market and broader economic conditions. What does that mean for you?

As lenders generally follow on from the RBA, they will likely start announcing cuts to their variable rates after today’s decision. That is good!

Contact me if you’d like to discuss current interest rates and how it may affect your current loan or future borrowing plans.

Time for a loan check-in? Let’s talk - 1800 825 010

25/03/2025

Good news if you’re an essential worker – some lenders offer LMI waivers to professions such as police officers, teachers, firefighters, nurses, midwives and paramedics.

Lender’s mortgage insurance, or LMI, is an insurance premium you generally get charged when you provide a deposit of less than 20%. For example, if you were a first home buyer and wanted to buy a $600,000 property with a 10% deposit, you would generally have to pay an LMI premium of about $13,000.

However, depending on your profession and choice of lender, you may be able to take out a low-deposit home loan without needing to pay LMI.

This LMI waiver is not something that all lenders offer to all essential workers; rather, it’s something that some lenders offer to some essential workers.

As your broker, I know the credit policies of a range of lenders, so if you’re an essential worker, get in touch to discuss your options. Depending on your circumstances, I might be able to find you a better home loan deal than you realised was possible.

It's worth a phone call to Money Buckets - 1800 825 010, or find some more info at www.moneybuckets.com.au

16/03/2025

Mortgage Brokers - How do they get paid and will you pay more to refinance or get a loan through a Broker❓ Do you get a great interest rate when you use a Broker? ✔️

The simple answer is NO, you don't pay any more, and you'll probably get a way better choice of loan products and options if you use a Broker. Brokers have access to way more loans than just 1 Bank, so it makes sense to take advantage of all that is available to you. You won't pay any more either, so YES️❗️️you get the best rate, you may even get a better interest rate than if you just went to just 1 Bank and made an enquiry! Brokers get paid by the lenders for doing all the hard stuff, and this payment is not added to your loan amount.

Brokers as well have a duty to ensure Your Financial Best Interest as a 1st priority by Australian credit law. There's no trying to sell something that won't fit your needs or purpose, in short there's just a wider range of loans out there if you use a Broker and it won't cost you anymore!

If you want to talk through your situation and what's currently on offer with over 40 lenders, best number is 1800 825 010 - Try after hours if that suits, you may find us available or we'll call you back. (Don't try that with your bank)!

Moneybuckets.com.au - 1800 825 010

11/03/2025

Money Buckets

🏠 * - a term for dedicated bank accounts to handle your budget. The starting process for your 1st Home Loan, or a Debt Consolidation to Upgrade your home, maybe an investment property.

Start your next financial project with Money Buckets

Call and chat through your situation - ☎️1800 825 010

More info on our website - moneybuckets.com.au

02/12/2024

What to do when your coin stash isn't enough and your budget just isn't going to stretch any further? What if you could pay off those debts with one payment that you could afford? It is possible, agreements can be brokered where you can repay your debts and get back on top of your finances ...

Ask us how, it will take 15 minutes of your time and cost you nothing to chat

MoneyBuckets.com.au - 1800 825 010

25/11/2024

A good refinance story ... NO a GREAT refinance story !

Maggie and her partner had LOTS of debts, they owned a home and ran a small business. After they paid the mortgage and all their other debts they didn't have too much left each month. A letter arrives from the ATO with an old debt from the Covid years.

Their business is going well, but they just can't stretch to pay back this ATO debt and keep up to date with their current ATO commitments. What to DO?

When the ATO was contacted to discuss a payment plan they offered to drop the interest and penalty fees to help. Then a refinance was possible of all debts Maggie and her partner had at a very manageable rate. We'll review in 12 months and get Maggie and her partner an ever better mortgage rate!

Who knows maybe the future even holds an investment property or business expansion for Maggie ...

If you want to run through your story and see if you can get a better ending, it's easy - 1800 825 010 or connect with us via our website www.moneybuckets.com.au.

# debt help

19/11/2024

What is a hardship arrangement and how do you organise it?

If you find yourself behind on your credit card, your personal loan or another debt, do you know how to find help to get an arrangement you can afford?

Under the National Credit Code, a debtor (that's you) may give a credit provider (those banks or organisations you owe money to) a verbal or written notice that you can't meet your payments. Your credit provider must help you.

You'll need to contact the hardship department and talk about your budget and make a payment plan - EASY right! But what if you owe money to 3, 4 or 5 different companies? NOT so easy!

That's where Money Buckets comes in. We prepare the right paperwork for you to get your payment arrangement in place for ALL your debts. We work with all your creditors to get the best payment arrangements, and you make just ONE payment to cover it all. Now that's EASY!

☎️Contact us to find out how 1800 825 010 - moneybuckets.com.au

Address

Davistown, NSW

Telephone

+611800825010

Website

https://moneybuckets.com.au/

Alerts

Be the first to know and let us send you an email when Money Buckets posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Money Buckets:

Shortcuts

Want your business to be the top-listed Finance Company in Davistown?