Wealthy & Wise Lifestyle Planning

Wealthy & Wise Lifestyle Planning Wealthy & Wise Lifestyle Planning are a group modern financial planning agencies located across Aust

Wealthy & Wise Lifestyle Planning are a group modern financial planning agencies located across Australia. We specialise in financial advice and investment solutions for Aussies wanting to take control of their money and live their best life. And, although our head office is based in Sydney, we work with clients from many areas including the Sunshine Coast, Gold Coast, Central Coast NSW, Melbourne

, Adelaide and Perth. We offer a range of financial advice services including financial planning, insurance, investment advice, taxation, property investment and superannuation. We also offer franchise opportunities for forward thinking Financial Advisers.

The rate gets all the attention, but it’s only one line in what a loan costs.Fees sit alongside it: application, exit, o...
14/09/2026

The rate gets all the attention, but it’s only one line in what a loan costs.

Fees sit alongside it: application, exit, ongoing account fees. When a loan is switched, those up-front costs are often added to the balance, so interest gets charged on them too. A comparison rate folds most fees in over a standard period, and it can read quite differently to the headline number.

Structure counts too. With interest only, repayments step up once that period ends, because the balance still has to be repaid over the years left.

Under APRA rules, lenders assess serviceability with a buffer of at least 2 percentage points above the rate.

General information only, not advice.

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"Why does my broker need three months of bank statements?"Not nosiness. Under Australia’s responsible lending obligation...
13/09/2026

"Why does my broker need three months of bank statements?"

Not nosiness. Under Australia’s responsible lending obligations, a lender has to make reasonable enquiries into your finances and verify them before approving a loan.

Statements generally show income that actually lands in your account, committed expenses like childcare and insurance, and debts including buy now pay later and credit card limits you never use. Many lenders compare declared living costs against a benchmark, and a big gap invites questions.

A loan can be declined on serviceability even when the deposit is ready. Affordability and deposit are separate tests.

General information only, not personal advice.

Want to see how we work? Comment "SEND" and we’ll send it over.

Nobody loses a super account on purpose. A new job, paperwork done in a hurry, a new fund opened by default, and the old...
13/09/2026

Nobody loses a super account on purpose. A new job, paperwork done in a hurry, a new fund opened by default, and the old one keeps ticking along quietly.

Each account generally charges its own administration and investment fees, and many carry default insurance premiums taken straight from the balance. Two accounts can mean two sets of both.

Around $21 billion in super was recorded as lost or unclaimed as at August 2026, usually after an account goes inactive and the fund holds old contact details.

Consolidating isn’t automatically better for everyone: closing an older account can end insurance cover attached to it, and that cover can be harder to replace later.

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Pre-approval isn’t the finish line. It’s a snapshot of your finances on one day, and lenders generally recheck before se...
10/09/2026

Pre-approval isn’t the finish line. It’s a snapshot of your finances on one day, and lenders generally recheck before settlement.

Before funds are released, most run a fresh credit check and reconfirm what you owe. A new credit card is usually counted at its full limit, not its balance, so an unused $10,000 card still reduces borrowing capacity. Buy-now-pay-later accounts show up in bank statements and can be read as an ongoing commitment. Car finance adds a repayment the original assessment never included, and each application leaves an enquiry on a credit file.

None of that means an approval automatically falls over. It does mean the numbers get run again, and the answer can move.

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The deposit is the number everyone tracks. It’s rarely the only one that matters at settlement.Sitting on top of it: sta...
09/09/2026

The deposit is the number everyone tracks. It’s rarely the only one that matters at settlement.

Sitting on top of it: stamp duty, which varies by state and by price and is often the biggest. Conveyancing and search fees. Building and pest inspections, done before you’re committed. Adjustments at settlement, where council rates the seller already paid get squared up.

If the deposit sits under 20% of the property value, lenders mortgage insurance can apply. It’s a one-off fee that protects the lender, not the buyer, paid at settlement or added to the loan.

The gap deposit-only budgeting creates is a timing one. These costs land together, in cash, the same week the deposit leaves.

Want to see how we work? Comment "SEND" and we’ll send it over.

31/07/2026

Is insurance always essential in a solid financial plan? You might be surprised!
Having insurance depends on your circumstances, family support and stage of life, it should be considered but it's definitely not a one-size-fits-all rule. 💡

Our vision is to be the local hub for advice, where people from all walks of life can come and receive help when plannin...
20/07/2026

Our vision is to be the local hub for advice, where people from all walks of life can come and receive help when planning different aspects of their life now and in the future.

28/06/2026

Great advice shouldn’t feel intimidating, we believe in being approachable, contactable and genuinely present - yes we will respond to your text!

25/06/2026

We are an education first financial planning company.
We always explain the logic behind every strategy so you have complete clarity on the why.
If you feel lost in the maze of strategic financial planning book a meeting with our team. There is no charge and it is completely obligation free.

Address

Level 35, One International Towers 100 Barangaroo Avenue
Sydney, NSW
2000

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+611300226271

Website

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