A Sponsored Post for Tomorrow Finance
It’s funny the way that life doesn’t ever work out quite like you planned it to be isn’t it?
I had no real idea about what I wanted to do after High School, what I wanted to “be” when I grew up so when we had to fill in our forms at School indicating what course I wanted to do I copied my friends form because she was cool and as I said, I had no idea. I forgot about it until January of the following year when we were sent acceptance letters from the Universities when I remembered what course I had copied down – a Bachelor of Design in Visual Communications at UTS. Sounded fancy! And interesting! And definitely cool! It was all the things that I was not at School, so I was thrilled to be with a new crowd of people learning about amazing stuff like colour, and design, and typefaces. I spent 4 years in that course, experimenting with kissing chicks and many boys, drinking Schnooers of $2 beer like it was no one’s business, smoking like any good design student should and let’s not forget the obligatory eye brow piercing that I got in Budapest one uni break. The end of the course came about and people started to think about “real” stuff like getting jobs. Rent was needed and after many declined interviews for various magazines (I swear to GOD in an alternate universe I should be the Art Director of Country Style or Gourmet Traveller) I had to get some money. Somehow. I got a temp job at the company where my big brother worked – a big finance and insurance company – and I finally started getting paid. Because I was working so hard there wasn’t time for interviews and before I knew it, 6 months had passed. A new version of every program I used at uni was upgraded and my confidence in what I loved and was passionate was gone. Somehow I now worked in finance. Just like that.
I spent the next part of my professional years in my twenties and up until my mid thirties working in finance. FINANCE. It’s just a little wrong isn’t it? I never planned on it, certainly didn’t spend almost $20,000 on a DESIGN DEGREE to work in finance, but there I was. A good salary that rose each year, company credit cards & phones, travel around the country, and clients (snort). I eventually left the city to start running a small boutique Financial Planning Business in the burbs. I know! Again, how did that happen? I USED TO BE COOL. I did everything in that business from making clients tea and coffee, to putting out the bins, reconciling commissions and running the mortgage broking part of the business. That’s right, I was *whispers* a mortgage broker. If you need to break up with me now, that’s OK. I understand.
Oh the life of a broker! CONTINUALLY on the phone, to the bank, to the client, to the bank, and then back to the client. Chasing up insurances and paperwork OHMYGODTHEPAPERWORK. And on forms. Like on paper. With a pen. It was stressful and awful and a million miles away from the job I should have been doing which I believe included ladies lunches with white wine and free stuff sent to me from design houses. Instead I got to refinance retirees mortgages for negative gearing. Yep. Glamorous.
Finance can be a stressful business. Especially when you don’t know what you are doing. Especially when you are doing it all for the first time. It’s VERY grown up. And it involves men who want to do you a great “deal” which is code for whichever company they get the biggest rate of commission from. It’s just a nasty business.
Fortunately times have changed now. It doesn’t have to involve a broker who does “deals”. It doesn’t have to involve all the stresses and complications that it has done in the past. Tomorrow Finance are a company that are leading the way forward when it comes to home loans. I’ve checked out their stuff (because unfortunately for me I actually know what I’m talking about) and it just makes sense. A one stop online website that sources the best mortgage for you. Kind of like a webjet when you are looking for the best flight or comparing insurances premiums. Enter your details in their home loan calculator and all the rates will come up. Just like that! Whether you want to compare your current home loan or any new loans you can do it in the one spot. The other thing I like about them is the transparency. There are no hidden “commissions” paid to them from your loan. I was always amazed and the amount of money that planners or brokers got long after your loan had settled. Tomorrow Finance get a “spotters fee” directly from the bank for finding your loan which means that the rates are often discounted and lower than what is available to brokers. They are taking out that ongoing component which means you get a better rate from the beginning. All you do is fill out the loan details, chose the bank or lender that suits you best and then it all gets flicked over to the bank and you directly. No in between person. No poor chick (like I was) filling out forms and paperwork and making endless phone calls. Makes sense to me.
Maybe it’s time to make a change from where you are now. A refinance? A new mortgage? A new beginning or tree change or sea change? Mix things up and change your path. Look at me! Writing a blog now, living in the country, a million miles away from finance. And deals. THANK GOD.
This post was co-ordinated by the The Remarkables Group