Mark Mollenhauer - Finance Coach

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Mark Mollenhauer - Finance Coach

Mark Mollenhauer, an experienced Finance Coach, guides clients to financial stability by specializing in cash flow, car & home purchases, & debt reduction.

Mark empowers clients to build safety nets & confidently achieve their future goals & dreams Mark Mollenhauer, Finance Coach, offers financial support and education, in the areas of home loans, car finance, and credit counselling. Mark helps clients with budgeting, debt management, and reaching their financial goals like homeownership and retirement.

17/11/2025

🎄✨ Feeling overwhelmed by holiday shopping? The Four Gift Rule might just save your sanity (and your wallet)!

Instead of piling presents under the tree, focus on four meaningful categories:

• Something they want 🎁
• Something they need 🧣
• Something to wear 👟
• Something to read 📚

It’s simple, thoughtful, and keeps the season about joy—not stress.

👉 Check out this guide to making Christmas more intentional: yourmodernfamily.com/four-christmas-gifts

We LOVE this four-gift rule. It's so much better with the twist that makes it so meaningful & special.

15/10/2025

💰 **Super Tax Shake-Up: What’s Changing?**

- 📣 Treasurer Jim Chalmers just revamped Labor’s plan to tax large super balances.
- ❌ No more tax on *unrealised gains* — only actual profits will be taxed.
- 📈 Thresholds now indexed to inflation — $3M and new $10M tiers will rise over time.
- ⚖️ Two new tax rates:
- 30% on earnings from balances between $3M–$10M
- 40% on earnings from balances above $10M
- 👥 Who’s affected?
- ~0.5% of Aussies with super (80K–90K people)
- Only ~8K hit the $10M+ mark
- ⏳ Start date pushed to 1 July 2026 — first tax bills in 2027/28
- 🗳️ Legislation still needs support from the Coalition or the Greens to pass

* Disclaimer - always seek professional advice before making any decisions

13/10/2025

🏡 Big news for first-home buyers! From October 1, the 5% Deposit Scheme just got a major upgrade:

✅ No income caps
✅ No limit on places
✅ Higher property price caps (up to $1.5M in some cities!)
✅ No Lenders Mortgage Insurance (save up to $36K!)

That means less time saving, more time house hunting. Whether you’re eyeing a $600K home in Bendigo or a $1M spot in Brisbane, you could get in the door with just 5% down.

📣 Tag a mate who’s been dreaming of ditching rent and owning their place!

17/08/2025

“Budgeting is easy.
Until the ‘Impulse Buys’ bucket turns into Niagara Falls.”

13/08/2025

🍾Good News Folks!

The RBA has cut the cash rate to 3.6%
The Reserve Bank of Australia (RBA) has cut the cash rate to 3.6%, down from 3.85%.

The cash rate is what the RBA charges banks for short-term loans.

It affects how much interest banks charge customers on their loans, for example, mortgages. This is why changes to the cash rate are also referred to as the RBA changing interest rates.

The lower the interest rate, the less expensive it is to borrow money.

🎙Announcement
The RBA has announced it has decided to lower the cash rate by 25 points to 3.6%. The central bank called the cut “appropriate,” and said it was forecasting inflation to “continue to moderate”.

Despite the decision, the RBA said it “remains cautious about the outlook,” as “uncertainty in the world economy remains elevated.”

It comes after the RBA’s surprise decision last month, when it kept the cash rate on hold. At the time, the RBA said it needed to “wait for a little more information”.

📉Inflation
The RBA partly bases its decisions on inflation, which measures the change in the price of goods and services over time.

The latest data from the Australian Bureau of Statistics shows that inflation fell to 2.1% in the year to June.

This is the lowest annual inflation rate since March 2021. When inflation falls, it does not mean prices are falling — it means they are increasing at a slower rate than before.

It is also within the RBA’s target range for inflation of 2-3%.

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Our Story

We are your local finance broker, with nearly 20 years in the business, assisting you to get the right fit, with the type of loan that suits your circumstances. We are available to meet you at your home, office or wherever it suits you. Our guarantee is to take the hassle out of the process and do all the running around for you. By the way our service doesn't cost you a dollar. If you think we did a good job, our greatest compliment is to tell you friends and family. We love helping people achieve their hopes and dreams.