Fern Financial

13/04/2026

10 years. Wow. 🎉

Last month we celebrated 10 years of FERN Financial!

To every client who placed their trust in me, every business partner who believed in what I was building, and every friend and family member who cheered me on (and put up with me!) — thank you.

Here's to what's next! 🥂

29/07/2025

NEW BLOG POST: Exchange Traded Funds (ETFs) have become an increasingly popular investment choice among Australians for their simplicity, cost-effectiveness, and diversification benefits.

Whether you’re just starting your investing journey or looking to expand your portfolio, ETFs can offer exposure to a wide range of asset classes and markets with relatively low fees.

This guide will walk you through the basics of investing in ETFs in Australia.

Whether you’re just starting your investing journey or looking to expand your portfolio, ETFs can offer exposure to a wide range of asset classes and markets with relatively low fees. This guide will walk you through the basics of investing in ETFs in Australia.

24/07/2025

As of 1 July, the compulsory super contribution has increased to 12%. That means more money heading into your retirement fund, great news for future you.

But with this change, there are a few things to keep an eye on:

Is your salary package inclusive or exclusive of super?

If it’s inclusive, you might notice a slight dip in your take-home pay.

Are you salary sacrificing into super?

This increase could push you closer to the concessional contributions cap meaning now’s a good time to review and adjust if needed.

If your payslip looks a little different this month, this might be why!

03/03/2025

Building an emergency fund isn’t about perfection - it’s about progress. Start small, be consistent, and before you know it, you’ll have a solid financial cushion.

Future you will thank you for it, so here's how to get started!

Life has a funny way of throwing curveballs, and when it does, having an emergency fund can be a total lifesaver.

11/12/2024

As we head towards the end of 2024, let’s take a look at how property markets performed over the last year – and what’s being tipped for 2025. 🏡

As we head towards the end of 2024, let’s take a look at how property markets performed over the last year – and discover what the experts say may lie in store for home prices in 2025.

09/10/2024

They say patience is a virtue. But the narrator of the poem that coined that famous phrase was an idle vagabond – not exactly an aspiring homeowner. So, here are four impatient ways you could fast-track home ownership (all while keeping your virtue!). 😅

Planning to buy your first home? It takes (on average) about five to six years to save a deposit at present. But who’s got the patience to save for six years? Today we’ll look at four ways you could fast-track home ownership.

03/10/2024

Thinking of holding off buying until interest rates fall? Wait until you see what could happen to home prices. Here’s why it could make sense to buy sooner rather than later if you’re home loan-ready. 🏡

Thinking of holding off buying until interest rates fall? Wait until you see what could happen to home prices. Here’s why it could make sense to buy sooner rather than later if you’re home loan-ready.

05/09/2024

When it comes to home loan features we’re spoiled for choice. Even basic loans can come with a fisherman’s basket full of options. But one feature in particular is being targeted by seven out of 10 home buyers. 🎣

When it comes to home loan features we’re spoiled for choice. Even basic loans can come with a fisherman’s basket full of options. But one feature in particular is being targeted by seven out of 10 home buyers.

14/08/2024

Want to grow your investment portfolio but have most of your wealth tied up in your family home? You may be able to leverage recent gains in the property market as equity for an investment property. Let’s take a look. 👀

Want to grow your investment portfolio but have most of your wealth tied up in your family home? You may be able to leverage recent gains in the property market as equity for an investment property. Let’s take a look.

01/05/2024

Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.

Check out our latest blog post below 💪

Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.