Once a Fireman, always a Fireman. But, why is it that one of our Fireman clients now has 5 properties and another Fireman (same age and job) has just their home.

It's how you go about doing it.

At Family Home Finance we understand that it's not just about the rate (even though everybody else thinks so).

First and foremost, it's about what you do and why you do it.

Then it's about how you go about doing it. Is tax a consideration?

Getting the best rate is important once we figure out what your plan is.

Most people prefer not to revisit their finance once it's set up.

Put another way, most people only want to consider their finance as subsidiary to doing something else e.g. buying an investment property, renovations, to pay expenses like tax or school fees.

A very good reason to put you in flux might have to do with your children - another child means a bigger home, or perhaps you might wish to move closer to a preferred school.

On the other side, the kids might finally be moving out and so your family needs change.

Or, if you're in the midst of changing partners and you need to move to a new area, upsize or downsize. Your work might be moving to a new location, or you might be moving to a new location with the same work.

So, while you're doing other things, it's a good time to reconsider your entire finance structure.

More simply, we say, Family Home Finance is important when your family - or individuals in your family - are in "flux."

Family Home Finance understands that most of us work hard for our money

We understand that the road to financial success doesn't happen overnight.

Most of us actually work very hard.

And even with luck, or skill or whatever flair we can muster, it can still take a very long time.

Family Home Finance understands that for most of us our biggest asset is our property.

Surely, once you understand this, you then ask: who's helping me work out what's best for my biggest asset and my biggest liability?

We understand that finance impacts most aspects of your life. And so, we understand that Family Home Finance is not transactional.

At Family Home Finance we know you need a Finance Confidant to speak to from time to time. Whether's it's to get you over the hump or just to talk about things which may happen in the future.

Most importantly, you need a Finance Confident to help build some stability and consistently into your long term finance plans.

Too often, these days, your professional advisors come and go. Who has not seen their bank manager change every 6 months.

As the Family is a long term structure, you Family Home Finance can help your family build long term finance structures.

That is, long term finance structures that can take the brunt of anything that might happen in the short term.

You need someone who can stay with you and who can help work the plan in your mind.

Financial planners sell products and shares. They're not interested in your home.

Accountants do tax returns. They're not interested in your home. And you probably see them annually at tax time.

Solicitors. We understand you might wish to see them as infrequently as possible.

We are always astounded at some financial planners who create a "financial plan" exclusive of your biggest asset and biggest liability.

Family Home Finance understands that you need help with your biggest asset and biggest liability.

We are often amazed at the huge gap in expertise when it comes to your personal Home Finance and supporting families.

We've discovered that by the time we retire, most frequently about one-half to three-quarters of our entire net worth is invested in the house in which we live. Simple.

And if we own an investment property (or more than one) even more of our wealth is invested in property.

Surely, there is a better way to approach your home (or property) strategy as it plays a big role in your Family Home Finance, and we all know that role becomes even more substantial with each year that passes in our personal and family lives.

At Family Home Finance, we take the time.

We take the time to know you.

We always take the time to discover where you and your family are coming from and where you and your family are going.

We don't believe that you can talk about finance before talking about strategy (or what, why and how you're doing it).

We try to figure out for you and your family your underlying financial and property strategy and your underlying finance (or money) strategy. And we try and figure out what you are doing and why.

We help you figure out, from a financial perspective, your strengths and weakness - then help you make the most of your strengths (it's hard to make the most of weaknesses).

We build buffers to take the knocks that life inevitably brings.

The best way to make sure your plan comes true is to have safety valves which take the pressure.

And once we've done that, we can help you tweak your approach, tweak your finance structure, sometimes with very significant effects.