Stockbroking | Wealth Management | Corporate Advice


Resizing text on the web

To increase or decrease the magnification of a web page, press Ctrl and '+' (plus) to zoom in or Ctrl and '-' (minus) to zoom out. To return the page to its original size, press Ctrl + 0.

You can also scroll the mouse wheel up and down while holding Ctrl to increase/decrease zoom level.

Financial Health Check

Request a callUsing the same financial ratios that analysts use to rate companies, you can quickly assess the health of your financial position.

Banks have long used ratios to determine whether applicants are credit-worthy for mortgage loans.

Typically, they like to limit your housing expenses to 30% of your net income and your total debt payments to no more than 40% of your income.

Try this quick exercise to see how you rate

  1. Add up what you spend in a month on your mortgage, home insurance and rates.
  2. Then divide that figure by your monthly gross income. Your answer should be under 0.30.
  3. Go back and add in your car payment, credit card payments and other debt payments to the first total, and
  4. Divide again by your monthly gross salary. Your answer should be under 0.40.
  5. If this simple test indicates you’re not as financially healthy as you should be, you should seek advice on how to get your financial health back on track.


Monthly home expenses
Monthly gross income
Outflow/inflow (2100/8333)
Extra monthly expenses
Outflow/inflow (3133/8333)

More information

If you would like more personalised advice based on your current situation, contact a Morgans adviser near you or call 1800 777 946.

You are also welcome to browse our Learning Centre to learn more about buying shares, starting a self managed super fund, investing in fixed interest investments and much more.