Property & Lending Insights
Practical tips, market insights, and expert guidance for your property journey.
When does it actually make sense to refinance or re-fix?
Put the decision into numbers: interest you save versus break costs, clawbacks, and legal. Sometimes the product or the policy is the real reason to move.
If I pay fortnightly instead of monthly, will I pay off my mortgage faster?
Yes — but the reason might surprise you. It's not because fortnightly payments are inherently smarter. It's pure maths.
Why doesn't my adviser get me a better rate than going to the bank directly?
This comes up a lot, and it's a fair question. The answer is a little more nuanced than people expect.
Understanding your home loan options — and which one actually suits you
Most people pick a home loan the way they pick a phone plan. But the type of loan you're on can make a bigger difference than the rate itself.
Getting business lending when your financials don't tell the full story
The bank asking for two years of financials isn't the end of the story — it's usually just the start of a different conversation.
How much deposit do you actually need to buy your first home?
The answer most people get is 20%. But there are legitimate pathways to buying with as little as 5% — and the calculation is worth doing properly.
What is LVR — and why does it affect your mortgage?
LVR is the single number that has the most direct impact on how much deposit you need and what rate you'll pay. Here's how it works.
Financial resilience — what it actually means when you have a mortgage
Resilience isn't just having savings. It's whether your position can absorb a shock without forcing a decision you didn't want to make.
The Momentum Blueprint — a roadmap to financial literacy
Eight rungs. Each one builds on the one before it. Work through this and you'll be ahead of most people who never had a plan at all.
This article is general information only and does not constitute personalised financial advice.