budgeting
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I get asked this question almost daily: “Should I refinance home loan now, or wait?” The honest answer? It depends entirely on YOUR situation. What I can tell you is that 2026 has created some interesting conditions, and if you’ve been sitting on the fence, certain signs might be flashing bright green telling you it’s…
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Your home loan might be costing you thousands more than it should. And the harsh reality? Most Australian property owners don’t realise it until years down the track. With over 30 years of experience helping clients navigate the mortgage landscape, I’ve seen countless homeowners and investors paying far more than necessary, simply because they set…
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Choosing a home loan involves more than just finding the lowest interest rate; factors like loan structure and features impact long-term financial goals. This guide examines common home loan options in Australia, including offset accounts and redraw facilities, highlighting their benefits, drawbacks, and suitability for different borrower types.
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When it comes to building wealth in Australia, many investors and homeowners are turning to a lesser-known but highly effective strategy called “debt recycling.” This financial approach is particularly popular in the property market and can help you turn your non-deductible home loan debt into a wealth-generating asset. But what exactly is debt recycling, and…
The Property Finance Broker 