Expert mortgage advice, tips for first home buyers, refinancing guides, and investment property insights.
Banks aren't charities. In 2024, the big four made $29.9 billion in profit. Here's how your home loan contributes to that number — and what you can do about it.
10 Mar 2026
Interest is quoted annually, charged monthly, and calculated daily. Understanding this one concept is the foundation of every home loan hack.
10 Mar 2026
Switching from monthly to fortnightly repayments could save you $128,000 in interest and cut 5 years off your loan. But there's a catch most people miss.
10 Mar 2026
An offset account is arguably the most powerful tool for reducing your mortgage interest. Here's how it works — and why the bank won't always tell you about it.
10 Mar 2026
Earning 2% on savings while paying 6% on your home loan and 21% on a credit card? That's not saving — it's going backwards.
10 Mar 2026
An extra $100 per month on a $500K loan saves $57,744 in interest. An extra $1,000 cuts the loan term nearly in half. Here's the maths.
10 Mar 2026
Instead of letting your salary sit idle in a savings account, depositing it into your home loan (even temporarily) saves more interest than a savings account earns.
10 Mar 2026
Fixing your rate isn't a bet on the future. Here's when it makes sense — and when you're just gambling with your mortgage.
10 Mar 2026
Albert Einstein reportedly called it the most powerful force in the universe. When it comes to your mortgage, compound interest is working for the bank — not you.
10 Mar 2026
Not all debt is created equal. The interest on your home loan is not tax deductible — but the interest on an investment loan is. Here's why that matters.
10 Mar 2026
People tend to spend all the money available to them. Here's how to use that behavioural quirk to accelerate your debt repayment.
10 Mar 2026
Comparison rates were supposed to help borrowers. Instead, they're based on a $150,000 loan and ignore offset accounts entirely. Here's a better way.
10 Mar 2026