Your home loan is usually your largest financial commitment. We understand that changes in interest rates can have a big impact on your monthly repayments and how long it takes you to pay off your loan. Switching loans might cost you thousands in early exit fees and other required fees, but it could possibly SAVE […]

It can be tempting to stay in your home when you’re renovating, rather than spending money on rent. But is it really a good idea? Consider the pros and cons before you make a decision. Advantages of staying in your home You’ll keep your creature comforts and sleep at the same address, but what are […]

Pay the first home loan instalment as soon as you settle Review your loan at least every two years and negotiate a cheaper rate with good flexibility Ensure you use a mortgage offset account for your savings and understand how to use it wisely Split your loan – fix a portion and leave the rest variable for […]

Do your homework – You are not buying from the heart, but from the head, so it is important to assess your current financial position. What are your cash reserves and what equity do you have in your present home? Look at your long term objectives and factor in potential changes to your current situation (e.g. […]