Debt Management

Heard of interest only loans?

They do serve a purpose but only in certain situations. An interest-only loan is one that during the interest-only period (typically 5-10 years), your repayments only cover the interest owed to the bank, without paying any of the principal off the loan. While this will result in lower repayments compared ...
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Bank Secrets to Destroy Your Mortgage

We share the secrets bank and lenders don’t tell you to pay off your mortgage quicker and become debt free.  See if you already do these four tips to save interest on your mortgage: 1. Repayment Frequency Do you pay your mortgage repayments monthly? If so, did you know you ...
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Let’s talk about LMI

We all want to save as much as possible before buying our dream house – the more you save, the less you pay interest on! But sometimes you find the house you know you want while still on your saving journey. So what happens if you don’t have that 20% ...
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Fixed Vs Variable Interest Rate – Fight!

So, about your home loan interest rate. When to fix your interest rate is a question we always get asked by clients, so let’s share our professional response! Firstly, let’s outline what a fixed or variable rate is, and the key factors you’ll need to consider. A fixed rate? This ...
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What’s the difference between borrowing capacity and affordability?

So you want to buy your first home? Maybe your second or even an investment property? Well here is a tip from a friend for free: Just because the bank says you can borrow a certain amount doesn't mean you should! When it comes to borrowing money, many people confuse ...
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Credit Card Hangovers Video

Ever suffered a credit hangover? Many people have and do. They take longer to fix than a night at the pub! So here is your CC hangover cure video.
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