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home loan

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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Safeguard your ability to pay off your home loan

It’s not unusual that life can be smooth sailing one minute and throw you a curveball the next. You might be hit with an injury or illness, a reduction in income or redundancy, a separation from your partner, or even a death in the family—all of which can be difficult, ...
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How can I own my home sooner?

It doesn’t have to be the stuff of dreams. There are several strategies that could help you pay off your home loan sooner. And it doesn’t necessarily mean sacrificing the things you love doing today. The first step towards paying off your home sooner is to understand your loan—how much ...
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    Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.

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