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If you’ve owned your home for a few years, there’s a good chance you’ve built up equity without even realising it. Equity is the difference between your home’s current market value and what you still owe on the mortgage. This equity you’ve created can be used to fund a range of other things you may […]

Are you feeling the pressure of juggling multiple debts? Having credit cards, personal loans, and car finance debts on top of your mortgage can make you feel like you’re constantly treading water. Consolidating these debts into your home loan could be a way to ease the pressure by having just one simple repayment? It can […]

You may love your home… but suddenly, it’s not quite big enough. Maybe the kids are growing, you’re working from home more often, or you’re simply ready for a bit more breathing room. Whether it’s adding a new bedroom, updating your kitchen, or planning that deck out the back for summer BBQs, the question is: […]

For more than 18 years, I’ve been helping first home buyers take that exciting step into home ownership. With changing interest rates, ever-changing loan options, and loads of information out there, it’s easy to feel overwhelmed. I’ve seen many first home buyers go through a smooth and exciting journey to owning their first home, and […]

To make home ownership more attainable, the Labor government is set to expand the Home Guarantee Scheme (HGS) in January 2026, marking a significant shift in Australia’s housing policy landscape. This expansion is designed to open the doors of home ownership to a broader range of Australians, offering a lifeline to first-time buyers who have […]

When following financial news or reviewing your home loan, you’ll frequently encounter two key terms: the cash rate and interest rates. While interconnected, these rates play distinct roles in Australia’s financial system. Understanding their differences helps explain why your mortgage repayments might change even when the official rate stays steady. The Role of the Cash Rate The Reserve […]