Fixed vs Variable — Which Home Loan is Right for You?
Fixed or variable? Neither is universally better. The right choice depends on your budget, flexibility needs, and how you'd handle a rate rise. Here's a clear breakdown to help you decide.
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Property and finance insights to help you make smarter decisions.
The Loyalty Tax: Why Staying With Your Bank Is Costing You Money
There's a quiet penalty in the Australian mortgage market that almost nobody talks about. It doesn't show up as a fee on your statement. Your bank won't call to warn you about it. And the longer you ignore it, the more it costs you. It's called the loyalty tax — and if you've had your home loan for more than two years without reviewing it, it's worth checking whether you're paying it right now.
What Is LMI and Can I Avoid It?
If you've been researching home loans, you've probably come across the term LMI and had a moment of confusion. Is it a fee? Insurance for you? Something the bank charges just because it can? The short answer: LMI is a one-off cost that protects the lender, not you — and with the right strategy, many first home buyers can avoid it entirely.