Archive

Using your home loan to buy a car — what you're actually trading

Thinking about using your offset, redraw or a home loan top-up to buy a car? A plain-English look at the four things you're actually trading: rate, term, liquidity and your next lending decision.

Buying Your First Home — The Book for First Home Buyers Who Want to Actually Understand the Process

A calm, clear guide to buying your first home in Australia. 17 chapters covering borrowing, deposits, loans, offers, and settlement. Now on Amazon.

Paying Off a Home Loan Is Mostly a Structural Decision

EOFY Tax Decisions and Borrowing Capacity: What Self-Employed Borrowers Should Understand

If you're self-employed and considering a property purchase or refinance in the next one to two years, the tax decisions you make before June 30 directly affect the income figure a lender will assess. This article explains how the two are connected — and why it's worth understanding the trade-off before lodging your return, not after.

Offset vs Redraw: Why the Difference Is About More Than Interest Savings

Offset and redraw both reduce the interest on your home loan, but they work differently — and in certain situations, that difference has tax implications. This article explains why the distinction matters for investment debt and what to understand before choosing a structure.

Your offset account might not be doing what you think

Why some borrowers can't refinance right now

Multiple Offset Accounts Are an Organisational Choice, Not a Financial Hack