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Common Misunderstandings

Clarifying ideas in lending that are often explained poorly or taken at face value without enough context.

Common Misunderstandings

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

Apr 22, 2026

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3 min read

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.

Josh Stewart
Josh Stewart

Common Misunderstandings

Your offset account might not be doing what you think

Apr 18, 2026

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2 min read

Your offset account might not be doing what you think

Josh Stewart
Josh Stewart

Common Misunderstandings

Why some borrowers can't refinance right now

Apr 14, 2026

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2 min read

Why some borrowers can't refinance right now

Josh Stewart
Josh Stewart

Common Misunderstandings

Where Personal Risk Insurance Is Usually Misunderstood

Apr 13, 2026

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2 min read

Where Personal Risk Insurance Is Usually Misunderstood

Josh Stewart
Josh Stewart
Josh Stewart Finance

Josh Stewart Finance

Notes on lending, structure, and financial decision‑making.


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