Finance • empowerment
Homes and Loans
Decoding banks and money
If you want to understand money—especially lending—gain financial knowledge and confidence, you’ve come to the right place.
Not many of us are taught finance, yet we have been making financial decisions since the day we started working—how much to spend and how much to save for a start.
The world of home loans and mortgages has been my world since 2008.
I answer questions and find solutions. I want people to learn more, know more and ask questions.
This website is here for you. Take what you need to fill in the gaps in your financial knowledge.
Learn
Invest Some Time Into You…
Home Loans
I know home loans back-to-front. Sometimes lending is difficult but most of the time it just sounds difficult.
I will shed light on all things lending so you can be as informed as you want to be.
Mortgage Brokers
This is what I do. Mortgage brokers have play a key role providing competition, education and enabling better access to lending.
I share some industry know-how to help you on your lending journey.
Knowledge
Being better informed can help you make better decisions.
So make yourself at home, read on and see what you can learn.
-
Does an offset account reduce monthly repayments?
Does an offset account reduce monthly repayments? No. Not for a standard principal and interest home loan. You would think borrowers with savings in their offset accounts should have lower repayments. For a principal and interest (P&I) loan it is not the case. But there can be a significant interest savings benefit for borrowers with…
-
Avoid these 5 offset account mistakes
Common offset account mistakes I see Being a mortgage broker since 2008 has given me insights and experience too valuable to keep to myself. Offset accounts are common loan feature for Australian borrowers. Used correctly, they can be a powerful tool to offset home loan interest—and accelerate your home loan pay off trajectory. I am…
-
15 borrower traits I see in 10yr home loan pay offs
I interviewed and analysed data for borrowers who successfully paid off their home loan in under 10 years. I discovered traits they share. Which ones do you have?