Offset Account vs Extra Repayments: Which Actually Saves You More
Both reduce the interest you pay. Only one keeps your money accessible. Here’s the actual difference, and how to work out which fits your situation.
interest-rates
How LVR Affects Your Home Loan Interest Rate
Your deposit sets your loan-to-value ratio, and LVR can move your interest rate and LMI. How it works, with an illustrative example.
The Long Boom: A History of Australian House Prices, and Where They Go From Here
From 1980’s $68,850 median to today’s two-speed market: the full history of Australian house prices, why Sydney and Melbourne are falling while Perth and Brisbane hit records, and what the actual forecast disagreements reveal about where prices go next.
Fixed or Variable? The Question Every Borrower Is Asking Right Now
With rates having risen when most people expected cuts, the fixed-vs-variable question is back on everyone’s desk. Here’s how to actually think it through, rather than just guessing which way the RBA goes next.
What Actually Happens to Your Repayments When the RBA Moves
The RBA lifted the cash rate to 4.60% on 29 September 2026. Here’s the mechanics of how a cash rate move turns into a different number on your repayment schedule — and why the gap between “the RBA moved” and “your bank moved” matters.
The Finance Terms Everyone’s Googling Right Now, Explained Properly
Searches for “mortgage stress” hit a record high in 2026. Here’s a plain-English breakdown of the finance terms people are Googling most right now — no jargon explaining jargon.
Negative Equity: What the Headlines Get Wrong About Who’s Actually at Risk
Negative equity headlines are back, but most people are misjudging both the odds and who’s actually exposed. Here’s the real math, and what it means depending on your position.
Why Rates Rose When Everyone Expected Cuts (And What Borrowers Should Do Now)
Everyone expected the RBA to start cutting rates in 2026. Instead, it raised four times, to 4.60% by the end of September. Here’s why, what it’s costing borrowers, and what to do now.
Canberra Property Market 2026: Rate Rises, Not Cuts, Reshape the Outlook
Canberra’s property market weakened as the RBA raised rates four times through 2026, defying the cuts most forecasters expected. See which suburbs are holding value and what it means heading into spring.
What Your Credit Score Actually Does to a Home Loan Application
Your credit score is only a summary. Here’s how a lender actually reads the credit file behind it in a home loan application, and what to check before you apply.