Tim's Insights
Straight-talking finance content from our broker team — no jargon, no sponsored fluff. Just the information you need to make better decisions with your money.
Fixed vs Variable: Which Rate Should You Actually Choose Right Now?
With the RBA signalling a cautious path through the rest of 2025, the fixed vs variable question is more loaded than usual. We break down what each means for your repayments, your flexibility, and your long-term interest bill — and give you a framework to decide.
The Hidden Costs of Refinancing Nobody Talks About
Discharge fees, break costs, LMI, and valuation fees can turn a great headline rate into a bad deal if you don't account...
6 Legal Ways to Increase Your Borrowing Capacity Before Applying
Lenders assess your capacity using a serviceability buffer that's often higher than the actual rate. Small changes to your finances in the...
Commercial vs Residential: Which Investment Property Loan Is Right for You?
Commercial loans carry higher rates and lower LVRs than residential — but the rental yields and depreciation benefits can more than compensate....
How an Offset Account Can Save You $80,000 in Interest
An offset account linked to your home loan reduces the balance interest is calculated on — every dollar in it is a...
RBA Holds — What June’s Decision Means for Borrowers
The RBA left the cash rate unchanged at its June meeting, but the statement language shifted. We decode what that means for...
5 Things First Home Buyers Get Wrong About Pre-Approval
Pre-approval is not a guarantee — and treating it like one can cost you the property. These are the misconceptions that catch...
SMSF Property Investing: What the ATO Actually Allows (and What It Doesn’t)
The rules around SMSF property are tighter than most people expect. We cover the sole purpose test, related-party restrictions, and the loan...
How to Use Your Home Equity to Buy an Investment Property
Your existing home could be the deposit for your next one. We walk through the equity release process, the lending rules lenders...
Why Your Bank Is Counting on You Never Reviewing Your Rate
The loyalty tax is real — and it compounds every year you don't act. Here's exactly how much Australian homeowners are losing,...
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