Debt Management

INSIGHT

Is fear driving us to edge of property cliff?

Clancy Yeates Key measures of valuation suggest rapid house price growth cannot continue at this pace.

GETTING STARTED

Recycling can turn your bad debt good

Recycling may be the way to go.

David Potts The secret is stepping up your loan repayments and then borrowing whatever the extra was to invest.

Renovate smart to boost property value

Mark Bouris With such low interest rates, if you have been considering a renovation now is a good time to get it done.

Consumers shy away from credit

Clancy Yeates Expensive forms of personal credit are on the nose, recent figures suggest.

ON THE MONEY

Property punch-bowl gets a slug of RBA firewater

John Collett

John Collett After wrong-footing most market watchers in March and April, Reserve Bank had little choice but to cut this time around.

ON THE MONEY

RBA adds fire-water to property punch bowl

John Collett

John Collett After wrong-footing most market watchers in March and April, the Reserve Bank had little choice but to cut rates this time around.

ON THE MONEY

Reserve Bank adds fire-water to the punch bowl

John Collett

John Collett After wrong-footing most market watchers in March and April, the Reserve Bank had little choice but to cut rates this time around.

TIP OF THE WEEK

The secrets to managing debt

It is possible to dig yourself out of debt.

Alex Berlee Before attempting to build up your assets, you need to be clear about what you owe.

ASSET CHECK

Gearing won't be unwound, but risks won't go away

The tax system provides a major incentive for investment gearing.

Daryl Dixon The clever strategy for all investment gearing is to reduce all outstanding personal debts before paying down any investment loan.

BOURIS ON MONEY

Low rates drive hunt for cheaper loans

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Mark Bouris What should you look for if you're shopping around for a better-value mortgage?

FLEXIBLE FRIENDS

Australia's best new credit cards (for your every need)

Select one from the pack.  But beware, some cards will sting you more than others.

Nicole Pedersen-McKinnon Here are the top picks from the new breed of circumstance-specific credit cards – and how to use them so that you, not your provider, win.

BOURIS ON MONEY

Parents want to help – here's how they can

Mark Bouris Research shows they're keen to help their children get a foot on the property ladder, but they don't want to put the family home on the line.

INSIGHT

Locking in a fixed rate loan might be a smart move

Clancy Yeates Even though the Reserve Bank hasn't cut official interest rates since February, the cost of borrowing with fixed-rate home loans continues to fall.

INSIGHT

Pump up a mortgage cushion by overpaying

Noted: Many borrowers appear to be responding to low rates by paying their bank back faster.

Clancy Yeates Low interest rates are giving borrowers the chance to get on top of their debts.

ASSET CHECKJ

Helping younger Australians achieve home ownership

Home ownership is a key part of retirement planning for Australians.

Daryl Dixon Allowing families to save for retirement while enabling their children to buy a home would be a double victory for many.

BOURIS ON MONEY

Flexibility can keep first home buyer's dream alive

First home buyers needn't bend over backwards knots to get a foot on the property ladder.

Mark Bouris You're better to do what you can, rather than worrying about what you can't.

Keep it in the family for a win-win

Both givers and recipients benefit from tax advantages when families help members buy a home.

Daryl Dixon With interest rates low and likely to fall further, assisting the family to achieve home ownership is an increasingly attractive option.

CARD SHARPS

Credit card rate rort nets $14m a month

Nicole Pedersen-McKinnon

Nicole Pedersen-McKinnon Rather than pass on the last rate cut, credit card lenders have made the lucrative move to lift interest charges, making $28m in the process.

BORROWING

Refinancing to renovate has fallen from favour

More people are choosing not to borrow more when they want to upgrade their home.

Michelle Hutchison Fewer home owners are refinancing a home loan to raise the money for home loans - maybe because they don't know how to.

ASSET CHECK

Gearing system showing its age

Daryl Dixon

Daryl Dixon The system is pushing up existing property prices, encouraging even further levels of geared property investment.