Debt Management

Why the best home loan may not be the cheapest

Noel Whittaker Many homeowners are shopping around for a cheaper mortgage but features such as offset accounts are worth holding on to.

Upgrading your home: moving versus renovating

Noel Whittaker As a person who has both moved and renovated, let me assure you that both create major disruptions in your lifestyle.


Mortgages for older Australians


Mark Bouris Young first-home buyers have been big news lately, but people in their 50s or 60s also face trouble getting into the property market.

Turn over a new leaf and repair your broken credit score

Sylvia Pennington Now is a good time to get financial priorities right.


Cheap debt drives refinancing boom

Clancy Yeates

Clancy Yeates The rush to refinance is on but don't fall prey to common mistakes.


Credit card management: the $4.3b a year we waste

Nicole Pedersen-McKinnon What do credit card companies have to do to get us to abandon them for a better deal?


Celebrate innovation that puts the customer in charge

Caitlin Fitzsimmons dinkus

Caitlin Fitzsimmons The word innovation is in vogue, but what does it mean anyway - and is it worth all the fuss?


5 ways to growth hack your way to mortgage freedom

Owning a home can be incredibly rewarding, but it also comes with a fair amount of financial responsibility.

Heidi Armstrong Stories about people who pay off sizeable home loans in record time are always talked about – but what are some of the tricks to making this happen?


Rewards cards poor value: cardholder survey

The federal government has thrown its support behind most of the recommendations of a Senate inquiry into credit cards.

John Collett Most rewards credit card holders believe that their rewards program delivers poor value.


Monthly mortgage payments fall $254 in five months

The Great Australian Dream of property ownership is not dead, but it needs to shift away from the white picket fence.

Nicole Pedersen McKinnon It's not going to be much consolation to frustrated would-be first-home buyers, but monthly repayments on the average new mortgage are $254 less than they were at Australia's borrowing peak in...


Trying to time the bottom of the interest rate cycle harder than it seems

Even if the RBA reduces the cash rate again this year, that is no guarantee mortgage rates will fall.

John Flavell One of the most common questions mortgage holders ask their broker is: "when is the right time to fix my loan?"

Millennials snapping up cards to get a credit history

Beware the credit rating credit card.

Nicole Pedersen-McKinnon Millennials snapping up credit cards in order to get a credit history should be aware that credit ratings are now warts 'n' all.

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How 'ideal' borrowers can get great mortgage deals from lenders

Chris Reid and his wife Kathryn found a better home loan deal for their Brisbane home.

John Collett Are you the "ideal" mortgage borrower? If, so, lenders want your business.


Why we need a money Nippers to stop drowning in debt

Melissa Browne The number of Australians wallowing in credit-card debt, mortgage debt, car loans and other forms of debt is a real issue, so perhaps it's time we paid the same level of attention to financial safety...


Paying uni fees upfront v taking a HECS loan

John Collett There is not much point in repaying student debt early, especially after the removal of discounts at the end of this year.


Credit card 'reforms' trap Aussies in debt longer

Nicole Pedersen-McKinnon

Nicole Pedersen-McKinnon The average bad marriage lasts 12 years, but the average bad debt on credit cards lasts 27 years.


The best way to pay off debt

More Australians are worried about their finances than two years ago.

John Flavell Australians are increasingly worried about their finances, but there is a simple technique that everyone can use to become debt free faster.


What The Big Short movie can teach ordinary people


Caitlin Fitzsimmons It's exciting watching the traders short the US mortgage market before the global financial crisis, but it's not something the rest of us can emulate.


Debit cards more popular than ever but Australians still hooked on credit

The abstract nature of credit means consumers feel less emotionally connected to the money and are more prone to the risk of blowing their budget.

Sally Rose The use of a debit card to limit reliance on credit is being undermined by consumers keeping a credit card for 'emergencies'.

Rise in payday lending before Christmas

Michelle Hutchison At this time of year many Australians are taking out small loans in the lead-up to Christmas.