Debt Management

John Collett

On a fair dinkum comparison, these rates are low

John Collett dinkus

John Collett The Commonwealth Bank’s 5-year fixed home loan interest rate of 4.99 certainly hit the headlines when it was announced on Wednesday.

GETTING STARTED

Cheaper to rent than buy? The debate continues

Property costs: the costs of owning a house are estimated to be higher than those of renting.

David Potts A recent paper suggested renting a home is now cheaper than buying. But it's not that straightforward.

Interest rates at the right setting

Mark Bouris dinkus.

Mark Bouris We owe far more than we earn, but is there any need to restrict the housing market?

GETTING STARTED

Why we all need to give a damn about the less well off

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Penny Pryor Helping break the poverty trap for people with small interest-free loans, will benefit the whole country in the long run.

BORROWING

How to cut your mortgage in eight steps

Mark Bouris dinkus.

Mark Bouris Could you save money on your mortgage? Ask yourself some simple questions to find out.

GET AHEAD

Take a ride on the low-interest train

Mark Bouris Take advantage of the cheap cash-rate environment while it lasts.

INSIGHT

Household debt climbing, but we can take it

Household debt.

Clancy Yeates Australian households have a well-deserved reputation for taking on large amounts of debt - and recent numbers show why.

RATES

Bond boom pulls down rates as banks sit pat

David Potts dinkus.

David Potts The truth is the market is becoming less convinced there'll even be a rise next year.

INVESTMENT PROPERTY

Rising rates threaten negative gearing party

The number of debt-laden landlords is growing.

Clancy Yeates As the typical house price rises, so does the number of debt-laden landlords.

MORTGAGES

Beyond the big four banks

Karl Hilzinger colour cartoon.

Christine Long Love to hate the major banks? Three alternatives seek to challenge the status quo.

Borrowing tips for self-employed, contractors

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Mark Bouris Contractors and the self-employed face more obstacles than wage earners when it comes to home loans. Here's how to make the process easier.

CREDIT CARDS

Dumb debt can rack up interest costs

Credit card debt.

David Potts It's more about when, rather than where, the credit's due that should worry you.

THE 'HONEST' BROKER

You'll never beat the banks by fixing your rate

Fixed rates are for chickens.

Marcus Padley Basically, fixed rates are designed for chickens and the over-geared. If you're fixing because you're over-geared, it's simple: you are borrowing too much.

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PROPERTY

Head over heart the best tip

Melissa Browne Buy a new place, and rent out the old one? Make sure it is a financially sound move.

LOW-DEPOSIT LOANS

Seeking to get a foot in the door

Christine Long For first home buyers battling to get into Australia's competitive property markets, 95 per cent home loans can offer a doorway in. But borrowers should do their homework first.

MORTGAGES

How to ask for more money

Mortgage.

Christine Long Doing some home improvements or getting a new set of wheels doesn't have to trigger a complete mortgage makeover.

INSIGHT

Light at the end of the tunnel for savers

Clancy Yeates You wouldn't guess it but almost two-thirds of households don't have a mortgage.

SUIT YOURSELF

Does red zone thrill, or are you still a bit green?

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Emily Chantiri It is never too early to start investing, but one strategy does not suit all.

RATES

Do the sums on mortgage options

Mark Bouris With low interest rates forcing competition among lenders, price is not the only factor.

PROPERTY

It pays to keep a cool head

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Melissa Browne Let me share my tips for safely navigating the treacherous waters of the property market.