Banks aren't charities. In 2024, the big four made $29.9 billion in profit. Here's how your home loan contributes to that number — and what you can do about it.
10 Mar 2026
Interest is quoted annually, charged monthly, and calculated daily. Understanding this one concept is the foundation of every home loan hack.
10 Mar 2026
Switching from monthly to fortnightly repayments could save you $128,000 in interest and cut 5 years off your loan. But there's a catch most people miss.
10 Mar 2026
An offset account is arguably the most powerful tool for reducing your mortgage interest. Here's how it works — and why the bank won't always tell you about it.
10 Mar 2026
Earning 2% on savings while paying 6% on your home loan and 21% on a credit card? That's not saving — it's going backwards.
10 Mar 2026
An extra $100 per month on a $500K loan saves $57,744 in interest. An extra $1,000 cuts the loan term nearly in half. Here's the maths.
10 Mar 2026
Instead of letting your salary sit idle in a savings account, depositing it into your home loan (even temporarily) saves more interest than a savings account earns.
10 Mar 2026
Fixing your rate isn't a bet on the future. Here's when it makes sense — and when you're just gambling with your mortgage.
10 Mar 2026
Albert Einstein reportedly called it the most powerful force in the universe. When it comes to your mortgage, compound interest is working for the bank — not you.
10 Mar 2026
Not all debt is created equal. The interest on your home loan is not tax deductible — but the interest on an investment loan is. Here's why that matters.
10 Mar 2026
People tend to spend all the money available to them. Here's how to use that behavioural quirk to accelerate your debt repayment.
10 Mar 2026
Comparison rates were supposed to help borrowers. Instead, they're based on a $150,000 loan and ignore offset accounts entirely. Here's a better way.
10 Mar 2026
Application fees, monthly fees, annual fees, redraw fees — banks don't just make money from interest. Here's what to watch for.
10 Mar 2026
Multiple accounts, separate spending, credit cards — the typical Aussie cash flow is exactly how banks want it. Time to restructure.
10 Mar 2026
The loan your bank offers first is designed to benefit them. As a first home buyer, here's what to ask for instead.
10 Mar 2026
Negative gearing is one of the most misunderstood concepts in Australian property. Here's what it actually is — and whether it helps or hurts.
10 Mar 2026
Buy low, hold, sell high. Capital growth is the main reason people invest in property. But it's not a guaranteed straight line — here's what you need to know.
10 Mar 2026
What if you could convert your non-deductible home loan into tax-deductible investment debt — without increasing your total borrowing? That's debt recycling.
10 Mar 2026
Cross-collateralisation, loan splits, interest-only vs P&I — how you structure your investment loans matters more than most people realise.
10 Mar 2026
The purchase price is just the beginning. Stamp duty, legal fees, inspections, and lender costs can add $30,000+ to your property purchase.
10 Mar 2026
The ATO lets you claim the declining value of your investment property's building and fixtures as a tax deduction. Yes, really.
10 Mar 2026
College students paid $10 to avoid getting health test results. Many homeowners do the same with their mortgage — they'd rather not know how it really works.
10 Mar 2026