Home Loans and the Regulator

Home Loans and the Regulator

If you’ve been following what’s been going on in home loan land in the past two years you may have realised that the unprecedented intervention by the banking regulator, APRA, has had a profound effect on the affordability of a home loan. These effects cut both ways...
Destroying A Brand

Destroying A Brand

There are some brands that mean something to consumers. Indeed, much to the joy of their marketing teams, their brand names have passed into our daily lexicon to signify a particular function or quality unique to their products or services. My mother, for example,...
Interest Rates

Interest Rates

You could be forgiven for thinking that interest rates occupy our minds more than any other topic. Every time a bank moves rates one way or another, it’s headline news. Even when the RBA doesn’t move rates there’s a news story about it. We’ve been conditioned to think...
Living On Your Home Loan

Living On Your Home Loan

There are many talking heads on TV and radio. Newspapers are filled with those giving us advice on how to manage our money, how to think, who to vote for and what to say. Amongst all the rubbish that passes for news or commentary the latest fashion is to bang on about...