Rate Cuts By Stealth

Rate Cuts By Stealth

You may have read recently about various economic facts and figures as they have been made public by our economic sleuths. For instance, you may have heard about the levelling out (in some cases, a fall) in various housing markets around the country. You may have...
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...

Interest Only

When I first put in place a home loan 32 years ago all I could think about was how I was going to pay it off and own my own home. The day I made the final repayment was one I’ll always remember. I was free of the bank…until we decided to upgrade but that’s another...