Money
Borrowing
Opinion
Ask an expert
You can get a 'real' mortgage offset account cheaper than you think
Along with small banks, building societies and credit unions, loans from what are called mortgage managers can carry a 'real' offset deal.
- by Nicole Pedersen-McKinnon
Latest
Opinion
Home loans
The two-step formula to finding your 'safe' borrowing limit
In these troubled economic times it is important to calculate a 'safe' borrowing limit when you purchase a new home.
- by Nicole Pedersen-McKinnon
Analysis
Responsible lending
Responsible lending overhaul urged after Westpac decision
The adequacy of responsible lending laws in protecting consumers needs be reviewed after a test case has revealed some likely gaps in the law.
- by John Collett
Analysis
Household debt
Households are now more debt-shy, but will it last?
Signs show consumers are battening down the financial hatches in the wake of the COVID-19 pandemic.
- by Clancy Yeates
Opinion
Ask an expert
Find the best mortgage rate for you, whether an owner occupier or investor
Now is one of the rare times I would give the green light to fixed rates.
- by Nicole Pedersen-McKinnon
Big four
Weigh all options before extending mortgage 'holiday'
Borrowers may have to pay more per month after a pause to catch up on forgone deposits.
- by John Collett
Opinion
Home loans
The big four banks and mortgage repayment 'holiday' traps
You run the risk that any overpayments you have sitting in your mortgage could be subsumed into your loan balance.
- by Nicole Pedersen-McKinnon
Opinion
Home loans
Interest rates on new loans drift lower amid wave of cheap money
Home loan customers are in the box seat to demand a better deal as a global fall in the cost of money prompts banks to cut the interest rates on new loans.
- by Clancy Yeates