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Should you choose an offset account or redraw facility?
Choosing between an offset account and a redraw facility sounds simple enough on paper. Both reduce the interest you pay. Both let you use spare money to chip away at your loan. And both appear, in one way or another,…
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Offset vs Redraw: The Hidden Difference That Matters When Your Home Becomes an Investment
For most borrowers, the choice between a redraw facility and an offset account feels trivial. Both aim to reduce the interest you pay on a home loan (put extra money into your loan now, pay less interest later). Day to…
Redraw vs Offset Accounts – what’s the difference?
Home loans often come with two features that look almost identical on the surface: redraw facilities and offset accounts. Both reduce the interest you pay, both shorten the life of your loan, and both appear side-by-side in banking apps. Yet…
Luxury on a Budget: How Designers Make Modest Homes Feel High-End
When you walk into a beautifully designed home, it radiates calm, cohesion, and confidence – the hallmarks of luxury. Designers know that the secret to creating this feeling has less to do with imported marble and more to do with…
What Is Fractional Investing in Property?
For decades, Australian property investing has carried a familiar price of entry: a large deposit, a mortgage, and responsibility for everything from tenants to toilets. As house prices have risen faster than wages, that model has begun to feel out…
Renovations That Add the Most Value in Australia
In a housing market where presentation has never mattered more, it is tempting to assume that fresh paint, styled cushions, and a new benchtop will carry the day. They help, but only to a point. Cosmetic facelifts help you sell;…
Are Offset Accounts the Gold Standard for Home Loans?
When it comes to home-loans in Australia, a feature called an offset account often earns a near-heroic reputation. Put simply: you link a transaction account to your variable-rate home-loan, deposit your salary, savings or other funds into that account, and…
How Mortgage Brokers Get Paid (and Why It Matters)
In Australia’s home-loan market, the role of the mortgage broker often seems straightforward: you meet them, they help you find a loan, you settle on a property, and all is done. But beneath that simplicity lies a vital financial anatomy…
Mortgage Broker vs Bank: What’s the Difference?
Buying a home is one of the biggest financial decisions most Australians will ever make – but before you even start house-hunting, you’re faced with a smaller, crucial choice: should you get your loan through a bank, or go through…
What Drives Australian Property Prices?
Australian property prices are often spoken about as if they rise by default. In truth, they rise because Australia has engineered a system in which property is not only shelter – it is a core tool for wealth creation, retirement…
