Articles
Plain English on the parts of lending that catch people out.
Written by Jack, checked for accuracy, and kept short enough to read on a phone.
Refinancing
What refinancing actually costs
Most people work out whether to refinance by comparing two interest rates. That is the easy part, and it is not the part that decides it. The costs of moving are what turn a good looking switch into a pointless one.
9 October 2026Read article
Market update
Mortgage demand is down. Here is what that actually means for buyers
The latest credit data shows fewer people applying for home loans than a year ago, and the ones still applying face less competition. Here is what the numbers actually say, and why a quieter market can work in a buyer’s favour.
18 September 2026Read article
Home loans
What a bank sees when you have a HECS debt, a car loan and a credit card
Three things that quietly reduce what you can borrow, and they do not all work the same way. Here is what a lender is actually looking at, and what you can do about each one before you apply.
11 September 2026Read article
Self-employed
Buying in a trust or company name, and when it is worth the extra work
A trust or company structure can still make sense for buying property, but fewer lenders will look at it and the ones that will have tightened their policies. Here is what has changed and how to decide whether the structure is still worth it for you.
11 September 2026Read article
Refinancing
What happens to your repayments when a fixed rate ends
The revert rate is rarely the one you would have chosen. Here is what actually happens when a fixed period ends, when to start the conversation, and why waiting until it rolls costs you options.
3 September 2026Read article
Self-employed
What a lender actually wants to see from someone self-employed
The usual problem is not that you cannot afford it. It is that your income is legitimately hard to read from the outside. Here is what the assessor is actually looking at, and why two lenders can look at the same business and reach completely different answers.
3 September 2026Read article
Worth a conversation before you go to a bank.
No obligation, no application, and I will tell you honestly if I am not the right person for it. Give me a call or send a note and I will come back to you.
Belrose NSW By appointment Northern Beaches and Eastern Suburbs