Tracey Franco

Interest rates continue to shape the Australian property market. Each update from the Reserve Bank of Australia influences borrowing capacity, repayment levels, and buyer confidence. The latest decision has again placed focus on how rates affect property plans. For many buyers, the key question is how to respond. Understanding how the RBA cash rate impacts…

Buying your first home or next property is a major decision. One of the first questions many buyers ask is whether to build or buy an established home. In Perth, both options are popular. Each comes with different costs, timelines, and risks. If you are comparing building versus buying established property in Perth, it is…

Life rarely stays the same for long. Income can change, family needs can grow, and financial goals often shift over time. A home loan that worked well a few years ago may no longer match your current situation. This is where reviewing your refinancing options may come into focus. Many Australians review their loans to…

Buying your first home in Western Australia is a big step. It is exciting, but it also comes with many choices. One of the most important decisions is choosing between a fixed or variable interest rate. Many buyers search for answers about fixed vs variable home loan WA options. They want to understand how each…

Property investment remains a popular strategy in Western Australia. As at early 2026, Perth’s rental market has remained relatively tight, although vacancy rates have moved closer to REIWA’s balanced range.  With recent interest rate changes and evolving lender policies and serviceability settings, many investors are reviewing their loan structure. One option often discussed is the…

Many Australians review their home loan every few years. Yet many stay with the same lender for a long time without checking their options. More Australians are exploring refinancing options. This reflects rising interest rates, changing living costs, and new lending products entering the market. What Does Refinancing a Home Loan Mean? Refinancing is when…

The Digital Mortgage Revolution: Blockchain in Aussie Home & Business Loans Blockchain technology is changing how mortgages work in Australia. This new tech brings transparency and efficiency to an industry that has long relied on paper and slow processes. The shift towards digital mortgage solutions is happening right now, with blockchain in mortgage lending leading…

Loan redraw allows borrowers to access extra repayments they have made on their home loan. Early repayment penalties, often referred to as break costs, may apply when a fixed-rate loan is repaid or refinanced before the end of the fixed period. Understanding how these features work is an important part of managing a home loan…

Debt recycling is a strategy that replaces non-deductible debt with deductible investment debt, helping you build wealth in a more tax-effective way. It aims to replace non-deductible home-loan debt with investment debt, where interest may be deductible if the borrowed funds are used to produce assessable income. Any tax benefit depends on your circumstances and…

Are you caught between the debt snowball method and the debt avalanche method? Let’s simplify things. The snowball method pays the smallest debt first for motivation while making minimum repayments on all other debts. On the other hand, the avalanche method targets the highest interest rate first to minimise total interest paid. This guide explains…