Blog
Fixing vs. Variable: Finding the Right Home Loan Rate (and How to Split for Flexibility)
8 mins readHow to decide between a fixed and variable home loan, including the pros, cons, and how to split your mortgage for stability and flexibility.
Salary Sacrifice Into Super: How It Works (With Calculator)
3 mins readA practical guide to salary sacrificing into superannuation: tax, take-home pay, and what the numbers look like. Includes a calculator to model your own scenario.
Buying an Investment Property in Australia: From Deposit to Tax Benefits
10 mins readThinking about buying an investment property? Learn how deposits, rents, borrowing, negative gearing and tax deductions all work in one practical, plain-English guide.
Account-Based Pensions in Australia: How Withdrawals Work, Minimum Rates, and How Long Your Super May Last
7 mins readAccount-based pensions are the most common way Australians draw an income from their super after retirement. But how much can you withdraw, how long will your money last, and what happens if markets fall? Here’s a practical guide using real examples.
How to Pay Less Tax in Australia: A Practical Guide for 2025
6 mins readSmart, legal ways everyday Australians can reduce tax — explained in plain English, with worked examples and practical tactics.
Age Pension Explained: Rules, Rates & How to Increase Your Entitlements
4 mins readUnderstand the Age Pension rules, income and assets tests, and practical steps to improve your entitlements. Updated with 2025 rates and examples.
Debt Recycling in Australia: How It Works, Risks, Tax Benefits, and a Step-by-Step Example
11 mins readDebt recycling is an advanced mortgage strategy used by Australian homeowners to turn non-deductible home loan debt into a tax-deductible investment loan over time — without increasing your monthly repayments. Here's how it actually works, who it’s for, and the key risks.
How to Use an Account-Based Pension Calculator (Australia 2025 Guide)
3 mins readUnderstand your Account-Based Pension like a pro. Set a target income, apply CPI indexing, and see how investment returns and fees shape your balance over time.
Loan Repayments: Weekly vs Monthly (What Actually Saves More?)
3 mins readShould you repay weekly, fortnightly or monthly? We break down which repayment schedule saves more interest and how small extra payments can knock years off your mortgage.
Savings Goal Calculator: How Much Should I Save Each Week?
3 mins readWork out exactly how much you need to save each week or fortnight to reach your goal — whether it's a holiday, new car, or emergency fund — with our simple savings goal calculator.
Compound Interest Explained: How Your Money Grows (With Examples)
4 mins readDiscover how compound interest helps your savings snowball over time. This clear, example-driven guide explains the maths, shows real-life examples, and includes a free calculator to project your future wealth.
How to Use a Mortgage Repayment Calculator (Australia 2025 Guide)
3 mins readLearn how to estimate your home loan repayments like a pro. Compare interest rates, repayment frequencies, and extra payments to see how small changes can save thousands over time.
LITO Explained: Do You Qualify?
1 min readA simple guide to the Low-Income Tax Offset, phase-out points, and common questions.