This week, the mortgage market has been noisy. The RBA cash rate is still high, but some lenders have started cutting selected home loan rates. At the same time, auction clearance rates in several markets remain softer, so buyers may feel they have more room to compare. That sounds like good news. But before you spend the weekend rushing through open homes, check the basics first. 1. A lower rate does not mean you can automatically borrow more Lenders still look at income, sp

This week, some Australian lenders have started cutting selected home loan rates, even while the RBA cash rate remains high. For many mortgage holders, the first thought is: “Should I refinance now?” Maybe. But do not rush. A lower rate is a reason to review your loan, not a reason to switch without checking the full picture. 1. A low rate is not the only thing that matters Some loans look cheaper, but may have fees, fewer features, different offset options or a structure tha

Many small business owners in Australia are hearing more about trusts, company structures and tax planning. It may sound like something only accountants need to care about. But if you are self-employed, run a company, operate a family business, or plan to apply for a business loan or home loan, the simple idea is this: Making money is one thing. Having clean records, clear structure and steady cash flow is another. 1. Your structure may not need to change, but you should unde