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House affordability – houses are just so much more expensive these days compared to when I was young. This is the usual train of thought  but statistics produced by Craig James – chief economist  from Commsec- show that this may not be quite right especially over the last ten years. During this time, disposable incomes […]

With a variety of mortgage reduction techniques available, simple, low-risk fortnightly repayments could prove to be a very effective way to help you reach financial freedom sooner. With fortnightly payments, essentially the concept is very simple. You make a payment every two weeks, there are 26 fortnights in a year, therefore annually you make 13 […]

12 March hardly sounds like a key date in history.  But, for those looking to get a loan, 12 March 2014 could be a key date that determines whether or not this happens and this is due to significant changes in how credit scoring works. The most important step in understanding these changes is to […]