Rolling Debts Into Your Mortgage: The Full Maths (Including the Catch)
Consolidation can cut your monthly repayments dramatically - or quietly cost tens of thousands. The honest maths, both directions.
Read article →Plain-English guides to home loans, grants and refinancing - written to help Melbourne buyers and owners make confident, well-informed decisions.
Consolidation can cut your monthly repayments dramatically - or quietly cost tens of thousands. The honest maths, both directions.
Read article →Three honest ways to deal with multiple debts - and who each one actually suits, including the option that involves not borrowing at all.
Read article →The short-term dip, the long-term lift, and the two mistakes that undo it all - how consolidation really affects your file in Australia.
Read article →Equipment finance, cash-flow cards, sometimes ATO debt - how consolidation works when your income comes from your own business.
Read article →Eight signs refinancing is worth exploring, six signs it isn't - including the free move almost everyone skips and the cases where staying put wins.
Read article →What a 0.25%, 0.50% and 0.75% rate difference really means on a $500k–$750k loan - monthly and over the full term, with honest caveats.
Read article →Every fee involved in switching - discharge, government, setup, LMI and fixed-rate break costs - and the break-even test that decides it.
Read article →The revert-rate trap and the step-by-step timeline: what to do 90, 60 and 30 days before your fixed term expires.
Read article →What your equity can actually do, how much lenders let you use - and the honest cases where I'd talk you out of touching it.
Read article →The documents lenders need, how add-backs lift your assessable income, low-doc alternatives, and why timing around a good year matters.
Read article →Everything you need to know about first home buyer grants, stamp duty concessions and government schemes in Victoria for 2026 - explained in plain English.
Read article →Thinking about refinancing your home loan? Here's exactly how the process works in Melbourne - from assessment to settlement - explained simply.
Read article →Self-employed and struggling to get a home loan? Here's what Melbourne lenders actually assess, your options beyond the big banks, and how a specialist broker can help.
Read article →Tell us a little about your situation and Michael will point you in the right direction - over a (virtual) coffee, of course. No obligation, and complimentary to you.