Clear, practical articles on business and commercial lending, refinancing and buying your first home — written for Sydney and NSW borrowers.
No jargon, no hard sell — just useful explanations of how lending works so you can make confident decisions. Have a question of your own? Kevin is a call away.
How to compare offset-enabled loans on rate, fees, 100% versus partial offsets and redraw — plus the post-settlement linking check ASIC says borrowers miss.
Read ArticleHow Australian fixed-loan break costs are calculated, when they apply, and how to run the break-even maths before you refinance.
Read ArticleWhich lenders pay cashback to refinance right now, how the maths really works, and the three-number test we run before recommending a switch.
Read ArticleThe five inputs that decide whether refinancing your NSW home loan will actually save money — including switching costs, break costs and the break-even test.
Read ArticleWhat lenders actually assess — serviceability, security, deposit and your business numbers — and how to put your strongest case forward.
Read the guideWhen a switch makes sense, the costs to weigh up, and how the process works from your first review through to settlement.
Read the guideDeposits, grants and concessions, the steps to your first purchase, and the support available to NSW first home buyers.
Read the guide