Mark Bristow

Peak and off-peak electricity times explained

Knowing the difference between peak and off-peak electricity could make a huge difference to your electricity bill.

Average electricity prices in Australia per kWh

Do you know if the rate you’re paying to use electricity - the usage charge - is too much?

What is the average electricity bill?

It can help to know what the average electricity bill looks like, and how to compare electricity plan options, to reduce any stress, or even help you switch to a cheaper plan altogether.

10 ways to save on electricity and gas at home

Whether you’re trying to be more environmentally conscious, or are sick of paying through the teeth for your utilities, Australian homeowners are increasingly seeking ways to trim down their electricity and gas expenses.  

How much could you retire with? This super fund knows

Superannuation can sometimes feel a bit like a simple savings account or term deposit – money goes in, earns interest, and doesn’t come out again until you retire. But did you know that some Australian super funds offer financial education, advice and other services? Not all Australians take advantage of these services, which could make a big difference to your retirement plans.

Can a mortgage broker charge a cancellation fee?

You normally don’t pay a fee for the services of a mortgage broker. However, if the broker does the work for you and you decide not to apply for a home loan, the broker may sometimes charge a cancellation fee. There are also other fees a broker may charge in certain circumstances, such as a clawback fee. 

How to avoid overstretching your home loan budget

The more you can borrow for a home loan, the higher the property prices you may be able to afford. While this could let you purchase your dream home or investment property, pushing your finances too far could risk putting you in mortgage stress.

Which bank is best for first home loans?

Because a home loan is a major financial commitment, it makes sense to look for the best possible option for your first mortgage. To find the best mortgage lender for your needs, you may need to look beyond just the interest rates and consider each lender’s features and benefits, including their customer service.

What to expect from the RBA meeting in March 2023

In February 2023, the Reserve Bank of Australia (RBA) sprung out of the blocks ready to take on inflation, hiking the cash rate by 25 points. Most of Australia’s major banks are expecting a repeat performance at the March 2023 meeting, though it’s not certain when the cash rate will reach its peak, or when the RBA will start cutting rates. 

Why lenders may use exposure limits to curb the size of your mortgage

Exposure limits are the maximum amounts that lenders will let you borrow, taking all your current debts into account. For property investors taking out a mortgage when they’re already paying off others, debt exposure can be a dealbreaker.