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.  

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.

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.

Some of the best home loans in March 2023

Interest rates are widely tipped to rise at the next meeting of the Reserve Bank of Australia (RBA), with at least one more hike expected to follow. As the cash rate potentially approaches its peak, what will this mean for Australian homeowners and first home buyers?

How to get multiple mortgages for investment properties

Investing in real estate can let you benefit from rental income today and potentially capital gains in the future if your investment property’s value increases. The more investment properties you add to your portfolio, the more of these benefits you could potentially enjoy.