Loan Types and Structure

Fixed, variable, split, offset, redraw, interest-only and how to choose.

Interest only lowers your repayment now and raises it sharply later. Where it is a legitimate strategy, and where it is a sign of trouble.

Loan Types and Structure

Your loan rolls onto a revert rate that is rarely the best the lender offers. What to do about it, and when to start.

Loan Types and Structure

Both reduce your interest by the same arithmetic. They differ on access, on tax, and on whether the bank can take the money back.

Loan Types and Structure

Fixing is not a bet on rates, it is a purchase of certainty. What you give up for it, what break costs really are, and when splitting is…

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