Debt Recycling in Retirement: Should You Keep the Loan?
You’ve made it. After years of paying down your home loan, building equity, and possibly implementing a smart debt recycling strategy along the way, you’ve reached a major financial milestone: your mortgage is either gone or nearly gone. And now, a new kind of question emerges. It’s one that isn’t often talked about: This stage […]
Using a Line of Credit for Debt Recycling in Australia
Have you ever felt stuck between wanting to pay off your mortgage faster and wanting to invest for your future? It’s a common challenge, and it’s exactly where debt recycling strategies come into play. But did you know there’s more than one way to structure debt recycling? While traditional split loans are popular, a line […]
Interest-Only vs Principal & Interest Loans for Smarter Debt Recycling in Australia
When it comes to making debt recycling work for you, choosing the right loan structure isn’t just a footnote. It’s the foundation. The type of home loan you choose, whether interest-only or principal and interest, can have a major impact on how effectively you reduce your mortgage and grow your investments over time. At Unconditional […]
Family Guarantee Home Loans: Buy Sooner with No Deposit
Saving a 20% deposit while keeping up with rent and rising living costs can be challenging for many Australians. For many first home buyers and single parents, the upfront cost of homeownership is one of the biggest hurdles to overcome. A Family Guarantee Home Loan could be the support you need to buy a home […]
Two-thirds of property investors are negatively geared…
Surveys of property investors have confirmed that although investing can be a fantastic way to build long-term wealth, investors need to be prepared to weather periods of negative cash flow, especially in the early years. The Property Investment Professionals of Australia (PIPA) found that 65% of the investors they surveyed were negatively geared in 2024, […]
Most home loan customers could withstand a financial downturn: RBA
The Reserve Bank of Australia (RBA) has found “the vast majority of borrowers would remain able to service their debt under a range of plausible economic scenarios”, according to the central bank’s latest Financial Stability Review. Crucially, about 97% of borrowers have positive cash flow, which means they’re able to meet their mortgage commitments and potentially […]
How To Pay Off Your Mortgage Faster in Australia
Imagine owning your home outright years ahead of schedule. No more monthly repayments, no more interest, and complete control over your financial future. With cost-of-living pressures rising and interest rates still a concern for many Aussie homeowners, more borrowers are looking for practical ways to cut their mortgage in half and become debt-free sooner. But […]
