by Chris | Oct 30, 2026 | Buying Guides, Mini Series - Financial Services
Is debt consolidation a genuine fresh start, or the same problem in a new package? It is usually pitched as one payment instead of three or five, with a lower rate and less stress. Sometimes that is exactly what it delivers. Other times the balances have only moved,...
by Chris | Oct 23, 2026 | Buying Guides, Mini Series - Financial Services
Debt or deposit first? It is one of the questions I hear most from people planning to buy a home. Clearing every debt before saving a dollar feels like the responsible move. It is not always the most effective one. Paying down debt and building a deposit do not have...
by Chris | Oct 9, 2026 | Buying Guides, Mini Series - Financial Services
Could your car loan and mortgage plans be pulling in opposite directions? A client of mine financed a new car six months before we talked about her home loan. That one decision sat between the amount she wanted to borrow and the amount she qualified for. Vehicle...
by Chris | Oct 2, 2026 | Buying Guides, Mini Series - Financial Services
Is your owner-occupier home an asset? Most homeowners would say yes without a second thought. The answer changes once you look at what the property pays you each month. The mortgage behind it matters too. Most of the time, a home does grow in value like an asset. It...
by Chris | Sep 25, 2026 | Buying Guides, Mini Series - Financial Services
“I’ve got a personal loan, so I’m guessing I’m not even close to being able to apply.” I hear a version of this most weeks. Personal loans and mortgage applications aren’t as black and white as the stigma suggests. Whether a personal loan helps...
by Chris | Sep 18, 2026 | Buying Guides, Mini Series - Financial Services
I had a client tell me recently she’d been putting off applying for a mortgage for two years. She had a student loan and figured that alone would kill her application. It didn’t come up as an issue at all. Meanwhile, a much smaller personal loan...
