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Notes & explainers

Reading room.

Straightforward explanations of how lending works, written for the person borrowing rather than the one lending.

A couple reading through bills at the kitchen table

When consolidating debt
saves money, and when it doesn't

One repayment instead of four sounds like progress. Whether it actually costs less depends on the rate, the fees and, above all, the term.

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Reviewing business figures on a tablet beside a calculator

Owing the ATO:
what your options are

A tax debt left alone keeps growing, and since July 2025 the interest isn't even deductible. Here's how people usually deal with it.

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Two people going through documents at a table

Before bankruptcy:
the options to look at first

Bankruptcy is sometimes the right answer. It's rarely the first one. Here's what it involves, and what's worth looking at before it.

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A model house with a set of keys

The real cost of
refinancing, worked out first

A lower rate only helps if it outweighs what it costs to move. Here is what goes into that sum.

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A calculator and pen resting on printed figures

What a comparison rate
tells you, and what it doesn't

Every advertised home loan rate comes with a second number. Here's what goes into it, and why it can still mislead.

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A construction crew on a large concrete slab

How development finance
is actually assessed

Development lenders look at the project before they look at you. Here is what they test, and where projects usually come unstuck.

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Working through figures at a desk

The same payslip,
three different answers

Ask three lenders what you can borrow and you'll get three numbers. Here's what's driving the gap, and how to make it work for you.

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Drawings and notes across a desk

The paperwork that
holds everything up

Applications rarely fall over on the numbers. They stall waiting on documents. Here is what to get in order first.

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Next step

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