AMP's 40-year investor loan: what Equity Flex actually means for your cash flow
AMP Bank has launched Australia's first 40-year home loan, with up to 10 years interest-only for investors. How it works, the serviceability catch, and who it suits.
Plain-English thinking on the financial questions that actually matter.
Articles written by an adviser, for the people he advises. Mortgages, super, insurance, retirement, regulatory changes, real Melbourne examples. No jargon, no listicles, no AI-generated fluff. Just the answers I'd give a client across the table.
Can you buy a home with a 2% deposit? How Connective Skip works
A new broker-only home loan lets eligible buyers purchase with a 2% deposit, no LMI, no guarantor and no equity sharing. How it works, what it costs, and who it suits.
EOFY 2026: what to do with your super and tax before 30 June
The $30,000 cap, the carry-forward amounts that expire forever on 30 June 2026, the new Division 296 tax, and why this year's deductions beat next year's. The checklist, in the order an adviser would run it.
What does AFSL 519446 actually mean?
A plain-English explainer of what an Australian Financial Services Licence is, what AFSL 519446 specifically authorises, and how to check any adviser's licence yourself.
5% deposit, no LMI: How the First Home Guarantee works in 2026
Plain-English explainer of the federal 5% deposit scheme for Melbourne first home buyers — how it works, what you save in LMI, who qualifies, and how it compares to the Vic Homebuyer Fund and Help to Buy.
More articles coming.
New piece every two weeks: mortgages, super, SMSF, insurance, retirement, and what's changing in Australian financial regulation.
New piece every two weeks: mortgages, super, SMSF, insurance, retirement, and what's changing in Australian financial regulation.