Not all debt is the same. The order you repay in, and the structure you repay it with, is routinely worth tens of thousands of dollars over a loan term.
Start here and work through it.
Step-by-step explainers that take a topic from first principles to a decision you can act on.
Debt management
The four numbers that measure debt health, seven rules for staying on top of it, and what to do if the repayments stop being manageable.
Read the guideUnderstanding debt: A beginner’s guide to loans
Wealth-creating versus wealth-depreciating debt, the loan terms worth knowing, the main types of loan, and the scams to watch for.
Read the guideManaging risks associated with debt: 3 examples
Three worked examples of debt going wrong — and the protections, from income protection to fixed rates to formal debt options.
Read the guideUse your debt to build wealth: 3 strategies and examples
Borrowing to invest, instalment gearing and debt recycling, each worked through with real numbers.
Read the guideApplying for a mortgage: A no-nonsense guide
What lenders actually assess — credit rating, serviceability and borrowing capacity — and the six steps from application to settlement.
Read the guide3 successful strategies to pay off your mortgage sooner
Refinancing, bigger repayments, more frequent repayments and an offset account, costed out for one couple.
Read the guideNot sure where to start?
Take the free financial health check. Ten minutes, six areas, and a plain-English report that tells you which of these topics will make the biggest difference to you first.
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These guides and articles contain general information only. They do not take into account your personal objectives, financial situation or needs, and they are not a recommendation to buy or hold any financial product. Consider whether the information is appropriate for you, and seek personal advice before acting.
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