How to refinance your mortgage in a rising rate market: equity release, offset accounts & negotiating with banks

Rising rates and falling property prices always trigger a flood of refinancing, but many of the best deals are done in the early phase of the cycle: like right now!

Rising rates and falling property prices always trigger a flood of refinancing, but many of the best deals are done in the early phase of the cycle - like right now!

Rasti Vaibhav of the Get RARE buyer's agency joins Associate Editor, James Kirby in this episode.

In today's show, we cover:
The magic words...Mortgage Discharge Authority...do they still work?
Getting the best deal from any bank, including your own lender
Exploring refinance alternatives such as lengthening your mortgage period
Optimising the offset - Securing your repayments by using the equity you've accumulated

Rising rates and falling property prices always trigger a flood of refinancing, but many of the best deals are done in the early phase of the cycle - like right now!
Rasti Vaibhav of the Get RARE buyer's agency joins Associate Editor, James Kirby in this episode. In today's show, we cover:
<ul>
<li>The magic words...Mortgage Discharge Authority...do they still work?</li>
<li>Getting the best deal from any bank, including your own lender</li>
<li>Exploring refinance alternatives such as lengthening your mortgage period</li>
<li>Optimising the offset - Securing your repayments by using the equity you've accumulated </li>
</ul>

Unlock your wealth potential with The Money Puzzle.

Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.

Get tips from leading experts and practical tools to help build lasting wealth.

Submit your questions at themoneypuzzle@theaustralian.com.au. 

Unlock your wealth potential with The Money Puzzle.
Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.
Get tips from leading experts and practical tools to help build lasting wealth.
Submit your questions at <a href="mailto:themoneypuzzle@theaustralian.com.au">themoneypuzzle@theaustralian.com.au</a>.&nbsp;

The Australian’s Money Puzzle covers all important finance and property topics.

The Money Puzzle

Every week, The Australian's James Kirby delivers two power-packed episodes featuring in-depth analysis of property markets and smart money-making strategies.

Unlock your wealth potential with The Money Puzzle.

Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.

Get tips from leading experts and practical tools to help build lasting wealth.

Submit your questions at themoneypuzzle@theaustralian.com.au.

Unlock your wealth potential with The Money Puzzle.
Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.
Get tips from leading experts and practical tools to help build lasting wealth.
Submit your questions at themoneypuzzle@theaustralian.com.au.

It's time to refinance your loans - here's what to do

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/f532e6ae-5966-48a5-9286-b4fe0049e4bb/transcript

Late starter investing: How to clear debt, catch up on super and avoid common traps

So you started late as an investor: Don't panic, you are not alone and help is at hand.

So you started late as an investor: Don't panic, you are not alone and help is at hand.

Olivia Maragna of Aspire Retire joins Associate Editor, James Kirby in this episode.

In today's show, we cover:
How to catch up on the mortgage and your super
What to do with student debt
The traps to avoid for the active investor
Beyond negative gearing - optimising your best earning years 

So you started late as an investor: Don't panic, you are not alone and help is at hand.
Olivia Maragna of Aspire Retire joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
<ul>
<li>How to catch up on the mortgage and your super</li>
<li>What to do with student debt</li>
<li>The traps to avoid for the active investor</li>
<li>Beyond negative gearing - optimising your best earning years&nbsp; </li>
</ul>

Investing for the late starter (yes, there's still time)

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/cef809a5-6d10-4dad-99fc-b4ff01865e73/transcript

Anthropic IPO, borrowing to invest in AI, and tax changes: listener questions answered with Hugh Robertson

The queue of listener questions at themoneypuzzle@theaustralian.com.au has been building up: It's time to tackle the task with one of the best advisers in the market.

The queue of listener questions at themoneypuzzle@theaustralian.com.au has been building up. It's time to tackle the task with one of the best advisers in the market. 

Hugh Robertson, CEO of Centaur Financial Services joins Associate Editor, James Kirby on this special episode.

In today's show, we cover:
Assessing the Anthropic IPO
The aftermath of the Bathla collapse
CGT post Budget.
Too much of a good thing: the listener overloaded with Google shares
And much, much more

The queue of listener questions at <a href="mailto:themoneypuzzle@theaustralian.com.au">themoneypuzzle@theaustralian.com.au</a> has been building up. It's time to tackle the task with one of the best advisers in the market.&nbsp;
Hugh Robertson, CEO of <a href="https://centaurfinancial.com.au/" data-saferedirecturl="https://www.google.com/url?q=https://urldefense.com/v3/__https://centaurfinancial.com.au/__;!!F0Stn7g!EXZ6yqrfGR2i6Dyl84jXpjAeSRe-9TAjugGwdJRNIPH1m14Hl-BYaZ3hYH-KHmfhBu_7CogIXntaK9MjuJ5aK6zBjosHouai$&amp;source=gmail&amp;ust=1793932949193000&amp;usg=AOvVaw00qZF6W4ydccLRSqjCBevu">Centaur Financial Services</a> joins Associate Editor, James Kirby on this special episode.
In today's show, we cover:
<ul>
<li>Assessing the Anthropic IPO</li>
<li>The aftermath of the Bathla collapse</li>
<li>CGT post Budget.</li>
<li>Too much of a good thing: the listener overloaded with Google shares</li>
<li>And much, much more</li>
</ul>

Special Episode : Listener questions answered

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/776b7ca7-61bc-424f-90f7-b4f9002a6e22/transcript

How much super do you need? Navigating Australia's pension sweet spot and superannuation thresholds

Most people focus on hitting a dollar figure when it comes to super savings, but a closer look at the system shows a 'sweet spot' for pension access that serves as the crucial issue for most Australians.

Most people focus on hitting a dollar figure when it comes to super savings, but a closer look at the system shows a 'sweet spot' for pension access that serves as the crucial issue for most Australians.

Financial adviser, James Gerrard of www.financialadviser.com.au joins Associate Editor, James Kirby in this episode.

In today's show, we cover:
How much should you have in super
Finding the 'sweet spot' for pension access
Avoiding 'the worst of all worlds' where you miss out on easy money
How to assess 'pension boost' products from the big funds

Most people focus on hitting a dollar figure when it comes to super savings, but a closer look at the system shows a 'sweet spot' for pension access that serves as the crucial issue for most Australians.
Financial adviser, James Gerrard of <a href="https://www.google.com/url?q=http://www.financialadviser.com.au&amp;sa=D&amp;source=editors&amp;ust=1793679127727233&amp;usg=AOvVaw0_azfM2yZ-NpkKZBLGHLea" data-rawhref="http://www.financialadviser.com.au">www.financialadviser.com.au</a> joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
<ul>
<li>How much should you have in super</li>
<li>Finding the 'sweet spot' for pension access</li>
<li>Avoiding 'the worst of all worlds' where you miss out on easy money</li>
<li>How to assess 'pension boost' products from the big funds </li>
</ul>

How much super do you need? Finding 'the sweet spot'

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/fdf5700b-dae2-4a43-b404-b4f70046e565/transcript

It's time to refinance your loans - here's what to do

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