Archive - ForgetTheBanks’ Substack

Is It Time to Refinance Your Home Loan? Here's Why It Might Be

May 7 •

February 2025

Be Careful Who You Listen To

The Social Media Trap for Homeowners

Feb 5 •

August 2024

Offset vs Redraw - It isn't complicated

Key points to understand before deciding what is right for your situation

Aug 6, 2024 •

May 2023

Times are tough - They are far worse than the 17% rates of 1990 on any metric.

"We had 17% in our day..."

May 1, 2023 •

April 2023

10. Cost of essential living

Are wages keeping up with inflation?

Apr 30, 2023 •

9. Average equivalised disposable household income

After tax, and family weighted in the pocket, disposable income

Apr 30, 2023 •

8. Earnings Data

1990 vs 2023 - Average and Median

Apr 29, 2023 •

7. Rate rises & the cost of debt to the Australian tax payer

The burden of interest on government debt

Apr 29, 2023 •

6. Cultural trend of population growth with household size decline

Smaller homes = smaller families

Apr 29, 2023 •

5. Who is working and how much?

How busy is the hive? Is it getting busier?

Apr 29, 2023 •

4. Household debt

Debt level comparison 1990 - today

Apr 29, 2023 •

3. Current home loan rates and sizes

Our position today

Apr 29, 2023 •

#nojs-banner { position: fixed; bottom: 0; left: 0; padding: 16px 16px 16px 32px; width: 100%; box-sizing: border-box; background: red; color: white; font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol"; font-size: 13px; line-height: 13px; } #nojs-banner a { color: inherit; text-decoration: underline; } This site requires JavaScript to run correctly. Please turn on JavaScript or unblock scripts