Most people start an extra-repayment habit strong, then life gets busier. Here's what 2 years of consistency is actually worth on a $600k loan — and what stopping costs.

"Debt-free in 7 years" ads are everywhere. Here's what actually shortens a mortgage - and what the ads are really selling.

Confused by mortgage advice online? This article cuts through the hype and explains what actually matters when choosing and managing an Australian home loan. Written by Ian Freeman, mortgage broker, Perth WA.