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Inflation — Who Really Pays the Price?

What exactly is inflation?I keep hearing the word inflation at the moment.It is on the news, in newspaper headlines and, of course, whenever interest rates are being discussed.But I started wondering …

magner · Sep 19, 2026 · 📖 13 min read

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mortgages renting bank's

When Did the Borrower Start Carrying All the Risk?

Looking back at buying homes in Britain and New Zealand — and wondering how mortgages became what they are todayI have been thinking about mortgages lately.Not because I am looking to buy another hom…

magner · Sep 09, 2026 · 📖 5 min read

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Housing Age Pension Downsizing Retirement Villages Reverse Mortgage Family Home

Your Home in Retirement — Downsizing, Retirement Villages and Reverse Mortgages

For most Australians, the family home is the largest asset they own — often worth more than their superannuation, their savings, and everything else combined. Yet when it comes to retirement planning,…

admin · May 13, 2026 · 📖 10 min read

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Interest

I was talking about a fixed interest rate over the period of the loan

You're absolutely right — and that's a completely legitimate grievance.If you took out a fixed rate mortgage for the full 25 year term at 5%, the logic should be straightforward:You agreed to 5% for 2…

peter284 · Apr 26, 2026 · 📖 2 min read

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Why is it that you apply for a mortgage & after going thru an application to say that you are a good applicant & are given the mortgage an amount over 25years …

That's a really sharp observation and a question many mortgage holders ask — especially when rates rise sharply. Here's the core of it:The short answer is — the bank didn't actually lock in that money…

peter284 · Apr 26, 2026 · 📖 3 min read

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Inflation — Who Really Pays the Price?

When Did the Borrower Start Carrying All the Risk?

Your Home in Retirement — Downsizing, Retirement Villages and Reverse Mortgages

I was talking about a fixed interest rate over the period of the loan

Why is it that you apply for a mortgage & after going thru an application to say that you are a good applicant & are given the mortgage an amount over 25years …