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It is always good to look under the hood once in a while… Here is an interesting article on the state of play in the banking world…

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Offset vs Redraw - It isn't complicated

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Cost of essential living

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Average equivalised disposable household income

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Earnings Data

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

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Cultural trend of population growth with household size decline

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Who is working and how much?

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Household debt

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Current home loan rates and sizes

https://forgetthebanks.substack.com/p/3-current-home-loan-rates-and-sizes

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Who controls the interest rates?

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Cash Rate vs Home Loan Rate vs Long Term Interest Rate

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

Times are tough - They are far worse than the 17% rates of 1990 on any metric - https://forgetthebanks.substack.com/p/times-are-tough-they-are-far-worse