Perth’s housing market has continued its upward climb through 2025, defying wage growth and stretching affordability to new limits. Between 2012 and 2024, the average wage in Perth rose by just 37.5%  in current dollar terms. Over the same period, house prices surged by 95.1% . Even with a cooling economy and rising living costs, property prices have proven remarkably resilient, leaving many West Australians wondering if the dream of home ownership is slipping permanently out

When you fall in love and start building a life together, it’s natural to want everything in both names: the joint account, the bills, and yes, even the house. One of the most common questions I hear from couples is: “Should I add my partner to the mortgage or property title now that we’re married (or in a de facto relationship)?” It can feel like the logical next step. A symbol of unity and shared commitment. But beneath that beautiful sentiment lies a mix of financial, lega

If you’ve bought property before, you probably know the basics: deposits, contracts, inspections, settlement. You’ve been there, done that. But in today’s fast-paced market, even the most experienced buyers are realising that getting a fresh pre-approval  isn’t just a formality, it’s a secret weapon. Because when homes are selling within days and competition is fierce, being ready to act  can make all the difference. What Pre-Approval Really Means (and Why It Still Matters) A

If you’re buying your first home, you’ve probably heard people talk about getting a pre-approval , but what does that actually mean? Think of a pre-approval as your financial green light. It’s a bank’s way of saying, “We’ve looked at your situation, and based on what we know, we’re confident to lend you up to this amount.” It doesn’t mean your loan is formally approved yet, but it gives you a clear understanding of your budget, and a lot more confidence when you start looking

One of the biggest decisions when taking out a home loan is deciding whether to go with a variable rate , a fixed rate , or a combination...

When managing your home loan, selecting the right repayment frequency isn't just a matter of convenience; it can significantly impact the...

As a property investor, structuring your home loan effectively can lead to significant financial advantages. One such strategy involves...

When helping clients set up their home loans, one question I often ask is whether they’d like an offset account. While offset accounts...

For years, I’ve worked one-on-one with hundreds of people as a coach who focused on practical, real-life money support. I’ve walked...

We’re living through a time where the cost of living is rising faster than many of us expected. Groceries, rent, utilities—everything...

Managing your money doesn't have to be complicated or overwhelming. In fact, with the right approach, it can be empowering and even...