Insights

• Fixed or adjustable? How to choose a mortgage rate

  The honest trade-offs, and a simple way to decide based on how much surprise your budget can take.

• Refinancing: when it actually saves you money

  Switching costs are real. Here is the quick maths to know whether a lower rate is worth the paperwork.

• Property or funds: where should your next $25k go?

  Liquidity, risk, income and effort compared in plain language, with no hype either way.