About 17,000 mortgages are refinanced every month around Australia, but many people focus only on the interest rate and don't consider whether they can redraw money or repay the loan early.
Erin and her husband own an investment property in Perth which is now worth less than they paid for it eight years ago. With rents falling, they ask Paul Clitheroe if it's time to cut their losses and sell.
Property prices may be struggling in most capital cities but longer-term investors needn't despair - there are plenty of "cash cow" suburbs that still deliver decent returns.
Labor promised to overhaul negative gearing if elected, but the potential for more downward pressure on house prices will be of significant concern to homeowners.
Many baby boomers who downsize into apartments are struggling to cope with noisy neighbours and dictatorial owners corporations running their own agendas, not to mention surprise special levies.
Codey and his partner owe $45,000 in car loans. Should they scrape together a 5% deposit on an off-the-title block of land to get a foot in the property market?
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