Everyone’s waiting.Waiting for the next RBA meeting. Waiting for rates to drop. Waiting for a “better time.” And yet, every month that passes, the same story repeats itself, prices keep nudging up, competition creeps back, and the so-called “window of opportunity” quietly shuts a little more.

Let me ask you something straight:When was the last time you seriously questioned your mortgage? Not just glanced at the interest rate and shrugged. Not just assumed the bank must be looking after you. I mean really questioned it. For most Australians, the answer is: never.

The truth about mortgages Every ad shouts the same thing: “low rates.”Every billboard flashes: “fast approvals.”And every big bank tries...

Investing in Property with Your SMSF: It's Like Monopoly, But Real :)