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Don’t Be a Violet—Be a Charlie: Stop Chasing Shiny Interest Rates and Start Building Freedom
What % of chocolate bars did Charlie Bucket open Let’s cut straight through the noise.Everywhere you turn, there’s another billboard...

Andrew Nott
Sep 12, 20252 min read


The Most Expensive Mortgage in Australia is the One You Don’t Question
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.

Andrew Nott
Sep 9, 20253 min read


Escaping the Broken Finance System: What Shawshank Redemption Teaches Us
Andy Dufresne, wrongly imprisoned, spends years digging a tunnel with nothing but a rock hammer. One stormy night, he crawls through 500 yards of filth and sewage to break free. He emerges in the rain, arms outstretched, finally liberated.
That scene is unforgettable for one reason: it’s not just about escape. It’s about refusing to stay trapped in a system designed to crush you.
And whether you realise it or not, most people’s finances look a lot like Shawshank.

Andrew Nott
Aug 20, 20252 min read


Hope in View, But Rates Didn’t Move
Consumer Sentiment Index July 2025 The latest snapshot of Australian consumer mood is in — think of it as a barometer for national...

Andrew Nott
Jul 21, 20252 min read


Refinancing 101: When It’s Worth It and When It’s Not
Refinancing your mortgage can be a smart financial move—but it’s not always the right one. Whether you're looking to lower your monthly payment, shorten your loan term, or tap into your home’s equity, understanding the when and why of refinancing is crucial. Let’s break down when it’s worth refinancing—and when it might cost you more in the long run.

Andrew Nott
May 13, 20252 min read


"No" from your bank doesn't mean it can't be done...
We recently had a family come to us in need of help. Both parents working multiple jobs, several young children, mounting personal debt and

Andrew Nott
Apr 8, 20252 min read


Are You Making These Top 10 Mortgage Mistakes?
Mortgages can be daunting, especially for first-time homebuyers. Purchasing a home is a significant financial decision, and avoiding common

Andrew Nott
Aug 8, 20242 min read


How to Make Lenders Love You (and Your Credit Score)
The top 9 ways to improve your Credit Score before submitting a Mortgage Application

Andrew Nott
Aug 7, 20241 min read
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