Expert advice on home loans, business finance, and financial planning
Jokuda Insights | July 2026 Here's something most business owners don't realise: the lending market has moved on from the idea that a credit file has to be spotless before anyone will look at you. The...
It's easy to read that as a blip. I don't think it is. What's pulling prices down isn't a oneoff. Borrowing capacity has dropped 7 to 8 percent on the back of higher rates, and that feeds straight int...
For a decade, the Australian property investor's playbook barely changed: buy in a capital city, ride the capital growth, wear the negative gearing, repeat. In 2026, that playbook is under pressure — ...
An insight piece for Australian pensioners — and the families helping them. There's a quiet myth that being on the Age Pension shuts you out of borrowing. It doesn't. Australian credit law sets no max...
What the Consumer Data Right expansion means for borrowers, business owners, and anyone with an Afterpay account they've forgotten about. For years, open banking in Australia really only covered the b...
A Jokuda market insight — June 2026 For most of last year, the conversation in Australian lending was about how far rates would fall. That conversation is over. The Reserve Bank has reversed course wi...
Published by Jokuda | May 2026 You got approved. The bank said yes. The keys are yours. So why does every month still feel like a scramble? You're not imagining it. And you're not alone. Right now, o...
Plain English. No jargon. Three changes that hit your home loan whether you noticed or not. The three things you need to know Tuesday night's federal budget did three things that affect every Austra...
The new CGT rules just handed every existing property investor a onetime, can'tberedone tax break. Most won't realise it exists until it's too late. Here's what's actually at stake, and what you need ...
There was a time when eBay was the internet's flea market, garage sale, and antique store all rolled into one. You could buy a Beanie Baby, a 1967 Mustang, and someone's used graphics card without lea...
Jokuda Insights · Home Loans · Refinancing By Joe Woo, CFA · Founder, Jokuda Pty Ltd · 14 April 2026 · 18 min read Over 640,000 Australians refinanced in 2025. Most chased a lower rate. Many overlook...
