Mate, if you wanna make $25, go mow your nana’s lawns, at least she’ll give you a glass of milk and an peanut brownie!
You’ll probably need about a year’s worth of flybuys points just to buy the brownie!
They are a cynical marketing ploy adopted by businesses who prefer to bribe loyalty from their customers with the occasional lollipop, than by…[Read more]

First question, who did the valuation? Did you pay a valuer? Did your new lender do it or did your existing lender do it?
Internal valuations by banks are notoriously conservative. I refinanced a house and had it valued by a valuer on the panel of many lenders $285,000. Westpac valed it at $165,000.
If you want to refinance with a different bank,…[Read more]