Annette Tothill Finance

Why more consumers are turning to brokers than ever before. Are you after a new home and feeling bogged down by the finance side of things? It's no secret that navigating the world of home loans can be as tricky as a rubik's cube. This is where a mortgage broker like...

Renovation Finance ​Thinking of giving your home a facelift but worried about the costs involved? Don't sweat it. We're here to walk you through five financing options that could make your renovation dreams come true without breaking the bank. Dive into Your Home's...

​Banking with a Conscience: The Rise of B Corp Banks in Adelaide In a world where every dollar you spend or invest can be a vote for the kind of world you want to live in, the choice of where to bank has never been more significant. Enter the world of B Corp Banks—a...

​The Hidden Gem in Adelaide’s Property Market: Why a Buyer’s Agent Might Be Your Best Move I recently met with Kerryn Browson, a buyer's agent from 28th Street Agency. I thoroughly enjoyed our time discussing all things property and finance, especially learning more...

Valentine's Day and Your Finances: Six Relationship Resolutions to Strengthen Your Bond and Your Bank Account Valentine's Day is often seen as a time for chocolates, roses, and romantic dinners. But what if this year, you and your partner used it as a springboard to...

Understanding Interest Calculations in a Leap Year: What Australians Need to Know In finance, every day counts, especially when it comes to interest calculations. This becomes particularly intriguing during a leap year, which adds an extra day to our calendar. As...

In today's fast-paced world, it's easy to get caught up in the daily grind and lose sight of our financial health. Yet, regular discussions about personal finances are vital for several reasons. Firstly, discussing finances can significantly improve relationship...

Buying your first home is a massive step, isn't it? It's a dream many of us share. But let's be honest, getting that foot on the property ladder in Australia has its challenges. From juggling the numbers to securing a home loan, the whole process can be a bit...

Buying a new home but already have a loan on your current property? You might be interested in substitution of security, also known as loan portability. This feature in some home loans lets you transfer the balance, interest rate, and other terms from your old loan to...

Cashback Offers Ending – What It Means for Homebuyers and Refinancers Mortgage interest rates are going up, and many people are looking for ways to save money on their home loans. One popular way has been cashback deals, where banks give you money (usually between...

The Key to Your First Home: Understanding the NHFIC First Home Guarantee Buying your first home is a significant step, and it can feel like a big challenge. That's why the Australian Government introduced the NHFIC First Home Guarantee. Let's break down what it means...

Fixed to Variable Rate Mortgages The world of mortgages can be confusing, especially when interest rates are changing. Recently, the Reserve Bank of Australia's (RBA) Governor Phillip Lowe spoke about the "fixed-rate cliff." The fixed-rate cliff refers to the...