Personal Risk Management Buying a property is a major and often life changing transaction. Whether you are purchasing as an investment or for a family home, it often involves large sums of money and a mortgage. So what happens if you have an accident, lose your job or even pass away?...

Should you fix your mortgage? At present we are experiencing the lowest cash rate in 49 years, with the offi cial rate sitting at 3% as of July 2009. In a pre-emptive strike to lessen the effects of the global recession, the Reserve Bank has cut the cash rate by 425 basis points since Septem...