mortgages

1. 18 February 2022

   Paid off the mortgage? Don’t cancel your income protection insurance just yet

   Lots of people reassess their insurance after repaying the mortgage and cancel their income protection. I often think that's a mistake. Mortgage-free years are usually when you build the wealth that f…

2. 14 September 2018

   Should you repay your mortgage or invest?

   Paying off the mortgage ASAP is usually the smartest move — a guaranteed, tax-free, risk-free return. But I often recommend clients also put some excess income into investments: it builds liquid asset…

3. 10 February 2017

   A 30 year mortgage is too long

   Note: my views on this have evolved — I'm more comfortable with debt now and less inclined to treat a mortgage as an obstacle to investing. The original argument was that a 30-year term leaves too lit…

4. 14 July 2016

   Mortgages are red herrings when it comes to level of life insurance cover

   Life insurance advice is almost cliche: if the client dies, they want the mortgage paid off. That's often the start and end of the conversation. But the mortgage is a red herring. The real question is…