Dev Raga Personal Finance

416 fixed vs variable, redraw vs offset, commercial loans, preparing to meet a broker + more (Q&A with a mortgage broker)


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In todayโ€™s episode Dev interviews Rachelle Kroon, a mortgage broker, touching on:


๐Ÿ‘‰๐Ÿพ qualifications of a mortgage broker

๐Ÿ‘‰๐Ÿฟ how to prepare for a meeting

๐Ÿ‘‰๐Ÿป how brokers get paid

๐Ÿ‘‰ what are the focus of interest rates

๐Ÿ‘‰๐Ÿผ specific loan features

๐Ÿ‘‰๐Ÿฝ health care workers / high-income earners

๐Ÿ‘‰๐Ÿพ difference from commercial loans

๐Ÿ‘‰๐Ÿฟ fixed variable rates

๐Ÿ‘‰๐Ÿป penalties for breaking the rules

๐Ÿ‘‰ redraw and offsets


Rachelle Kroon

https://www.spherehomeloans.com.au/




Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

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Dev Raga Personal FinanceBy Dev Raga


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