Nicole Pedersen-McKinnon | The Sydney Morning Herald
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Financial educator, commentator and author.

‘Borrower beware’ of new responsible lending laws
Opinion

‘Borrower beware’ of new responsible lending laws

The repeal of responsible lending obligations for almost all forms of consumer credit is short-sighted and poorly thought out.

  • by Nicole Pedersen-McKinnon

Latest

Ten super funds that have weathered the COVID-19 storm
Opinion

Ten super funds that have weathered the COVID-19 storm

Most super fund members have recouped losses to their retirement savings since the COVID-19 mayhem began.

  • by Nicole Pedersen-McKinnon
Two lenders offering top split variable and fixed-interest rates
Opinion

Two lenders offering top split variable and fixed-interest rates

The most important thing is to remember not to let your loan roll over at the end of the fixed term.

  • by Nicole Pedersen-McKinnon
The two real problems with the new ‘pay-on-demand’ revolution
Opinion

The two real problems with the new ‘pay-on-demand’ revolution

"Pay-on-demand" services lubricate salary slippage and can create massive future budgeting problems.

  • by Nicole Pedersen-McKinnon
Switching to fortnightly mortgage repayments can save you $48,000
Opinion

Switching to fortnightly mortgage repayments can save you $48,000

The strategy requires you to find more money but is a way of psychologically tricking yourself into making overpayments.

  • by Nicole Pedersen-McKinnon
How much super do you really need to retire?
Opinion

How much super do you really need to retire?

Both genders typically fall short of the target for a "comfortable" retirement. You need to top up your super above compulsory contributions to go the distance.

  • by Nicole Pedersen-McKinnon
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Fight for Jeststar cash refunds continues unabated
Opinion

Fight for Jeststar cash refunds continues unabated

The only way to get a cash reimbursement is to fight, fight, fight – and hold and hold on the phone – and refuse every offer of a credit voucher.

  • by Nicole Pedersen-McKinnon
The handouts to help you through the COVID-19 crisis
Opinion

The handouts to help you through the COVID-19 crisis

There was little in the federal budget for those with low or no income but help is still at hand to meet your bills.

  • by Nicole Pedersen-McKinnon
What the budget means for 10,000 more potential first-time buyers
Opinion

What the budget means for 10,000 more potential first-time buyers

The highly popular First Home Loan Deposit Scheme allows new home buyers to put down just a 5 per cent deposit and avoid expensive lenders’ mortgage insurance.

  • by Nicole Pedersen-McKinnon
How to save $85,000 on your mortgage – for free
Opinion

How to save $85,000 on your mortgage – for free

Money held in a mortgage offset account is netted straight off your outstanding loan balance.

  • by Nicole Pedersen-McKinnon
The five smart reasons to refinance your mortgage
Opinion

The five smart reasons to refinance your mortgage

Lenders are vying aggressively for your mortgage business, with cheaper rates and all sorts of other incentives, including cashbacks.

  • by Nicole Pedersen-McKinnon