A short Q&A guide to the questions worth asking a mortgage broker before settling — the loan's true cost, features, rate-rise stress-testing, and the one protection question a broker isn't licensed to answer.

A short insurance checklist for the weeks after property settlement — what cover was bundled into the loan, whether default super is enough for the new mortgage, and how to own and pay for cover.

An income protection policy can fall out of step with a policyholder's circumstances long before anything looks wrong with it. Here are five signs it may be out of date — plus the loyalty tax that often makes a review worth it — and why 'out of date' rarely means 'cancel'.