Welcome back, we hope your holiday period was full of love and cheer with friends and family. In 2020, some will purchase their first property, add to their growing portfolio, or refinance their home loan to a cheaper rate and Black & White Finance is here to help every step of the way - here's what to look out for this year.

So, you’ve read dozens of self-help finance books, listened to audiobooks on the train, been to Jordan Belfort’s seminars on smart investing and now you’re ready to take on the world!
At least, you think you are right?
You understand this isn’t anything like the monopoly board game you got for Christmas all those years ago.

Your friends tell you stories, whispers in the wind on what they THINK you should do with your money, everyone always has an opinion on how they think you should lead YOUR life, but truth be told they’ve left out some major points and probably haven’t given you the big picture.

While they all have their merits and offer some amazing takeaways, today we want to share our own nuggets of wisdom. We’re joining days 11 & 12 and about to run through the insider scoop on managing your cash flow and why living expenses are so important to lenders in today’s 12 days of Black & White Finance.

When you think of Christmas, do you think about a snowy winter wonderland or a sunny Aussie day having a barbie with the family after opening all your presents? Two stark contrasts when you consider the different experiences we have around the world.You won’t have to circle the globe like Santa on Christmas Eve to find out the differences between interest only and P&I repayments on your home loans.Today on day 10 of our 12 days of Black and White Finance, we’ll be going through the pros and cons of each and letting you know how you can minimise your debt sooner.

Ladies and gentlemen, welcome to tonight’s holiday season finance bout to remember!
In the blue corner, we have the undisputed essential hero to everyone with a loan – REDRAW!
In the red corner, we have the unsung underdog taking the financial world by storm – OFFSET!
Who will come out on top? How do the two stack up against each other? Who’s name will the crowd be chanting by the end of the night?
Find out all this and more on redraw vs offset in tonight’s day 9 of our 12 days of Black and White Finaaaaaaaance!

Exclusivity – In our modern world we crave it, whether it be getting let into the VIP room at a nightclub to getting an online coupon for your birthday and everything in between.
Even Christmas is the same, everyone wants to be on that exclusive nice list, right?
Today on day 8 of our 12-day coverage we’ll be talking about industry specialisation and what it could potentially mean for your future finances.

So you’ve got a competitive streak in you, you live for nothing but the very best and love a good bargain when you can get your hands on one.
Out of all the Christmas lights on the street, the ones you put up shine the brightest – while it may run up your electricity bill, they’re good things you put up with.
But being outbid at auctions and getting your time wasted? Those are things you shouldn’t have to put up with.
Here’s day 7 of our 12 Days of Black & White Finance – tips for going to auction!

So, you want to purchase property but your deposit is lower than the average number of laughs at the comedy club on amateur night, what do you do?
Today on our 6th Day of our 12 days of coverage we’ll be talking about low deposits.

Day 5 of our 12 Days of Black and White Finance begins now!
Put on a mug of hot cocoa and kick up your feet as we explain all the ins and outs of Lenders Mortgage Insurance (LMI)!

Are rising property prices getting you down?
Do you have limited savings?
Feeling like the property market is unreachable, unlike the years when your parents bought?
Well here’s one word that can help you: Guarantors.
Welcome to day 4 of our 12 days of Black & White Finance, let’s get into it!

It’s a new day, it’s a new dawn, it’s a new liiiiiiife... for those looking to get a construction loan!
What is a construction loan exactly and why do so many people opt for them? We’ll be going over this today as day 3 of our 12 days of Black and White Finance continues.

Hope you’re all getting into the festive spirit and looking to end 2019 with a bang! In keeping with our ‘12 Days of Black & White Finance’ theme, today we will be looking at the differences between fixed vs variable rates.

For the month of December, over the next 12 days, we will be releasing cool new information on all things finance related with what we are calling “The 12 Days of Black & White Finance”. Let’s kick things off with the first home owners grant (FHOG for short) for all you aspiring property hunters. After all, tis’ the season!

In today's update, we look at rate cuts and the lenders who passed these cuts on, property prices, APRA's changes and many awesome offers including our B&WFREEBIE with the winner being announced this Sunday - enjoy!

In today's update, we look at rate cuts, election promises, and the economy through the lens of a property and finance perspective and of course, in Black & White.

The budget was handed down last night in Canberra and here is our summary of it, through the lens of a property and finance perspective and of course, in Black & White.

We’re delighted to bring you our next video in our collaboration series with one of the sharpest minds in the property industry. Josh Masters from Buyside helps us learn what his company does as a Buyers Agent to help people build long term wealth with property. We get to understand how they use data along with artificial intelligence, to make well informed property decisions for you, that have been tested.

Here's our snack-sized property market report for this month's Black & White Finance update. We summarise the key influences playing on the market today and uncover the opportunities that exist for you - real insights with no grey areas.

Want to know what opportunities exist today in the property market? What's actually going on - real insights with no grey areas?

In collaboration with Josh Masters from Buyside, here's a quick intro to our snack-sized series of property videos we're releasing as part of this month's Black & White Finance update.