Guides
Short, practical explainers built around real-world questions. Updated 2025-12-08.
Start here
If you’re new to rates and repayments, these 3 guides are the best entry point:
- Repo vs prime: what changes your loan rate?
- Bond repayments: how monthly payments are calculated
- Inflation (CPI): why “today’s money” shrinks
Quick checklists
Use these as pre-decision checklists (education only):
- Before taking a loan: confirm all fees, fixed vs variable rate, and affordability buffer.
- Before pricing services: check whether your prices are VAT-inclusive or exclusive.
- Before buying online: consider FX fees, delivery, and customs where relevant.
Recommended tools for common scenarios
Planning a home loan
Use the bond calculator for a baseline monthly repayment and interest estimate.
Setting prices
Convert between VAT-inclusive and VAT-exclusive pricing to avoid surprises.
Long-term budgeting
See how inflation changes “future cost” so you can plan contributions.
Disclaimer: Guides are for educational purposes only. We do not guarantee accuracy, completeness, or suitability for any purpose.