Enrizen Financial Group

24/08/2026

Could resetting your mortgage to 30 years save you money? 🏠⌛

It could reduce your monthly repayments, but the trade-off may be significantly more interest over the life of the loan. You could also build equity more slowly or risk still having a mortgage when you retire.

Our latest insight looks at the hidden costs of extending your mortgage, plus some alternatives worth considering.

The federal government has tried (via 2009 legislation and later instructions to banks from APRA, the Australian Prudential Regulation Authority) to ensure that mortgage borrowers will be able to service their loan and cope with

11/08/2026

🏡 Your income hasn’t changed, but could your borrowing capacity have?
Your salary is only one part of the picture.

Interest rates, existing debts, household expenses and lending policies can all influence how much you may be able to borrow. Understanding what lenders consider can help you get a clearer picture of where you stand.

It’s been a while since you last had a salary increase, so the amount you could borrow as a home loan is the same as last time you checked, right? Wrong. Your salary is only

28/07/2026

Economic updates aren't just about what happened yesterday. They're about understanding the trends that continue to shape markets today.
Reviewing the key developments from the April to June quarter is a useful way to stay informed and prepared. 📰

14/07/2026

Have you checked your subscriptions lately? 🧐
Forgotten memberships, duplicate services and automatic renewals can quietly eat away at your budget. A simple subscription audit could help you identify expenses you no longer need. 📋

30/06/2026

Have you ever looked at your income and wondered why it doesn't seem to stretch as far as it once did? 💲🤔
You're not alone. Learn what's driving the "middle-class squeeze" and how reviewing your spending habits can help put you back in control in our latest blog.

16/06/2026

How many bank accounts do you really need? 💰
The answer may be more than you think, but probably fewer than you have.
Discover a practical approach to organising your finances in our latest blog article.

02/06/2026

Ever feel like your money disappears before you know where it went? 🤔
A strong budget isn't about restriction. It's about directing your money towards what matters most and making every dollar work harder for you.
Small changes in how you manage money can make a big difference over time. 🌱

The core purpose of budgeting is to control cash flow: cash in, cash out, and what’s left over. Kudos to you if you’ve created a budget where your annual expenditure is less than your annual

19/05/2026

Still paying the same rates you signed up with years ago? 💸
You could be paying a “loyalty tax” without even realising it. From phone plans to insurance and streaming subscriptions, reviewing your expenses regularly may help uncover savings you didn’t know were there.


Our latest article explores the hidden cost of “loyalty tax”.

Sandy joined her local gym a decade ago. She was proud of her long-member status and was content to pay the monthly $200 fee. Imagine her surprise, when a friend was offered a sign-on deal

05/05/2026

Got a pay rise recently? You might also be paying more tax than expected.
“Bracket creep” can quietly reduce the real benefit of a salary increase, especially during periods of rising wages and inflation.
Here are some strategies that may help you keep more of what you earn. 📝

You earn more money; you pay more tax. So far, so fair. But what’s not so fair happens when your wage rise bumps your earnings into a higher tax bracket, even though your pay

07/04/2026

Interest rates may be higher for longer… but does that mean you should wait? 🤔🚦
Our latest blog explores why timing the market isn’t always the safest strategy, and what you can do instead.