904 mortgage update (equity, fixed vs. variable, parental guarantees, self employed + more)

money money money · Jan 26, 2026 · 1h

January is prime time for a mortgage reset so for this episode Glen is joined by Rachelle Kroon from Sphere Home Loans for a lending update and a chat about:

👉🏼 why January is a good time to review your mortgage

👉🏽 equity explained and how it can lower your interest rate

👉🏾 fixed vs variable

👉🏿 repricing vs refinancing

👉🏻 how parental guarantees work

👉 the government 5% deposit scheme risks and benefits

👉🏼 increased flexibility in lending for self-employed people

👉🏽 Rach’s top tips if you own a home or are planning to buy in 2026

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