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When it comes to mortgages, few decisions feel as defining as choosing between a fixed vs variable mortgage.

Every decision to delay has a price. In property, that price is rarely obvious at first, but for a first-home buyer in Sydney, the cost of waiting to buy can quietly snowball into more than $100k added to your mortgage.

For many Australians, a mortgage feels like something you simply endure, a debt you chip away at for decades. But what if that same debt could be reshaped into a tool for growth? What if the weight holding you down could also be the engine that builds your future wealth?