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Plain-English handbooks by JP O'Connor

Rates went up. Here's what to do about it.

Mortgage and debt handbooks for Australia, the UK, the US and Canada. Each one is written for its own country's rules and comes with 10 free online calculators.

Cover of Rate Rise. The Australian Mortgage Handbook by JP O'Connor

Australia · on Amazon.com.au

Rate Rise.

The Australian Mortgage Handbook

Your repayment just went up. Here's where the money can come from.

  • What one 0.25% rise costs on your loan, by the month and the week
  • How to check your offset account is actually linked to your loan
  • How to ask your lender for a lower rate, and when refinancing really pays
  • Your right to a hardship arrangement, and the 21 days your lender has to answer
Buy the paperback edition →Buy the Kindle edition →Try the 10 free calculators →
Cover of When Your Fix Ends. The UK Mortgage Handbook by JP O'Connor

United Kingdom · on Amazon.co.uk

When Your Fix Ends.

The UK Mortgage Handbook

Your fixed deal is ending. Doing nothing is the expensive option.

  • The product transfer that needs no affordability check at all
  • When an early repayment charge is worth paying, and when it never pays back
  • What the Standard Variable Rate costs against a new fix, on your own balance
  • A 90-day plan, template letters to your lender and a one-page checklist
Buy the paperback edition →Buy the Kindle edition →Try the 10 free calculators →
Cover of When Rates Go Up. The American Debt Handbook by JP O'Connor

United States · on Amazon.com

When Rates Go Up.

The American Debt Handbook

Your fixed mortgage didn't change. Your credit cards, HELOC and ARM did.

  • Why paying the minimum on a $7,500 card can take nearly 20 years
  • Avalanche or snowball: see exactly what the easier path costs
  • The HELOC payment shock when the draw period ends, and how to shrink it now
  • What to say when you call your card issuer to ask for a lower APR
Buy the paperback edition →Buy the hardcover edition →Try the 10 free calculators →
Cover of Renewal Shock. The Canadian Mortgage Handbook by JP O'Connor

Canada · on Amazon.ca

Renewal Shock.

The Canadian Mortgage Handbook

The rule that kept you with your lender changed in 2024. Nobody told you.

  • Uninsured straight switches no longer face the stress test (since November 21, 2024)
  • Why the posted rate you never paid drives your prepayment penalty
  • Your trigger rate: how to find it and what happens when you reach it
  • Prepayment room that's gone on the reset date if you don't use it
Buy the paperback edition →Buy the Kindle edition →Try the 10 free calculators →

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Why a book for each country?

A rate rise hits an Australian variable loan within a month, a UK borrower when the fix ends, a Canadian at renewal, and an American through credit cards and HELOCs. Same pressure, different rules, so each book is written for one country.