Award Winning Mortgage Professionals
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Buying your first home can be daunting and scary and overwhelming, but it doesn’t have to be. We’ll help guide you through the process to ensure you don’t make a costly mistake.
With the right support, buying your first home can actually be fun! (Except for the packing boxes bit).
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You can only reduce holding costs, maximise returns and grow your portfolio with the right loan structure. We’ll share strategies we’ve developed over the years to help even the most successful property investors get more from their portfolio.
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If your loan was established a few years ago, chances are your lender is now offering better rates to new borrowers and not extending those same offers to you. It’s not fair, but it happens.
Not reviewing your home loans is a guaranteed way to pay more than you need to. Sit back and relax. We’ll go over things with a fine-tooth comb and find ways for you to save money.
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Upgrading your home is stressful. Selling, buying, arranging finance, timing it so you’re not left homeless, packing boxes and still getting the kids to soccer on time is overwhelming.
Minimise the pressure and financial risk by upgrading your home the right way. We can help make things easier.
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RBA Interest Rate Decision – 6 August 2019
At its meeting today, the Board decided to leave the cash rate unchanged at 1.00 per cent. After two months of consecutive rate cuts, the RBA Board has left the cash rate unchanged, as it waits to see the economic impact of previous rate cuts. Here are some of Philip Lowe’s commentary surrounding the decision: [ Read More ]
The Downside to Interest Rate Cuts. Have you fallen for this trap too?
Falling interest rates mean it’s likely you’re now paying less interest and your monthly home loan repayments have dropped. This is good news for home buyers and home owners, right? Absolutely! So how can there be a downside to lower rates if it means you’re saving money? We’re not going to talk about the [ Read More ]
July 2019: Housing Affordability at an all time high
What is ‘Housing Affordability’? Housing affordability refers to the relationship between expenditure on housing and household income. And according to the Housing Industry Association (HIA) Affordability Index, right now housing affordability is the best it’s been in 20 years. The HIA Affordability Index takes into account the latest dwelling prices, mortgage interest rates and wage [ Read More ]
How have the lenders responded to the RBA July 19 cash rate cut?
Just when you thought you knew what interest rate you were paying on your loan, the goal posts have moved again! It’s good news though, with another round of rate cuts announced by the lenders. This is what we know so far… CBA rate changes (effective 16 July): – Rates on variable loans (OO and [ Read More ]
RBA Interest Rate Decision – July 2019
The RBA has cut the official cash rate by 25 basis points to a new record low of 1%. So, why has the RBA cut the cash rate again, after cutting the cash rate to the previously historic low of 1.25% on June 4? RBA Governer Phillip Lowe says this second rate [ Read More ]