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Mortgage broking articles & tips

Feeling a bit overwhelmed in trying to find the right loan for your property? There are many different things to think about when getting a home loan, and some you might not have even considered. Check out our videos and articles to learn what to look out for when finding a mortgage broker to make this process as easy and streamlined as possible.

RBA Rates Decision – June 2012

The RBA reduced interest rates by a further 0.25% at its board meeting today, which surprised some analysts following last month’s 0.5% cut.  This move further highlights the RBA’s belief that Australia is not immune to the world financial and economic events going on around us, even though we are still very much reliant on the Chinese and oth...

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Rental Yields Vs. Term Deposits

With the further cut in the cash rate announced this month by the RBA, the banks will shortly start to announce their new savings deposit rates, which are coming down with each cut. Some commentators are talking about the cash rate getting as low as 2.5% which means it’s cheaper for the banks to access money from the RBA than via customers’ ...

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Chasing the Deal of the Day – Good Luck with That

Over the many years that I have been dealing in mortgage finance I have learnt a lot about this game, especially given the fact that at any point in time I’ve had access to over 600 different loan products at my disposal; from different credit policies, to loan structuring to maximising borrowing capacity etc. But the most important lesson in my ...

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RBA Rates Decision – May 2012

The RBA has just announced a larger than consensus reduction in the cash rate – 50 basis points.  This is a very rare event for a traditionally conservative board.  So much so I have decided to add the entire statement from the RBA governor, Glenn Stephens. “At its meeting today, the Board decided to lower the cash rate by 50 basis poi...

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RBA Rates Decision – April 2012

The RBA has held off on a cash rate movement again this month, as they still appear happy with the current economic activity within the economy. Those doing business in the two biggest state economies of Sydney and Melbourne might disagree about the level of growth they are enjoying! But it’s not the RBA’s job to set cash rates for each state; ...

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Loan Flexibility is an Important Consideration

It is fair to say that even the best laid out plans can sometime not eventuate. When it comes to deciding on a mortgage the flexibility of the loan product is something you should pay serious attention to, as best illustrated by the couple of examples below. Investing: One of the best ways to get ahead in your wealth creation endeavours is to us...

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Repayment Changes

With the RBA decreases in interest rates late last year and the recent lender increases it’s hard to know exactly what your repayment should be each month when it comes to your mortgage. Furthermore there are some lenders who when rates are reduced do not adjust your repayment levels so you don’t know where you stand and it’s easy to feel as ...

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RBA Rates Decision – March 2012

The cash rate has been left on hold this month as the RBA believes it has adequately priced the access of money in the economy to ensure the long term growth of the economy. Meanwhile many economists argue the cash rate is too high to stimulate the economic growth, as soft market conditions in the two largest states of NSW and Victoria, have been o...

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RBA Rates Decision – February 2012

The Reserve Bank of Australia (RBA) surprised the broader market this afternoon by leaving the cash rate at 4.25%. One would now expect a bit of media backlash towards the government and RBA for this decision in light of the recent media reports of major job losses in some sectors of the economy. Certainly expect to see the Retailer Association, Ma...

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Loan Structuring

If you are not familiar with the term then this article is for you..... What is the definition of loan structuring:  In very simple terms it’s the way in which the loan product is set up to accommodate the borrower’s best interest, either in short, medium or longer terms depending on the client’s end goal, because we have to remember the ...

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Lenders doing what they do – Lending Money

With all the global economic uncertainty and the flow on effect to the cost of funds for lenders and the risk of possibly a softening Australian economy, one might be thinking the banks will be considering tightening up lending policy. Our read of home loan lending policy is a little bit more macro, driven by the banks’ need to continue to str...

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RBA Rates Decision – December 2011

Although there were plenty tipping this rate cut including the money markets, the RBA’s move to cut rates by a further 25 basis points came as a surprise to me given the minutes of the November meeting suggested it was a close call that we got a rate cut on Melbourne Cup Day. The messages from the RBA following the November cut, was that its Nove...

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