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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.

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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The Cost of Interest

What is the largest single amount of money you expect to part with in your life?  For most families, a family home will probably be the largest single purchase they will make in their lives.  But while the actual purchase price you pay for a house may be the biggest amount of money you spend in a single lump sum, there is likely to be another cos...

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RBA Rates Decision – November 2011

Finally the planets have aligned and we have our long awaited cash rate cut of 0.25% bringing the cash rate down to 4.50%. I would think all the banks/lenders will be sensible in passing on this full amount without incident, CBA and Westpac have already done that and now I’d expect the others to follow. However history tells me they will set a da...

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Brokers Top of Class

The latest Core Data ACQUIRE index market research findings has brokers top of the class.  Core Data conducted a mystery shop exercise, surveying home lenders and ranked brokers ahead of banks and credit unions on a range of seven different criteria. On the most important criteria of ‘Understanding – or the ability to understand customers n...

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RBA Rates Decision – October 2011

Anyone tired of hearing about the European debt crisis or the US economy yet? Of course we all are, but as the saying goes ‘Money makes the world go around’, so these global events are unfortunately part of Australia and ultimately a part of our personal worlds.  And a clear reminder of this is the equity markets and how they have been so v...

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RBA Rates Decision – September 2011

The RBA have again left interest rates on hold, after much speculation mid last month around the cash rate being reduced to stimulate the wider economy as it’s believed to be slowing over the past few months. In a recent speech, the Deputy Governor, Mr Ric Battellino, gave his indication that recent global economic uncertainty and the subseque...

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