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2016 Mortgage and Lending Outlook

Here are the other parts of the 2016 Outlook: Australian Property Market Outlook: Part 1: Sydney & Regional NSW Part 2: Melbourne & Regional VIC Part 3: Queensland, Australian Capital Territory and South Australia Part 4: Northern Territory, Western Australia and Tasmania   Global Economy and Equity Market Outlook Part 1:...

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When Is the Best Time to Refinance Your Loan?

You’ve bought or invested in a home and are making regular mortgage payments. What happens when you want to adjust your repayment plan? Perhaps a step up in your salary has given you additional resources to pay off your balance in less time. Maybe an outside hardship requires you to refinance in order to improve your cash reserves or your loan mi...

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Is Now the Right Time to be Fixing your Loan?

So is now the right time to be fixing your home loan? One thing that I want to talk about today is to try and explain to you how fixed rates works versus how variable rates works. The first part of this story is, variable rates which is obviously the rates that we see changing when the RBA does their cash rate decision is what we set those variab...

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Finance Talk: Time to Fix?

What an interesting 6 – 12 months we have seen in the lending markets, if you can cast your minds back a lot of the talk about 12 months ago was around how much more rates were going to increase and should we fix our mortgages or keep them variable? Now with the rates on a downward cycle again we are faced with the challenge of choosing to fix or...

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SPECIAL – Fixed Rate Mortgage Report

HOW ARE FIXED RATES FUNDED? Refresher from my comment in our May 2009 newsletter on fixed rates: Funding Fixed Mortgages - Lenders tend to outsource funding on money markets, via other banks/lenders – swap rates, through government bonds or via fixed savings deposits of similar duration which they collect from their own retail deposits, l...

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To Fix or Not To Fix?

With Australia missing out on a ‘technical’ recession, given the positive March quarter of GDP, most mortgage holders are now focusing their attention on interest rates.  Have we reached the bottom of this cash cycle and if so, should we be looking at locking in a low fixed rate, before rates start moving up? The possible answer to this deb...

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