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20/04/2015
Mortgage Broking

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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30/03/2015
Mortgage Broking

What could go Wrong at Unconditional?

A couple of things that could go wrong once a contract proceeds unconditionally is the finance. The Finance may not have been in place so there might be a couple of special conditions that the bank imposes that the clients weren't aware of at the time. Examples could be, they require you to pay out of Visa cards prior to settlement just to bring ...

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03/03/2015
Mortgage Broking

RBA Rate Decision – March 2015

Today the Reserve Bank of Australia decides to keep rates on hold after dropping rates by 25 basis points last month. Now looking at the Board Meeting minutes from last month, it was a bit of a flip of the coin whether they were going to drop rates in February or potentially wait until March. Ultimately, we all know the outcome of that. They d...

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20/10/2014
In the Media

Mortgage Free at 23

Jack Stevens knows just how short life is. He was only a teenager when his father sadly passed away from cancer at the young and unfair age of just 58. It was a tough time in his life and all the more painful by the fact his father had been working hard to build a large property portfolio - one that would have provided him with a comfortable retire...

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12/10/2012
Mortgage Broking

What does AFL, NRL and Mortgages Have in Common?

We love our sports; all the competitiveness and excitement that comes with it.  Have you ever wondered if the same spirit of sportsmanship also applies to scoring a good mortgage? Over the weekend we have seen the two major sporting codes Grand Finals.  These sporting contests are all about making ground on your opposition and putting scoreboa...

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17/02/2012
Mortgage Broking

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 go...

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10/07/2011
Mortgage Broking

Financing for Cash flow

Cash flow is at the heart of any household or business and in almost all cases the lack of cash flows is their downfall, because they technically become insolvent. There are several ways in which structuring your financials/debt can help from a cashflow position for households. Here are a couple of examples that will assist in building your know...

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08/05/2010
Mortgage Broking

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, lockin...

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