Variable loan
Friday, November 26th, 2010
With yet another official rate announcement expected in just over a week to cap off the year, there are some sectors of the market with an obvious case of the rate wobbles.
This condition is characterised by the following symptoms: (more…)
Posted in Buying to Invest, First Time Buyers, Interest Rates, Moving House, Refinancing, Uncategorized | November 26th, 2010 No Comments » Tags: First Home Buyers, Fixed Rate, Home Loan, home loan rate, Home Loans, Interest Rates, Mortgage, mortgage rate, Property Market, rate rise, RBA, standard variable rate, Variable loan, variable rate
Tuesday, November 2nd, 2010
It’s one of life’s ironies that a Reserve Bank announcement on interest rates will be handed down on the same day when more Australians than ever are having a flutter on our nation’s most loved horse race.
Because in reality, there’s no banking on the outcome of today’s official interest rate announcement and what it will mean for borrowers. Some odds are in favour of official rates staying as they are – but others are stacked in favour of the banks to raise their rates regardless. Either way – it’s a gamble to try and predict the result. (more…)
Posted in Home Loan Tips, Interest Rates | November 2nd, 2010 No Comments » Tags: Budget, Calculators, home loan rate, Home Loans, Interest Rates, rate rise, standard variable rate, Variable loan, variable rate
Friday, October 29th, 2010
In the current climate of rising rates – it’s all about interest.
And I’m not just talking about the interest on your loan, but working out ways to make your mortgage work in the best interests of your financial wellbeing. (more…)
Posted in Buying to Invest, First Time Buyers, Home Loan Tips, Interest Rates | October 29th, 2010 No Comments » Tags: Budget, Home Loan, home loan rate, Home Loans, Interest Rates, loan repayment, loan repayment calculator, rate rise, Saving, standard variable rate, Variable loan, variable rate
Tuesday, October 19th, 2010
If you’re a first home buyer or looking to refinance, as with choosing the perfect partner, choosing the best rate for you is really about finding your ideal type.
So what type of loan structure is right for you – right now? (more…)
Posted in Buying to Invest, First Time Buyers, Home Loan Tips, Interest Rates, Refinancing | October 19th, 2010 No Comments » Tags: Calculators, capped interest rate, Comparison rate, First Home Buyers, First Home Savers Account, Fixed Rate, Home Loan, home loan interest rate, home loan rate, Home Loans, honeymoon interest rate, honeymoon rate, Interest Rates, introductory interest rate, Invest, Mortgage, mortgage rate, rate rise, standard variable rate, tracking interest rate, Variable loan, variable rate
Tuesday, October 12th, 2010
In the midst of planned or unplanned changes to your personal circumstances there is still the issue of finances and often your mortgage to consider. But with some careful thought, there are strategies you can apply to ensure you keep in control of your financial situation, so it doesn’t end up controlling you. (more…)
Posted in Home Loan Tips | October 12th, 2010 1 Comment » Tags: Budget, Home Loan, Home Loans, Move House, Rent, Saving, Spending, Variable loan
Tuesday, October 5th, 2010
You’re about to borrow a significant sum of money for a property – probably the most you’ll ever borrow from anyone.
So stop now and ask yourself, have you taken the time to do some homework and find out more about who’s actually going to lend you that money? Because if you haven’t yet considered this, there’s no better time than now to find out why its so important. (more…)
Posted in Buying to Invest, First Time Buyers, Home Loan Tips, Refinancing | October 5th, 2010 No Comments » Tags: affordability, Budget, First Home Buyers, First Home Savers Account, Home Loan, Home Loans, Invest, Lender, Mortgage, non-bank lenders, Property, Refinance, Upgrade, Variable loan, variable rate
Thursday, September 30th, 2010
Julia, Julie, Kristina, Anna, Quentin – and no doubt there’s more to come.
In case you haven’t noticed – there’s a pattern emerging in the world of business and politics where women are slowly, but surely, starting to take centre stage.
And that pattern has also transcended into the world of finance in terms of women empowering themselves in the ways of the property market. (more…)
Posted in Buying to Invest, First Time Buyers, Home Loan Tips | September 30th, 2010 No Comments » Tags: Budget, Debt, Equity, First Home Buyers, Home Loan, Home Loans, Interest Rates, Mortgage, non-bank lenders, Property, Property Market, Variable loan, variable rate
Tuesday, May 18th, 2010
Concerns from first home buyers about the First Home Saver Account scheme have been answered in the recent release of 2010 budget. Treasurer Wayne Swan has announced an introduction of greater flexibility in the scheme which has been the primary reason for first home buyers not investing their time and money into the account. (more…)
Posted in First Time Buyers | May 18th, 2010 No Comments » Tags: affordability, Budget, First Home Buyers, First Home Savers Account, Home Loan, Home Loans, Mortgage, Property, Variable loan, variable rate
Friday, May 14th, 2010
In comparison to income growth, the escalation of household debt over the past 30 years has reached substantial levels. According to the ABS, the last 18 years have seen the total amount of debt owned by Australian households to rise by almost six-fold.
These figures are not aided by the high interest repayments of credit cards of between 15-10 percent and personal loans having an average rate of 10 percent. The burden of struggling to meet interest rate repayments can become overwhelming so the concept of consolidating these debts into your mortgage, where rates are around 7 percent, turns into a favourable option. (more…)
Posted in Buying to Invest, First Time Buyers, Home Loan Tips, Interest Rates, Refinancing | May 14th, 2010 1 Comment » Tags: Credit Cards, Debt Consolidation, Home Loan, Home Loans, Interest Rates, rate rise, Variable loan, variable rate
Tuesday, May 4th, 2010
The rising rate environment is leaving some heavily mortgaged borrowers – particularly those with more than an average $300,000 loan – scrambling to find ways to fund the significant increases in monthly repayments that have occurred since October last year.
With the announcement of a sixth rate rise by the Reserve Bank, these borrowers will be forced to look outside the square for ways to fund the increase in their mortgage repayments and will have to assess all aspects of their lifestyle and spending habits. (more…)
Posted in Buying to Invest, First Time Buyers, Interest Rates, Refinancing | May 4th, 2010 4 Comments » Tags: affordability, Comparison rate, Equity, First Home Buyers, Home Loan, Home Loans, rate rise, Refinance, Variable loan, variable rate
