Countdown to settlement day: what you need to know

You’ve found your dream property, had your offer accepted, and now there’s just one last yet very important milestone to achieve – settlement day. The anticipation has been building for weeks! Are you ready for the big day? Settlement day can be both exciting and stressful. As your mortgage broker, I am here to help […]

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A homeowner’s guide to refinancing

With a home loan it’s easy to just “set and forget”. But it’s sensible to review your home loan every two to three years or so. We’re living in a world of rapid change, where interest rates can go up and down, new lenders emerge and more competitive products become available so keeping the same […]

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To move or improve – which is right for you?

For most of us, it’s easy to form a sentimental attachment to our home. However, there may come a time when we either outgrow the property or would like to make changes. Sometimes these circumstances can make it difficult to decide whether to relocate or renovate. Here are some of the key considerations to ponder […]

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Leap into better finances for 2020

It is important to regularly check your existing home loan to see if it still works for you or if it’s time for a home loan refresh. Do you know if your home loan still fits your property goals for this year? Perhaps it’s time to leap into a better deal! As your mortgage broker, […]

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Why it’s a good idea to get pre-approval

You may have heard it’s important to get a home loan pre-approval. But why do you need it? Pre-approval confirms you’re eligible to apply for a home loan up to a certain amount. Essentially, the lender checks your financial circumstances to decide if you’ll meet their criteria and can afford to repay a mortgage. It […]

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Rates on hold at 1.0% August 2019

The RBA has decided to keep the official cash rate on hold at 1.0%. The cash rate remains at its lowest level in Australian history. The RBA’s recent decisions have prompted plenty of movement in interest rates amongst the big lenders. Some have passed on sizeable reductions in variable rates, while others have been slammed […]

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Mortgage Focus July 2019

Great news for homeowners and property buyers this month. Home loan interest rates have fallen again. If you’re in the market for a home or want to invest in property, now is a good time get pre-approval on a competitive home loan. Interest rate news At its July meeting, the Reserve Bank of Australia (RBA) […]

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RBA rates on hold at 1.5% for February 2019

The Reserve Bank of Australia (RBA) has met for the first time this year and decided to keep the official cash rate on hold. Flat economic data for the last quarter of 2018 will most likely motivate the RBA to leave them unchanged for some time. Meanwhile, several banks have announced out-of-cycle rate changes – […]

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Mortgage Focus – November 2018

November is an exciting month as the Spring Racing Carnival kicks into high-gear and we begin the countdown to Christmas. It’s an exciting time for property buyers too, as auction clearance rates continue to slide, and sellers struggle to get their price in the spring property market. Interest Rate News At its November Melbourne Cup […]

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RBA cash rate on hold for November 2018

As expected, the RBA kept the official cash rate on hold again at its November Melbourne Cup Day meeting. Forecasters are predicting no rate rises until late 2020 and don’t rule out the next move being a rate cut, considering declining home prices. However, despite auction clearance rates falling below 50% in most markets during […]

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July 2018 – rates on hold at 1.5%

As expected, the Reserve Bank of Australia (RBA) decided to leave the official cash rate on hold at 1.5% at their July meeting today. This month, it’s all good news for home owners and those in the market for a new loan! Next month (August) will bring us to a record breaking two year period […]

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Mortgage Focus June 2018

We hope you are embracing the arrival of winter and enjoying the cool change. In recent weeks we’ve seen conditions for property buyers improving, with fewer homes reaching the reserve price at auction and values trending downwards in many markets. During the colder months, there are usually fewer buyers doing the rounds, so there could […]

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