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home loan finance

How to Reduce Your Home Loan

Who is not keen to reduce their home loan? We all have read the ways you can reduce your home loan. Now it is time to actually do it. You might not be able to use all the advise but make sure you do at least one of them. It will save you a lot of money in the long run. Check your current mortgage – you could be paying… Read More »How to Reduce Your Home Loan

Future of Consumer Credit

The Future of Consumer Credit

Comprehensive Credit Reporting Not too long ago we updated you on the Comprehensive Credit Reporting that has come into play. The credit reporting changes will provide a fuller, clearer picture of your credit history.  Check out our blog in case you missed it. What is Comprehensive Credit Reporting (CCR)? The Future of Consumer Credit With the ever changing technology the future of the credit market is looking good for consumers.… Read More »The Future of Consumer Credit

comparison rate

What is a Comparison Rate?

Home Loan Comparison Rate Did you know that lenders are legally required to display a comparison rate when advertising any loan? According to ASIC’s MoneySmart a comparison rate is a rate that helps you work out the true cost of a loan. It reduces to a single percentage figure the interest rate plus most fees and charges relating to a loan. The comparison rate allows you to compare loans from different lenders to find out how much it will cost you. With so many… Read More »What is a Comparison Rate?

Home Loan Refinance Rebates

Banks are competing for your Home Loan Multiple of our big lenders are offering rebates when you refinance your home loan. Now is a good time to benefit from the competition between banks. We can help to see if it is worthwhile for you to refinance. This can depend on interest rate, LMI premium, available rebates and other factors. We will make sure there are no hidden eligibility criteria which makes… Read More »Home Loan Refinance Rebates

credit score

What is Comprehensive Credit Reporting (CCR)?

What is Comprehensive Credit Reporting (CCR)? Comprehensive Credit Reporting is a government policy change that requires banks to provide additional data to the Credit Reporting Bodies – Experian, Illion and Equifax (previously known as Veda). From mid-September, the major banks will commence Comprehensive Credit Reporting (CCR). As a result, customers with consumer credit cards, home, personal or car loans will start having CCR account information sent to the credit reporting… Read More »What is Comprehensive Credit Reporting (CCR)?

Your Mortgage Interest Rate Check Up

Does your mortgage interest rate start with a 3? If not it is definitely time for your mortgage Interest Rate Check up At present the mortgage lending market place is in a state of flux. The major banks are under intense scrutiny from the Banking Royal Commission and are not currently not as competitive as those medium and smaller mortgage lenders that are offering very competitive lower rates. This is… Read More »Your Mortgage Interest Rate Check Up

Change Your Interest Only Mortgage

Are you ready to change your mortgage from Interest Only to Principle and Interest? We can assist you when you decide it is time to change your mortgage from an Interest Only mortgage to a Principle and Interest mortgage. Why would you change from an Interest Only to a Principal and Interest mortgage? Most home loan mortgages are ‘Principal and Interest’ loans, which means your monthly repayments reduce both the principal… Read More »Change Your Interest Only Mortgage

huge profit

Huge property profits or Not?

“The gains look impressive … but are they, really? If there was a “Captain Obvious” award for stating the bleeding self-evident it would be given to anyone who mentioned that Australians are just a little bit property-obsessed. So it’s no wonder that property-related headlines are popular. And if you want to garner some extra interest, throw in some water views and/or a celebrity buyer or seller. We all love to… Read More »Huge property profits or Not?