News

Bank wanted mortgage broking fees transferred to customers
News

Bank wanted mortgage broking fees transferred to customers

A big four bank almost overhauled its broker remuneration model so that the cost of mortgage broking services would be transferred to the customer, the royal commission heard. Here's how to prevent that from happening.
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Buy now, pay later schemes putting young shoppers at debt risk
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Buy now, pay later schemes putting young shoppers at debt risk

One in six customers who use payment methods such as Afterpay and Zip Pay run into financial strife – and ASIC is putting the 'buy now, pay later' industry under the spotlight.
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Stress tested your home loan recently? Don’t stress
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Stress tested your home loan recently? Don’t stress

Seven in 10 Australian mortgage holders have not stress tested their home loan. But don't stress, it's much easier to do than you think.
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Royal Commission – what might its impact be
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Royal Commission – what might its impact be

The Royal Commission is currently undergoing its final round of hearings with CEOs and Chairmen of the major banks and...
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6 Christmas tips to help you save this silly season
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6 Christmas tips to help you save this silly season

Most of us roll our eyes when we start seeing shopping centres spruik Christmas merchandise in November. While it's important not to get caught up in the festivities too early, now's actually a great time to start prepping to ensure a budget blow-out doesn't derail your mortgage repayments over the silly season.
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Under the microscope: your micro-transactions
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Under the microscope: your micro-transactions

When it comes to paying off your mortgage, many of us are in the dark as to where we should be making significant savings. A good place to start? Cutting down on ‘micro-transactions’.
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Guidance needed for borrowers, industry body says
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Guidance needed for borrowers, industry body says

Property owners and prospective first home buyers are increasingly in need of clear guidance on home lending as the housing markets in Melbourne and Sydney begin to cool, says the Housing Industry Association.
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On the up and up. Keen to jump into a property hotspot?
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On the up and up. Keen to jump into a property hotspot?

With housing values falling across half of Australia's capital cities over the past year it can be all too easy to forget many regions are doing well. Here's where property prices have recently experienced healthy growth.
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Choosing the right investment ownership model
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Choosing the right investment ownership model

We all know that choosing the perfect investment and getting the timing right are both critical. What people often overlook, however, is selecting the right investment ownership model.
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Why is the bank saying I can’t service a loan?
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Why is the bank saying I can’t service a loan?

A question we often get goes something along the lines of: 'I make my repayments on time, and I save $1,000 per month, why is the bank saying I can’t service a loan?' Here's how banks conduct loan serviceability.
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Don’t get outfoxed: a quick guide to property valuations
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Don’t get outfoxed: a quick guide to property valuations

Information is power. Knowing how much a property is worth can help you secure a great price during negotiations.
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More carrot, less stick: Comprehensive Credit Reporting
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More carrot, less stick: Comprehensive Credit Reporting

Many people only pay their bills on time to avoid being slugged with late fees and a bad credit rating. But a big change this month means that you can now be rewarded for timely repayments.
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Home loans: to lock in the rate or not?
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Home loans: to lock in the rate or not?

With some of the major lenders recently lifting interest rates on variable home loans, we've had a number of enquiries this week as to whether now is a good time to lock in an interest rate.
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Avoiding the interest rate hike domino effect
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Avoiding the interest rate hike domino effect

When one bank hikes its interest rates, the rest usually follow one after the other like dominos. Here's how to avoid getting caught up in the chain reaction.
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Which capital cities have performed best over the past 20 years?
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Which capital cities have performed best over the past 20 years?

Sydney? Melbourne? Perth? Find out which of Australia's capital cities have performed best in the property market over the past two decades.
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RBA July 2017
BLOGS First Home Buyer News

RBA July 2017

The RBA has opted to leave the official cash rate on hold at 1.5%. With the kick off of the...
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News

Interest Rates on the Increase

Interest rates are on the rise Especially for investment property loans. As the major banks embark on another round of...
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Housing Affordability
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Housing Affordability

Housing affordability improves in March quarter Housing affordability improved in the March 2016 quarter according to the latest REIA/Adelaide Bank...
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Choosing the right loan
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Choosing the right loan

Choosing the Home or Investment Loan that’s right for you David Harris, Portfolio Capital Pty Ltd 26th November 2015 In...
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Negative Gearing
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Negative Gearing

The case in favour of Negative Gearing Since before the July 2 election we've seen arguments for and against Negative...
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